An Independent Medical Examination (IME) is a medical evaluation requested by an insurance company where you are examined by a doctor chosen and paid for by the insurer, not by you or your own doctor. The insurance company claims this examination is "independent" and objective, but the reality is that this doctor works for the insurance company and is being paid to give their opinion about your injuries, treatment needs, and ability to work or function normally. You are typically required to attend this examination as part of your insurance claim or lawsuit, even though you may not want to go.
The purpose of an IME from the insurance company's perspective is to get a medical opinion that might contradict your own doctor's findings and potentially reduce the amount they have to pay for your claim. The IME doctor may conclude that your injuries aren't as severe as your treating physician says, that you don't need as much treatment, or that you're capable of returning to work sooner than expected. Because of this inherent conflict of interest, it's important to be honest but cautious during an IME, and many personal injury attorneys advise their clients on how to prepare for these examinations to protect their interests.
