After an Accident
Insurers may request an IME. Learn what to expect and how to protect yourself during the exam.
Not So 'Independent'
An independent medical examination (IME) is a medical exam requested by the insurer, performed by a doctor they choose. Despite the name, these exams often favor the insurer's position.
Why Insurers Request Them
Insurers use IMEs to challenge the severity of your injuries, suggest you've recovered, or argue your condition is pre-existing — all to reduce what they pay.
How to Prepare
Be honest and consistent, describe your symptoms accurately without exaggerating, and remember the examining doctor is not your treating physician. Note what happens during the exam.
Get Guidance
An attorney can advise you before an IME and counter an unfair report afterward. Don't face an IME unprepared.
This article is general information, not legal advice. Every case is different. For guidance on your specific situation, call 973-566-5599 for a free, confidential case review.