Why Do Insurance Companies Send You to Their Doctors After an Accident?
If you’re an accident victim pursuing a personal injury or workers’ compensation claim, you’ve likely encountered a scenario where the insurance company requests you to visit a doctor of their choosing. Understanding the reasons behind this request and how it impacts your claim is crucial. In this blog post, we’ll explore the rationale behind insurance companies’ practices and offer guidance on navigating this process. If you are involved with a personal injury or workers’ compensation claim and need an independent medical examination from a board-certified neurosurgeon and practicing physician, contact Neurosurgery MedLegal Services, LLC.
The Role of Independent Medical Examinations (IMEs)
After an accident, insurance companies often require claimants to undergo an Independent Medical Examination (IME). The primary purpose of an IME is to obtain an objective assessment of your injuries. However, it’s important to recognize that the doctors performing these examinations are not your treating physicians. They are hired by the insurance company and their primary obligation is to provide an unbiased opinion about your medical condition.
Evaluating the Severity and Extent of Injuries
One of the key reasons insurance companies send claimants to their doctors is to evaluate the severity and extent of the injuries claimed. These doctors assess whether the injuries are as serious as claimed and whether they are indeed a result of the accident in question. This assessment helps insurance companies in determining the validity and value of your claim.
Mitigating Insurance Fraud
Insurance fraud is a significant concern for companies. By having claimants examined by doctors they trust, insurance companies aim to prevent fraudulent claims. These examinations are a tool for verifying the legitimacy of injury claims, ensuring that payouts are made only for genuine, accident-related injuries.
Cost Management
Insurance companies are businesses with a focus on profitability. By controlling the medical examination process, they can manage costs more effectively. If a doctor hired by the insurance company finds that your injuries are less severe than claimed, or unrelated to the accident, the insurance company may use this as a basis to reduce the claim payout.
Navigating the IME Process
As a claimant, it’s vital to understand your rights. While you may be required to attend an IME, you are not obliged to agree with the findings. If the IME report contradicts your treating physician’s opinion, this discrepancy can be addressed in your claim.
Preparation and Conduct During the IME
Preparing for an IME involves understanding what to expect and how to conduct yourself during the examination. Be honest and consistent in describing your symptoms and the impact of your injuries on your daily life. Remember, the IME doctor’s report can significantly influence the outcome of your claim.
Seeking Legal Advice
Navigating the complexities of personal injury and workers’ compensation claims can be challenging. It is often beneficial to seek legal advice from experienced attorneys who understand the nuances of these claims. An attorney can provide guidance on how to handle the IME and advocate on your behalf if there are disputes regarding the examination’s findings.
Contact Neurosurgery MedLegal Services for IME Services Nationwide
The practice of insurance companies sending claimants to their doctors is a standard part of the claim process for a personal injury or workers’ compensation claim. Understanding the reasons behind this practice and knowing how to navigate it can significantly impact the success of your claim. Always consider consulting with a legal professional to ensure your rights are protected and your claim is fairly evaluated.
For expert help with an IME in your workers’ compensation claim or personal injury litigation, call Neurosurgery MedLegal Services, LLC, at 866-659-8051.
