Have you been injured in a car crash ? The last thing you want to do is gamble with an insurance company on your claim for medical expenses. But rest assured – the insurance company will try to stack the deck in their favor. And just like in Vegas, if you don’t know the rules, the house is going to win.
The game is called the Insurance Medical Examination. It’s also known as an Independent Medical Examination, or IME. It might better be called an Adverse or "Defense Medical Examination" (what we call in the Landau Law Shop a "DME"). It’s anything but “independent.” Anyone who goes to one of these "exams" without taking steps to protect their rights does so at their own risk.
When you are making a claim for medical care and costs, the insurance company can require you to undergo an examination by a doctor of their choosing to verify the extent of your injuries. At ABRAMS LANDAU, Ltd., we constantly remind our clients and their families that this doctor is being paid by the insurer and will testify against us in Court. Your best interests and health are not their top priority. Their goal is to closely examine your condition, and if they can “prove” your claim is not justified, then your claim can be denied. If their hand-picked doctor can blame a preexisting condition or another injury for your need of medical care or disability from work, then the insurance company will refuse to pay for treatment or settle the case for fair compensation. In the next several posts, we will discuss what steps can be taken to protect you and your loved ones from being further harmed by a "DME".