They are trying to verify the injuries incurred and their ramifications. I would suggest engaging an attorney for a few hours to discuss the case, it's value and to review the proposed documents.
To the PROSPECTIVE client, please call myself or another attorney for your choice with more detaiils and an appointment. My PRELIMINARY answer to your question(s) is for general purposes and based upon what little information you have conveyed. It is based on such limited information that the general answer should never be relied as a reason for your action or inaction. My response does NOT establish an attorney-client relationship and such may only be established by mutual agreement, and the signing of a written retainer agreement, which will generally require payment for our services, as this is what we do for a living and, just like you, we must get paid for our work.. .
I would encourage to seek local counsel. In California these IME really defense medical exams are common. They are ostensibly used to evaluate injuries and damage claims of a claimant, more often than not they are biased. It is my general practice not to allow a client to attend an IME without me or someone else present. Depending upon the seriousness of the case and injuries I have hired medical personnel to attend and observe.
If the claimant is hurt, he or she, I would strongly recommend that they retain counsel before attending any IME.
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You see a doctor your insurance carrier selects who likely will say you are not injured or not very injured thereby minimizing the value of your claim. You know you are hurt but their doctor says differently. Now what? I guess you can just accept their evaluation and if they offer you some money --offer you money that you paid for when you purchased this additional insurance--you simply accept it and move on.
That does not sound very good to me. How about you?
You need to hire your own lawyer to protect your interest. Your lawyer will challenge any negative report from their doctor and in the end you will be in position to get what you paid for and more money than you can get on your own. Look they like to call it an IME--an independent medical examination. There is nothing independent about it. They are picking someone they know and pretty much know what the report will say.
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If the claimant has four top notch doctors, I would not worry about an IME. They are just trying to verify injuries. The claimant needs to hire a personal injury lawyer. Good Luck!
Even though Gerald and John are correct, I tend to take a darker view. Michigan has no bad faith laws to protect against abuse and claims adjusters routinely use the same doctors over and over again as a way of cutting off no fault insurance benefits. Here is a blog I wrote that has more information on how IMEs are used: http://www.michiganautolaw.com/auto-lawyers-blog/2011/03/26/why-insurance-company-ime-exams-are-no-laughing-matter/
This is something to be worried about. Most IME are done to claim that the claimant is cured or its in their head. I would be very cautious. They do not need an IME to "verify" injuries if there is already 4 top notch doctors that they can rely on. Usually the IME is their "@#$@" to discredit the claimant.
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