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What an IME actually is
An Independent Medical Examination (IME) is an exam scheduled by your insurance company, conducted by a doctor of their choosing, to review whether your ongoing treatment is still reasonable and necessary. It's a standard part of many no-fault claims — it doesn't automatically mean your claim is in trouble.
In most cases, you're required to attend. Failing to appear can result in suspension of your benefits, so it's worth taking the notice seriously even if it feels unfamiliar or unfair.
What to expect, in order
1
You receive a scheduling letterYour insurer notifies you of the date, time, and location. Confirm you can attend, and reschedule through proper channels if you truly can't.
2
Prepare beforehandBring ID and a general sense of your treatment history. Describe your symptoms honestly — don't minimize or exaggerate either way.
3
The exam itselfUsually brief and focused on your current condition, not a full treatment session. Answer the doctor's questions directly.
4
After the examThe doctor sends a report to your insurer, who may continue, adjust, or stop covering certain treatment based on the findings.
If you disagree with the findings
An IME report that leads to a treatment denial isn't the end of the road. You have the right to appeal and request arbitration, and many denials based on IME findings are successfully challenged.
Good to know
An IME is not a treatment visit. The doctor isn't there to treat you — they're evaluating your claim on behalf of your insurer.
You can request a copy of the report. It's worth reviewing what was documented about your exam.
Missing an exam without rescheduling is the real risk. If something comes up, contact your insurer as early as you can.
Common questions
The insurance company scheduled me for their doctor's exam. Do I have to go?
In most cases, yes. Failing to appear can result in suspension of your benefits. You still have rights during the exam itself.
Is an IME the same as visiting my regular doctor?
No. An IME is requested by your insurer to evaluate your claim, not to provide treatment. Your regular doctor visits continue separately.
What happens if the IME says I don't need more treatment?
Your insurer may stop covering further treatment based on that finding. If you disagree, you can appeal — a denial is not automatically final.