Missouri is an at-fault state for car accidents, which means the negligent driver is responsible for your losses. As part of the claims process, the defendant’s insurance company may request an independent medical exam (IME). It is often used by insurers to challenge the extent of your injuries and limit what they have to pay. The exam usually takes less than 45 minutes, but the findings can significantly impact the outcome of your claim.
Trust the skilled car accident lawyers at Buchanan, Williams & O’Brien, P.C. to help prepare you for an IME. We can also dispute any findings that harm your claim, present evidence from your own medical providers, and negotiate with the insurance company so that you receive the compensation you need to rebuild your life. We have been helping clients with personal injury claims in Missouri for over 40 years.
The Independent Medical Exam Process
Before your IME, take time to review your own medical records. The doctor will ask in-depth questions about your injuries, symptoms, and care, and may specifically ask about:
- How the accident happened
- Your injuries, in detail
- Current symptoms
- Types of treatment
- Effect on your daily and work life
They may also compare your answers to your medical records and accident reports, looking for any inconsistencies that could be used to challenge your claim.
In addition, expect questions about any previous injuries. Insurers often allege that pre-existing conditions were responsible for the severity of an injury. You will be asked when you sought medical care, and if you waited, you will be asked for your reasons.
Expect a Physical Examination
After providing your medical history, expect a physical examination. The doctor will examine the injury site, test your muscle strength, and observe your range of motion. During the exam, they will observe how you move and note any limitations or disabilities.
Their assessment will consider whether your injuries are consistent with a car accident, your overall prognosis, and your current and future treatment needs.
Remain Cautious Before and During the IME
Assume that there are surveillance cameras in the parking lot, waiting room, and elsewhere. Insurance companies watch for those claiming mobility issues during the exam who apparently had no trouble exiting a car and walking into the building. You could also harm your claim by simply attempting to appear less injured than you are.
While you technically have the right to refuse an IME, doing so almost always leads the insurance company to deny your claim. The better approach is to be punctual and truthful, and let your lawyer prepare you for what to expect. With the right guidance, you can get through the process without undermining your case.
What to Avoid
As noted, the IME doctor is hired by the at-fault driver’s insurance company, and often their role is to minimize the extent of your injuries. For that reason, answer only the questions asked and avoid discussing other details of your claim. Above all, remain calm and professional — never argue with the doctor.
Contact a St. Louis Car Accident Lawyer
If you suffered serious injuries in a motor vehicle accident due to another party’s negligence, contact a car accident attorney in St Louis at Buchanan, Williams & O’Brien, P.C. Our team can guide you through the IME process, protect your rights, and pursue compensation for your losses and damages. Schedule a free, no-obligation consultation today.