PIP carriers have the right to request that their insured see one of their doctors. Insurance companies request IMEs solely for the purpose of denying claims. There is no other reason for an IME.
Insurance companies are skeptical of pre-existing conditions, low speed impacts, and extended treatment. The IME report will typically say that the injured person’s injuries are not related to the collision and that no further treatment is necessary.
It’s important that your patient is prepared for the exam. It’s a good idea to talk to an attorney before the exam. Questions concerning pre-existing conditions, subsequent injuries, and how their recovery is proceeding will come up during the exam. The better your patient is prepared the easier it will be to ultimately get PIP to pay the bills.
When the IME is requested, it can take 60 days or more until the report is completed. Understandably, your patients may be unsure if they should continue treating because they are afraid they will not be able to pay for the treatment. Having a full recovery as quickly as possible is always the goal. Delayed treatment delays their recovery.
An attorney can often predict the likelihood that the PIP carrier will have to pay the bills. This will help the patient decide whether to continue treating.