Facing an independent medical exam (IME) after a personal injury in Pennsylvania can be very stressful. Whether you've been injured in a car accident, a slip and fall, or a workplace incident, understanding what to expect during this process is essential for protecting your rights. An IME is often requested by insurance companies to assess the severity of your injuries and determine the appropriate level of compensation. Unfortunately, these exams are not always impartial, as insurance companies may use them to minimize payouts. This is why preparing yourself both mentally and physically for the exam is important.
It's natural to feel anxious or concerned about how the results of your IME will affect your case. After all, your future medical treatment and financial well-being could be at stake. However, knowing what to expect and how to navigate this process can provide some peace of mind. Working with an experienced personal injury attorney in Pennsylvania can also help ensure the IME is conducted fairly, with your best interests in mind. Whether you're dealing with a workers' compensation claim or a personal injury lawsuit, being informed and prepared can make all the difference in achieving a favorable outcome.
What Happens During an Independent Medical Exam in Pennsylvania?
During an independent medical exam (IME) in Pennsylvania, a doctor hired by the insurance company evaluates your injuries to determine the extent of your condition and its relation to your accident or claim. Although called "independent," this exam is conducted by a physician chosen by the insurer, not your own doctor, and the findings can impact the outcome of your compensation or benefits. In Pennsylvania, an IME typically consists of the following:
Review of Your Medical History
The IME begins with the doctor reviewing your medical history, including the records related to the injury in question. They may ask you about how the injury occurred, the treatments you have received, and how your injury has affected your daily life. This is a critical moment in the exam because the information you provide should be consistent with your previous medical records. Any discrepancies could be used by the insurance company to question your claim.
Physical Examination
After discussing your medical history, the doctor will conduct a physical examination. This exam is usually specific to the type of injury you're claiming. For example, they may assess your range of motion, pain levels, and physical capabilities. The doctor will look for objective signs of injury, like swelling, scars, or limited movement, and will assess whether your current condition is consistent with your reported symptoms.
Diagnostic Testing (if applicable to your case)
In some cases, the IME may also involve diagnostic tests like X-rays, MRIs, or CT scans to gain a clearer understanding of your injury. These tests help the IME doctor assess the severity of your condition and whether it matches your claim. If you've had recent diagnostic tests, the IME doctor may review those results instead of ordering new ones.
Questions About Your Symptoms and Pain
The doctor will ask you questions about your pain levels and how the injury has affected your ability to work or perform daily activities. It's important to be honest and consistent when describing your symptoms, but avoid exaggerating. The IME doctor is trained to look for inconsistencies, and any exaggeration could undermine your credibility.
The Doctor’s Report
After the exam, the IME doctor will prepare a report for the insurance company. This report includes the doctor's findings on the extent of your injuries, whether they believe your injury is related to the accident, and their opinion on your ability to work or perform certain activities. The insurance company will use this report to determine how much compensation or benefits you are entitled to, and in some cases, it may lead to a reduced settlement if the IME doctor downplays the severity of your injury.
Can I Refuse an Independent Medical Exam in Pennsylvania?
In most personal injury and workers’ compensation cases in Pennsylvania, attending an IME is not optional. By filing a claim for compensation, you are agreeing to the possibility of undergoing an IME as part of the legal process. The insurance company has a right to request the exam to ensure they are providing appropriate compensation based on the extent of your injuries. If you refuse to attend, the insurance company may claim that you are not cooperating, which could result in the denial of your claim or the suspension of benefits.
How Long Does an Independent Medical Exam Take in Pennsylvania?
An independent medical exam (IME) in Pennsylvania typically takes anywhere from 30 minutes to an hour, though the exact duration depends on the complexity of your injury and the type of evaluation required. The purpose of an IME is for a doctor hired by the insurance company to assess your injury, review your medical history, and provide an opinion on your condition. It’s important to remember that while the IME may not take long, its outcome can significantly affect your injury claim. Therefore, it’s a good idea to come prepared with your medical records, a list of current symptoms, and any other relevant documents to ensure the process goes as smoothly and efficiently as possible.
Can I Bring Someone with Me to an Independent Medical Exam in PA?
Yes, in Pennsylvania, you can generally bring someone with you to an independent medical exam (IME), but the level of their involvement may be limited. Having a trusted person with you during your IME can offer several advantages. First, they can help you remember details about the exam afterward, which can be helpful when discussing the results with your attorney. If any unusual questions or behaviors arise during the exam, your companion can serve as a witness. Additionally, their presence can make you feel more comfortable and confident during what may otherwise be a stressful process.
If you're considering bringing someone to your IME, it's a good idea to check with your attorney first. They can advise you on whether it’s allowed in your particular case and help you understand your rights during the exam. Ultimately, having someone with you for support can be a valuable way to ensure the exam is conducted fairly and your rights are protected.
Brandon J. Broderick Is Here to Support You Through the Pennsylvania IME Process, Ensuring Your Rights and Recovery Are Prioritized
If you've suffered injuries in an accident in Pennsylvania, you’re likely feeling overwhelmed and uncertain about what comes next. The emotional and physical toll of an accident can be immense, but you don’t have to face this difficult time alone. At the law firm of Brandon J. Broderick, we understand how life-changing an accident can be, and we are committed to standing by your side every step of the way. Our compassionate team is here to guide you through the legal process so you can focus on what truly matters—your recovery.
Contact us day or night for a free legal consultation.