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Do I have to submit to an Independent Medical Examination (IME)?

If you’re bringing a claim for personal injury protection against your own insurance carrier or for disability insurance benefits because you’ve become disabled, most insurance provisions require that you actually have an independent … They call it an independent medical examination. It’s from a doctor that they hire to review your symptoms and problems so that they can make a decision. If you do not agree and you don’t have that examination, it can be a basis for defense from the insurance company to deny the policy. Yes, the answer is, you must agree to the medical examination.

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