In serious injury cases, insurance companies sometimes request what is known as an Independent Medical Examination, or IME. Despite the name, these examinations are usually conducted by physicians selected and paid by the defense or insurance carrier.

An IME is typically requested when the extent of an injury, future treatment needs, or long-term limitations are being disputed. The physician performing the examination may evaluate:

• Physical injuries and mobility 
• Pain complaints and functional limitations 
• Cognitive or neurological symptoms 
• Ability to return to work 

Many injured individuals are surprised to learn that the examining doctor is not providing treatment and may ultimately testify for the opposing side.

Because IMEs can influence settlement negotiations or litigation, preparation matters. Arriving on time, providing accurate information, and understanding the purpose of the examination are all important. Statements made during the evaluation may later appear in written reports or testimony.

Disputes often arise when IME findings differ from treating physicians’ opinions, particularly in cases involving chronic pain, traumatic brain injuries, or other conditions that are difficult to measure objectively.

While IMEs are a routine part of many personal injury cases, they can feel intimidating for individuals already dealing with serious medical challenges. Gunn | Slater works with clients across Missouri and Illinois to prepare for complex litigation procedures and protect their interests throughout the claims process.