Am I Required to Go to a Compulsory Medical Examination Requested By My Insurer After a Florida Car Accident?

In most cases, you will have to undergo what was once called an independent medical examination (IME) after a Florida car accident. It is now referred to as a compulsory medical examination (CME) because ‘independent’ was a misnomer. Many accident victims are skeptical of the CME, and rightfully so, since it is essentially an examination with a doctor of the insurance company’s choosing.

Although an CME is just a one-time appointment, it can unfortunately be used as a way to stop or deny benefits you could receive from a personal injury claim. This means if the treatment you’ve been receiving after your accident really has been helping you, and the physician performing the compulsory medical examination deems future treatment unnecessary, you may be left to shoulder any future costs yourself.

If an insurance company has asked you to submit to an CME, you may want to consider hiring a car accident lawyer to prevent insurance adjusters from taking advantage of you during this vulnerable time. You attorney will make sure certain steps are taken and restrictions imposed on the examination to protect you.

Your lawyer will do the following:

  • Review your insurance policy – you may not have to submit to an independent medical examination, depending on your policy’s stipulations.
  • Insist on videotaping the examination – this way, if a doctor makes a questionable diagnosis, you can have another physician review the footage or show the exam to a jury. We have seen doctors write up 12 page reports on a patient after a quick 15 minute examination.
  • Brief you before the exam – your Tampa car accident lawyer knows what the insurance company is looking to hear, and that the doctor may be looking for any discrepancies between your story and your current injuries.

The car accident claims process can be daunting, to say the least. If a CME is unavoidable in your case, your lawyer will work with you to make sure you don’t inadvertently damage your personal injury claim.

How We Can Help

If you or someone you know was hurt in a vehicle accident, you should be aware of your rights you have through the insurance company. Your own PIP/No-fault insurance will pay for up to $10,000 in medical expenses and wage losses if you meet certain requirements.

However, negotiations with the other driver’s insurance adjuster and possibly your own adjuster for Uninsured Motorist coverage are trickier. We can handle these discussions so you don’t have to worry about the back and forth of recorded phone calls and confusing questions designed to trick you into admitting liability.

Contact us today at 727-446-0840. We promise you will never have to write us a check. When we settle your case or win at trial we will take care of all your medical bills and write you check to you.

Jim Dodson
A Florida injury lawyer, family man and avid cyclist who clients have trusted for over 25 years.