What is an IME and do I have to submit to one after an accident in Texas?

An IME is an independent medical exam and after an accident such as a car wreck or an injury on the job you may be required by an insurance company to undergo an independent medical exam before you are paid compensation through insurance claims in Texas.

When paying out money for insurance claims, independent medical exams are used to confirm the validity of the injury and to prevent insurance fraud. These exams are usually performed by a doctor or healthcare professional chosen by the insurance company but sometimes are disputed in court. 

If you do not wish to submit to an independent medical exam you may have to show proof that doing so would cause you undue burden such as travel costs or time away from work. Otherwise, if it is listed in your insurance policy that independent medical exams are required for insurance claims in Texas you will have to attend.

An independent medical exam can also be required in other cases such as child custody situations to determine if a parent or guardian is mentally and physically stable. If the results of your exam are inconclusive you may be required to submit to more that one exam at the cost of the insurance company. 

If you were injured in an accident and an insurance adjuster is discussing independent medical exams you should seek help from an Austin accident lawyer experienced with insurance claims in Texas to evaluate your insurance policy and the details of your accident. It is important to seek legal support before agreeing to any type of settlement or examination.