Claims process
Independent medical examination
An independent medical examination, or IME, is an evaluation by a physician chosen and paid for by the insurer rather than by the injured person, used to assess injuries and the treatment claimed.
"Independent" describes who selected the doctor, not their neutrality. IME reports frequently conclude that treatment was excessive or that the claimant reached MMI earlier than their treating physician says.
Attend, be accurate, and do not exaggerate. Tell your attorney beforehand and follow their guidance.
Related terms
- Impairment rating — An impairment rating is a physician's percentage assessment of permanent loss of function after maximum medical improvement, used mainly in workers' compensation to calculate the permanency award.
- Maximum medical improvement — Maximum medical improvement, or MMI, is the point at which an injured person's condition has stabilized and is not expected to improve further with additional treatment.
Need the money rather than the definition?
Apply in two minutes, or call 813-798-5528 and we will explain any of this on the phone.