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

Written by Steven Matz on . Posted in .

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

My No-Fault insurance company wants me to see one of “their” doctors. What if I don’t go?

If You Have No-Fault Insurance Coverage

If you have no-fault insurance coverage in Michigan, your insurance carrier may hold up paying your medical, wage loss and other no-fault benefits until you have been seen by a doctor chosen by the insurance company.  This is a so-called “Independent Medical Examination” and it is permitted by section 3151 of the No-Fault Law.

It probably makes sense to you to think that, since you paid for no-fault coverage, if you get hurt, the insurance company should pay your medical and wage loss claims without arguing about it. However, things don’t work that way, as you have probably found out if you are reading this.  Your no-fault carrier only has to pay your benefits as long as it is convinced that the expenses are reasonable, necessary and are related to the accident. All three of those have to be true, in their opinion, or they won’t pay.

What insurance companies often do is set you up for an “examination” with a doctor who will probably find that 1) you aren’t “really” hurt, or 2) you may have been hurt initially, but you are ok now or 3) whatever is wrong with you isn’t due to the car accident.  Any of those approaches will give the insurance company the right to not pay you or your doctors.  These tactics drive a lot of people to seek the advice of lawyers who handle Michigan no-fault cases.

OK, you say, I just won’t go to the “independent” medical exam. Then the insurance company doesn’t have any basis upon which to cut me off, right?

Wrong.

Insurance Company Can’t Force You To Go

The insurance company can’t “make you” go to a doctor. But they can stop paying your benefits if you don’t go.  Your policy probably contains a clause that says they have the right to send you for an evaluation. And Michigan courts have ruled that the No-Fault Law itself requires you to cooperate with efforts to have you evaluated.

If you have been cut off from no-fault benefits after an “independent” medical exam, or have been told that you have been set up for such an exam by your no-fault adjuster, please consult a lawyer who practices no-fault law in Michigan immediately.  There are steps you can take to protect yourself from some of the risks described in this posting, but they are more complicated than anyone can cover in a few sentences.

Written By Steven Matz

Steven J. Matz is a founding shareholder of Matz Injury Law. The firm’s concentration is on personal injury litigation, with an emphasis on traumatic brain injury. Mr. Matz earned a Bachelor of Arts degree with high distinction and highest honors in 1974 from the University of Michigan and a Juris Doctor degree in 1977 from The George Washington University National Law Center. Mr. Matz lectures and publishes in a number of areas, including ethics, marketing, trial tactics, and head injury. Mr. Matz has served on the Michigan Association for Justice Executive Board and currently serves the Michigan Attorney Discipline Board as a Hearing Panel Chairman and Master. He is also a member of the State Bar Committee for Character and Fitness.
array digital logo
© Matz Injury Law.
The maximum contingency fee permitted by law is actually 33 1/3%. Michigan court rules require that the attorney fee be computed on the net sum recovered after deducting all disbursements properly chargeable to the enforcement of the claim.

What does 22not33 mean, exactly?

We can charge 22% while virtually all other injury attorneys charge 33 1/3% because we are very, very, good at obtaining results for our clients. 

We do not spend millions of dollars on television ads; instead, we offer a lower fee to all our clients.  We do not have dozens of lower paid associates handling our work. All our clients are represented by Steven and Jared Matz. Steven Matz started the firm in 1977 and since then has dedicated his life to representing injury victims.  Jared joined the firm in 2016 but grew up listening to stories, discussing theories, and generally learning at the dinner table about how to effectively and compassionately represent injury victims. Jared Matz was literally born to represent individuals involved in motor vehicle crashes.

All of our cases are handled on a contingency fee and all our cases are handled at 22%. Whether the case settles or goes through trial, the fee does not change. While our competitors make excuses as to why they charge so much, we are obtaining results for our clients at a lower fee.

At a typical television advertising law firm, your first call will be handled by a receptionist, who may refer you to an intake person, who will discuss your claim with an intake manager, who then discusses your claim with an associate, who may then report to a partner. You may never speak with the person whose name is at the top of the letterhead. At Matz Injury Law you will always speak with either Steven Matz or Jared Matz.

Lets Talk Close window
WAIT! TAKE ADVANTAGE OF OUR LOWER RATE OF 22%

22 not 33

Other firms charge 33%
We win or you don't pay | 24/7 Team Support | Over 10k Cases Of Experience