Today I accompanied a wreck of a man — a severely injured car wreck victim — to a so-called “independent” medical examination (“IME”). (You will see why I say “so called” soon enough.) The poor guy got t-boned a few years ago and ever since has suffered horrible pain emanating from his cervical and lumbar spine. He has had two surgeries, one on his neck and one on his lower back, not to mention countless rounds of physical therapy, epidural injections, trigger point injections, pain meds, and chiropractic treatment. Even so, he has been losing his war against the pain.
All of his many doctors have concluded that (1) he is badly injured; (2) the car accident caused his injuries (he was fine before then!); and (3) he is totally disabled.
Open and shut case, right? Wrong. The insurance company defending this case has a right, under New York personal injury law, to have the victim present to a so-called (there I go again!) “independent” medical examination (“IME”) by a doctor of their choice. The so-called “independent” doctor (paid by the insurance company) then renders an opinion whether the victim is injured, and if so what his injuries are, whether the car accident caused them, and whether he can work at all.