An IME—short for Independent Medical Examination—is a medical evaluation requested by an insurance company, often in connection with Michigan No-Fault benefits.

Despite the name, the doctor conducting the IME is typically hired by the insurance company—not your treating physician.

After an IME, it’s not uncommon for insurers to:

• Claim you’ve recovered
• Dispute the necessity of ongoing treatment
• Cut off wage loss or medical benefits

If that happens, don’t panic—but don’t ignore it either.

Here’s what you should do:

• Continue treating with your own doctors
• Request a copy of the IME report
• Document your symptoms and limitations
• Speak with an attorney as soon as possible

We regularly challenge improper benefit cutoffs and work to restore what you’re entitled to under Michigan’s No-Fault system.

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