Litigation

Independent Medical Examination (IME)

An Independent Medical Examination (IME) is a medical evaluation requested by the insurance company to assess your injuries. Despite the name, IMEs are not truly independent — the doctor is selected and paid by the insurer. Understanding your rights regarding IMEs in Colorado is essential.

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What Is an IME?

An IME is a one-time medical evaluation by a doctor chosen by the insurance company. The doctor examines you, reviews your medical records, and provides an opinion on your injuries, treatment, and prognosis. The insurer uses this opinion to challenge your claim.

Your Rights in Colorado

  • In litigation, the defendant can request one IME under Colorado Rules of Civil Procedure, Rule 35
  • You can have someone accompany you to the examination
  • You can record the examination
  • You can request a copy of the IME report
  • You can challenge the IME findings with your own medical evidence

Frequently Asked Questions

Before litigation, yes. During litigation, the court can order you to attend. Refusal during litigation can result in sanctions.
Often, yes. IME doctors frequently minimize injuries and suggest you need less treatment. This is expected.
Be honest, don't exaggerate, don't minimize. Describe your symptoms accurately. Don't discuss legal aspects of your case.

Related Guides

Maximum Medical Improvement (MMI) → Pre-Existing Conditions and Injury Claims → Dealing with Insurance Adjusters →

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