Thank you for sharing!

Your article was successfully shared with the contacts you provided.

While tools are handy, their functionality depends on them being used wisely. For instance, my chainsaw can help clear a driveway of a fallen tree limb. Used carelessly, it can also perform DIY amputations. A hammer can help me hang that picture in the foyer. A careless move, though, can cause it to smash my thumb. The tool isn’t the problem; it is how you use (or misuse) it. 

Independent medical exams (IMEs) can be powerful claims management tools for adjusters. They can prove instrumental in exposing suspect claims, challenging dubious causation factors, or detecting malingering. However, like other tools, IMEs are subject to the garbage in/garbage out principle. If the adjuster selects an IME physician who is vulnerable to impeachment, then this does not help the cause of the adjuster, the defense attorney, or the insurance company for that matter. It also poses a setback to claimants or plaintiffs, who may consequently sue the insurance company for bad faith if they feel the adjuster has gamed the IME process in order to reap financial rewards.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All PropertyCasualty360.com news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including BenefitsPRO.com and ThinkAdvisor.com.

Already have an account?




Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join PropertyCasualty360.com now!

  • Unlimited access to PropertyCasualty360.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including BenefitsPRO.com, ThinkAdvisor.com and Law.com
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2021 ALM Media Properties, LLC. All Rights Reserved.