You may be required to attend an Independent Medical Examination (IME) under the terms of your automobile policy. In an IME, you are sent to a doctor hired by your Personal Injury Protection (PIP) carrier. The IME doctor reviews your medical records, does an examination and determines whether you still need medical treatment related to[ ]
Uninsured/Underinsured Motorist (UM) coverage covers you when you are not at fault for a crash and the other driver does not have any liability coverage or not enough to compensate you for your personal injury and/or losses. Your UM coverage “steps in the shoes” of the other driver’s insurance company and provides additional personal injury[ ]
Your PIP – Personal Injury Protection – coverage under your own automobile insurance polity is primary in covering your medical expenses after you have been in a wreck. It does not matter whether you were at fault for the crash or not; your own personal injury insurance covers you.
You can choose your own doctor when you have been involved in a collision and sustained a personal injury. You do not need prior authorization from your automobile insurance company. Your doctor will bill your automobile insurance company directly for services rendered to you.
You should tell your doctor about any pre-existing problems you have regarding the area of your body that is injured in a car crash or automotive accident. Your doctor needs a clear picture of your medical health so he can provide effective treatment or your accident related personal injury.