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 the accident injury. More times than not, the IME doctor reports that treatment is no longer necessary. The IME procedure is often a tool used by PIP carriers to cut off benefits to their insured.