Do I have to attend an Independent Medical Examination arranged by the insurer?
Yes. Whether you have sustained a work-related injury, been injured in a motor vehicle accident or in a public liability claim, the insurer is entitled to request that you undergo an Independent Medical Examination (IME) to obtain their own Medicolegal Report.
Insurers are entitled to obtain their own medicolegal evidence - there is legislation in Queensland that allows for this. The insurer will usually provide your lawyer with a panel of three specialists to choose from. You may be required to travel to attend the appointment. This depends on the location and availability of the specialist. If you are required to travel to attend an appointment, the insurer will pay for your reasonable travel and accommodation expenses.
Relevant legislation
Motor Vehicle Accident
- Motor Accident Insurance Act 1994 (Qld).
Section 46A (2) (a) states… A claimant must comply with a request by the insurer to undergo, at the insurer’s expense, a medical examination by a doctor to be selected by the claimant from a panel of at least 3 doctors nominated in the request.
Workers Compensation Claim
- Workers Compensation and Rehabilitation Act 2003 (Qld).
Section 282 states… An insurer or contributor may at any time ask the worker to undergo either or both of the following, whether at one time or at different times, at the expense of the insurer or contributor:
- A medical examination by a doctor to be selected by the worker from a panel of at least three (3) doctors nominated in the request;
- An assessment of cognitive, functional, or vocational capacity by a registered person to be selected by the worker from a panel of at least 3 persons with appropriate qualifications and experience nominated in the request.
And 2. The worker must comply with the request unless it would be unreasonable or unnecessarily repetitious.
Public Liability Claim
- Personal Injuries Proceedings Act 2002 (Qld).
Section 25 (2) states…The Claimant must comply with a request by the respondent to undergo, at the respondent’s expense either or both of the following:
- A medical examination by a doctor to be selected by the claimant from a panel of at least 3 doctors with appropriate qualifications and experience in the relevant field nominated by the respondent in the request;
- An assessment of cognitive, functional or vocational capacity by an expert to be selected by the claimant from a panel of at least 3 experts with appropriate qualifications and experience in the relevant field nominated by the respondent in the request.
2. However, a claimant is not obliged to undergo an examination or assessment under this section if it is unreasonable or unnecessarily repetitious.