PIP Benefits and Mental and Physical Examinations After Your Delray Beach Car Accident

Your insurance carrier may be able to choose the doctor who performs your physical/mental exam after a Palm Beach County car accident.  Sometimes the insurance carrier uses this right under Florida Statute 627.736(7) to stop paying claims.  An insurance company can only withdraw payment from a treating doctor when they have obtained a report from a doctor licensed inder the same chapter whose treatment authorization is sought to be withdrawn.

This does not limit the type of doctor the insurance carrier can choose to perfrom your IME (independent medical examination) and you cannot unreasonably refuse to attend an IME on the grounds that the doctor is not licensed under the same chapter.  The doctor does not have to be agreed upon by the insurance company and your attorney unless the doctor is questionable.  If you unreasonably refuse to attend an IME then the insurance carrier will no longer be liable for subsequent personal injury protection.  You have the right to have a 3rd party present and to videotape and record the exam.