Mental or physical conditions material to claim, examination, policy provisions
If you have suffered personal injury as the result of a car accident, often the insurance company responsible for paying no-fault benefits will require the injured claimant to undergo insurance medical examinations with doctors that the insurance company hires. These “second opinion” insurance exams are frequently a precursor to an adjuster advising an injured claimant that the insurance company will no longer pay the person no-fault benefits.
These insurance examinations can be for either mental or physical injuries. The insurance companies often refer to these examinations as independent medical evaluations, or IMEs. As long as the medical examination is related to a claim for no-fault benefits, the insurance companies have a contractual and statutory right to require a car accident victim seeking payment of benefits to attend. If an insured person refuses to attend, the insurance company may stop payment of no-fault benefits, as explained in MCL 500.3153.
The attorneys of Michigan Auto Law have been specializing in auto no-fault litigation for more than 50 years. If you have been injured in a car accident, truck accident or motorcycle accident in Michigan and are confused about your no-fault insurance rights, please call one of our expert lawyers for a free case evaluation at or fill out our consultation form. There is absolutely no fee or obligation.
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