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An IME or independent medical exam is usually carried out by a doctor chose by the defendant in a civil case. Often, the examining doctor for an IME is hired by an insurance company to assess compensation. The doctor’s report of the IME is what insurance companies use to determine an appropriate compensation.
In civil cases the plaintiff’s exam is often paid by the law firm through a letter of protection or LOP. If the injured person is an employee seeking benefits they are sometimes required to pay a fee of 10-15% of the IME. That fee also goes to the doctor hired by the insurance company. In reality, many employees choose to pay the fee themselves.