- The right to send the insurance company doctor other medical records and reports you want the doctor to consider.
- The insurance company must arrange for your transportation to the examination if you request it.
- The insurance company must make reasonable efforts to schedule the examination for a day and time that is convenient for you.
- There are time lines that govern when they can ask you to go to an insurer exam.
- The insurer exam must be conducted at a place reasonably close to your home.
- You have the right to get a copy of the report.
Why do all insuring Physicians say we are not allowed to have anyone else in the room for the assessment? What do they have to hide? What's the need for secrecy for if we, the person being insured, wants a person there to support them? If a claimant has asked for a person to be there with them then obviously they feel comfortable enough to be honest in front of them. Do insurers examiners really have the right to refuse, or is this just an assumed right that we follow believing they know something about the rules that we don't?
What about their oath? Does that just disappear when they take on insurance examinations?
What if they lie, or write their report in a way that is misleading? At some points some of their comments even feel like a personal attack on a claimants character. How do you address that? Is there any way to prevent them from ever doing that again? Like filing a complaint with the Physicians and Surgeons board?
I've had several insurer exams in the last year, and the results, and even some of the comments made make me think what they're doing and saying, cannot be legal under their oath.
I know my Lawyer will address the comments made in the assessments and it's my Lawyers job to fight against the assessors claims, but I honestly feel that some of the things said in the report, or during the assessment could easily fall within the realms of a viable complaint to the Board of Physicians and Surgeons.
If we all know that an insurers exam will always go against the claimant, why is that allowed to happen? Obviously someone is lying somewhere if the standard procedures as we know them; Insurers Exams are always against the claimant, Lawyer exams are always for the claimant. Where is the honesty in that process? Where is the accountability? Why aren't the shady way things are done addressed?
It's a rough road for claimants, especially claimants that truly are ill and in constant pain; like me.
My stress level is always high and every exam, every test, every report just makes the difficult life I'm living just that much more difficult.
No wonder so many people don't go the legal route and fight for what they know is their right.
It's a broken system.... what can be done to change that?
Oh I feel your pain.. I was in a MVA almost a year ago, and have not recieved the proper help required. My lawyer sent in occupational therapists that indicate 24 hour care in needed, so the insurer gets that form 1 and sends in their own therapist to complete a form one that goes on to mention in the report 24 hour care is needed but doesn't reflect that in the form 1 which came in at $676/month. I am getting so fed up.. I am tierd of being a spectator in my life and want to be a participant!!!! This is BS that they are able to do this.. We have just went throught the mediation process which was absolutely no help, now we are waiting on the letter from the mediator outlining what was settled and what wasn't settled before we can file for mediation. There are so many things that the adjuster has not done properly I am left wondering when all of this will be taken into consideration...
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