A Compulsory Medical Examination (CME) is a tool insurance carriers often take full advantage of in defending either a bodily injury (BI) or uninsured/underinsured (UIM) lawsuit.
It is important that you maintain a very serious demeanor during your medical examination. The CME physician is not your friend and you should avoid making small talk with this individual. The physician performing a CME has been retained by an insurance carrier (or by a defense lawyer being paid by the insurance carrier) to poke holes in your case. In a majority of cases they will minimize your injuries in their reports and testimony offered at either deposition or trial. We always meet with our clients prior to a CME just the same as before a deposition.
We strongly recommend scheduling an appointment with your own treating physician the same day as your CME. This will enable us to compare and contrast the findings of a physician who is treating you with the doctor bought and paid for by an insurance carrier. We have seen CME doctors stating our client has no loss in range of motion or a lack of neurological deficits when their own treating physician reports just the opposite on the very same day. By videotaping the CME, we can often demonstrate just how little the hired gun did during their examination and often ignoring clear complaints.