An IME is a so-called independent medical exam. The qualification that it is "so called" stems from the fact that when an insurance company sends you to an IME doctor, they are choosing one who is unlikely to be "independent".
Which is to say that a small cadre of doctors make large amounts of money seeing victims of personal injury and consequently can be relied upon by the insurance industry to opine that the injured person wasn't that hurt or didn't require the treatment they underwent or a host of mother opinions calculated to devalue the victim's claims.
