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Mike Bryant
Mike Bryant
Attorney • (800) 770-7008

REAL EXAMPLES OF WRONGFUL INSURANCE DENIALS: IME Denial

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Minnesota is a no-fault automobile state. This means that when you are in a collision there are basic benefits of medical bills, wage loss, medical mileage and replacement services that will be covered by your own car insurance policy. The no-fault benefits goes back to a deal from the 1970s where insurance companies got tort thresholds (items proving a severe enough injury to bring a personal injury claim) in return for guaranteeing that they would provide no-fault coverage. Using your no-fault benefits does not raise your insurance rates and should be a relatively easy and fast system.

A 40 year factory worker is in a motor vehicle accident where her bills were paid for three months up until she was sent to a doctor of the insurance company’s choosing. The doctor gives the opinion that she is cured. The woman suffers with her neck and back problems for nine months without receiving any additional care. She comes to see us after getting care that she so desperately needed but was unable to afford. A no-fault arbitration is started and all medical bills are awarded, along with costs and interest. The insurance company defends on not only the report of the doctor, but also in the gap in treatment, arguing that it was her fault that she was not getting care after their doctor’s report.

If you are in a motor vehicle collision in Minnesota, you need to notify your insurance agent in order to start the no-fault process. If you have questions, you should talk to an attorney who is experienced in handling these types of injuries.