Do I have to see the doctor the insurance company picks?
Two different things.
An independent medical examination. Your PIP policy generally requires you to attend a reasonable examination requested by your insurer. Unreasonable refusal can result in benefits being terminated. This is an evaluation, not treatment.
Treatment. You are never required to receive care from a provider the insurer selects.
What to know about the examination. The physician is selected and paid by the insurer. The encounter is often brief; the resulting report is usually detailed and frequently concludes that further treatment isn't necessary. Cutoffs based on these reports are common.
How to handle it. Attend. Be accurate and consistent. Describe symptoms without exaggerating or minimizing. Don't guess. Note how long the examination lasted and what was actually done — that detail matters if the report describes a more thorough evaluation than occurred.
Tell your attorney before you go, not after.
Go, be accurate, and write down what actually happened in the room. ---
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