Whenever the physical or mental condition of an insured person covered by Personal Injury Protection (PIP) insurance is "material" to any claim for benefits, the insurance company can require the patient to submit to an independent medical examination (IME).
Unlike cases involving liability insurance, PIP insurance companies unilaterally select physicians of their choice. It is important to note that the right of the insurance company to obtain such examinations is an integral part of the No-Fault law. Accordingly, the patient/insured's refusal to submit to a PIP independent medical examination, even when such refusal is on the advise of counsel, may constitute a material breach of the insurance contract which may release the insurance company from further liability for payment.

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