The findings from an Independent Medical Examination (IME) are significant because they are shared with the adjuster and insurance company, providing a vital source of objective medical information regarding the claim. This allows the adjuster and the insurance company to evaluate the validity of the claims made by the insured and helps in determining the appropriate action regarding coverage or settlement.
The sharing of IME findings ensures transparency in the claims process, allowing all parties involved—including the insured, the adjuster, and the insurance company—to have access to the same medical assessments. This can help in clarifying disputes concerning medical conditions and the possible impact on the insured's ability to work or perform daily activities.
The other options are less applicable; for instance, while the insertions made by an IME can be influential, they are not automatically deemed conclusive. They also are not meant to be reviewed by any doctor, nor do they inherently require a second opinion unless there are specific circumstances that warrant such additional reviews.