“…Personal injury insurers require a means to assess the physical and psychological status of their insured, as occurrences of unconscious symptom exaggeration (Dersh, Polatin, Leeman and Gatchel, 2004;Howard, Kishino, Johnston, Worzer and Gatchel, 2010), frank malingering (Greve, Ord, Bianchini and Curtis, 2007;Ochoa and Verdugo, 2010), and over-provision of services (Eisendrath, Rand and Feldman, 1996;Green 2011) exist in personal injury cases. Without independent medical examinations (IMEs), insurers' costs would escalate to a level that would potentially make the provision of coverage unrealistic.…”