One exception is if you are making a workers compensation claim against your employer for a car accident that happened on the job. The workers comp insurer may ask you to see its doctor, and you will have to do so to receive workers comp benefits. Of course, that does not mean you can't see your own doctor; it means you may not get reimbursed for seeing your own doctor.

In a claim against another driver's car insurance company, you may see your own doctor, but if there is disagreement about the extent of your injuries, the opposing insurance company may require an (independent medical examination)�IME. The "opposing" doctor is often a specialist in your type of injury. You do not have to agree to see that doctor unless your claim becomes a lawsuit. If that happens, you will get formal notice (a subpoena) ordering you to see the opposing party's doctor.

That doctor will take your medical history, examine you, and ask you questions about the accident, your injury and any treatment you have received. The doctor will likely ask about any injuries you had before the accident, or any other pre-existing conditions. That doctor then makes a report. Your own doctor may review the report and add comments. The opposing party�s lawyer will use the report in settlement discussions or in court.

You need to be careful with alternative medical practitioners, even chiropractors. The other party is responsible for such medical bills if your lawyer can prove that the treatment was reasonable and necessary. But be aware that chiropractors, acupuncturists, osteopaths, and other alternative medical practitioners may not get the same respect as medical doctors from the court. If you have anything more serious than a minor, soft tissue injury (a muscle strain or sprain), your medical doctor is probably the way to go if you want to make sure you get reimbursement.