Insurance companies can request an independent medical examination during any part of your claim process. However, insurance companies often request these examinations at the beginning. They may deny your disability claim if you refuse an independent medical examination. If you feel apprehensive about having an IME performed, there are actions that you can take to protect your best interests. One action includes taking notes during the medical exam; make sure to take note of the length of the medical examination, the types of questions asked, and the medical tests performed. You can also bring a trusted relative or friend who can serve as a witness.