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The Supreme Court of Pennsylvania, responding to a certified question from the U.S. Court of Appeals for the Third Circuit, has ruled that an automobile insurance policy provision requiring an insured seeking first-party medical benefits to submit to an independent medical exam (IME) whenever the insurer required and with a doctor selected by the insurer conflicted with 75 Pa.C.S. Section 1796(a) of the Pennsylvania Motor Vehicle Financial Responsibility Law (MVFRL) and was void.

The Case