You were rear-ended on the Cross Bronx Expressway near the Webster Avenue exit six months ago. The MRIs show two herniated discs pressing on nerve roots, the epidural injections have stopped working, and your surgeon has recommended a cervical fusion. Then a letter arrives from your own insurance company: based on an "independent medical examination" that lasted barely ten minutes, your medical benefits are terminated. This is the no-fault IME cutoff, and it happens to seriou