Your insurance policy, and the PIP statute, permit your insurance company to have you examined by a physician of their choosing. You are obligated to attend this examination or you may void your insurance coverage. Understand that this doctor is not looking out for your best interest, but is looking out for your insurance company’s best interest.  If your insurance company terminates benefits as a result of this examination, an attorney such as myself can help you make sure that you get the benefits to which you are entitled by contesting the results of that insurance doctor examination.