# Hold the insurer examination to the questions the file asked

> Ontario SABS and BC ICBC files stall when records and the examination live in different places.

Source: https://imecore.com/use-cases/auto-accident-benefits

## The SABS clock does not wait for a missing clinic fax

The referral names the accident, the questions, and the due date. Collision records sit in one inbox. Clinic notes sit in another. The booking sits in a calendar. You learn what is missing when the report is already late.

- OCF forms and clinic notes arrive with no source date.
- The IE notice period runs while you still chase imaging.
- The examiner answers causation and skips the treatment question.
- SABS and ICBC files need different templates on the same desk.
- A no-show blows the date and nobody can show the notice you sent.

## What IMECore does about it

### Intake flags the regime

Forward the referral. IMECore reads the accident date, the claim number, the SABS or ICBC questions, and the due date.

### Collision and clinic records on the case

Police, ambulance, emergency, family doctor, and physiotherapy attach with source and date. IMECore flags what is still missing.

### Book against the IE date

Scheduling shows the report date and the notice window. You see the slack before you confirm the examiner.

### The examiner sees every SABS question

The portal lists each accident-benefits question beside the records. The template will not release with a blank answer.

### Ontario and BC stay on different templates

A SABS insurer examination and an ICBC assessment use different headings. The case applies the regime you set.

### No-show notice lives on the file

The case records the notice you sent and the cancellation window. The invoice applies the agreed no-show fee.

## How it runs

1. **Forward the accident-benefits referral.** Send it to intake. IMECore reads the accident date, the claim number, and the questions.
2. **Collect the records this regime needs.** Request the collision report, the hospital file, and the treating clinic notes.
3. **Book the examination against the due date.** Pick the examiner. Confirm the notice window. Keep the report date in view.
4. **Review the answers and send.** A reviewer checks each SABS or ICBC question has an answer, then releases the report.

## Numbers worth knowing

| Figure | What it measures | Source |
|---|---|---|
| 6% | Cap on recoverable disbursements in many BC vehicle-injury actions | BC Reg 210/2020 |
| $3,000–$6,000 | Typical BC specialist IME cost | lawyerinfo.ca, BC WCAT guide |
| $30–$32 | Published price per medical record request in Canada | medchart.ca pricing, 2026 |

## Questions people ask

### What is the difference between a SABS IE and an ICBC IME?

Ontario accident benefits use insurer examinations under the SABS, overseen by FSRA. BC auto injury assessments run through ICBC. IMECore applies the template for the regime on the case.

### Which records does an accident-benefits examination need?

The collision report, ambulance and emergency records, family-doctor notes, physiotherapy, and imaging. Prior claims matter when causation is in dispute.

### What happens if the claimant does not attend?

The case records the notice you sent and the cancellation window. The invoice applies your agreed no-show fee, with that notice attached.

### Can we run SABS and ICBC files in the same workspace?

Yes. Set the regime on the case. Questions, templates, and tax follow that regime.

### Does IMECore write the medical opinion?

No. You enter the questions on the referral. The reviewer checks each one has an answer before release. The examiner signs the opinion.