Independent medico-legal reports for insurers
Expert Medical is an independent medical reporting organisation (MRO) providing medico-legal reports for insurers, third-party administrators and fleet operators across England and Wales. Reports set out diagnosis, causation and prognosis to CPR Part 35, prepared by a registered expert whose duty is to the court, whoever instructs.
- MedCo registered MRO
- Registered, independent experts
- Prepared to CPR Part 35 & PD35
- For insurers, TPAs & fleet operators
Independent medical evidence for insurers, TPAs and fleet operators
An independent medical reporting organisation (MRO) provides medical evidence you can rely on. Where an examination of the claimant is agreed or the court permits, an expert examines the claimant and reviews the records, then reports on diagnosis, causation and prognosis to the standard the court requires.
Expert Medical Examination Ltd works with insurers, third-party administrators and fleet operators. We are instructed and paid by one party, but the expert's overriding duty is to the court. That independence is what gives the report its evidential value when causation, liability or quantum are in issue. A named case manager handles the instruction, the records and any Part 35 questions.
What insurers get from Expert Medical
Independence, not advocacy
Instructed and paid by one party, but the expert's duty is to the court. The report is not shaped to suit either side, so it holds up when tested.
Causation and prognosis
An independent medical opinion on diagnosis, causation and prognosis to inform the parties' assessment of liability and quantum.
Consistency, on the evidence
Where instructed, the expert records whether reported symptoms are consistent with the clinical findings and the mechanism of injury.
One standard, every claim
From soft-tissue RTA to catastrophic multi-track, each report is prepared to CPR Part 35 and Practice Direction 35.
Reports prepared to CPR Part 35
Every report is prepared to CPR Part 35 and Practice Direction 35: the expert's instructions, the material facts and assumptions, the examination and any tests, a reasoned opinion on diagnosis, medical causation and prognosis, any range of professional opinion, and the declaration of duty and statement of truth the rules require.
This makes the report credible and prepared for use in proceedings; permission to rely on expert evidence under CPR 35.4, and admissibility, remain matters for the court. Each report is written by an expert registered with the relevant UK professional regulator, such as the GMC or HCPC, and matched to the injury.
The medico-legal reports we prepare
We match each instruction to an expert in the right field:
RTA and soft-tissue injury
The claimant's first fixed-cost soft-tissue RTA report is sourced through MedCo. Larger or disputed RTA claims need separate medical evidence.
Workplace and employer liability
Accident-at-work and employer liability injury reports.
Clinical and medical negligence
Expert opinion on standard of care and medical causation, within the expert's discipline.
Public liability
Slips, trips and other public liability injury reports.
Industrial disease
Noise-induced hearing loss, HAVS and asbestos-related conditions.
Catastrophic and serious injury
Brain, spinal and multi-injury cases needing coordinated experts.
Psychiatric and psychological
PTSD, anxiety and depression reports by GMC and HCPC registered specialists.
Single Joint Expert
We arrange and administer SJE instructions where the court directs.
Report types include condition and prognosis, medical causation, records-only (desktop) reviews and medical evidence relevant to quantum, with addendum reports and answers to Part 35 questions. See our medico-legal reports overview, our CPR Part 35 guide and our expert medical report page.
How insurers instruct an MRO
Where an examination of the claimant is required, it proceeds by agreement between the parties or with the court's permission. For a low-value soft-tissue RTA claim, the claimant's first medical report is sourced through the MedCo Portal.
- 01Send the instruction. Tell us the claim details, the issues in dispute and any deadlines. We confirm the right expert and the fee before you commit.
- 02We arrange the examination. Once access is agreed, a named case manager books the appointment, subject to expert and claimant availability, and gathers the records the expert needs.
- 03You receive the report. It is prepared to CPR Part 35, checked for completeness, and delivered within the agreed timescale, with the expert's Part 35 answers coordinated as needed.
A medical expert for the specialism your case needs
Each instruction is matched to a medical expert whose clinical field fits the injury or condition. Every expert is registered with the relevant UK professional regulator, such as the GMC or HCPC, and prepares evidence to the duties CPR Part 35 places on an expert witness.
- Orthopaedic surgery
- Spinal surgery
- Neurology
- Psychiatry
- Psychology
- ENT & audiology
- Plastic & reconstructive
- GP reports
MedCo and soft-tissue RTA reports
For low-value soft-tissue road traffic claims, the claimant's first fixed-cost medical report is sourced through the MedCo Portal. Expert Medical is a MedCo registered MRO.
Independent medical evidence, whoever instructs
Expert Medical Examination Ltd is an independent, MedCo registered medical reporting organisation, preparing medico-legal reports for insurers, third-party administrators and fleet operators on personal injury and clinical negligence claims. Every report is written by an expert registered with the relevant UK professional regulator, such as the GMC or HCPC, to CPR Part 35 and Practice Direction 35, with the duty owed to the court. We provide the medical evidence; we do not give legal advice.
Independent medical evidence for insurers: FAQs
Do you provide independent medical evidence for insurers?
Yes. Expert Medical Examination Ltd is an independent, MedCo registered medical reporting organisation. We prepare medico-legal reports for insurers, third-party administrators and fleet operators. Although the instructing party pays, the expert's overriding duty is to the court, and that independence is what gives the report its evidential value.
What is an independent medical examination (IME)?
An independent medical examination is an assessment of a claimant by a medical expert who is independent of their treating clinicians. The expert examines the claimant, reviews the records, and reports on diagnosis, medical causation and prognosis to CPR Part 35 standards, with the opinion owed to the court rather than to the party who instructed it.
Is the report independent if the insurer instructs and pays?
Yes. Under CPR Part 35 the expert's overriding duty is to the court, not to the party who instructs or pays. The report is not shaped to suit the instructing side, and the same report can be tested by either party. That independence is the reason an independent MRO is worth instructing.
Do your reports address causation, prognosis and quantum?
Our experts give an independent medical opinion on diagnosis, medical causation and prognosis, which informs the parties' assessment of liability and quantum. The medical opinion is the expert's; the legal questions of liability and quantum are for the parties and the court. We provide medical evidence, not legal advice.
Can you assess consistency between reported symptoms and the clinical findings?
Yes. Where instructed, the expert considers whether the claimant's reported symptoms are consistent with the clinical findings and the mechanism of injury, and records that reasoned opinion in the report. It remains an independent clinical opinion prepared to CPR Part 35, not an assertion made for one side.
What claim types do you cover for insurers?
Personal injury (RTA, soft-tissue, workplace and public liability), clinical and medical negligence, industrial disease such as noise-induced hearing loss and HAVS, catastrophic and serious injury, and psychiatric and psychological claims. Each report is prepared to CPR Part 35 by an expert registered with the relevant UK professional regulator.
Do you handle employer liability and public liability claims?
Yes. We prepare independent medical reports for employer liability (accident at work) and public liability claims, matched to an expert in the relevant specialism and prepared to CPR Part 35 and Practice Direction 35, with the expert's duty owed to the court.
Are your experts registered and prepared to CPR Part 35?
Every expert is registered with the relevant UK professional regulator, such as the GMC or HCPC, and every report is prepared to CPR Part 35 and Practice Direction 35. Preparing a report to that standard makes it credible; permission to rely on expert evidence, and admissibility, remain matters for the court.
How do insurers instruct Expert Medical?
Send us the claim details, the issues in dispute and any deadlines. We confirm the right expert and the fee before you commit, arrange the examination subject to expert and claimant availability, and deliver the report within the agreed timescale. A named case manager handles the instruction throughout.
Can an insurer obtain its own medical examination of the claimant?
In larger or litigated claims a party may obtain its own medical evidence. An examination of the claimant proceeds by agreement between the parties or, where necessary, with the court's permission; it is not something either side can compel on its own. Where an examination is agreed or directed, we arrange it and prepare the report to CPR Part 35.
Do you offer records-only or desktop reviews?
Yes. Where an examination is not needed or is not proportionate, the expert can prepare a records-only (desktop) report: a review of the medical records with a reasoned opinion on diagnosis, medical causation and prognosis to CPR Part 35 standards, without a physical examination.
Ready to instruct Expert Medical?
Whether you have a single instruction or a high-volume caseload, our team is ready to help. Call us directly or send an enquiry and we’ll respond within 24 hours.