An MRI can affect your personal injury case in various ways. For example, if a doctor recommends an MRI to further determine the extent of your injuries but you do not undergo the procedure, it could look to the insurance company like you are not really hurt that badly. If you were really hurt, they’ll say, you would have had the MRI to help determine your next course of treatment.
If you have an MRI and it is negative, meaning, it doesn’t reveal any measurable injuries, this does not necessarily mean you are not in pain. It may just mean you have not sustained objective visible injuries. Often times an MRI can show a doctor areas that cannot be seen by any other diagnostic test. An insurance company will only want to pay for the procedure if they consider it “reasonable and necessary.” If a doctor requests an MRI too soon, without good medical documentation verifying why it is necessary, an insurance company might refuse to pay for it.