Unfortunately, you are required to attend an Independent Medical Examination in most instances. Your insurance carrier has a fundamental right to an IME to curtail potential fraud. If you refuse to submit to or to attend a lawfully granted IME, the insurance company will cite it as an “unreasonable refusal” and you will be deemed to have breached the insurance policy. Breaching the contract could release the insurance carrier from all liability for further medical payments.
Do note, though, that failure to attend the IME is not necessarily an “unreasonable refusal” to attend. For example, missing the appointment because of a family emergency is not the same as purposefully staying home. The insurance carrier has the burden of proving the failure to attend was unreasonable.