If the insurance company's doctor disagrees with your doctor in a workers' compensation case, it can lead to a dispute over the nature and extent of your injuries, as well as the appropriate course of treatment. In some cases, the insurance company may deny your claim based on the opinion of their doctor. However, the ultimate decision on your claim will be made by the state workers' compensation board or a judge, who will consider all of the evidence and testimony presented. If necessary, you may need to hire your own attorney to represent you in the dispute.

In a workers' compensation case, the insurance company's doctor and your doctor may disagree about a number of things related to your injury or illness, including:

1. The cause of your injury or illness: The insurance company's doctor may dispute that your injury or illness is work-related.

2. The severity of your injury or illness: The insurance company's doctor may dispute the severity of your injury or illness, which could impact the amount of benefits you are awarded.

3. The need for medical treatment: The insurance company's doctor may disagree with your doctor regarding the necessity of certain medical treatments, such as surgery or physical therapy.

4. The ability to return to work: The insurance company's doctor may have a different opinion about your ability to return to work and whether or not you are permanently disabled.

5. The need for compensation: The insurance company's doctor may disagree about the extent of your disability and whether you are eligible for compensation for your injury or illness.

Ultimately, the state workers' compensation board or a judge will consider all of the evidence and testimony presented, and make a decision based on that information.