Key Takeaway
Court grants summary judgment on EUO no-show defense in Dover Acupuncture v State Farm, analyzing First Department's approach to policy violations.
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Dover Acupuncture, P.C. v State Farm Mut. Auto. Ins. Co., 2010 NY Slip Op 51605(U)(App. Term 1st Dept. 2010)
The Appellate Term, First Department, which many have felt is more favorable to the providers than the Appellate Term, Second Department, 2nd, 11th and 13th Jud. Dis., granted State Farm’s motion for summary judgment dismissing the complaint, based upon the provider’s failure to attend duly scheduled EUO’s. Before I begin my discussion of the case, it bears to note that the Appellate Term, First Department has historically been less forgiving to the providers than the Appellate Term, Second Department, 2nd, 11th and 13th Jud. Dis., on the discreet issue of the violation of conditions precedent to coverage. The no-fault historians out there will note that at the same time the original Appellate Term, Second Department, 2nd, 11th and 13th Jud. Dis. Fogel decision was adjudicated, the Appellate Term, First Department decided Inwood v. General Assurance. Inwood was a huge case, because I think it set in motion the current analysis as it relates to the IME no show and EUO no show defense. In subsequent cases, the Appellate Term, Second Department has (until recently as evidenced in the Rios dissents) scrutinized the IME no-show affidavits, EUO no-show affidavits and the doctor affidavits attesting to the non-appearance of the EIP, and has denied insurance carrier summary judgment motions due to certain perceived infirmities in those affidavits. As I have confessed on here before, I fell victim to the scrutinizing of these affidavits once because I left out the words “and to the attorney” on an IME no show vendor affidavit. These defects, however, are usually overlooked by the Appellate Term, First Department in the policy violation cases. A close reading of Inwood will prove this point.
Now, onto the merits of this case. We see that the EUO endorsement does not have be annexed to the moving papers. The Appellate Term, First Department has said this a few times, so this is of no moment. To me, the huge issue involves the following part of the decision: “Defendant-insurer made a prima facie showing of entitlement to judgment as a matter of law dismissing the complaint by establishing that it mailed the notices requiring the principal of plaintiff medical services provider to appear for an examination under oath (EUO) and that the principal failed to appear for such an examination”
The Department of Insurance in a circular letter opined that an EUO request is improper if it seeks the deposition of a particular member of a P.C. or LLC. This case appears to be contra to the DOI letter. Now, I am not going to say that this decision overrules what the DOI said in their opinion letter, since it is unknown, at this juncture, whether those arguments were preserved in the record in the court below and properly articulated on appeal. To quote the famous phrase: “your guess is as good as mine”. It would behoove the plaintiffs bar to probably locate the record on appeal in this case and copy it, since this issue has been adjudicated adversely to the insurance carriers in numerous arbitrations and unpublished lower court opinions. Finally, I sense this case overturns Judge Hirsch’s interesting decision out of District Court, Nassau County, in Dynamic v. State Farm.
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- How walking out of an EUO results in coverage disclaimers
- Requirements for timely objections to challenge EUO reasonableness
- Double coverage violations when assignors miss both IME and EUO
- New York No-Fault Insurance Law
Legal Update (February 2026): Since this 2010 decision, New York courts have continued to develop the jurisprudence surrounding EUO no-show defenses, with potential changes in how Appellate Terms evaluate the sufficiency of proof requirements for summary judgment motions based on EUO non-compliance. The standards for demonstrating proper notice, scheduling procedures, and the adequacy of supporting affidavits may have evolved through subsequent appellate decisions. Practitioners should verify current case law and procedural requirements when asserting or defending against EUO no-show claims.
Legal Context
Why This Matters for Your Case
New York law is among the most complex and nuanced in the country, with distinct procedural rules, substantive doctrines, and court systems that differ significantly from other jurisdictions. The Civil Practice Law and Rules (CPLR) governs every stage of civil litigation, from service of process through trial and appeal. The Appellate Division, Appellate Term, and Court of Appeals create a rich and ever-evolving body of case law that practitioners must follow.
Attorney Jason Tenenbaum has practiced across these areas for over 24 years, writing more than 1,000 appellate briefs and publishing over 2,353 legal articles that attorneys and clients rely on for guidance. The analysis in this article reflects real courtroom experience — from motion practice in Civil Court and Supreme Court to oral arguments before the Appellate Division — and a deep understanding of how New York courts actually apply the law in practice.
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May 4, 2015Common Questions
Frequently Asked Questions
What is an Examination Under Oath (EUO) in no-fault insurance?
An EUO is a sworn, recorded interview conducted by the insurance company's attorney to investigate a no-fault claim. The insurer schedules the EUO and asks detailed questions about the accident, injuries, treatment, and the claimant's background. Under 11 NYCRR §65-3.5(e), appearing for the EUO is a condition precedent to receiving no-fault benefits — failure to appear can result in claim denial.
What happens if I miss my EUO appointment?
Missing an EUO (known as an EUO 'no-show') can result in denial of your no-fault benefits. However, insurers must follow strict procedural requirements: they must send two scheduling letters by certified and regular mail, provide adequate notice, and submit a timely denial based on the no-show. If the insurer fails to comply with these requirements, the denial can be overturned at arbitration or in court.
What questions will be asked at a no-fault EUO?
EUO questions typically cover your personal background, employment history, the circumstances of the accident, your injuries and symptoms, treatment received, prior accidents or injuries, and insurance history. The insurer's attorney may also ask about your daily activities and financial arrangements with medical providers. You have the right to have your attorney present, and your attorney can object to improper questions.
Can an insurance company require multiple EUOs for the same claim?
Yes, under 11 NYCRR §65-3.5(e), an insurer may request additional EUOs as reasonably necessary to investigate a claim. However, repeated EUO requests may be challenged as harassing or unreasonable. Courts have found that insurers cannot use EUOs as a tool to delay claims indefinitely. Each EUO request must be properly noticed with adequate time for the claimant to appear.
Do I have the right to an attorney at my EUO?
Yes. You have the right to have an attorney represent you at an EUO, and it is strongly recommended. Your attorney can prepare you for the types of questions asked, object to improper or overly broad questions, and ensure the insurer follows proper procedures. Having experienced no-fault counsel at your EUO can help protect your claim from being unfairly denied.
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About the Author
Jason Tenenbaum, Esq.
Jason Tenenbaum is the founding attorney of the Law Office of Jason Tenenbaum, P.C., headquartered at 326 Walt Whitman Road, Suite C, Huntington Station, New York 11746. With over 24 years of experience since founding the firm in 2002, Jason has written more than 1,000 appeals, handled over 100,000 no-fault insurance cases, and recovered over $100 million for clients across Long Island, Nassau County, Suffolk County, Queens, Brooklyn, Manhattan, the Bronx, and Staten Island. He is one of the few attorneys in the state who both writes his own appellate briefs and tries his own cases.
Jason is admitted to practice in New York, New Jersey, Florida, Texas, Georgia, and Michigan state courts, as well as multiple federal courts. His 2,353+ published legal articles analyzing New York case law, procedural developments, and litigation strategy make him one of the most prolific legal commentators in the state. He earned his Juris Doctor from Syracuse University College of Law.
Disclaimer: This article is published by the Law Office of Jason Tenenbaum, P.C. for informational and educational purposes only. It does not constitute legal advice, and no attorney-client relationship is formed by reading this content. The legal principles discussed may not apply to your specific situation, and the law may have changed since this article was last updated.
New York law varies by jurisdiction — court decisions in one Appellate Division department may not be followed in another, and local court rules in Nassau County Supreme Court differ from those in Suffolk County Supreme Court, Kings County Civil Court, or Queens County Supreme Court. The Appellate Division, Second Department (which covers Long Island, Brooklyn, Queens, and Staten Island) and the Appellate Term (which hears appeals from lower courts) each have distinct procedural requirements and precedents that affect litigation strategy.
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