Key Takeaway
A 2012 case highlights how insurance companies must properly establish EUO scheduling to avoid losing their right to deny claims based on no-shows.
This article is part of our ongoing euo issues coverage, with 199 published articles analyzing euo issues issues across New York State. Attorney Jason Tenenbaum brings 24+ years of hands-on experience to this analysis, drawing from his work on more than 1,000 appeals, over 100,000 no-fault cases, and recovery of over $100 million for clients throughout Nassau County, Suffolk County, Queens, Brooklyn, Manhattan, and the Bronx. For personalized legal advice about how these principles apply to your specific situation, contact our Long Island office at (516) 750-0595 for a free consultation.
In New York no-fault insurance litigation, insurance companies frequently rely on examinations under oath (EUOs) as a crucial tool for investigating potentially fraudulent claims. When claimants fail to appear for scheduled EUOs, insurers often believe they have a strong defense for denying coverage. However, a 2012 Appellate Term decision demonstrates that the foundation for such defenses must be properly established from the outset.
The case of Superior Oxygen & Ortho Supplies, Ltd. v Auto One Ins. Co. serves as a cautionary tale for insurance carriers who fail to follow proper procedures when scheduling EUOs. This decision underscores the importance of meticulous compliance with regulatory requirements, particularly the timing and proof of EUO scheduling notices. When insurers cut corners on these procedural steps, they risk losing what might otherwise be valid defenses, even when dealing with EUO no-shows or cases involving questionable claim submissions.
Jason Tenenbaum’s Analysis:
Superior Oxygen & Ortho Supplies, Ltd. v Auto One Ins. Co., 2012 NY Slip Op 50348(U)(App. Term 2d Dept. 2012)
“defendant failed to establish that the examination under oath (EUO) scheduling letters had been timely mailed (see St. Vincent’s Hosp. of Richmond v Government Empls. Ins. Co., 50 AD3d 1123 ) and that the 30-day claim determination period (see Insurance Department Regulations § 65-3.8) had been tolled. As a result, defendant failed to establish that its denial of claim forms were timely and, thus, that it is not precluded from raising the failure of plaintiff’s assignors to appear at the EUOs as a defense”
The case speaks for itself and the result should validate a more proactive method to handling these cases. Otherwise, why are you paying your attorneys to do these EUO’s?
Key Takeaway
This decision reinforces that insurance companies cannot simply rely on the fact that claimants failed to appear for EUOs. Proper documentation of timely mailing and compliance with regulatory deadlines is essential. Without establishing these foundational elements, insurers may find themselves precluded from asserting otherwise valid defenses, regardless of whether Allstate or other carriers face similar procedural challenges in New York no-fault insurance law cases.
Legal Update (February 2026): Since this 2012 post, New York’s no-fault insurance regulations under 11 NYCRR § 65 have undergone several amendments affecting EUO procedures, timing requirements, and proof standards for scheduling notices. Additionally, appellate decisions over the past 14 years may have refined the procedural requirements for establishing proper EUO scheduling and the consequences of non-compliance. Practitioners should verify current regulatory provisions and recent case law developments when handling EUO no-show situations and coverage denials.
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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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More EUO issues Analysis
EUO No-Show: Attorney Affirmation Sufficient Despite Time Lapse Between No-Shows and Execution
Appellate Term reverses Civil Court, holding that an attorney's affirmation attesting to plaintiff's failure to appear at EUOs was sufficient despite a 'significant lapse in time.'...
Feb 25, 2026EUO no-show – correct statement of law
Court ruling clarifies that insurers cannot enforce EUO requests sent more than 30 days after receiving claims, making late requests nullities under New York no-fault law.
May 22, 2021Triable issue of fact as to non-appearance?
Learn about EUO and IME non-appearance defenses in New York no-fault insurance cases. Expert analysis of Island Life and Alas Lifespan decisions. Call 516-750-0595.
Jul 2, 2019Mutual rescheduling in between two no shows – valid
Court ruling on EUO no-shows: mutual rescheduling between two missed examinations under oath still constitutes valid grounds for denial in New York no-fault cases.
Jul 13, 2016Obligations of Assignee and Authorized entity
Key court ruling on EUO obligations for healthcare providers with assigned benefits or authorization to pay in New York no-fault insurance cases.
Mar 19, 2015Personal knowledge became more personal
Court rules attorney affidavit lacking personal knowledge insufficient for EUO no-show summary judgment in New York no-fault case
Apr 6, 2013Common 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.
If you need legal help with a euo issues matter, contact our office at (516) 750-0595 for a free consultation. We serve clients throughout Long Island (Huntington, Babylon, Islip, Brookhaven, Smithtown, Riverhead, Southampton, East Hampton), Nassau County (Hempstead, Garden City, Mineola, Great Neck, Manhasset, Freeport, Long Beach, Rockville Centre, Valley Stream, Westbury, Hicksville, Massapequa), Suffolk County (Hauppauge, Deer Park, Bay Shore, Central Islip, Patchogue, Brentwood), Queens, Brooklyn, Manhattan, the Bronx, Staten Island, and Westchester County. Prior results do not guarantee a similar outcome.