First Department upholds EUO DJ victory

Allstate Ins. Co. v Pierre, 2014 NY Slip Op 08921 (1st Dept. 2014)

“Plaintiff established that defendants are not entitled to no-fault benefits because their assignors failed to appear at scheduled examinations under oath (EUOs). This Court in Unitrin Advantage Ins. Co. v Bayshore Physical Therapy, PLLC (82 AD3d 559 , lv denied 17 NY3d 705 ) held that the failure to submit to requested independent medical examinations (IMEs) constitutes a breach of a condition precedent to coverage under a no-fault policy and voids coverage regardless of the timeliness of the denial of coverage (id. at 560). Although the instant case involves the failure to appear at EUOs, and not IMEs, this Court’s holding in _Unitrin_applies to EUOs (see e.g. Interboro Ins. Co. v Perez, 112 AD3d 483, 483 ; Seacoast Med., P.C. v Praetorian Ins. Co., 38 Misc 3d 127 ; Interboro Ins. Co. v Clennon, 113 AD3d 596, 597 ). Defendants do not dispute that their assignors failed to appear at their first EUOs, and plaintiff established, through admissible evidence, that the assignors failed to appear at their second EUOs (see Arco Med. NY, P.C. v Metropolitan Cas. Ins. Co., 41 Misc 3d 140, 2013 NY Slip Op 52001, *2 ; Quality Psychological Servs., P.C. v Interboro Mut. Indem. Ins. Co., 36 Misc 3d 146, 2012 NY Slip Op 51628 ). Plaintiff also established that the statements on the record were business records (see e.g. People v Cratsley, 86 NY2d 81, 90-91 ; One Step Up, Ltd. v Webster Bus. Credit Corp., 87 AD3d 1, 11-12 ). Although plaintiff was required to show (and did show) that the assignors each failed to appeared at two EUOs (see DVS Chiropractic, P.C. v Interboro Ins. Co., 36 Misc 3d 138, 2012 NY Slip Op 51443, *2 ), plaintiff was not required to demonstrate that the assignors’ nonappearances were willful (see Unitrin, 82 AD3d at 561).

Defendants’ argument that plaintiff failed to establish that it had mailed the EUO notices to the assignors’ correct addresses is unpreserved (see e.g. Ta-Chotani v Doubleclick, Inc., 276 AD2d 313, 313 ) and unavailing (see American Tr. Ins. Co. v Leon, 112 AD3d 441, 442 ). Similarly, their argument that plaintiff waived the defense of the assignors’ nonappearance because plaintiff did not establish that it ever denied defendants’ claims is unpreserved (see 276 AD2d at 313). In any event, the argument is unavailing, as defendants’ own verified answer alleged that plaintiff had denied their claims.

Defendants failed to show that summary judgment is premature due to outstanding discovery (see Interboro, 113 AD3d at 597).”

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What is crazy about this case is that I see a body of work I created both good (American Transit v. Leon; Interboro v. Clennon; Quality v. Interboro) and bad (Interboro v. Perez; DVS v. Interboro) cited herein.  Perhaps a deja vu moment for me?  I have Rybak to thank for another great appeal.  And at the rate Rybak is going, the insurance carriers will not even need an affidavit to prove they mailed something.

In actuality, I thought this was going to get reversed because the second EUO no-shows were placed on the record and the EUO bust statements were missing the Court reporter’s certificate.   Also, the record was devoid of an NF-2 or any record proof from where the address came.  Not a bad case to take up actually, but a disastrous result for the providers.  It looks like the Court took the scheduling affidavit where the EUO transcripts were deemed business records and the Court went along with it.  The Court expanded “Leon” and said the carrier does not have to provide record evidence as to where it got the addresses of the Claimants.   Clever, and indeed a good job by Allstate.  Yet, a very sloppy set of motion papers.  Quixotic.

Related Articles

• Court analysis of EUO no-show cases and declaratory judgment precedent
• How walking out of an EUO affects coverage and leads to disclaimer
• Understanding res judicata effects in EUO-based declaratory judgment actions
• Second Department’s interpretation of EUO compliance requirements
• Denial of Claims practice area

Legal Update (February 2026): Since this 2014 decision, New York’s no-fault insurance regulations and procedural requirements for examinations under oath may have been modified through regulatory amendments or updated Department of Financial Services guidelines. Practitioners should verify current EUO notice requirements, rescheduling procedures, and coverage denial standards, as both appellate precedent and administrative regulations governing no-fault benefits have continued to evolve over the past decade.