With the proliferation of fraud in the context of automobile accident claims, insurers are increasingly availing themselves of the policy provisions requiring an insured’s cooperation in the investigation of a claim.
In the No-Fault context, carriers are frequently conducting examinations under oath (EUO) of the insured/claimant in an effort to verify the nature of the accident and treatment received. In the context of first party coverage, the automobile insurance policies generally require the insured to submit to EUOs and independent medical examinations and produce pertinent documents and/or or authorizations, while the liability provisions of the policy require an insured to cooperate in the investigation, settlement or defense of a claim or risk the loss of coverage.
