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Geico Corporation - Examination Under Oath
Simply because I was accidently hit and knocked down by a car door in which my husband was driver and since pain was minimal I paid it no attention. Well 3 weeks later I had to go to dr. due to pain and contact insurance company that gave me a hard time as to why I didn't go to the dr. right away and call the insurance company when it happens. Well because didn't think at the time it was something to make a big deal out of. Have had an investigator come and take my statement and 3 weeks later get a letter stating that we both need to take this examination. This insurance company that my husband and I have been with for 12 years has or is trying to make us feel like a criminal. Can anyone shed light on this exam and what I should do. Can I request a copy of 1st report? Can I have a recorded with me to protect myself. Please anything that you can share with me as to what this exam is all about and what happens if I don't go. I know what happened and I told them the honest truth, but this has really depressed me, because I have NOT DONE ANYTHING WRONG.
Comments:
Posted by madconsumer on 2012-04-11:
sounds like they are building a court case. anything under oath is permissible in court of law.
Posted by Cwazychicken on 2012-04-11:
I think they just want to examine you to make sure you are hurting as much as you say you are. Does not mean they dont believe you but i know if i were an insurance company and someone was claiming injury, i would want to make sure they are being honest and have as much proof as possible. Its not a bad thing to go to court. But if you dont go, they probably will dismiss it and it would make you look worse.
Posted by CowboyFan on 2012-04-11:
Read your policy. There is probably a requirement that you give a statement under oath.
To the insurance company this looks suspicious: no damage to car, no witnesses other than husband who will benefit, no police called, and not reported timely. Sounds like a people who are taking advantage of the insurance company. Because there are such people, then honest people like the op are put through this interrogation to make sure this is not fraud.
I would think they would ask questions about how it happened, your past medical condition, your current medical complaints, and if you are in a financial bind that would motive you to commit fraud. You should be able to obtain a copy of the statement, or bring your own recorder.
The question I would have is what did you tell the doctor when you went for medical treatment as to how you were injured. It is always important to tell the doctor exactly how you were hurt if you are thinking of making a claim, e.g. if you tell the doctor you fell down, it is not believable when you later say you were hit by the car door.
To the insurance company this looks suspicious: no damage to car, no witnesses other than husband who will benefit, no police called, and not reported timely. Sounds like a people who are taking advantage of the insurance company. Because there are such people, then honest people like the op are put through this interrogation to make sure this is not fraud.
I would think they would ask questions about how it happened, your past medical condition, your current medical complaints, and if you are in a financial bind that would motive you to commit fraud. You should be able to obtain a copy of the statement, or bring your own recorder.
The question I would have is what did you tell the doctor when you went for medical treatment as to how you were injured. It is always important to tell the doctor exactly how you were hurt if you are thinking of making a claim, e.g. if you tell the doctor you fell down, it is not believable when you later say you were hit by the car door.
Posted by Starlord on 2012-04-11:
I would definitely have my own recorder. When they pull theirs out, I would pull mine out. If they say something, tell them they can make a recording, so you can, too.
Posted by onlooker on 2012-04-11:
stay calm,
remember they are trying to understand what happened, and since there are people who lie through their teeth to get anything for free - you just need to take some more time to show you are cooperating, working with them to tell the whole story -
and like noted above with Dr., did you buy painkillers over the counter - bring receipts, if you have names of people who saw you dealing with the pain from the door accident mention you have other people who can support your story etc.
If they record, you can ask for a copy, or transcript - if they say no - pull out your own recording device.
If you get emotional, or feel pressed, count to three silently in your head, before you answer - so you can collect yourself.
Stay calm, tell your story, be clear and concise, and good luck
remember they are trying to understand what happened, and since there are people who lie through their teeth to get anything for free - you just need to take some more time to show you are cooperating, working with them to tell the whole story -
and like noted above with Dr., did you buy painkillers over the counter - bring receipts, if you have names of people who saw you dealing with the pain from the door accident mention you have other people who can support your story etc.
If they record, you can ask for a copy, or transcript - if they say no - pull out your own recording device.
If you get emotional, or feel pressed, count to three silently in your head, before you answer - so you can collect yourself.
Stay calm, tell your story, be clear and concise, and good luck
Posted by trmn8r on 2012-04-12:
Look at this from the insurance company's point of view. Fraud is a great concern. What if someone fell off a ladder, and then filed a claim that it was an automobile incident? I believe you are being honest - it is the dishonest people who make it hard for everyone.
To me, this doesn't sound surprising. You have nothing to hide so it should go ok. There is always the possibiliy they may try to deny your claim, but I hope that doesn't happen.
To me, this doesn't sound surprising. You have nothing to hide so it should go ok. There is always the possibiliy they may try to deny your claim, but I hope that doesn't happen.
Posted by jon on 2012-05-13:
i have much experience with this. no need for recording because there will be a court stenographer there and you will get a printed copy of the EUO which you will be asked to sign. you must go, if you don't they can legally cancel your benefits. they must pay you for time lost at work
and have it at a convenient location. go to a doctor who will take an assignment of benefits. if geico does not pay, get a lawyer and sue them. they must pay the attorney's fee if you win and most attorneys who do this WILL NOT CHarge you if they lost.
and have it at a convenient location. go to a doctor who will take an assignment of benefits. if geico does not pay, get a lawyer and sue them. they must pay the attorney's fee if you win and most attorneys who do this WILL NOT CHarge you if they lost.
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