How can auto insurance demand second EOU?

by bartelby3000 » Tue Nov 05, 2013 04:56 pm


My car was stolen in DC and I have since moved to West Virginia. The auto insurance carrier is demanding that I travel 6 hours to sit through a SECOND EOU!
I have signed the initial EOU transcript. How can they legally and ethically make such demands?

Total Comments: 20

Posted: Thu Jan 09, 2014 06:07 pm Post Subject: update

It's been 6 months since my car was stolen and Esurance is now attempting to schedule a 2ND EUO!!! I've filed a complaint with the Dept of Insurance and am now wondering whether I should pursue legal action against the insurance company?

Posted: Thu Jan 09, 2014 07:13 pm Post Subject:

As I mentioned in my PM response to you, this has gone on long enough for the insurance company to ACCEPT or DENY your claim. Those are the only two choices.

Either your car was stolen or it wasn't. (You could be hiding it in a garage somewhere, like some fraudsters do, but I doubt it).

Because they have not said YES or NO to our claim, it's still too soon to file a civil suit. But it is time for an attorney to write a VERY STRONGLY WORDED letter setting a deadline for them to accept or deny the claim. 14-21 days from receipt of the letter at the very most, and if they miss that deadline, then a civil suit will promptly follow.

Have they even given a reason for another EUO? Remember, make them come to you this time.

Posted: Thu Jan 09, 2014 08:18 pm Post Subject: update

They did not give a specific reason for the 2nd EUO. The attorney simply said that he had some "follow up questions" and requested a bank document. I requested a postponement of the first EUO because the bank document hadn't been received yet. He denied the request...only to turn around and ask me to supply the bank document as basis for a 2nd EUO. Very annoying, frustrating, and draining (mentally and financially) process dealing with Esurance!

Thanks again MaxxHerr and ALL

Posted: Fri Jan 10, 2014 01:49 am Post Subject:

Just a bunch of BS, if you ask me. Do not back down on your demand to make them come to you. It their case, if they are so dead set on the EUO, they have no choice. If they won't come to you and say they will deny your claim if you don't come to them, that's fine. You'll have a determination and can then sue for damages.

Posted: Fri Jan 10, 2014 10:35 pm Post Subject:


Posted: Mon Jan 13, 2014 05:23 am Post Subject:

Welcome to the forums PaulineWBittner !! :) Wondering if you were really having any questions since this is not the right forum to introduce yourself.

Posted: Thu Jan 16, 2014 10:23 pm Post Subject: VICTORY!!!!!

After following MaxHerr's advice, along with others who contributed, I finally received a very random email from a Total Loss Resolution Specialist this week! Since my last post, my most recent actions included sending in; proof of ownership, proof of loss, and a complaint to dept of insurance. In retrospect, my error was dealing director with the lawyer, instead of, at a minimum, cc'ing the claims supervisor. The supervisor was actually understanding and courteous, and seemed to reel in the overzealous behavior of their lawyer. The Esurance lawyer abruptly changed his tune after my Dept of Insurance complaint, but still requested another EUO...this time at my location of choice. After some back and forth regarding scheduling, and how he was going to attempt to have a court reporter meet me in West Va, after my work day, I received a random email from the Total Loss Resolution specialist who is moving forward with my claim evaluation. So, 7 months and a lot of grey hairs later, Esurance finally decided upon my claim. I wouldn't wish this headache on anyone, however, I learned a great deal regarding the claims process. Lessons learned; take a hard as nails approach/response to their tactics (thanks MaxHerr), email the insurance company so as to maintain documented communications, and the dept of insurance portal ARE YOUR FRIENDS...and lastly (try) not to let them intimidate you...because they are certainly trying their best to do just that. You're a valued customer while you're making your monthly payments, however when it's time for them to uphold their end of the agreement, they treat you like a criminal. Thanks again to everyone...this site is awesome.

Posted: Sun Jan 19, 2014 03:28 am Post Subject:

Glad things worked out for you. The lesson to be learned is that the insurance company is not always right. If you believe that you are owed something, stick to your guns and press for a resolution.

As the old proverb states, "The squeaky wheel gets the grease."

Add your comment

Enter the characters shown in the image.