The obligation to submit to an Examinations Under Oath is not restricted just to insurance policies with uninsured motorist coverage. It also can apply to policies where an injured person is seeking PIP benefits, under a policy other than his own. For example, is if a passenger in a vehicle does not have PIP coverage and the only way to receive those benefits is to get it from the insurance policy held by the driver of the vehicle in which the passenger was injured, then the passenger would be required to give an Examination Under Oath to the driver’s insurance company – even though the passenger does not have an insurance contract with that carrier. When the injured passenger seeks benefits under the driver’s policy, he or she is “stepping into the shoes” of the driver who paid for that insurance policy.
Person Injury Protection Benefits (PIP) in Florida are primary. This means that the first $10,000 of medical bills in any auto case is required to be paid through PIP. In fact, your health insurance or any other type of insurance will refuse to pay any medical bills until PIP has been exhausted. As a result, many individuals are forced to seek out clinics that are willing to bill for PIP because most other doctors will not bill PIP for treatment, unless it is for an emergency service. This situation often results in the injured party being required to sit for an Examination Under Oath despite any objections the party may have.
If you have any further questions about Examinations Under Oath or about any type of auto, motorcycle, trucking accident, injury or wrongful death case, please call the offices of Christopher Ligori and Associates at (877)-444-2929.