Insurance demanding an EUO — is this normal or should I be worried?

I went through almost the exact same thing last year. My own insurer pulled this on me too — "inconsistencies" they called it. I was so stressed. I ended up getting a PI attorney to sit with me before the EUO and honestly it made a world of difference. The attorney helped me understand what to expect and I went in feeling way less panicked. Do not go into that thing alone if you can help it.

EUOs are actually a standard clause in most auto insurance policies — your insurer has the contractual right to request one, and if you refuse, they can potentially deny your claim on those grounds alone. That said, you absolutely have the right to have an attorney present with you. The EUO is essentially a sworn, recorded Q&A session, so anything you say matters. A few things I'd suggest: (1) get a copy of your full policy and read the cooperation clause section, (2) request the exact list of topics they plan to cover beforehand, and (3) seriously consider at least a consultation with a PI attorney before you show up. Not telling you what to do, just what I've seen people wish they'd done.

Your OWN insurance company is doing this to you — let that sink in. They're not on your side, they never were. The EUO is a tool they use to find reasons to reduce or deny your payout. Minor details that don't match up perfectly become ammunition. Please get an attorney before you walk into that room.

I used to work in claims and I'll be real with you. EUOs get ordered when the file gets flagged, and "inconsistencies" is sometimes a genuine concern and sometimes just a fishing expedition to see if you'll contradict yourself under pressure. Either way, the people in that room — the attorney hired by your insurer who conducts it, the court reporter — none of them are your friends. You're entitled to representation. Use that right.

Not legal advice, but I'd strongly encourage you to at least call a personal injury attorney for a free consultation before this EUO happens. The fact that the police report supports your version of events is a good thing — but the way you present yourself and answer questions under oath still matters a lot. Most PI attorneys handle these situations regularly and many won't charge you unless you recover something. Worth a phone call.

Oh this would stress me out so much too. You were the one who got hit and now you're being treated like you did something wrong?? Please don't go through this alone. Even just having someone in your corner who knows how this stuff works sounds like it would help.

What exactly were the inconsistencies they flagged? Like was it something small — a detail about direction or timing — or was it something more significant about how the crash actually happened? Not doubting you at all, just wondering if it might be something easily explained versus something that actually needs more prep work on your end before you go in.