In Stephen Fogel Psychological (7 Misc 3d 18 [2004]), the Appellate Term found that an insurer had the right to conduct an IME prior to its receipt of the statutory claim form or its statutory equivalent which, "under the regulations, triggers the verification process." (Id. at 20, 793 NYS2d 661.) The insurance regulations first mention the right of an insurer to request an IME (and EUO) in the mandatory personal injury protection endorsement, "which is independent of the verification protocols," and, in light of the broad language authorizing IMEs, the court found there "to be no reason to preclude an insurer from requesting an IME prior to its receipt of the statutory claim form" (id. at 20.) The reviewing court stated that such an interpretation furthers "the policies underlying no-fault insurance, including . . . the expeditious processing of claims" (Stephen Fogel Psychological, P.C. v. Progressive Cas. Ins. Co., 35 AD3d 720 [2006]). The Appellate Term then found that the right to an IME "at this juncture is not afforded by the verification procedures and timetables" because 11 NYCRR 65-1.1 (d) "is not, on its face or contextually, a 'verification' provision, and because the detailed and narrowly construed verification protocols are not amenable to application at a stage prior to submission of the claim form." (7 Misc 3d at 21.)