What is an examination under oath?
An examination under oath is a formal proceeding used by insurance companies to obtain information about a claim. During the proceeding, a representative of the insurance company (usually a lawyer) questions the insured. Before being questioned, the insured is placed under oath.
What can I expect from an exam under oath?
What Happens During an Examination Under Oath? During this legal proceeding, you are sworn under oath and answer questions posed by the insurance company’s attorney. This means you are swearing in the court of law to tell the truth, the whole truth, and nothing but the truth.
What happens after a EUO?
At an EUO, you will be required to give sworn testimony in response to a lawyer’s questions in the presence of a court reporter, who will record every word that is said on a stenograph machine. Within a few weeks after the EUO is taken, the court reporter will type up his or her notes into a booklet form.
What is the difference between an examination under oath and a deposition?
An examination under oath is questioning that takes place to verify the legitimacy of an insurance claim in order to approve or deny the request. A deposition, however, takes place during any type of litigation to help the attorney establish their case and discover details surrounding the litigation.
Can you object in an EUO?
During the EUO, an insured’s attorney is not allowed to object as in a legal deposition, so being well-prepared is the key.
How do I prepare for EUO?
Tips for An Examination Under Oath
- Use clear, concise, and effective communication with the insurance company representative.
- You have the right to a date that is convenient for you.
- Give yourself time to prepare.
- Tell the insurance company if you do not have certain documents requested.
What questions are asked in an EUO?
Questions might touch on areas of the policyholder’s personal finances, credit score, bankruptcy history, past and current employment, past and current claims history, and criminal history. During the EUO, an insured’s attorney is not allowed to object as in a legal deposition, so being well-prepared is the key.