Examinations Under Oath (EUO)

An Examination Under Oath (EUO) is a formal procedure used during the investigation of an insurance claim. It involves the insured (policyholder) being questioned under oath by a representative of the insurance company—usually an attorney hired by the insurer.

If your insurance company is asking that you appear for an Examination Under Oath (EUO) here's a breakdown of its use and purpose:

✅ Primary Uses of an Examination Under Oath in an Insurance Claim:

1. Claim Validation:

   • The insurer uses the EUO to verify the legitimacy of the claim and ensure that the information provided is accurate and complete.

   • It helps identify inconsistencies, fraud, or exaggerated losses.

2. Clarification of Facts:

   • The insurer may request an EUO if there are unclear, conflicting, or suspicious elements in the claim documentation.

   • It's an opportunity to dig deeper into the insured’s account of events, such as a fire, theft, or damage.

3. Fulfilling Policy Requirements:

   • Most insurance policies include a “duty to cooperate” clause. Attending an EUO is typically part of that duty.

   • Failure to comply can lead to claim denial.

4. Gathering Evidence:

   • The insurer can use the testimony from an EUO as part of their evaluation process.

   • A transcript is created and can be used later if the case ends up in litigation or arbitration.

🔍 Common Topics in an EUO:

• Details of the loss (what happened, when, where, and how)

• Value and ownership of damaged/lost property

• Financial condition of the insured

• Prior claims or insurance history

• Compliance with policy conditions

⚠️ Important Considerations:

• Legal Representation: The insured has the right to be represented by an attorney during the EUO and it is important that your attorney has experience with the nuances of an EUO. Darcy DuVal Hodges has performed close to 100 EUO's and can assist with your preparation and represent you during the examination.

• Under Oath: Lying during an EUO can constitute insurance fraud, which has civil and criminal consequences.

• Transcription/Recording: The session is recorded and transcribed for official use.

🔒 Why Insurers Rely on EUOs:

They help insurers:

• Detect fraudulent claims

• Assess coverage accurately

• Make informed decisions about settlement or denial

If you're involved in an EUO or expecting one, it’s wise to consult with an insurance attorney to prepare and protect your rights. Darcy DuVal Hodges has investigated 100's of insurance claims, including fraud, arson, theft, and property loss and can help you stand up for yourself against an insurer.