Examinations Under Oath (EUOs) are formal proceedings in which an insured party must provide sworn testimony to an insurance company regarding a claim. These proceedings are often conducted when an insured needs additional information to evaluate coverage, detect potential fraud, or resolve disputes related to policy terms.
EUOs are governed by state insurance laws and contractual obligations under the policy. Unlike depositions, they are not part of litigation but still carry significant legal implications. If handled improperly, an EUO can lead to claim denial, allegations of misrepresentation, or even legal consequences for the insured.
We help individuals and businesses navigate EUOs by:
- Clarifying obligations under the policy and applicable insurance regulations
- Preparing insured for direct questioning by insurance counsel
- Identifying and addressing potential red flags in testimony
- Ensuring consistency and accuracy in responses to minimize risk
Whether you are a policyholder facing an EUO or an attorney preparing a client for this process, effective preparation is key to protecting rights and securing a fair outcome.