Q: What is an Examination Under Oath and do I have to appear at the Examination Under Oath requested by my insurance company?
A: An Examination Under Oath (“EUO”) is a proceeding where your insurance company or its attorneys question you under oath regarding the facts and circumstances surrounding an insurance loss. Those questions are not limited to the loss itself but can pertain to your personal finances, personal circumstances, your employment, and any other issue that is relevant to the investigation of the claim. Most people do find the EUO to be an intrusive process and question the relevance of many questions that are asked. However, caselaw has established that questions regarding personal finances and circumstances are relevant to an insurance claim investigation. EUOs are usually followed up by an additional demand for documentation as party.
Yes. If you have a claim and received a request to appear at an Examination Under Oath (“EUO”), failure to appear will result in your claim being denied. Insurance policies contain cooperation clauses and specifically require that you appear for an EUO as often as is reasonably necessary. Most often, only one appearance is required.
Steven represents the firm’s clients with insurance and property damage disputes, actions against insurance agents and brokers, as well as general litigation matters. Steven has litigated many cases against national insurance companies such as Allstate Indemnity Company, Travelers Insurance Company, Liberty Mutual Insurance Company, and State Farm Insurance Company, as well as local New York insurance companies.
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