All insurance policies list duties that insureds must comply with or risk not getting paid on their claim. One of those duties is submit to an Examination Under Oath when the insurance company requests it.
An EUO is typically requested when the insurance company suspects fraud, misrepresentation or some other abnormality that may preclude coverage. The insurance company will hire an attorney to represent their interests and that attorney will request that you bring certain documents with you to the EUO.
The examination is essentially an interview of you conducted "under oath," which means that a court reporter will be present and recording your testimony, much like a deposition.
An EUO is a serious matter that should not be taken lightly. Insurers will often request an EUO when they are preparing to deny a claim. It is highly recommended that you do not engage in this adversarial process without competent legal representation.
If you have a request from your insurance company to attend an Examination Under Oath, contact Kim M Adams PLLC to discuss your rights and our fees. As always, our initial consultation is free.