1) WHAT IS AN EXAMINATION UNDER OATH?

An examination under oath, sometimes called an EUO, looks and feels much the same as a deposition or sworn testimony taken during the course of a court case and should be approached by insureds with the same preparation and care as if their claim had already been denied and they had sued their insurance company.

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. You will then be asked to review and check the transcription of your testimony for accuracy and sign the EUO.

The booklet containing your testimony will then be sent to your insurance company and will be considered along with other investigative materials and the attorney's recommendation in making a decision on your claim. Your should be aware that in some instances, your insurance company may be required to provide a copy of a transcript of the EUO along with other investigative materials to police departments who may believe that a crime was committed by you.

The EUO is typically taken in a conference room at the office of the insurance company's attorney. However, sometimes it is taken at other locations such as your attorney's office, at the company's claim office or at another agreed upon site. No judge is present or has the power to control the process.

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