Examinations Under Oath (EUO)
From time to time, an insurance company might ask for an Examination Under Oath (EUO) from a policyholder who has filed a claim. This can be confusing for most people, and many often don't know what to do in this scenario. If you're the recipient of a letter demanding that you submit to an examination under oath, the first thing you need to do is to get an insurance attorney.
However, before you do that, let's take a closer look at what an Examination Under Oath (EUO) really is.
What is an Examination Under Oath (EUO)?
A EUO aims to investigate the claim of a person further, should there be any discrepancies in the claim submitted or issues surrounding whether a claim is covered by the subject insurance policy.Asking for a EUO is well within the legal rights of an insurance company. It is often included in the fine print of an insurance contract so, make sure to read this before you submit to an examination.
When is an Examination Under Oath (EUO) Given?
A request for a EUO is primarily triggered when the insurance company is suspicious about someone committing insurance fraud. Your insurance policy legally obligates you to provide all documentation and information as truthfully and honestly as possible, this includes complying with a request for documents in advance of your Examination Under Oath.
However, more often than not, insurance companies that are going to deny a claim can also initiate a EUO, even when there is no clear indication of actual insurance fraud.
How Can an Insurance Attorney Help You?
If you have received a request to submit to an Examination Under Oath, you can hire an insurance attorney who will then represent your interest, either during the EUO or in other stages of your claim. However, to have your best probability of success, it is advisable to have your attorney present right from the start, prior to submitting to an Examination Under Oath.
An insurance attorney will assist you with complying with the insurance company's document requests and can adequately prepare you for your testimony at your Examination Under Oath. An insurance attorney can also help when the insurance company is just looking for reasons to deny your claim. With the help of an attorney, all necessary steps will be taken to ensure that you are given the proper compensation for your claim without any further delays.
Having an insurance attorney will also give you access to a source of legal advice. With their help, you can understand the next action you should take. They will also handle scheduling for the Examination Under Oath and the appropriate documentation and proof you need to support your claim.
Let Us Help
If you have received a request for an Examination Under Oath, consider hiring an experienced insurance attorney to protect your interests. At Property Claims Litigation Group, we are a dedicated team of attorneys who are skilled at helping insured policyholders in their disputes with their insurance companies.
Hiring an attorney that is well versed in battling insurance companies may make the difference between you getting your fair compensation and getting no payment at all. Property Claims Litigation Group handles insurance cases throughout the entire States of Florida and Georgia. Contact us today at (404) 937-3176.