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What You Need to Know about Insurance Examinations Under Oath


Insurance protects you from financial loss when accidents happen; whether the accident occurred at work, on the road, or at home, filing a claim can be complicated. Getting compensation after an accident can be a difficult process; insurance companies have access to no end of legal tactics that can delay or prevent a payment, even when your case seems clear. In particular, insurance companies can request that you submit to an examination under oath (EUO). While EUO’s are not part of a trial, testimony may be used at trial, so it’s important to understand your rights.

Do I have to submit to an examination under oath?

Most insurance policies include a section that requires you, the insured, to cooperate with an investigation. This clause includes language that legally binds you to submit to an EUO. Attorneys for the insurance company now conduct most EUOs. You will be sworn in, and the attorneys will question you about your claim in the presence of a court recorder.

Examinations under oath can be requested for any number of reasons. In particular, insurance companies request an EUO when they are unsatisfied with the type or amount of the claim. An examination under oath is a legal tool used to get the policyholder’s comments on the record. As such, statements made during an EUO can make or break an insurance claim.

Why you need an attorney present

When your insurance company requests an EUO, they will also request supporting documentation. Gathering the required paperwork and preparing for the examination can be nerve-wracking and complicated. An experienced Oklahoma insurance dispute attorney can help you prepare for the types of questions you can expect and make sure that your paperwork is in order. Proper preparation can expedite your claim and save you time, effort and money.

Whether you were hurt on the job or someone was injured in your home, the experienced Oklahoma insurance dispute attorneys at Stipe Law Firm can help you settle your claim quickly. Visit our office in McAlester or contact us today for a free consultation.

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