Examinations under oath, "EUO’s", serve a purpose different from a deposition. An insurance company is regularly asked to make a decision about payment or denial of a loss involving a sizeable sum of money without any ability to subpoena witnesses to testify. Most policies provide for the taking of sworn testimony.
Like Attorney Parks Chastain
I guess about anyone could see it coming, Bubba’s insurance company denied his house fire claim. The insurer, Wewoka Worldwide Insurance finished its investigation and mailed Bubba a denial letter, then the insurance company took the initiative. Wewoka Worldwide sued Bubba in a declaratory judgment action. Bubba considered it a ” declaration of war “!
During the EUO, opposing counsel marked Bubba‘s personal inventory list as an exhibit and said he wanted to go over some of the items destroyed in the fire. EUOs are a good tool for finding out information and evaluating the credibility of the insured. On its face, Bubba’s contents list probably caused an “inquiring
An EUO is a lot like a deposition or testifying in court. There is a court reporter present who swears in the insured and takes down the sworn testimony. The insured is asked a lot of questions about their background and the reported claim. A lawyer wouldn’t be worth much if he didn’t at least
