Most first-party insurance policies, your automobile policy, your homeowner’s policy, etc., have a clause that requires an insured to submit to an EUO (Examination Under Oath) when requested by the insurance company. In reality, an EUO is no different than a deposition and can be used against an insured for many reasons (and, perhaps, by an opposing party) in litigation. For this reason, in a claim that one might make against their own insurance company, an insured should strongly consider contacting an attorney before providing an EUO to the insurance company given the effect it may have in case the insurance claim proceeds to litigation.
This article does not constitute legal advice or the formation of an attorney-client relationship, and is not for re-publication without express permission of the author.