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Examination Under Oath

Examinations under oath (EUO) have long been used by insurance companies in property insurance claims, and are increasingly demanded in Personal Injury Protection and Uninsured Motorist claims as well. An EUO can potentially require you to miss at least two full days from work and come out of pocket for expenses that may total more than what your actual claim might be worth. The law regarding EUOs is still developing, and insurance companies will use this to their advantage in order to get you to agree to EUOs you may not be required to partake in, or to scare you during the EUO process. The Seattle insurance attorneys at Olive|Bearb Law Group, PLLC are experienced with the full extent of the law regarding examination under oath in Seattle and will protect you from unnecessary loss of time, money and trust in your insurance company.

The first thing you need to be aware of is whether your policy allows your insurance company to require an EUO from you. This must be found within the "four corners" of the insurance policy - meaning within the language of the agreement itself - yet insurance companies will often read "further reasonable requirements" into the policy in order to sidestep the law and instate an EUO after the fact. Likewise, the typical EUO only allows the insurance company to examine the insured, yet they will attempt to bring other parties into the investigation as well. As a practical matter, an EUO is only required when

  • There are serious questions regarding the claim
  • The insured has been uncooperative during the initial investigation
  • The insurance company wants to complete its investigation prior to any action, such as denial or settlement

There is abundant case law that reveals insurance companies trying to find any number of possible loopholes to institute a request for EUO. The reasoning is simple: they have the resources and in-house legal staff meant to intimidate and confuse everyday policyholders who assume their insurance company is on the same side as they are. The Seattle Examination Under Oath attorneys at Olive|Bearb Law Group, PLLC have extensively dealt with the vague and often unsettled law surrounding EUO and will work to ensure your rights and interests are being protected.

An insurance company may request an Examination Under Oath in the following situations:

For more information on how the insurance attorneys at Olive|Bearb Law Group, PLLC can help you, please call 206-629-9262 for a consultation.