An EUO could also be required if an insurance coverage firm disputes your declare. If you’ve got been requested to take part, it’s good to be ready. Here is what it’s good to learn about what an EUO is, what it entails, and the place you may get assist.
What Is an EUO?
An examination beneath oath (EUO) is a proper process that an insurance coverage firm can request earlier than a declare is processed. It can have a number of functions, however mostly features to assist insurance coverage corporations collect extra details about a declare, stop fraud, or enable the insured occasion to show their losses.
What Happens In an EUO?
During an EUO, you (the claimant or insured) shall be sworn beneath oath, which implies you’ll legally swear to talk honestly. A consultant of your insurance coverage firm (usually a lawyer) will ask you many questions on your declare. All of their questions and your solutions shall be recorded by a court docket reporter.
An EUO can final for hours. Your insurance coverage firm needs to safe all of the related details and also you need to make sure you’ve been given each alternative to doc the specifics of your declare. This is why it’s good to perceive what you’re going through and put together your self forward of time, and why working with an lawyer throughout that preparation interval is vital.
Do I Have to Go to an EUO?
If you’re summoned to an EUO, it’s essential to attend. Otherwise, your insurer can deny your declare.
Here’s the caveat. If an EUO happens, and also you weren’t conscious of it, there are a number of viable causes to justify your lack of attendance. Examples embrace:
- The method through which your discover was given
- The timing of your EUO appointment
- Inability to have an lawyer current
If you consider an EUO was unfairly requested, or happened at a time or location that was not handy, you may get assist by speaking to an lawyer.
Can My Attorney Help Me in My EUO?
An lawyer can assist you earlier than, throughout, and after your EUO. However, you will need to perceive what precisely they will and might’t do all through the method.
Before the EUO
Your lawyer can put together you by explaining how EUO proceedings work, answering your questions, and serving to you formulate responses to the questions you’ll possible be requested.
During the EUO
Similar to a deposition, your lawyer can attend your EUO. But in contrast to a deposition, your lawyer can not work together or object to questions you’re requested. They could solely step in if issues get out of hand or if questions turn into too private.
After the EUO
If your insurance coverage declare is denied or underpaid after your EUO has taken place, your lawyer can assist you create a plan of motion for rebuttal. If essential, they will assist you in submitting a lawsuit and demanding the damages you’re owed.
Are EUOs Common?
EUOs are costly for insurance coverage corporations, so it relies on which one you’re employed with. Some insurance coverage corporations hardly ever request EUOs, whereas others do almost each time for instances the place they deny protection. Some corporations will use EUOs as an intimidation tactic to delay or problem your case unfairly, which is another excuse why it’s essential to work with a lawyer if you’re summoned.
Requested at an EUO? Contact The Lane Law Firm for Help.
If you’re having hassle with an insurance coverage declare and your supplier is requesting an EUO, be sure you have the correct workforce at your facet. Contact one among our insurance coverage dispute decision attorneys at The Lane Law Firm as quickly as doable. We’re glad to assist.