The Insurance Examination under Oath (EUO)

This course explains that one of the most important conditions of the first party property insurance policy is the condition that requires the insured to produce documentation and submit to an examination under oath. The examination under oath can assist the insured if their documentary evidence was destroyed in a loss for the purpose of proving their loss by sworn testimony. In addition, the examination under oath allows the insured to testify to the insurer facts that will – hopefully – eliminate suspicions that the insured is attempting fraud. The course also explains why failure to submit to the examination under oath is sufficient to allow the insurer to declare the policy void and deny the claim presented. 

The course covers the following:

1. The duties of an insured to submit to an examination under oath.
2. The duties of an insured to submit documents that establish or support the claim.
3. The fact that the examination under oath condition is a condition precedent to indemnity.
4. That the examination under oath condition is hoary with age and has been an honored part of the policy list of condition that must be obeyed.
5. That any false statement at examination under oath is sufficient to allow the insurer to void coverage.
6. That the named insured or any person who is an insured must submit to examinations under oath.
7. That the purpose of a cooperation clause is to enable the insurer to obtain all knowledge and facts concerning the cause of the fire and the loss involved while the information was fresh in order to protect itself from fraudulent and false claims.