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examination under oath (EUO)

An examination under oath (EUO) is an important tool to allow an insurer to cross-examine the proofs of loss to avoid potential fraud.

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Its purpose is to enable the insurer to obtain the information necessary to process the claim. The EUO is taken under the authority provided by a condition of the insurance policy, usually statutorily imposed, that compels the insured to appear and give sworn testimony on the demand of the insurer. A certified court reporter and notary are present to give the oath to the witness and take down all of the words spoken during the interview.