Conducting an EUO: Myths and Realities
Conducting an Examination Under Oath (EUO) is a critical part of the claims process, but there are persistent myths that can lead to inefficiencies and missed opportunities. Let’s explore these misconceptions and provide a practical framework for effective EUO practices.
Myth #1: EUOs Are Meant to Confront
A common misunderstanding is that the EUO is meant to be confrontational. This is incorrect. The EUO is:
- A professional question-and-answer session.
- An opportunity to address discrepancies and clarify facts.
- A tool for gathering documentation and information—not a confrontation.
While it’s essential to address any inconsistencies, the goal is to collaborate and resolve the claim, not to create conflict.
Myth #2: EUOs Are a Place to Fight
Disputes, whether with the customer or their attorney, have no place in an EUO. Here’s why:
- If opposing counsel becomes argumentative, take a break and address the matter privately.
- Avoid engaging in on-the-record debates that could create harmful documentation.
- Stay calm and professional to maintain control of the process.
The EUO should focus on facts, not arguments. Any disagreements should be handled respectfully and off the record.
Myth #3: EUOs Are About Getting a Confession
Many assume that the goal of an EUO is to extract a confession of wrongdoing. In reality:
- Confessions are rare, even when evidence is clear.
- The focus should be on gathering facts and uncovering the truth.
- EUOs help expose fraud through careful questioning and documentation—not by forcing admissions.
For example, in one case involving a stolen tractor, the insured maintained a fabricated story despite photographic evidence linking the tractor to their property. While the EUO revealed inconsistencies, it did not result in a direct confession.
Best Practices for Conducting EUOs
To maximize the effectiveness of an EUO, remember these key points:
- Stay Professional: Always approach the process calmly and professionally, even in challenging situations.
- Address Discrepancies: Focus on clarifying inconsistencies without being confrontational.
- Avoid Arguments: Handle disputes with attorneys privately and off the record.
- Gather Documentation: Use the EUO to collect the necessary information to decide the claim.
The goal of scheduling is to create an environment where the insured feels compelled—and even comfortable—to participate. By following the right process and employing proven strategies, you’ll see higher attendance rates and better outcomes.
Conclusion
EUOs are powerful tools for gathering facts and protecting the company, but only when conducted properly. By avoiding confrontation, maintaining professionalism, and focusing on facts, you can ensure a successful EUO process every time.
Free Strategy Session
Want to learn whether your EUO process is compliant or how to launch your own EUO practice?
EUO Compliant?
Most companies are under-using and misusing the EUO, creating unforeseen exposure and unnecessary expenses.
FREE Strategy Session
We'll assess your existing process and guide you on the EUO:
- Purpose: It's not just a fraud fighting tool.
- Protection: The claim, company and even against bad faith.
- Process: Should take only 2-3 weeks if properly executed.
Are You A Lawyer?
Learn how you too can get your own clients, build a lucrative practice and have freedom conducting EUOs.
FREE Strategy Session
Discover how to:
- Learn everything you need to know about the EUO in just a few weeks.
- Get your own clients and create a steady stream of monthly repeat business.
- Build a lucrative practice and have time freedom to purse other passions.
Danny Vazquez
Danny Vazquez is the National EUO, LLC CEO.
Danny is a central leader on Claims, Investigations and EUOs in the insurance and legal industries.
As CEO, Danny took the knowledge and insights gained throughout his 25 plus years legal career to establish National EUO as the Nation's leading company on EUO services and EUO training.
*IMPORTANT: We can not and do not make any guarantees about your ability to get results or earn any money with our ideas, information, tools, or strategies. What we can guarantee is your satisfaction with our training. You should know that all products and services by our company are for educational and informational purposes only. Nothing on this page, any of our websites, or any of our content or curriculum is a promise or guarantee of results or future earnings, and we do not offer any legal, medical, tax or other professional advice. Any financial numbers referenced here, or on any of our sites, are illustrative of concepts only and should not be considered average earnings, exact earnings, or promises for actual or future performance. Use caution and always consult your accountant, lawyer or professional advisor before acting on this or any information related to a lifestyle change or your business or finances. You alone are responsible and accountable for your decisions, actions and results in life, and by your registration here you agree not to hold us liable for your decisions, actions or results, at any time, under any circumstance. Be sure to read our full terms, conditions, and disclaimers.
©COPYRIGHT 2009 - 2024 NATIONAL EUO, LLC - ALL RIGHTS RESERVED
PRIVACY POLICY TERMS & CONDITIONS
SUPPORT - 1.800.386.0703