When we first conducted a national survey of claims professionals, we uncovered two primary reasons people hesitated to use Examinations Under Oath (EUOs). The first was cost, which we addressed in a previous article. The second, and perhaps more surprising, concern was this:
“EUOs are too dangerous.”
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This belief was rooted in fears of potential bad faith exposure and worries about how customers might perceive the process. However, much like the “too costly” myth, the idea that EUOs are inherently dangerous doesn’t hold up under scrutiny.

Let’s break it down.​

The fear of EUOs being “too dangerous” largely stems from concerns about creating unnecessary exposure for the company. Claims professionals worry that:

The idea that EUOs are dangerous is a myth. In reality, any potential risk comes not from the process itself but from the people involved.

If the individuals conducting the EUO—whether internal staff or outside counsel—lack the proper training or don’t follow the correct procedures, they could indeed create exposure. I know this firsthand because, in my early days, I made those mistakes. Without a clear understanding of how to handle an EUO, I inadvertently created risk for my company.
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Far from being dangerous, the EUO is actually one of the most protective tools available to claims professionals. When used correctly, it provides safeguards that other investigative tools simply can’t match.

Here’s how:
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The real key to minimizing risk lies in proper training. With the right knowledge and approach, EUOs can be conducted in a way that protects both the company and the customer. That’s why it’s crucial to:

The belief that EUOs are “too dangerous” is a myth that stems from misunderstanding and mismanagement. In reality, the EUO is an investigative tool that, when used properly, offers unparalleled protection for claims professionals and their companies.

The key is to focus on training and purpose, ensuring that every EUO is conducted correctly and for the right reasons.

Ready to learn more about how to make EUOs work for you? Join us for an in-depth training session, where we’ll explore the protective power of EUOs and how to leverage them effectively in your claims process.
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