{"id":886501,"date":"2016-01-19T17:16:45","date_gmt":"2016-01-20T00:16:45","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=886501"},"modified":"2016-01-19T17:16:45","modified_gmt":"2016-01-20T00:16:45","slug":"california-examinations-under-oath-protecting-the-insured-through-a-reasonable-examination-under-oath","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/california-examinations-under-oath-protecting-the-insured-through-a-reasonable-examination-under-oath\/","title":{"rendered":"California Examinations Under Oath: Protecting the Insured through a Reasonable Examination Under Oath"},"content":{"rendered":"

Denise Sze | Property Insurance Coverage Law Blog | December 30, 2015<\/p>\n

Over a course of the last few years I\u2019ve written about California Insurance Code 2071.1 and an insured\u2019s rights, which includes the right to review their claim file before an examination under oath<\/a> (EUO) is conducted. As the year draws to a close and the number of EUOs I witness only go up, I think the topic of EUOs should be revisited. Protecting the insured has become more difficult. Usually, examinations under oath<\/a> only occur after the insurer has sent the insured\u2019s claim to a special investigation unit and from that point on, the reality for the insured is that the investigation conducted is to find inconsistencies in the insured\u2019s recount of the loss to deny the claim. Although there are many reputable attorneys on behalf of the insurer conducting the requested examinations under oath reasonably and respectfully, there are also a handful out there with the distinct reputation among the insurance community well known for going out of the way to put the insured through a series of events that mimic a criminal inquiry that is both stressful and unnecessary.<\/p>\n

If you are an insured about to undergo an examination under oath, the ability to evaluate or know the reputation of the attorney conducting the examination under oath and having proper representation at the time of the EUO, may be the difference to a fairly conducted EUO and that which will be hostile and more likely than not result in a denial of the insured\u2019s claim.<\/p>\n

Under California Insurance Code 2071.1<\/a>(2),<\/p>\n

An insurer may conduct an examination under oath only to obtain information that is relevant and reasonably necessary to process or investigate the claim.<\/p><\/blockquote>\n

When interpreting the Insurance Code, what may be considered \u201crelevant and reasonably necessary\u201d is rather broad. The Code subjects the insured to a litany of questions during the EUO regarding financial viability in the form of banking statements, cash withdrawals, taxes and credit card statements over the last few years, along with cell phone records and receipts for purchases to be open and fair game for the insurer to question an insured about after a loss. All these stressful questions that open up an insured\u2019s life to the scrutiny of the insurer and their representatives can be overwhelming and intimidating therefore the insured must be protected to make sure that the pace, tone, and tenor of the EUO being conducted is proper, and if not, that these issues must be documented onto the EUO transcript appropriately. Making sure that the insured\u2019s testimony is properly interpreted in subsequent questioning may prove to be the difference between coverage or denial of a claim.<\/p>\n

The reality is…<\/p>\n

To finish reading this article<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Denise Sze | Property Insurance Coverage Law Blog | December 30, 2015 Over a course of the last few years I\u2019ve written about California Insurance Code 2071.1 and an insured\u2019s rights, which includes the right to review their claim file before an examination under oath (EUO) is conducted. As the year draws to a close… Continue reading California Examinations Under Oath: Protecting the Insured through a Reasonable Examination Under Oath<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[475,3],"class_list":["post-886501","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-examinations-under-oath","tag-insurance-claims","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nCalifornia Examinations Under Oath: Protecting the Insured through a Reasonable Examination Under Oath - 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