Generally examination under oath is a "set up " by insurance company and their attorneys to have you spill something out since they don't believe your claim. If you do not have truthful grounds forget about your claim and move on. If you have a case and truth is on your side, you should hire a lawyer. As a post script I must say that I have once represented a client who was prosecuted by the DA after the insurance company lawyer conducted a EUO and turned the transcripts over to the DA. Fortunately I was able to successfully defend my client.
You are required to give your own insurance company a statement under oath if requested. You are not required to give a statement under oath to the other drivers insurance company. Usually, when the insurance carrier asks for a statement under oath they believe that there is some type of insurance fraud occurring. You should contact a lawyer before setting up the statement.
If "they" is your insurance company you must cooperate. If "they" is the other party's insurance company, you do not have to give a statement under oath.
Such examinations are often used in fire loss claims. what has this got to do with an auto claim? Are they trying to find your claim of lost wages is fraudulent? I had that happen once with a bank lady who thought she was smarter than the rest of us and she phonied up a wage loss claim. Be careful.
Almost all insurance policies have provisions that require the insured to undergo an examination under oath . Failure to respond will give the company grounds to deny the claim. The examination under oath can also provide the insurance company grounds for insurance fraud, a felony in Florida. You should consult an attorney very experienced in these matters promptly- you are at risk!
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