Usually, policy languages of your car insurance have language that makes EUO required. It is important that your policy language to see if it's required. Basically an EUO is sworn testimony about the claim, getting documents and records in regards to the claim. If you have multiple claims, it is very standard that the insurance company will want an EUO as multiple claims are red flags. An attorney representing the insurance company will ask you about every single claim so make sure you obtain the police reports on all claims and provides accurate information that corroborates with the police reports. Any discrepancies will cause more red flags and reasons for the insurance companies to deny the claim.
How to proceed with an EUO
If you decide to proceed with an EUO, you will need to answer every question truthfully as it can negatively affect your case at a later time if you are not truthful.
Never volunteer information, only answer the questions being asked.
If it is a yes or no question, only answer yes or no, do not provide too much to the answer as the attorney will ask more questions based on your response.
If the attorney ask questions that you do not feel comfortable answering, then you can notify the attorney that you do not want to answer the questions as it is not relevant.
Never guess. Only answers questions you know the answer to. It is completely acceptable to say I don't know, or I don't remember.
Please remember that you can object to questions in which the answers are incriminating, or violate your privacy.
If you do not feel comfortable proceeding with the EUO without representation and you are contractually required to do the EUO, you should consider get an attorney to sit in.
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