Table of Contents

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Chapter 1 The Purpose of Examinations Under Oath 1
  A) Introduction 1
  B) Examination Under Oath Defined 1
  C) General Purpose 3
  D) Distinguishing Examinations Under Oath From Other Proceedings  6
  1.Introduction 6
  2.Recorded Interviews Distinguished 6
  3.Depositions Distinguished 8
  E) The Purpose of Avoiding Litigation 14
     
Chapter 2 Enforceability Of Provisions Requiring Examinations Under Oath 17
  A) Enforceability In General 17
  B) Statutory No-Fault Provisions 20
     
Chapter 3 Demand for the Examination Under Oath 25
  A) The Requirement of a Demand 25
  B) Time 27
  C) Location 30
  D) Multiple Examinations 33
  E) Requirement To Bring Documents 35
  F) Delivery Of Notice/Service Of Demand 36
  G) Timeliness Of Request 38
     
Chapter 4 Who Must Submit To An Examination 43
  A) Family Members Of Named Insureds 45
  B) Corporate Insureds 48
  C) Executors 51
  D) Mortgagees 52
  E) Separation of Insureds 58
     
Chapter 5 Scope Of Examination 67
  A) Broad Scope 67
  B) Financial Condition of Insured 69
  C) Financial Condition of Corporate 
Insured and Shareholders 		 72
  D) Condition of Risk 75
  E) Insured’s Whereabouts 75
  F) Previously Asserted Claims 76
  G) Property Damaged Or Lost 76
  H) Procurement Of Insurance Policy 78
  I) Personal Injuries and Causation 78
  J) Subrogation 79
  K) Explaining Materiality To Insured 79
  L) Bases For Paying Claim 83
  M) Limitations to Examination 84
     
Chapter 6 Effect of Failure to Submit 87
  A) Conduct Constituting Breach 87
  1. Introduction 87
  2. Refusal to receive notice 87
  3. Timeliness of compliance 88
  4. Refusal to produce documents 95
  5. Refusal to complete examination 98
  6. Invocation of the “Fifth Amendment” 102
  B) Remedy for Breach 122
  1. Condition precedent 124
  2. Abatement only 131
  3. Absolute Bar 132
  4. Insurer must show prejudice 139
  a. Demonstrating prejudice 140
  b. Burden of establishing prejudice or willful refusal  146
  c. Presumption of prejudice 149
     
Chapter 7 Subscription to Examination Under Oath 155
     
Chapter 8 Insurer’s Potential Waiver of Rights 159
  A) Conduct Of The Insurer That May Be Viewed As A Waiver Of The Right 
To Examine The Insured Under Oath. 		 159
  B) Waiver Of Other Rights Under A Policy Of Insurance By Conducting 
Examination Under Oath. 		 163
  1. Limitation periods 163
  2. Proof of loss 165
     
Chapter 9 Potential Deposition Preclusion 167
     
Chapter 10 Polygraphs and EUOS 177
  A) Introduction 177
  B) Right to Request Polygraph Exams 177
  C) Ability to Rely on Polygraph Examinations Conducted by Others 180
     
Chapter 11 Good Faith Conduct of Examinations Under Oath 183
  A) Introduction 183
  B) Requesting an Examination Under Oath 183
  C) Unfair Trade Practices 185
  D) Failure to Advise Insured of Right to Attorney 186
  E) Defamation 188
  F) Bad Faith on the Part of the Insured 188
     
Chapter 12 Topics of Inquiry 191
  A) Adjustment Issues 191
  B) Identifying the Examinee 191
  C) Purpose of the Examination 192
  D) Ultimate Questions 193
  E) Background Information 196
  F) Character 197
  G) Other Claims 200
  H) The Insured’s Financial Condition 202
  I) Motive 210
  J) History of the Insured Risk 212
  K) Opportunity 215
  L) Incendiary Origin 218
  M) Misrepresentations 219
  N) Others With Motive 220
  O) Bases For Paying Claim 220
  P) Adjustment Issues 222