When do EUOs occur in relation to case filings?

Examinations Under Oath (EUOs) typically take place before a formal case filing occurs. This process is part of the pre-litigation procedures where insurance companies conduct EUOs to gather detailed information from claimants about their claims. The purpose of an EUO is to investigate the circumstances surrounding a claim, which helps the insurer assess whether the claim is valid and to what extent they might be liable. Conducting EUOs prior to filing a case allows both parties to clarify facts and potentially resolve disputes without the need for formal litigation. This procedural step can also lead to the gathering of evidence that may be pertinent if the case does ultimately go to court.