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