Does an insurance company have the right to hire private investigators to take an EUO statement?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 14, 2011

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Insurance Question from Forest Heights, MD

Asked on 11/14/2011

Does an insurance company have the right to hire private investigators to take an EUO statement? Okay I will try and sum this up quickly. I was insured through a small auto insurance company and my car was stolen on 7/1/11. After about 2 months my insurance company stated that they wanted me to do an EUO with their investigator, when i asked what that was she explained to me and told me that had my vehicle been recovered then I wouldnt have to go through all of that. So last month I received a notive in the mail from DMV tellin me that a ticket was put in it which led me straight to my car, now they are askin me to provide tax returns, W2's and so forth. Is that legal?

Answer given on November 14, 2011

I think you are saying that an EUO (examination under oath) is being required by the insruance company because your car was stolen.  However, your car has now since been recovered.  I take it from your question, they are still wanting to investigate you by requesting tax returns and w2’s. There is a clause in your insurance policy that give the right to an insurance company to investigate a claim and it also bounds you to cooperate.  However, I would be leary of any ecamination under oath.  Contact an attorney in your area and ask if there should be an attorney present when you submit to an EUO? Also ask about the other documentation they are requesting. You can find an attorney in your area by clicking here   


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