Optimize Drug Testing Consent Agreement Legality with eSignature Licitness in European Union

How to eSign a document: e-signature licitness for Drug Testing Consent Agreement in European Union

so I wanted to take a few minutes while I Was preparing for a new one of my own clients to talk to you a little bit more about what euos or examinations under oath are really all about many times a client or if you're not a client will get a letter from the insurance company asking for an euo what does that stand for examination under oath not to be confused with a statement or a sworn statement an examination under oath is a contractual obligation that you have with your insurance company that they can investigate the claim by a process of asking you questions and taking down your answers with a court reporter in the room now in the world of virtual Zoom oftentimes that court reporter could be across the country but nonetheless the effect is the same they'll be asking you questions sworn under oath and there is a potential that they could use your answers down the road in any investigation or litigation in an insurance claim so first and foremost before we dive into what is an euo if you get notice of an examination under oath if you don't have a lawyer now is the time to stop put that piece of paper down and give us a call at 833 Mike 24 7. an examination under oath is a contractual obligation that you have between you and your insurance company and it's oftentimes found buried in a policy like this nonetheless you do have a contractual obligation to cooperate with your insurance company when they're investigating a claim that may be under the personal injury protection portion of your benefits it could be in a property damage claim or a collision or comprehensive part of your claim the insurance company does have the right to take your statement and oftentimes they'll do this in an informal way like a recorded statement where it's just a conversation between you and the adjuster and normally lasts between 5 and 15 minutes it's often just needed for the adjuster to document their file and make sure that they get any missing gaps down in order to proceed with the claim and you although is the next level of Investigation by the insurance company in examination under oath typically requires your appearance along with that of a court reporter there may be a special adjuster assigned to conduct the examination under oath or it could be an attorney that's hired by the insurance company to ask questions follow-up questions and make sure that every bit of your claim is investigated now just because an insurance company is asking for an euo it doesn't mean you've done anything wrong and many times euos can come and go with no problems whatsoever however it is incredibly important that you have an attorney represent you at that examination under oath because the answers to their questions are going to be sworn an examination under oath is typically used when trying to clear coverage to determine the details of an accident or ask questions about medical treatment that you may have received oftentimes the people that take the euos are Advanced experienced adjusters or insurance company attorneys that have been trained in taking examinations under oath when the insurance company sets your examination under oath it's incredibly important that you either attend at the dates that they have set or reach out and communicate with them in order to reschedule it to a time is convenient for you just like you're required to attend an examination under oath if you do not attend the examination under oath and blow it off they could say that you are breaching the contract of insurance now the dates that an insurance company picks for these euos may not be convenient for you but the insurance company has a duty within reason to reschedule these examination under oath to find a time that is convenient for you and also give you an opportunity if you so choose to retain counsel if you already have been in an accident and the insurance company is asking for an euo and your attorney says it's not important that they attend you may want to take pause with their representation because it is incredibly important that you have an attorney attend the examination under oath with you now remember it's important to you to reschedule that euo or attend at the time scheduled the reason why is just like the insurance company has the ability to take that examination under oath in the first place you have the obligation to cooperate with the insurance company insurance companies love nothing more than to invalidate or deny a claim under a lack of cooperation clause don't give them that opportunity to deny your claim because you missed an examination under oath reach out and communicate if you need to reschedule it and of course do it in writing we all know that adjusters from insurance companies are notorious about misdocumenting things or forgetting to document it at all now I'm not saying that they do it on purpose but with insurance companies you never know so if you do need to reschedule that uo do it in writing whether it's an email of fax or good old-fashioned Mal now that you've got the time and the date for your examination under oath it's important for you to prepare yourself for that EO any attorney that's representing you should set up a time a day or two before the examination under oath to go over what the insurance company might be asking you and to prepare you to answer those questions typical preparation for an eagle in my office lasts about an hour I'll sit with the client we'll go over the file and we'll review all the pertinent facts that the insurance company may be asking about now over the last 18 years I've attended hundreds if not thousands of these examinations under oath and I'm pretty sure the type of questions that the insurance company is going to ask based on my experience there but part of preparing for an examination around the oath is to prepare for the unexpected that's why it's important that your attorney comes prepared with their list of questions that they're going to ask you in preparation of the euo now remember because it's the insurance company taking this examination under oath there's a very good chance your lawyer will not be able to ask you follow-up questions in a deposition once litigation commences an insurance company may ask you questions but your attorney will be able to ask you follow-up questions which can often rehabilitate any answers that may be misunderstood or misconstrued in an examination under oath your attorney does not have the ability to ask follow-up questions your attorney will be limited to objecting and if needed telling you not to answer a question for it may detrimentally affect you personally or the outcome of your case but don't expect an attorney to object to every single question that the insurance company asks because then we'll write back to full circle where the insurance company will claim that there is a lack of cooperation based on the actions of your attorney objecting to every question in examination under oath may very well start like a recorded statement the representative from the insurance company whether it's an adjuster or an attorney will ask you a series of questions typically starting with where you live where you reside who do you reside with what are your previous residences your educational or employment background and then if you've had it at any other previous accidents that they need to know about it's important that you take your time during this initial portion of the examination under oath to give clear and concise questions make no mistake about it it's going to be a little nerve-wracking that's why preparation is so important because your attorney can give you all of the questions that may be asked as stressful as the examination under oath process is oftentimes it will not have any negative impact on your case but remember you must attend and if you can't attend the dates that the insurance company has set you have to respond in writing ask them to reschedule make sure that you are prepared for the examination under oath and make sure that you have representation and remember you can always give us a call at the machete Law Group at 833 Mike 24 7 or reach out to us on social media to talk about your examination under oath remember we're here to help foreign