201808.11 0 What is an EUO or Examination Under Oath? An Examination under oath if requested may not be in your best interest. It can be one of the most powerful tools available to insurers when done correctly. It is a formal proceeding during which an insured under oath and in the presence of a court reporter , is questioned by an insurance company representative. You always have the right to have an Attorney or Public Adjuster present if this is requested by the carrier.