What Constitutes a Sworn Statement Under Oath?

by Michael Martin

When an insurance company requests that its policyholder take a statement under oath, the insurance company seeks information surrounding the nature of an accident. Sometimes, a statement is required in order to assist with the disposition of an insurance claim. A statement under oath is sometimes referred to as an examination under oath.


The insurance company may request a policyholder’s statement under oath because it may have questions about coverage under the insurance policy, how the accident happened or how the damages occurred.


The insurance company often refers the administration of the statement under oath to an attorney, or it may be administered by a person on staff from the insurance company. In either case, the setting usually takes place at an office.

Attorney Representation

The policyholder may retain legal counsel for guidance and advice.


The statement under oath consists of questions asked to the policyholder pertaining to the nature of the insurance claim, for which the policyholder provides answers. The insurance company subsequently evaluates the testimony towards the disposition of the claim.

Under Oath

According to Brandon McWherter of the Tennessee Insurance Litigation website, the policyholder answers questions under oath, which means the policyholder affirms all answers provided are truthful.

About the Author

Michael Martin began writing professionally in 2008. He has more than 10 years of experience in the insurance industry and primarily writes about legal issues. Martin holds a Juris Doctor from Albany Law School and is licensed to practice law in New Jersey and Pennsylvania.

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