One Day Rest in Seven
New York requires certain employers to provide their employees at least 24 consecutive hours rest in any calendar week. Employers covered by this law include those operating factories, mercantile establishments, hotels, and restaurants. Other employers are covered as well. Section 161 of the New York State Labor Law.
An examination under oath is a right that an insurance company has to ask you questions about a loss. The EUO is usually performed by an attorney hired by an insurance company. The EUO is recorded by a stenogrpaher who will first swear you in and then make a transcript of your statement.
Some people take the attitude that if you have nothing to hide, there is no reason to bring an attorney to the EUO. I would not agree with this concept, even if you don't have anything to hide. Since there is no one else in the room, there is no one to protect your rights or to tell the attorney that he has stepped over the line. For example, if the attorney were to ask a question that touched on wholly inapprorpiate subject matter or if she asked a question that was improperly phrased (something like - do you still beat your mother - a yes or no question that can't be answered with a yes or no) - you would not know how to act.
Another reason to take an attorney is that you may not even know that an area is problematic to you. I have seen many cases where people were (unwittingly) committing policy violations that were exposed at an EUO. Your attorney will know what to ask you before the EUO and to prepare you to answer questions that may be asked.
The EUO is a very powerful tool in the insurance carrier arsenal. When used properly it can prevent insurance carriers from paying claims they should not be required to pay. When used improperly, it can lead to nightmares for the insured where they are interrogated about irrelevant issues before having their claim denied on completely bogus grounds. If this happens, you will then need to hire an attorney anyway to go to court and force State Farm to pay the claim.
Bottom line - State Farm has a well earned reputation for being aggressive with their EUO practices. Even if you don't believe that you have done anything wrong, you should still talk to a lawyer and consider bringing one to the EUO.