Insurance companies may ask a policyholder to participate in an Examination Under Oath $($EUO$).$ This is a formal process that may be required as part of the insurance contract or it may be necessary if the insurance company needs to gather more details about the insurance claim.

a$.$ Name two $(2)$ reasons an insurance company may ask for an EUO.

b$.$ If an insured refuses to participate in the EUO, what happens to the claim?