EUO Demand Indicator #2:
Claims Taking Too Long to Resolve
In the life cycle of a claim, time is a critical factor. When a claim drags on longer than it should—whether due to delays by the insured, their attorney, or even internal company processes—it becomes a strong EUO demand indicator.
Let’s explore how unresolved claims signal the need for an Examination Under Oath (EUO) and how this tool can expedite resolution while protecting the company.
When Time Becomes an Issue
For most claims, the process follows a predictable timeline:
- The insured submits the claim.
- The company requests information or documentation.
- The claim is reviewed and resolved.
When this process is interrupted and the resolution takes too long, it often ties back to a lack of cooperation, as discussed in EUO Demand Indicator #1. Delays in providing information, missed deadlines, and prolonged communication gaps can all cause claims to linger unnecessarily.
Why Unresolved Claims Matter
Delayed claims not only frustrate the insured but also create potential exposure for the company. Common scenarios include:
- Customer Delays: The insured or their attorney fails to provide the necessary documentation or responses.
- Internal Delays: A file is overlooked, communication lags, or an internal process takes longer than expected.
In both cases, the delay puts the company at risk—whether through missed timelines, increased scrutiny, or potential litigation.
How the EUO Can Expedite Resolution
The Examination Under Oath is a powerful tool for expediting the claims process:
- Immediate Action: The EUO demand triggers protection for the company as soon as the letter is sent.
- Structured Process: Sitting the insured down under oath provides a clear opportunity to gather missing documentation, ask clarifying questions, and address discrepancies.
- Timely Resolution: A properly scheduled EUO takes place within a couple of weeks, ensuring that the claim moves forward without further delay.
Protecting the Company
Even if delays are caused internally, the EUO can help mitigate potential exposure. For example:
- If a file was overlooked or mishandled, the EUO provides a structured way to gather necessary information and resolve the claim efficiently.
- In jurisdictions with strict timelines, the EUO ensures compliance and protects the company from unnecessary risk.
Conclusion
When a claim takes too long to resolve, it’s a clear sign that an EUO should be considered. Whether delays stem from the insured, their attorney, or internal company processes, the EUO offers a reliable way to expedite the claims process and protect the company’s interests.
Stay tuned for the next part of this series, where we’ll explore another EUO demand indicator and how it impacts claims handling.
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Danny Vazquez
Danny Vazquez is the National EUO, LLC CEO.
Danny is a central leader on Claims, Investigations and EUOs in the insurance and legal industries.
As CEO, Danny took the knowledge and insights gained throughout his 25 plus years legal career to establish National EUO as the Nation's leading company on EUO services and EUO training.
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