Mindset Matters: How Your Beliefs Shape EUO Success
When it comes to Examinations Under Oath (EUOs), mindset is everything. Your beliefs influence your disposition, which affects your approach—and ultimately determines your results.
Let’s explore how your mindset plays a critical role in the EUO process and how the right approach can lead to better outcomes for you, your company, and the insured.
The Impact of Beliefs on EUOs
Start by asking yourself these three questions:
- Do you agree that your beliefs will affect your disposition?
- Do you agree that your disposition will affect your approach?
- Do you agree that your approach will affect your results?
When it comes to EUOs, these concepts hold true. Your beliefs about the process will shape how you engage with it.
- Negative Beliefs: If you think EUOs are a waste of time, costly, or unnecessary, that belief will create a negative disposition toward the process.
- Positive Beliefs: If you see EUOs as a tool to clarify discrepancies and gather vital information, your disposition will reflect that, leading to a more constructive approach.
When it comes to EUOs, these concepts hold true. Your beliefs about the process will shape how you engage with it.
The Right Approach to EUOs
A common mindset in the industry is viewing EUOs as tools for confrontation or as a means to scare the insured into noncompliance. This old-school mentality is both outdated and counterproductive.
Instead, consider this: What is your desired result?
- Are you using the EUO to uncover the facts and gather the necessary documentation to make an informed decision?
- Or are you approaching the EUO with preconceived notions, assuming guilt, and hoping for a confession?
The most effective EUOs are conducted with an open mind. When you let go of assumptions and focus on clarifying discrepancies, you’ll often uncover more valuable information than if you entered the process with a narrow or accusatory mindset.
The Role of Preparation
Your mindset doesn’t just affect how you conduct the EUO—it also impacts how you prepare for it. Whether you’re overseeing or conducting an EUO, your preparation should:
- Legal and claims professionals have applied their own perspectives, leading to inconsistencies in the EUO’s purpose.
- In some cases, the EUO has been overused or exploited, creating a negative perception.
Using EUOs the Right Way
The Examination Under Oath is one of the most powerful tools in the claims process—but only when used correctly. To do so, it’s essential to:
- Be rooted in fairness and objectivity.
- Include a pre-EUO call or strategy session to align expectations with claims partners.
- Focus on treating the insured respectfully, fostering open communication to gather the information needed.
Your Team’s Mindset Matters, Too
If you’re overseeing a team, your beliefs and approach will trickle down to them. It’s essential to stay aware of your team’s mindset and ensure they understand the right purpose of EUOs: to gather facts, clarify discrepancies, and resolve claims efficiently.
Encourage your team to adopt a positive, open-minded approach to EUOs. By doing so, you’ll not only improve results but also reduce potential exposure for the company.
Conclusion
At the end of the day, your mindset shapes the success of your EUOs. Negative beliefs lead to poor results, while a positive, open-minded approach fosters better outcomes.
Remember:
- EUOs are not tools for confrontation or denial—they’re tools for clarity.
- Preparation and fairness are key to successful EUOs.
- Your mindset influences not just your own results but also the outcomes for your team and the company.
The next time you prepare for an EUO, ask yourself: Am I approaching this with the right mindset? Your answer could make all the difference.
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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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