D. O. A. Forms

Created by Chet Gladkowski 03 Jun 2014 @ 07:47
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All forms are D.O.A. (Dead-on-Arrival.) Now this might sound harsh, but the reality is that forms are created with information as of a point of time. And since the form is cut off from any possible changes or updates, the form is potentially out of date when it’s delivered. There are a host of possible changes and informational updates that can invalidate the form. Mid-term endorsement, renewal, changes in limits or forms, cancellation for non-payment and AM Best rating downgrades are but a few of the possible changes that can nullify the form.


It makes absolutely no difference how the form was created (agency, company or third-party software and service providers,) everyone creates D.O.A. forms. And the delivered method is also irrelevant; paper, fax, web address link, mobile phone, table, PDF and other digital images all have exactly the same problem. The fact is forms are not plugged into and alive with information pronounces them D.O.A. There is no ongoing re-verification of the policy status in conjunction with the needs of the insured and the third-party that needs verification of coverage.


Note: This is an excerpt from an upcoming article and proposal to disrupt the way we communicate certificate/proof of insurance throughout the insurance ecosystem.

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I agree with you Chet in terms of the direction of vendors and technology. No doubt about it. The question is simply how long will it take legislators to catch up with rules and regs that don't make it difficult (or illegal) for carriers/agents to adopt all of these technologies.
Ashley/Jeff-While I understand your thoughts I vehemently. Stock certificates are gone and driver ID cards are heading south. There is a start-up that is moving to replace/eliminate all paper certificates/proof of insurance for commercial lines industry wide.
I think Ashley is is right - our legislators and regulators are the underlying problem. The more we move to esign and online forms that can store data and allow that data to be active/updated, the more we can drive our industry away from paper, in all its forms!
Until or unless federal and state statutes are changed, the insurance industry and the healthcare industry are stuck with paper forms