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The California Fair Claims Settlement Practices Regulations and The California SIU Regulations To assist the insurance industry in its efforts to avoid the tort of bad faith Barry Zalma, Esq., CFE, an insurance coverage and claims consultant, has created a library of insurance claims books and internet based training programs to make it possible for insurers to develop a claims staff of insurance claims professionals. Insurance is a business of utmost good faith. Each party…
Regular Use of an Auto Excluded if Not Listed on Declarations People who buy auto insurance often try to save money by not identifying all vehicles owned and operated by the insureds. When a pick-up truck used mostly for farming operations and – as a result – not often on public roads was not listed on the policy even though regularly used by the insured and his son it ran afoul of an exclusion for…
Regular Use of an Auto Excluded if Not Listed on Declarations People who buy auto insurance often try to save money by not identifying all vehicles owned and operated by the insureds. When a pick-up truck used mostly for farming operations and – as a result – not often on public roads was not listed on the policy even though regularly used by the insured and his son it ran afoul of an exclusion for…
“The Compact Book on Adjusting Property Claims – Second Edition” & “The Compact Book on Adjusting Liability Claims – Second Edition” To assist the insurance industry in its efforts to avoid the tort of bad faith Barry Zalma, Esq., CFE, an insurance coverage and claims consultant, has created a library of insurance claims books and internet based training programs to make it possible for insurers to develop a claims staff of insurance claims professionals. Insurance…
Need for Money from Insurer Does Not Create Coverage Insurance does not, as I have said until I was blue in the face, does not cover every possible problem. When an insurer denies coverage the policyholder without coverage will try to save money by convincing the plaintiff to let the policyholder go free in exchange for an assignment of a claim against an insurer where punitive damages might allow it to become rich. In Schnabel…
Insurance Fraud & Weapons to Defeat Fraud and The Law of Unintended Consequences and the Tort of Bad Faith To assist the insurance industry in its efforts to avoid the tort of bad faith Barry Zalma, Esq., CFE, an insurance coverage and claims consultant, has created a library of insurance claims books and internet based training programs to make it possible for insurers to develop a claims staff of insurance claims professionals. Insurance is a…
Insurance Fraud & Weapons to Defeat Fraud and The Law of Unintended Consequences and the Tort of Bad Faith To assist the insurance industry in its efforts to avoid the tort of bad faith Barry Zalma, Esq., CFE, an insurance coverage and claims consultant, has created a library of insurance claims books and internet based training programs to make it possible for insurers to develop a claims staff of insurance claims professionals. Insurance is a…
 Zalma’s Insurance Fraud Letter     Guilty of Insurance Fraud by Claiming Loss that Happened Before Policy Inception  Zalma’s Insurance Fraud Letter, Volume 23, No. 14    Some of the articles you can read in this issue of ZIFL follow:  The Current Issue Contains the Following: Guilty of Insurance Fraud by Claiming Loss that Happened Before Policy Inception A Kettle of Rotten Fish British Ban Insurance Broker for Seven Years Good News from…
The Homeowners Policy, Construction Defects and Insurance, and Mold Claims To assist the insurance industry in its efforts to avoid the tort of bad faith Barry Zalma, Esq., CFE, an insurance coverage and claims consultant, has created a library of insurance claims books and internet based training programs to make it possible for insurers to develop a claims staff of insurance claims professionals. Insurance is a business of utmost good faith. Each party to the…
Claiming Loss that Happened Before Policy Inception Date is Fraud Insurance only applies to a fortuitous event that occurs while the insurance policy is in effect. If a policy is purchased after an accident causing damage to a vehicle a claim presented saying the loss occurred after the effective date of the policy, is a fraud. In Mohamad Saleh Awad v. The State of Texas, NO. 14-18-00250-CR, State of Texas in the Fourteenth Court of…