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“Insurance Fraud – Volume I & Volume II Other insurance books by Barry Zalma available at https://zalma.com/blog/insurance-claims-library/ In Two Volumes Insurance fraud continually takes more money each year than it did the last from the insurance buying public. No one knows the actual amount with any certainty because most attempts at insurance fraud succeed. Estimates of the extent of insurance fraud in the United States range from $87 billion to more than $300 billion every…
The Ethical Practice of Law Read the full article and more than 2900 posts at https://zalma.com/blog and For Mr. Zalma’s other insurance books go to https://zalma.com/blog/insurance-claims-library/. This article is adapted from my new book The Little Book on Ethics for the American Lawyer now Available as a Kindle book here and Available as a paperback here.  The Lawyer Must be Ethical The practice of law demands more than knowledge of statutory and case law.…
Books for the Insurance Professional or Buyer Find these and other insurance books by Barry Zalma at https://zalma.com/blog/insurance-claims-library/Construction Defects and Insurance” Barry Zalma has updated and re-edited his seminal work Construction Defects Coverage Guide into is the latest addition to Barry Zalma’s insurance claims series of books and articles that will form the most thorough, up-to-date, expert-authored insurance claims guide available today eight Kindle or Paperback Volumes at reasonable prices. Thorough, yet practical, this series…
Sex with a 12-Year-Old is a Crime of Moral Turpitude Per Se Lawyers are, by definition, required to be ethical in their dealings with clients, adversaries and in their life outside the law. The best and most effective way for a lawyer to be disbarred is to be convicted of a crime of moral turpitude. In the Matter of: Justin Alan Torres, Respondent, A Suspended Member of the Bar of the District of Columbia Court…
The Compact Book of Adjusting Property Claims Second Edition A Primer For The First Party Property Claims Adjuster. Adapted from Barry Zalma’s book, in two volumes, “The Compact Book of Adjusting Property Claims – Second Edition” now available from Amazon.com Available as a Kindle book and Available as a paperback. Other insurance books by Barry Zalma are available at https://zalma.com/blog/insurance-claims-library/ The insurance adjuster is not mentioned in a policy of insurance. The obligation to…
Uberrimae Fidei – Utmost Good Faith Adapted from Barry Zalma’s book, in two volumes, “Insurance Fraud” now available from Amazon.com  with Volume One available as a Kindle book and a paperback. and Volume Two Available as a Kindle book and a paperback. Other insurance books by Barry Zalma are available at https://zalma.com/blog/insurance-claims-library/ Insurance adjusters and fraud investigators, like everyone else, can become frustrated. Every adjuster and fraud investigator have had “gut feelings” about…
Release of all Claims Defeats Bad Faith Suit First party property insurers seldom use a release of all claims to resolve a fire claim. The only time a release is used is when there is a serious dispute between the insurer and the insured and threats of extra-contractual litigation. For example if an insurer believes the insured committed fraud or attempted an arson for profit but has insufficient evidence to prove the fraud without years…
Everything Needed by the Insurance Claims Professional Over the last 51 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance f raud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals. “THE HOMEOWNERS INSURANCE POLICY”  HOW TO BUY AN APPROPRIATE HOMEOWNERS POLICY AND SUCCESSFULLY MAKE A CLAIM TO THE
Consent to Judgment – a Contract – not an Excess Judgment Liability insurers are in business to pay claims. When liability is clear and the injuries incurred by the claimant are severe an insurer will usually offer up the limits of its liability to the claimant. People who wish to turn a liability claim into a bad faith suit will often seek a settlement with the defendants, obtain a consent to judgment for millions of…
How to Negotiate a Settlement Adapted from my book, “The Compact Book on Adjusting Liability Claims, Second Edition, available at https://www.amazon.com/Compact-Adjusting-Liability-Claims-Second-ebook/dp/B07QBWGNWV/ref=sr_1_fkmr0_1?keywords=Compact+Book+on+Adjusting+Liability+claims&qid=1554469919&s=gateway&sr=8-1-fkmr0 https://zalma.com/blog/insurance-claims-library/ After the adjuster determines that coverage exists, that the insured is probably liable for causing bodily injury or property damage to a third person, the adjuster must negotiate a settlement with the claimant or his or her attorney. Just like the plaintiff’s attorney in a personal injury case, the insurance adjuster will investigate…