For the past 53 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims staff to become professional in insurance claims.
A tool available to insurers to thoroughly investigate claims and work to defeat fraud
A tool available to insurers who thoroughly investigate claims and work to defeat fraud.
The insurance survey under oath ("EUO") is a formal type of interview approved by an insurance contract. It is taken under the authority provided by the insurer's agreement, when he or she acquires an insurance policy, to submit to a condition in the insurance contract which compels the insured to appear and give a hard testimony at the request of the insurer. Failure to appear and testify is considered a violation of a material condition.
EUO is performed in front of a notary and a certified stenographer reporter who is present to take the oath to the interviewee. The reporter will record the entire conversation and prepare a transcript to be read, reviewed, corrected and signed by the witness under penalty of perjury or by an oath taken by a notary or judge.
EUO is a tool used only sparingly by US insurance companies. A professional insurer will only require an insured person to file an EUO when a thorough claim gives rise to questions:. On the application of coverage to the facts of the loss, the possibility of fraud being attempted, or to assist the insured in the obligation to prove to the insurer the cause and extent of the loss.
Although rarely used by the EUO, it is an important tool that insurers need when it comes to coverage, destruction of evidence needed to prove a compensable loss or the size of loss or evidence indicating the risk of a fraud attempt. The provisions of the EUO and legal measures in an insurance are circumstances that precede the insured's ability to bring an action, and that since the insured has not substantially complied with the terms of these provisions, the appropriate remedy is termination without affecting it. The insured's failure to meet these conditions does not prevent his ability to incur a cost of recovery, but only interrupts his ability to bring a suit until he has fully complied with these conditions.
Available as paperback here
HOW TO BUY A PERSONAL HOME OWNER POLICY AND HAPPY MAKE A CLAIM TO THE INSURER
Insurance is an agreement between an insurance applicant and an insurance company. It is obtained by contacting the insurer as a potential insured seeking insurance. The household policy is a specialized insurance policy that protects the homeowner against certain risks of loss of real and personal property in the home, the exposure that the insured faces to damage to a household employee and the insured's exposure to liability for bodily injury or third party property damage. The book explains how to purchase a policy for homeowners and how to collect any claims made against the homeowners insurer.
Paperback Book Kindle Book
© 2020 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to working as an insurance consultant specializing in insurance coverage, insurance claims management, fraud and insurance fraud almost equally for insurers and policyholders. He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance industry. He is available at http://www.zalma.com and firstname.lastname@example.org.
Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.
For the past 52 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims employees to become insurance claims personnel.
https://zalma.com/zalmas-insurance-fraud-letter-2/ Last read two issues of ZIFL here.
Go to Barry Zalma videos on Rumble.com at https://rumble.com/c/c-262921  Read posts from Barry Zalma at https://parler.com/ profile / Zalma / post
Listen to Podcast: Zalma om försäkring https://anchor.fm/dashboard/episodesZalma om försäkring
Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg/
Go to the Insurance Claims Library – https://zalma.com/blog/ Insurance -claims libraries /
https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkV7pkuOtkiv6oakpgK33CNlNAYW-WBlLCOZFtgvpSdcL7R-tsWKfMVqG6fEuvmM7Hh7gUEJ7yKOdgHDbGl_cGAU%3De-mail version of ZIFL, it is free! –