Ethics for insurance staff – second edition
How the association with good faith and fair handling requires ethical insurance representatives
Insurance is by definition a company of the utmost good faith. This means that both parties to the insurance contract must act fairly and in good faith towards each other and not do anything that will deprive the other of the benefits promised by the insurance contract.
Without the union of good faith and fair trade and ethical people working in the insurance industry who apply and comply with the union, insurance is impossible. One cannot act fairly and in good faith without being a person with a well-formed ethical compass.
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The implied union declares that no party to an insurance contract shall do anything to deprive the other of the benefits of the contract.
The implied agreement of good faith and fair trade entails obligations not only for claims from third parties but also for the insured. When the insurer unreasonably and in bad faith withholds the payment of its insured's liability, it is liable for damages. In order for the insurer to fulfill its obligation not to impair the insured's right to receive the benefits of the contract, it must again take into account at least as much the latter interests as it does for its own.
Since at least 1766, the insurance business is a company of utmost good faith, that is, each party to an insurance contract must treat each other ethically. The general duty of good faith and fair trade dealt with in every insurance policy requires a complete understanding of ethics and ethical conduct.
In every insurance contract, there is an implied contract of good faith and fair trade that neither party will do anything that will harm the other's right to benefit from the contract.
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The Little Book on Ethics for the American Lawyer
] (c) 2020 Bary Zalma
The practice in law requires more than knowledge of statutory and jurisprudence. It requires more than technical skill in nuts and bolts in legal practice. A lawyer is an official in the legal system whose conduct should comply with the requirements of the law, both in professional service to clients and in the lawyer's business and personal affairs.
Law requires that every lawyer treat every client, every opponent and the court ethically and in good faith.
The practice of law differs from other professions in that it requires the lawyer to act for his client, not for himself, only if the actions of the client are ethical and in good faith.
What is ethical behavior ?
The term ethical conduct refers to well-founded norms of right and wrong that prescribe what people should do, usually in terms of rights, obligations, societal benefit, justice or specific virtues, all of which are essential to the lawyer.
Ethics refers, for example, to the norms that impose reasonable obligations to refrain from murder, rape, theft, assault, robbery and fraud. Ethical standards also include those that suggest virtues of honesty, compassion, and loyalty.
There are assumed rights such as those described in the Declaration of Independence submitted to King George of England in 1776 who claimed: "We have these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain impossible rights, that among them are life, liberty and the pursuit of happiness. "The undeniable rights also include the right to life, the right to liberty from harm and the right to liberty. Such standards are adequate ethical standards because they are supported by consistent and well-founded reasons.
Ethics refers, for example, to the norms that impose reasonable obligations to refrain from murder, rape, theft, assault, slander and fraud. Ethical standards also include those that suggest virtues of honesty, compassion, and loyalty.
There are assumed rights such as those described in the Declaration of Independence submitted to King George of England in 1776 who claimed: "We have these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain impossible rights, that among them are life, liberty and the pursuit of happiness. "The undeniable rights also include the right to life, the right to liberty from harm and the right to liberty. Such standards are adequate standards of ethics because they are supported by consistent and well-founded reasons.
Ethics also refers to the study and development of one's standards of conduct.
Emotions, laws and social norms can deviate from what is ethical. It is necessary, especially for persons involved in the practice of law, to constantly examine their standards to ensure that they are reasonable and well-founded conduct that ethically treats a client, an opponent and the court with the utmost good faith.  There is no single answer to the question of what is the ethical behavior of a lawyer. Ethical behavior is subjective and fact-dependent.
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© 2020 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to working as an insurance consultant specializing in insurance coverage, handling insurance claims, cheating and insurance fraud almost equally for insurance 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 email@example.com.
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 insurance companies and their claims staff to become insurance claims personnel.
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