Barry Zalma, Esq., CFE, an insurance expert, has created a library of insurance damages and other materials to enable insurers and their claimants to become insurance officers.
For those who serve the insurance industry and its policyholders (whether they are lawyers, adjusters, claims management or public insurance adjusters), the ability to perform their duties in an appropriate manner and in good faith is indispensable for the retention of insurance professionalism.
The Books: The Compact Compensation Book Settlement Book – Second Edition, California Fair Claims Claims Settlement, California SIU Regulations, Insurance Professional Ethics, Negligence Statement, and Ed Examination Need a Home in Every Law Firm , every insurance company. each independent adjustment holder and the office of each state insurance company.
Barry Zalma's insurance protection library will provide significant resources and will go a long way in creating an insurance officer. The books below are a small taste of the insurance and insurance application books written by Barry Zalma and available at amazon.com and at http://zalma.com/blog/insurance-claims-library/
Summer of the books Available to create or maintain insurance professionalism includes:
A Liability Guideline Adjustment Manual
This Compact Damage Adjustment Book is designed to gives it the new adjustment is a basic foundation in what is needed to become a competent and effective insurance adjuster. It is also available as an update for the experienced adjuster.
The responsibility force teacher quickly learns that there is little difficulty with an applicant (the person claiming bodily injury or property damage against an insured person) if the claim is paid as required. The insured may be unhappy if the claimant's claim is paid as presented because most people do not think they were doing anything wrong or fearing an increase in premiums for later policies.
The adjuster must be prepared to anoint the insured's feelings, explain why in the law and the policy it was appropriate to pay the creditor and that the settlement is in the best interest of both the insured and the insurer the representative represents.
The adjuster knows and must be prepared to explain to an insured that if a claim is opposed or denied, the plaintiff will be unhappy, will likely be judged. If not settled immediately, the plaintiff's lawyers will claim the insured over the coal to prove that the insured is responsible for the damage. The disputes take time, effort and money to determine the extent of the damage and who is responsible for the damage. Failure to resolve immediately could cost the insured his or her reputation and will surely cost the insurer much more than the claim could have been resolved if it had been resolved before the plaintiff retained a lawyer.
Available as a Kindle book
A guide to policyholders, insurers and lawyers to properly investigate and adjust insurance claims
This book was designed to help insurance professionals doing business in the state of California. It will help all insurance professionals, professionals, independent insurance adjusters, special fraud fighters, private insurance industry investigators, industry leaders, lawyers serving the industry, policyholders, policyholders, and policyholders who work with insurers doing business in California. . All insurers doing business in California must comply with the requirements of the regulations or deal with, and attempt to penalize, the CDOI. That punishment is now dubious and limited because some brave insurers fought CDOI and succeeded before an administrative court judge who limited the right to punish. Regardless of difficulties in judging punishment, California in California requires that all those involved in the claim process – even if only tangentially – should be trained in liability management in accordance with the regulations and certify that this training has been completed under oath. In order to avoid the annual training, the claimant can submit a sworn document that he or she has read and understood the regulations. Reviewing this book and the regulations below should be sufficient to meet the educational requirements of the regulations. It is necessary that insurance personnel engaged in any way in the presentation, processing or negotiation of insurance claims in California are familiar with the regulations. Advisors for insurers and policyholders should also be familiar with the regulations as they set a minimum standard for requirements management in the state.
Available as a Kindle book.
Available as a Paperback
California SIU Regulations are designed to help California Insurance Personnel, Professionals, Independent Insurance Adjusters, Special Fraud Fighters, Private Investigators Working for The insurance industry, industry management, industry attorneys, and all integral California counter-fraud agents recognized insurers to comply with the California SIU Claims Regulations.
According to law, the state of California requires all insurers to maintain a Special Investigative Unit (an "SIU") that meets the requirements of the Special Inves Tigive Unit Regulations ("SIU Regulations") and to train all integrated anti-fraud personnel to recognize insurance fraud indicators.
Available as Kindle Book.
Available as paperback.
Methods for insurers and their staff to act with the utmost good faith
Ethics is a process for systematically applying, using, defending and recommending concepts of right and wrong behavior. Ethical behavior is required by both parties to an insurance contract for the system to work. Ethics is the core of the insurance. Ethical behavior is required by both parties to an insurance contract for the system to work. If any party to the insurance contract appears to be unethical, the insurance ability can function effectively and profitably fail. Ethics is the core of the insurance. Since the insurance was first created, it has been a business of utmost good faith. The result is that the insured and the insurer are expected to treat each other ethically.
Available as paper.
Termination is a fair remedy as old as Britain's common law. When the United States was conceived in 1776, the founders were concerned about protecting their rights under British common law. They assumed what the law of the new United States of America modified only by the constraints imposed by the state through the US Constitution approved in 1789. Profitability and the ability to enforce contracts were recognized as necessary for trade. Courts were required to execute legitimate contracts. Courts of law were obliged to protect contractors from mistakes, fraud, misrepresentation and concealment because it was not fair to maintain a contract based on error, fraud, misrepresentation or concealment. Common law developed rules that the courts could follow to refuse to enforce the terms of a contract made on the basis of mutual error of material fact, a one-sided mistake of material fact, breach of the guarantee (a prospective material promise to do or not to do), a material hide, or a substantial distortion. Aided – called revocation – created a method of applying justice to the insurance contract and letting an insurer terminate a contract and allowing courts to refuse to execute such contract concluded by misrepresentation or concealment of essential facts.
Available as paperback.
Available as a Kindle book.
The insurance Examination under oath ("EUO") is a formal interview that is authorized by an insurance contract. It is taken under the authority provided by a condition of the insurance contract that forces the insured to occur and responds to the insurer's request or finds his or her claim that he is being rejected for breach of a condition. A notary and a certified shorthand reporter is always present to give you the person interviewed and records the entire conversation.
Available as a Kindle book.
Available as a paperback.
Read about these and other insurance claims books by Barry Zalma at http://zalma.com/blog/insurance-claims-library/