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 staff to become professional in insurance claims.
The law on unintended consequences and the damage of bad faith
The concept of unintended consequences is one of the building blocks of the economy. Adam Smith's "invisible hand", the most famous metaphor in the social sciences, is an example of a positive unintended consequence.
Most often, however, the law on unintended consequences highlights the perverse unexpected effects of legislation and regulation. In 1692, the English philosopher John Locke, a forerunner of modern economists, called for the defeat of a parliamentary bill aimed at lowering the maximum allowable interest rate from 6 percent to 4 percent. Insurance is controlled by the courts, through appeal decisions and by government agencies, through laws and regulations. Compliance with appeal decisions, statutes and ordinances – different in different states – is extremely difficult and expensive.
The insurance business is unfortunately subject to the law of unintended consequences as if it were on steroids.  Available as a paperback book
Available as a Kindle book
Insurance fraud – Volume I and Volume II
In two volumes
Insurance fraud continuously takes more money each year than it did last year from the insurance purchase public. No one knows the actual amount with 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 each year.
Insurers and government-backed pseudo-insurance companies can only estimate the extent to which they lose for fraudulent claims. The lack of adequate investigation and prosecution of insurance offenders is endemic. Most insurance frauds are not detected. Those who are discovered do so
because they became greedy, careless and unprofessional so that the attempted fraud becomes so obvious that it cannot be ignored. fraud. Anyone who has looked at the question knows – whether they are based on their heart, their gut or the empirical facts established by convictions for insurance fraud offenses – that the number is huge. The amount of insurance fraud reduces the number of claims to the insurers and the pseudo-state or financed insurers logarithmically. Since the appointment of Attorney General sessions, efforts to stop insurance fraud against Medicare and Medicaid have increased.
This book contains appeal decisions regarding insurance fraud from federal and state appellate courts across the country and full text for many insurances
for investigative units, state fraud investigators and insurance lawyers to become effective persons involved in the attempt to defeat or reduce the effect of insurance fraud.
Volume one available as a Kindle book and a paperback book.
Volume Two Available as a Kindle Book and a Pocket Book
© 2020 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to employment as an insurance consultant specializing in insurance coverage, insurance management, insurance infidelity 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 insurance companies and their claims staff to become insurance claims personnel.
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 / posts
Go to Barry Zalma on YouTube – https: // www. youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg/  Go to the insurance claims library – https://zalma.com/blog/insurance-claims-library/
to e-mail version of ZIFL ! –
Read the last two issues of ZIFL here. https://zalma.com/zalmas-insurance-fraud-letter-2/ Px19459005]  Go to the Barry Zalma, Inc. website here https://www.zalma.com/
Listen to my podcast, Zalma on Insurance, on:
https://podcasts.google.com/?q=zalma%20on%20insuranceZalma on Insurance –