Special Publications from Barry Zalma, Esq., CFE

Barry Zalma has created on Locals.com and substack.com a series of training materials for insurance, most of which are free for everyone. The free material includes more than 415 videos and more than 4,150 summaries of the latest opinions from the Court of Appeal and more than 59 videos dealing with true crime stories about insurance fraud.

In addition to the free material, for a paid subscription to either Locals.com or substack.com, you can get important, more detailed and informative information needed by anyone interested in insurance, insurance claims or insurance fraud.

The special material includes at least the following topics in addition to the more than 415 videos and free material:

• Liability insurance.
• Property insurance is a personal indemnity agreement.
• What is insurance?
• Insurance training part I, a video training program.
• Excellent in claim management of a video training program.
• Ethics and IME.
• Arson and fraud by the spouse invalidate the entire policy
• If an insurer wants to defeat coverage, it should gather compelling evidence
• To defeat insurance claims, the insurer must collect convincing evidence.
• A postal inspector guilty of insurance fraud
• The Excellence in Claims Management program
• New material is added every month in text or video format.

To access the special material, you can Subscribe to Zalma on Insurance at locals.com https://zalmaoninsurance.local.com/subscribe.

To access the special material, you can subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.

Zalma on insurance at Locals.com

The Locals.com community is called Zalma about insurance and is a community created by Barry Zalma, Esq., CFE and ClaimSchool, Inc. to help create a community of insurance professionals dedicated to excellence in claims management.

Zalma on Insurance will provide materials on insurance, insurance claims, insurance legislation and insurance fraud. Some materials presented will be free and there will be special publications for subscribers.

A source for the insurance indemnity person to become a professional insurance claimant who can provide excellence in claims management to the general public for insurers.

Become a professional claims manager

In the pursuit of profit, insurance companies have decimated their professional claims personnel. They laid off experienced staff and replaced them with young, untrained, unprepared people. A virtual clerk replaced the old professional claims manager. Process and computers replaced practical human skill, empathy and judgment. Money was saved by paying lower wages. Within three months of firing the experienced claims, people’s gross profit increased.

The promises made by an insurance are kept by the professional claimant. It is cost-effective for long periods of time to have a professional complaint staff dedicated to excellence in claims handling. A professional and experienced adjuster will save the insurer millions by resolving disputes, paying claims quickly and fairly, and thus avoiding litigation.

The professional tortfeasor is an important part of the insurer’s defense against litigation from the insured against insurers for breach of contract and bad faith. Non-life professionals solve more claims for less money without either party having to involve a lawyer. A happy insured or injured party who is happy with the outcome of his or her claim will never sue the insurer.

Incompetent or insufficient claims staff force insured and injured parties to public insurance adjusters and lawyers. Each investigation carried out on a claim for damages establishes that claims with an insured or injured party represented by a representative cost more to settle than those where a representative is not involved. Fast, efficient and professional claims management saves money for both the insured and the insurer and fulfills the promises made when the insurer sold the insurance.

Insurers who believe they can handle first or third party claims with young, cheap, inexperienced and untrained claims managers should be blamed by angry shareholders whose dividends have plummeted or will fall as a result. When an insurer compromises with staff, profits, no matter how thin they may have been in the past, will quickly end up in negative territory. Damages and punitive damages will drain the reserves. Insurance companies will quickly question why they write insurance. Those who remain in the insurance industry will either adopt a program that requires excellence in claims management from each member of their claims staff, or they will fail.

Insurance is a company. It must change – this time for the better – if it is to survive. It must reconsider the dismissal of experienced claimants and reductions in training to save “costs”. Insurers should, if they want to succeed, adopt a program to promote excellence in claims management that can help insurers keep the promises made in insurance and avoid accusations of breach of contract and damages in bad faith in both first and third party claims.

Insurers must understand that they can not adequately fulfill the promises they make to their insured and their obligations under fair claims procedures without a professional, well-trained and experienced claims staff. An insurer must work vigorously and intelligently to create a professional claims department or realize that it will lose its market and all hope of profit.

An insurer whose claims staff consists of people who are less than professional will be the subject of several cases of expensive, counterproductive litigation.

Excellent complaint handling on substack.com

A program for creating insurance mates, including an hour-long video training program, text material for insurance teams and comments on insurance claims.

(c) 2022 Barry Zalma & ClaimSchool, Inc.

Barry Zalma, Esq., CFE, now limits his internship to the position of insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He practiced law in California for more than 44 years as a lawyer for insurance coverage and claims management and more than 54 years in the insurance industry. He is available at http://www.zalma.com and zalma@zalma.com.

Subscribe to Zalma on Insurance at locals.com https://zalmaoninsurance.local.com/subscribe.

Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.