Sitemap - 2022 - Excellence in Claims Handling
Zalma's Insurance Fraud Letter - January 1, 2023
Employee Can't Sue Employer for Negligence
Hero Can’t Convince Court to Change Policy to What he Needs
The Insured is Obligated to Read the Insurance Policy
Millions for Defense Not a Dime for Tribute
Failure to Read Policy Fatal to Insured’s Claim
Insurance Expert Available to Lecture Your Claims Personnel
Workers’ Compensation Benefits Don’t Solve Every Life Problem
Insurer Who Pays Jury Verdict has no Duty to Appeal
Help! My Building is Falling Down
Video 12 - Some Claims Personnel
Assault & Battery Limit Affirmed
Zalma’s Insurance Fraud Letter – December 15, 2022
Courts Must Read the Full Policy to Determine Coverage
UM & UIM Coverage are a Single Cover
Insured Must Reside at Dwelling
Only Insureds Entitled to Defense
Excellence in Claims Handling Video Number 11
Excellence in Claims Handling Video Number 10
Time and Expense of Failed Bad Faith Set Up
Zalma’s Insurance Fraud Letter – December 1, 2022
Excellence in Claims Handling Video Number 9
No Right to Sue Insurer for Fraud in Claims Handling
No Insurance Policy Covers Every Risk of Loss
Excellence in Claims Handling Video Number 8
Arson Requires Jail & Restitution
Claims Commandments - Claims Commandment XI
Sleep With Dogs You’ll Wake With Fleas
Zalma’s Insurance Fraud Letter – November 15, 2022
Appraisers Can't Determine Causation
Failure to Timely Sue Defeats Claim
No Need for Fiduciary Relationship Between Agent and Insured
Double Jeopardy Eliminates Extra Fraud Convictions Leaves One
Zalma's Insurance Fraud Letter - November 1, 2022
An ERISA Policy May be Rescinded
Plaintiffs’ and their Counsel’s Bad Faith Defeats Suit Against Insurer
Pointing a Gun at a Person is not an Accident
← How To Defeat or Deter Insurance Fraud SLOTH IN LITIGATION FATAL TO CASE
Insurers Must be Proactive Against Insurance Fraud
Plaintiff Only Gets One Bite at the Apple
Insurers Should Not Sue Each Other
I Am Honored to Speak at the 44th Anti-Fraud Conference in Palm Springs
Excellence in Claims Handling Video Number 8
Excellence in Claims Handling Video Number 7
Clear & Unambiguous Exclusion Effective
No Duty to Defend or Indemnify Intentional Acts or Person not Insured
Sanctions Against Lawyer Suing Broker Affirmed
137 Years in Prison for Insurance Fraud & Arson
Zalma's Insurance Fraud Letter - 10-15-2022
Insurer Awarded Damages For Fraud
How to Add to the Professionalism of Insurance Personnel
Insurance Coverage Dispute Alone Not Bad Faith
Taking Assignment Against Insurance is a Loser
The Compact Book on Ethics for the Insurance Professional
FIREARMS EXCLUSION ELIMINATES COVERAGE
Hospital Imprisons Patients for Profit
Insurer Can’t Prove Fraudulent Intent on Summary Judgment
GEICO v. Fraudulent Health Care Providers
October 1, 1979 – 2022 Another Anniversary
It is Best to Buy Your Own UM/UIM Cover
Zalma’s Insurance Fraud Letter – October 1, 2022
Prosecutors Allow Arson-for-Profit to Succeed
Insurer Proactive Against Fraud
Duty to Defend is Exceptionally Broad
New York Court Slaps Insurers Who Subrogated Against Their Own Insureds
Asbestos Plaintiffs Ran Out of Viable Insurers
Plaintiff Must Prove General Business Practice to Get Bad Faith Damages
Federal Insurance Company Regrets Agreement to Pay Insured and Resolve Coverage Dispute Later
Zalma's Insurance Fraud Letter - September 15, 2022
Excellence in Claims Handling Video Number 6
General Contractor Has No Standing to Allege Insurance Fraud
STOLI Fraud Victims & Return of Premium
It’s Time to Quit Trying to Get Business Interruption Payments from Insurers for Covid
FLOOD EXCLUSION APPLIES TO DEFEAT CLAIM
When Insured Withdraws Claim No Need to Sue for Declaratory Relief
Fake Claim, Fake Experts, Claims Fail
Making Sick Horse Well is not a Breach of Horse Mortality Policy
Zalma’s Insurance Fraud Letter – September 1, 2022
360 Months in Federal Prison Not Enough
A Five-Year Lease is not Temporary
When Insurer Let’s Insured Unilaterally Choose Additional Insureds it has no Standing to Complain
Surveillance Establishes Fraud Defense
Duty to Defend is not Unlimited
It’s Not Nice to Lie in a Pleading
When Insurer Refuses Defense Fees Incurred by Insured Are Presumed to be Reasonable & Necessary
Excellence in Claims Handling Video Number 3
No Contract Without Offer & Acceptance
Advice For New and Aspiring Adjusters
Zalma’s Insurance Fraud Letter August 15, 2022
Magistrate Contends Fortuity Defense can be Waived
Rescission Does Not Defeat Negligence Claim
Waiver of UIM Coverage is Effective
Waiver of UIM Coverage is Effective
Michigan Requires Suit Before Duty to Settle
Excellence in Claims Handling, Video Number 2
Join the Zalma on Insurance Community
Vaccination Eliminates Compassionate Release from Jail
Zalma’s Insurance Fraud Letter – August 1, 2022
Convicted of Wire & Insurance Fraud
Intending Harm Caused is not Insurable
An Undisclosed Intent Cannot Create Coverage
Insurers Must Comply With SIU and Claims Regulations by September
Insurance Agent Should not Sell Unregistered Securities
Fairly Debatable Claim Defeats Bad Faith Amendment
DEMURRER IS IMPROPER IF ALLEGATIONS OF COMPLAINT IS SUFFICIENT TO STATE A CAUSE OF ACTION
Zalma’s Insurance Fraud Letter July 15, 2022
Guilty of Using Stolen Prescription Pad to Obtain Oxycodone
Video Proves Excluded Intentional Act
Insurer Must Always Demand Restitution of All Expenses Incurred to Avoid an Insurance Fraud
Stacking Claim Properly Denied Because of Waiver
Excellence in Claims Handling at Locals.com
Chutzpah: Admit Fraud & Claims Fraud Exclusion Ambiguous
Criminal Lawyer Should be Disbarred
Workers’ Compensation Fraudster Settles Exposure & Finds Failure to Pay is Expensive
Zalma’s Insurance Fraud Letter – July 1, 2022
A Sample of What Will Be Available to Subscribers
Umbrella Insurance is Only Obligated After Underlying Insurance is Exhausted
Assignment of Claim Against Insurer After Release Signed by Insured is Worthless
The Problem With Blindly Changing Insurers
Insurance Videos to Help Provide Excellence in Claims Handling: Only on Locals
The Insured is Presumed to Know What His Policy Insures
Intentional Act Exclusion Defeats Claim for Defense & Indemnity
Chutzpah: Murder for Insurance Money Life Sentences Affirmed
A Policy Rescinded Never Existed
Zalma on Insurance & Excellence in Claims Handling
The Equitable Remedy of Rescission of Insurance
Convicted of Fraud & Theft Enough for Disbarment
Failure to Ask for Defense Eliminates Coverage Until Insured Asks
Provider to PIP Insured not a Party to Contract
Excellence in Claims Handling - 3
Zalma’s Insurance Fraud Letter – June 15, 2022
Explaining Reasonable Conduct of Insurer
Reporting on an Accusation of Insurance Fraud Results in Defamation Suit
The Effect of the Tort of Bad Faith in the USA
Fairly Debatable or Genuine Dispute Defenses to Bad Faith
Denial of Liability is not a Denial of Insurance Coverage
Two Insurers Protected the Insured and Resolved the Coverage Dispute Later
Pennsylvania Requires Court to Announce a Convicted Defendant’s Recidivism Risk Reduction Incentive
Damages for Breach of an Insurance Policy
An Occurrence Can Include The Unintended Physical Damage Caused By Intentional Development Activity
Zalma’s Insurance Fraud Letter – June 1, 2022
The Law of Unintended Consequences & Insurance
No Good Deed Goes Unpunished: Insurance Coverage Cannot be Created by Estoppel
True Crime of Insurance Fraud Video Number 81
Health Insurance Fraud Convict Appeals Again
True Crime of Insurance Fraud Video Number 80
Estoppel Cannot Create Insurance Coverage
New Book: "California Fair Claims Settlement Practices Regulations 2022" Now Available
True Crime Videos of Insurance Fraud Video Number 79
Lawyer Appointed by Insurer had a Duty of Zealous Representation
True Crime of Insurance Fraud Video Number 78
Judgment Debtor Can Sue Indigent Defendant’s Insurer
True Crime of Insurance Fraud Video Number 77
Named Peril Policy Only Covers What it Agrees to Cover
True Crime of Insurance Fraud Video Number 76
Statute of Limitations Defeats Equal Protection Claim
True Crime of Insurance Fraud Video Number 75
Coverage Cannot Be Created by Arguing Waiver or Estoppel
True Crime of Insurance Fraud Video Number 74
Lack of Covered Concurrent Cause Defeats Concurrent Cause Argument
ZALMA'S INSURANCE FRAUD LETTER MAY 15, 2022
New Books on Insurance Issues from Barry Zalma
True Crime of Insurance Fraud Video Number 73
Never Settle a Proactive Suit Against Fraudsters
True Crime of Insurance Fraud Video Number 72
Convicted Fraudster Frivolously Keeps Trying to Avoid Jail
True Crime of Insurance Fraud Video Number 71
Homeowners Policy Provides no Cover for Killing Child by Leaving her in a Hot Car
True Crime of Insurance Fraud Video Number 70
Occurrence After Expiration of Policy Not Covered
True Crime of Insurance Fraud Video Number 69
Crossing a State Line to Present a Fraudulent Claim Doesn’t Work
True Crime of Insurance Fraud Video Number 68
True Crime of Insurance Fraud Video Number 67
Doctor Who Defrauded Health Insurers Tried to Back out of Plea Deal
Self-Insured-Retention Must be Fulfilled for Each Occurrence
Insurance in The United States
True Crime of Insurance Fraud Video Number 65
You Only Get the Insurance You Ask For
Zalma’s Insurance Fraud Letter – May 1, 2022
True Crime of Insurance Fraud Video Number 64
Insured Ignores Conditions & Loses
True Crime of Insurance Fraud Video Number 63
IT’S TIME TO STOP TRYING TO FORCE INSURERS TO PAY FOR COVID SHUT DOWN LOSSES
True Crime of Insurance Fraud Video Number 62
You Only Get What You Pay For – No UIM Cover No Benefits
True Crime of Insurance Fraud Video No. 61
No Liability Insurance Coverage for Wilful & Intentional Conduct by Insured
Go to Jail, Go Directly to Jail, Do Not Pass Go
True Crime of Insurance Fraud Video Number 60
Chutzpah by Insurance Criminal is Unmitigated
True Crime of Insurance Fraud Video Number 59
Virginia Supreme Court Finds ATV is a Multi-Use Vehicle
True Crime of Insurance Fraud Video Number 58
Belated Request for New Trial Years After Convicted of Health Insurance Fraud
True Crime of Insurance Fraud Video Number 57
Intentional Acts Can Never be an Occurrence
True Crime of Insurance Fraud Video Number 56
New Book That Explains How to Defeat or Deter Insurance Fraud
Zalma's Insurance Fraud Letter Volume 26, Issue 8
I’m Going into the Insurance Business
The Insurance Frauds Prevention Act Protects and Cannot be Used to Punish Insurers
True Crime of Insurance Fraud Video Number 54
Litigant who Represents Himself has an Idiot for a Client
Medicaid Paid Benefits to the Dead: Incompetence or Fraud or Both
The Duty to Defend is Great but it is not Unlimited
True Crime of Insurance Fraud Video Number 52
Arson-For-Profit Fails & Guilt Established
Subrogating Insurer Has No More Rights than the Insured
True Crime of Insurance Fraud Video Number 50
Failure to Pay Premium Defeats Claim
New Insurance Book: “The Examination Under Oath to Resolve Insurance Claims”
True Crime of Insurance Fraud Video Number 49
New York Refuses Bad Faith Case When Breach of Contract is Pleaded
True Crime of Insurance Fraud Video Number 48
A Lie About Where a Car is Garaged May Save Premium But Defeated UM Claim
True Crime of Insurance Fraud Video Number 47
No Good Deed Goes Unpunished: Appraiser Working on a Contingency Fee not Impartial
Zalma’s Insurance Fraud Letter April 1, 2022
True Crime of Insurance Fraud Video Number 46
A Contract is Made by Action Even if Signed After Termination
True Crime of Insurance Fraud Video Number 45
An Unhappy Insured is Not Evidence of Bad Faith
True Crime of Insurance Fraud Video Number 44
Settlement of Fraud Suit Does Not Allow Doc to Sue Insurers
Why Honest People Commit Fraud Without Compunction
An Adjuster is not a Party to a Contract of Insurance
There are now 396 Insurance Claims Law Videos
True Crime of Insurance Fraud Video Number 42
Lawyers Claim for Indemnification Under Retainer Agreement Must be Arbitrated
True Crime of Insurance Fraud Video Number 41
Insurance Contract Dispute Is Not Bad Faith
Insurance Fraud – Volume I & Volume II Second Edition, Updated and Improved
True Crime of Insurance Fraud Number 40
It’s Not Nice to Claim One Fact to One Judge and Another to the Next
Free Insurance Law & True Crime of Insurance Fraud Videos Available
True Crime of Insurance Fraud Video Number 39
Don’t Take “The Fifth” When Your Insurer Asks For An Examination Under Oath
Ninth Circuit Sees the Obvious: Landslide is Earth Movement
All Terms of Settlement Offer Must be Accepted to be Enforceable
Russian Immigrant Who was Convicted of Fraud Must Leave the U.S.
Zalma’s Insurance Fraud Letter – March 15, 2022
Insurer is Obligated to Report Fraud to the IFB
How Insurance Fraud Destroyed a Family
“Insurance Fraud Volume I” Second Edition
Man Bites Dog Story: Insurer Sues Insured for Fraud
Arson for Profit Proved by Circumstantial Evidence
Tort Victim Not a Beneficiary of a Mortgage Requiring Borrower to Buy Insurance
Insurance Fraud as a Means to Avoid Poverty
No Coverage for Loss Before Retroactive Date
Wrongful Conduct Exclusion Only Applies to Cases Where Nassar was Convicted
True Crime Stories of Insurance Fraud Number 29
No Harm No Foul – Lack of Damages Defeats Suit Against Broker
True Crime Stories of Insurance Fraud Number 28
Agent Insured May Not Avoid Fraud Defense
True Crime Stories of Insurance Fraud Number 27
Who’s on First? Employer’s Insurer While Driving Home
Zalma’s Insurance Fraud Letter March 1, 2022
True Crime Stories of Insurance Fraud Number 26
GEICO Proactive in Fight Against Millions of Dollars of Fraudulent No Fault Claims
All Eight Volumes of the Second Edition of Construction Defects and Insurance Now Available
False Swearing About ALE Defeats Entire Claim
Insurance Fraud Designed to Protect Gangsters
Exception to an Exclusion Does Not Create Coverage for a Non-Insured
True Crime & Insurance Fraud Number 22
Sovereign Immunity Limits Liability of Governmental Entity
Thorough Investigation Defeats Fraud
Construction Defects and Insurance Volume 7 Second Edition Now Available
Wisconsin Supreme Court Reads Entire Statute to Interpret UM Issue
Zalma’s Insurance Fraud Letter February 15, 2022
Help: My House is Falling Into the Sea - A Fraud Attempt that Failed
Failure to Fulfill Material Condition Defeats Claim for Defense or Indemnity
Issuance of an "Additional Insured Endorsement" Makes Policy Primary
Zalma on Insurance Claims – Second & Third Edition
Who’s Cheating Whom? Insurance Fraud Hurts Fraudster
Clear & Unambiguous Exclusion Must Be Enforced
Go Directly to Jail, Do Not Pass Go
Buyer’s Remorse: Motion to Amend to Claim to Assert Bad Faith After Accepting Settlement Fails
Insurance Videos Available at Rumble.com
True Crime Stories of Insurance Fraud – Number 12
Mutual Rescission May be Eliminated by a Balance of Equities
True Crime Stories of Insurance Fraud Number Eleven
Insurance is a Contract of Personal Indemnity
True Crime Stories from an Insurance Fraud Expert
Fraud by Licensed Paramedic & Criminal Conduct Can Result in Removal of License
Zalma's Insurance Fraud Letter February 1, 2022
True Crime of Insurance Fraud Number Nine
They Keep Trying but: Covid Shut-Downs of Business not “Direct Physical Loss”
Body Shop May Not Force Insurer to Pay for Repairs not Performed
“Construction Defects And Insurance Volume Five Second Edition”
True Crime Stories of Insurance Fraud Number 7
Deepwater Horizon Litigation Continues to Resolve Insurance Issues
True Crime Videos About Insurance Fraud Number 6
Declaratory Relief Action Does not Impinge on State Court Tort Action
A True Crime Story of Insurance Fraud
Public Policy & No Insurance Defeats Negligence Claim
A True Crime Story of Insurance Fraud
Awareness of an Alleged Injury is not Enough to Constitute a Claim
True Crime Stories of Insurance Fraud
Insurance is a Contract of Personal Indemnity
An Experienced Adjuster Would Have Recognized That a Jeweler’s Inventory Exists to be Sold
Treble Damages are Punitive & Excluded by Policy
True Crime Stories About How Insurance Fraud Costs Everyone
Injured While Abating Asbestos Clearly Excluded
Zalma's Insurance Fraud Letter January 15, 2022
Supreme Court of Delaware Applies Policy as Written
Guilty Verdict Stands for Failure to Preserve Issue for Appeal
Insurance Fraud Conviction Affirmed
Forced Placed Insurance only Insured the Risk Faced by the Lender
Federal Court Retains Jurisdiction of Rescission Case
Construction Defects and Insurance Volume Three Second Edition
It Doesn't Pay to Lie to Your Insurer
EVIDENCE REQUIRED TO SUPPORT MALICIOUS PROSECUTION AGAINST POLICE
Contract Provides Effective Transfer of Risk
Insurance Education from Barry Zalma
Excellence in Claims Handling – A Video Series