Category Archives: Zalma on Insurance

insurance, insurance coverage, insurance claims, insurance bad faith, claims, investigation, fraud.

Insurance Claims Library

Everything Needed by the Insurance Claims Professional Every insurance claim requires that the representatives of the insurer deal fairly and in good faith with the insured. To do so each insurance claims person needs to provide the services promised by … Continue reading

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The Principal Location of the Insured Risk Governs Coverage

Violation of an Intellectual Property Law or Right is Not Covered Defamation Various states apply the law interpreting insurance contracts differently. Some apply coverage decisions to the four corners of the policy and the four corners of the suit while … Continue reading

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If You Want a Staff of Insurance Claims Professionals go to The Insurance Claims Library

Everything Needed by the Insurance Claims Professional Every insurance claim requires that the representatives of the insurer deal fairly and in good faith with the insured. To do so each insurance claims person needs to provide the services promised by … Continue reading

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Insurance Fraud Takes Many Different Forms

Falsely Promising a Customer That a Shipment is Insured Is Criminal Insurance fraud is usually a crime by an individual against an insurer. However, since insurance fraud seems to be ubiquitous, it can also be an insurance fraud act to … Continue reading

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How to Create a Staff of Professional Insurance Claims Handlers

Everything Needed by the Insurance Claims Professional Every insurance claim requires that the representatives of the insurer deal fairly and in good faith with the insured. To do so each insurance claims person needs to provide the services promised by … Continue reading

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Insurance is Essential Condition to a Lease

Summary Judgment for Landlord Appropriate Almost, if not every, commercial lease contains a requirement that the tenant acquire insurance protecting the property and liability interests of the landlord. Failure to fulfill the condition breaches the lease and allows the landlord … Continue reading

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How an Insurer Can Provide Good Faith & Fair Dealing to All Insureds

Insurance is a Service Business Every insurance claim requires that the representatives of the insurer deal fairly and in good faith with the insured. To do so each insurance claims person needs to provide the services promised by the policy … Continue reading

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Zalma’s Insurance Fraud Letter – January 15, 2019

  Zalma’s Insurance Fraud Letter   Fraud About Need for Health Insurance Results in Wire Fraud Conviction Zalma’s Insurance Fraud Letter, Volume 23, No. 2 Fraud About Need for Health Insurance Results in Wire Fraud Conviction In United States of America … Continue reading

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How to Create a Staff of Insurance Claims Professionals

Everything Needed by the Insurance Claims Professional Over the last 51 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials … Continue reading

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Purchase of Insurance is a Waiver of Sovereign Immunity

Ambiguous Policy Wording Construed Against the Drafter Cities, and other governmental entities are protected by the doctrine of sovereign immunity from suits for its negligence unless it actually waives the immunity. One way a city can waive its sovereign immunity … Continue reading

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How to Create A Staff of Insurance Claims Professionals

The Insurance Claims Library Today there are more insurance jobs available than competent people to fill the jobs. The only solution to a need for competent and professional claims personnel is to train those you can hire even if they … Continue reading

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Love is Not Enough to Save Murderer from Jail

Avoiding Insurance Fraud Conviction Leads to Paramour’s Conviction for Murderer The mother of Orlandous Tyrone Jackett’s (Jackett) children, fearing prosecution for insurance fraud for the arson-for-profit scheme to destroy a vehicle he used while committing a murder, testified in his … Continue reading

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Hire Military Vets and Train Them

Insurance Professionals are Hard to Find Today there are more insurance jobs available than competent people to fill the jobs. The only solution to a need for competent and professional claims personnel is to train those you can hire even … Continue reading

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The Telephone Consumer Protection Act (TCPA) Exclusion

Insurance Company Has the Right to Enforce a Clear and Unambiguous Exclusion The Telephone Consumer Protection Act (TCPA) exposes a person or entity to excessive damages from every person with whom a communication was sent without the consumer’s consent. Insurers … Continue reading

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How to Overcome the Tight Employment Market by Training Your Personnel

Insurance Professionals are Hard to Find Today there are more insurance jobs available than competent people to fill the jobs. The only solution to a need for competent and professional claims personnel is to train those you can hire even … Continue reading

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Insurers Should Never Rely on Prosecutors to Defeat a Fraudulent Claim

Lawyers Accused of  Invasion of Privacy During Claims Investigation When investigating a potential arson for profit an insurance company lawyer will always, reasonably, ask for financial documents from the suspected insured to eliminate a poor financial situation as a motive … Continue reading

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Overcome the Tight Employment Market by Training Your Personnel

Insurance Professionals are Hard to Find Today there are more insurance jobs available than competent people to fill the jobs. The only solution to a need for competent and professional claims personnel is to train those you can hire even … Continue reading

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Trial Court’s Erroneous Instruction on Burden of Proof Requires New Trial

Insurer Has Burden to Prove Notice of Termination of Policy Was Mailed To properly cancel a policy of insurance it is necessary to mail the notice to the insured. If the policy allows for a grace period to pay premium … Continue reading

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Everything Needed by the Insurance Claims Professional

Insurance Claims Library Over the last 51 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created a library of books and other materials to make it possible for … Continue reading

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Occurrence & Aggregate Limits

Asbestos Claims & Analysis of “Occurrence” and “Aggregate Limits” Asbestos litigation is often multi-faceted and spread across locations, time, and policy periods. When claims are made the insurers try to limit their exposure to the occurrence and aggregate limits stated … Continue reading

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Everything Needed by the Insurance Claims Professional

How to Adjust Property & Liability Insurance Claims Over the last 51 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following two books and other materials … Continue reading

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Poor Choice – Insurer v. Insurer

“Any Contractor” Includes “All Contractors” I have warned against the problems raised when one insurer sues another without conducting a thorough analysis of the policy. Regardless, it keeps happening and often results in bad law for all insurers. Watch as … Continue reading

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Everything Needed by the Insurance Claims Professional

Fraud & the Tort of Bad Faith Over the last 51 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials … Continue reading

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Never Lie to An Insurance Company

Depriving an Insurer of its Subrogation Rights is Fatal to a UIM Claim It is axiomatic that an insurer – unless waived in writing – has a right to subrogate against a person responsible for the injuries that resulted in … Continue reading

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Construction Defects and Mold Claims

Books for the Insurance Claims Professional Over the last 51 years Barry Zalma has dedicated 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 … Continue reading

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Zalma’s Insurance Fraud Letter – January 1, 2018

A Reason to Do Away with the Tort of Bad Faith  Zalma’s Insurance Fraud Letter, Volume 23, No. 1 Happy New Year Catastrophes & Attempted Fraud Catastrophes, like hurricanes, bring out the best and worst of the U.S. public. The … Continue reading

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Everything Needed by the Insurance Claims Professional

New Journal Now Four Monthly Issues Over the last 51 years Barry Zalma has dedicated 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 … Continue reading

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Failure to Acquire Appropriate Insurance Costs Condo Management Company

Fees Incurred to Deal With Insurer’s Claim Requirements Not a Peril Insured Against Condominium associations are usually run by a committee of owners usually called the Board of Directors. The members of a condominium Board of Directors are lay people … Continue reading

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Everything Needed by the Insurance Claims Professional

COIL – Commentary on Insurance Law & More Over the last 51 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other … Continue reading

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ATV’s are Dangerous

Coverage for Operation of an ATV Limited People who operate all terrain vehicles forget they are motor vehicles and not toys. They are exciting and fun to use but when used negligently operators and passengers can be seriously injured. It … Continue reading

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Zalma on Insurance Claims

Ten Volumes Comprising A Comprehensive Group of Materials on Property & Casualty Insurance Claims Insurance claims professional and expert witness Kevin Quinley said about the following ten volumes: “Zalma’s series of books is a terrific blend of both the legal … Continue reading

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Insured is Obligated to Select Insurance Needed

Agent has no Duty to Advise Insurance Coverages Customer Needs Insurance agents are sales people. They sell people the insurance required by the person seeking insurance in accordance with the order placed by the person seeking insurance. Only when, for … Continue reading

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Start the New Year Right With Insurance Law Skills

New Books Full Court Press continues to publish expert secondary content. This time it’s a new collection of insurance law treatises from consultant, expert witness, arbitrator, and mediator Barry Zalma. Barry Zalma practiced law in California for more than 44 … Continue reading

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No Promised Central Station Alarm – No Theft Coverage

Promises Made Must be Kept for Coverage to Exist Insurance contracts require, for validity, that the parties to the contract keep the promises made when the policy was acquired. When a plaintiff promises – in order to obtain coverage for … Continue reading

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Insurance Fraud for Fun & Profit

Fictionalized True Insurance Crime Books Over the last 51 years I have been involved in efforts to defeat insurance fraud. During that career I have run into interesting people who attempted insurance fraud and were caught and many who attempted … Continue reading

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Ponzi Scheme by Insurance Agent Not the Obligation of the Insurers

Insurers Not Responsible for Non-Insurance Scheme of Agent Insurance agents are authorized by law to transact insurance with and on behalf of an insurer. They are not authorized to defraud customers under the guise of giving financial advice nor to … Continue reading

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Last Minute Gifts – Kindle Insurance Books

How to Fulfill The Covenant of Good Faith & Fair Dealing You can deliver perfect gifts for insurance professionals by e-mail by ordering Kindle books from Amazon. The books on the Fair Claims Settlement Practices Regulations, the SIU Regulations and … Continue reading

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Truly Genuine Dispute Defeats Bad Faith Claim

Double Recovery from Workers’ Compensation and UM Coverage Not Allowed It should be strange and unusual for a person who has a legitimate insurance claim to seek to recover more than available under the policy. Unfortunately, many people try to … Continue reading

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Insurance Adjuster: Give Yourself a Christmas Gift You Can Use

The Basics of Insurance Adjusting No one knows everything there is to know about insurance adjusting. Some know a great deal; some know nothing at all; and most are in the middle. Regardless of your position as a claims person … Continue reading

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Negligent Supervision Does Not Eliminate Auto Use Exclusion

Crashing an ATV on Public Roads Not a Homeowners Policy Loss Lawyers are creative. They take a clear and unambiguous policy exclusion, accept it, and then claim it doesn’t apply because there is another non-excluded cause of the injury. The … Continue reading

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