Zalma’s Insurance Fraud Letter – December 15, 2021

ZIFL – Volume 25, Issue 24

See the full video at and at

A Christmas Fable of Fraud

ZIFL publishes this Story at Christmas Time Every Year. I Hope You like it Again.

Editorial – Anti-Fraud Resolutions

In 2009 ZIFL posted an editorial with New Year’s Resolutions for every person involved in the business of insurance. I repeat it again in this issue and add some thoughts for 2022.

Insurance fraud of all types continues to grow to epidemic levels. It is perpetrated by people of every race, religion, national origin, financial situation, sexual orientation, age, or physical condition. As the US economy tanks and the value of the dollar drops people turn to insurance fraud as a “safe” crime where their financial problems can be cured. Arson for profit, fake thefts, fake injuries all grow logarithmically as it becomes more difficult to earn an honest living. Even when convicted the fraud perpetrators receive as little as probation or one day in jail and rarely are sentenced to multiple years in jail regardless of the extent of the fraud. It often seems that everyone is involved in fraud. Governmental agencies designed to protect consumers, prosecutors, and judges all add to the problem because they have no empathy for insurers, investors, or Wall Street brokers, as victims.

Fraudster Cannot Obtain Cash Under the California Unclaimed Property Law

Money Held by the State Can’t be Given to a Fraud

ClaimSchool, Inc. – Insurance Education

Insurance Education from Barry Zalma

Defendants Claimed Their Fraud Was Obvious so Insurer was not Damaged

GEICO Proactively Fights Fraud By Suing Providers For Damages

The Coalition Hall of Shame

Health Insurance Fraud Convictions

Other Insurance Fraud Convictions

© 2021 – Barry Zalma

Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders.

He also serves 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 handling lawyer and more than 54 years in the insurance business.

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He is available at and Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award. Over the last 53 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 make it possible for insurers and their claims staff to become insurance claims professionals.

Go to training available at; articles at,  the podcast Zalma On Insurance at;  Follow Mr. Zalma on Twitter at; Go to Barry Zalma videos at ; Go to Barry Zalma on YouTube-; Go to the Insurance Claims Library –  The last two issues of ZIFL are available at  podcast now available at


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