The Claims Game The Tricks And Deceptive Tactics Insurance Companies Use To Underpay Or Deny Your Claim

Author : David Skipton, PCLA, LPCS, SPPA, AIC
Publisher : Lulu.com
ISBN 13 : 1483437035
Total Pages : 133 pages
Book Rating : 4.33/5 ( download)

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Download or read book The Claims Game: The Tricks and Deceptive Tactics Insurance Companies Use to Underpay or Deny Your Claim written by David Skipton, PCLA, LPCS, SPPA, AIC and published by Lulu.com. This book was released on 2015-11-10 with total page 133 pages. Available in PDF, EPUB and Kindle. Book excerpt: When someone suffers a serious loss at their home or business, one of the first things they often think is this: "At least I have insurance." But the claims process is deviously designed to pay only pennies on the dollar for losses. Furthermore, if you take an insurance company to court, you'll find that the legal system is stacked against you. David Skipton brings his many years of claims adjusting experience to help you avoid the pitfalls in the claims process. Learn how to: recognize the tricks insurance companies play to cheat you out of money; take steps to improve your chances of enjoying a favorable outcome on a claim; and receive fair compensation in the event of an insurance payout. It doesn't matter if you own a business or a home-if you have an active claim or not-it's important to demystify the claims process. It begins by learning how to protect your best interests and learning how to play The Claims Game.

Author : Jay M. Feinman
Publisher : Penguin
ISBN 13 : 1101196289
Total Pages : 241 pages
Book Rating : 4.81/5 ( download)

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Download or read book Delay, Deny, Defend written by Jay M. Feinman and published by Penguin. This book was released on 2010-03-18 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: An expose of insurance injustice and a plan for consumers and lawmakers to fight it Over the last two decades, insurance has become less of a safety net and more of a spider's web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation. Jay M. Feinman, a legal scholar and insurance expert, explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. He shows that the denial of valid claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm. Citing dozens of stories of victims who were unfairly denied payment, Feinman explains how people can be more cautious when shopping for policies and what to do when pursuing a disputed claim. He also lays out a plan for the legal reforms needed to prevent future abuses. This exposé will help drive the discussion of this increasingly hot- button issue.

Author : Jay M. Feinman
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.02/5 ( download)

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Download or read book Delay, Deny, Defend written by Jay M. Feinman and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The essential promise of an insurance policy is that when a claim is filed, the company will pay what it owes, promptly and fairly. Increasingly that promise is being violated. Insurance companies often delay payment of valid claims, deny payment in part or altogether, and force claimants to litigation to receive the benefits to which they are entitled. This new book exposes and documents the problem and offers solutions for consumers and lawmakers.Today insurance companies often delay payment of justified claims, deny payment altogether, and force policyholders and claimants to litigation. Since the 1990s, as a result of the intense focus on price competition and maximizing shareholder value, insurance companies have transformed the claims process into a profit center, adopting elaborate systems to cut payments to policyholders and claimants. Many of these systems have been designed by McKinsey & Co. and other large consulting firms, and they involve sophisticated techniques to avoid the prompt and fair payment of claims and to reward company employees for underpaying valid claims. Delay, Deny, Defend describes the history and operation of these systems in automobile and homeowners insurance, including segmenting claims, litigation strategies, computer systems such as Colossus and Xactimate, and changes in the role of claims adjusters. It also includes chapters on insurance in natural disasters such as Hurricane Katrina and on insurance fraud. Among other sources, the book uses insurance company internal documents, statements of present and former company executives, trial testimony, and other material not widely available. The book concludes with advice for consumers and proposals for legal and regulatory reform.

Author : Brandon Lacy
Publisher : Royal Works Publishing
ISBN 13 : 9781544500003
Total Pages : 128 pages
Book Rating : 4.09/5 ( download)

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Download or read book Exposing the Hoax written by Brandon Lacy and published by Royal Works Publishing. This book was released on 2017-02-27 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insurers once took pride in assisting their customers during times of crisis. But too often today, the insurance industry looks at claims as the focal point of their profitability model, leaving customers navigating a minefield with the potential to destroy their recovery at every step of the process. Still, with the right tools and knowledge, any claim can be maximized, giving the consumer the compensation and the peace of mind they deserve. Brandon Lacy has worked on both sides of the aisle when it comes to insurance, starting in defense before crossing over to the consumers' side, and he knows the ins and outs of the tricky business of claims. Now he shares his insight into both the history and current state of insurance, as well as tips on how to make the most of your claim potential. In EXPOSING THE HOAX, Lacy explores the origins of the claims process from its start as a helpful tool to its current position as a way to increase profitability, explaining along the way how insurers have adopted policies leading to the systematic denial of claims across the board. Using first-hand experiences and personal accounts, he guides readers through the traps and abuses insurers employ, and demonstrates how to get the most out of your claim. Whether you're facing an automobile claim, a homeowners claim, or a long-term disability claim, this is a must-have handbook on how to face down the insurance giants and finally collect the payment you're owed.

Author : R. David Murphy
Publisher : Russell Longcore
ISBN 13 : 1425104436
Total Pages : 218 pages
Book Rating : 4.36/5 ( download)

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Download or read book Insurance Claim Secrets Revealed! written by R. David Murphy and published by Russell Longcore. This book was released on 2007-04 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the best book you can own on the strategies YOU need to use to get the insurance companies to pay you ALL the money you are entitled to collect when you have a claim. Wouldn't you agree that nothing else matters about insurance other than getting the claim PAID IN FULL? In this book, you will learn: &ndash The games and scams insurance companies use to cut costs and keep claim payments at the lowest amounts possible &ndash When it's the right time to use an attorney &ndash How you can take control of your claim, and not allow the insurance company or claims adjuster to control YOU &ndash What a Public Adjuster is, and the valuable help you can get from Public Adjusters &ndash That the insurance adjuster is NOT there to help you &ndash and much more You will learn: &ndash What to do when you have a car accident...BEFORE you open the car door or talk to anyone &ndash How much MORE money I collected (thousands!) in the two little claims I had while writing this book &ndash About Diminished Value on automobiles, and how it can cost you THOUSANDS if you don't fight &ndash About cheap aftermarket auto parts that insurance companies LOVE, but leave you less safe &ndash And so much more Ask yourself these questions: Do you carry a spare tire and jumper cables in the trunk of your car? Do you have a toolbox at home? Have you ever bought a book or read an article that showed you how to fix something? Do you own a first aid kit? Do you have a fire extinguisher or smoke alarms in your home? Why would you do ANY of those things? Answer: So you are prepared BEFORE something bad happens. READ THIS BOOK BEFORE SOMETHING BAD HAPPENS TO YOU!!! READ THIS BOOK AFTER SOMETHING BAD HAPPENS TO YOU, TO KEEP IT FROM GETTING WORSE! This book should be on the shelf in EVERY HOME. This book should be in EVERY automobile glove box.

Author : Chip Merlin
Publisher : Forbesbooks
ISBN 13 : 9781946633828
Total Pages : 0 pages
Book Rating : 4.28/5 ( download)

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Download or read book Pay Up! written by Chip Merlin and published by Forbesbooks. This book was released on 2020-03-17 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Attorney Chip Merlin exposes the bad faith practices of insurance companies that take advantage of their own customers" -- Page 2 of jacket.

Author :
Publisher : Silver Lake Publishing
ISBN 13 : 1563431688
Total Pages : 385 pages
Book Rating : 4.85/5 ( download)

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Download or read book Get Your Claim Paid written by and published by Silver Lake Publishing. This book was released on 1999 with total page 385 pages. Available in PDF, EPUB and Kindle. Book excerpt: Know exactly what to do and say when filing a claim and dealing with insurance companies.

Author : David Skipton
Publisher :
ISBN 13 : 9781955885935
Total Pages : 170 pages
Book Rating : 4.31/5 ( download)

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Download or read book Broken Promises: How Insurers Put Profits Over Promises written by David Skipton and published by . This book was released on 2021-10-20 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt: When someone suffers a serious loss at their home or business, one of the first things they often think is this: "At least I have insurance."But the claims process is deviously designed to pay only pennies on the dollar for losses. Furthermore, if you take an insurance company to court, you'll find that the legal system is stacked against you.David Skipton brings his many years of claims adjusting experience to help you avoid the pitfalls in the claims process. Learn how to:? recognize the tricks insurance companies play to cheat you out of money;? take steps to improve your chances of enjoying a favorable outcome on a claim; and? receive fair compensation in the event of an insurance payout.While insurance companies once looked out for customers, times are changing, and you need to know what motivates them if you want any chance to get what you're owed.It doesn't matter if you own a business or a home-if you have an active claim or not-it's important to demystify the claims process. It begins by learning how to protect your best interests and learning how to play The Claims Game.

Author : Sean Scott
Publisher :
ISBN 13 : 9780983763628
Total Pages : pages
Book Rating : 4.23/5 ( download)

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Download or read book Secrets of the Insurance Game written by Sean Scott and published by . This book was released on 2021-05-12 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Jonathan Isaacson
Publisher :
ISBN 13 : 9781735622705
Total Pages : 180 pages
Book Rating : 4.02/5 ( download)

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Download or read book Be Intentional written by Jonathan Isaacson and published by . This book was released on 2020-08-15 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is this book about?This book will help sharpen your senses for taking on greater challenges in your professional development. The value of this book is in setting the right growth mindset for approaching insurance repairs and developing habits that will lead you down the path of success with the resources available to you. * If you are new to estimating property damage repairs, this book will help you to form a much better understanding of the framework for clear and consistent estimates. * If you have been using working in property restoration and using Xactimate for a while but have been frustrated with poor results, this book will help you correct many of those bad habits that commonly plague poorly structured teams. * If you are an adjuster or a claims review professional, this will help you understand the estimating dynamics and will be a tool that will help you better converse with restoration professionals. ?* If one of your responsibilities is to train estimators and/or build a team, this book will help you to present the foundational information to your team members and will provide them with resources that will supplement your hands on training.