Delay Deny Defend

Argues that insurance companies have developed unethical practices of delaying or denying legitimate claims, sharing dozens of stories involving major insurers while counseling readers on how to make insurance buying decisions and pursue disputed claims.

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.

In each of the first three editions of the bestselling Law 101, Jay Feinman gave readers an upbeat and vivid examination of the American legal system. Since the third edition was published in 2010, much has happened: several key Supreme Court cases have been decided, we've seen sensational criminal trials, and the legal system has had to account for the latest developments in Internet law. This fully updated fourth edition of Law 101 accounts for all this and more, as Feinman once again provides a clear introduction to American law. The book covers all the main subjects taught in the first year of law school, and discusses every facet of the American legal tradition, including constitutional law, the litigation process, and criminal, property, and contracts law. To accomplish this, Feinman brings in the most noteworthy, infamous, and often outrageous examples and cases. We learn about the case involving scalding coffee that cost McDonald's half a million dollars, the murder trial in Victorian London that gave us the legal definition of insanity, and the epochal decision of Marbury vs. Madison that gave the Supreme Court the power to declare state and federal law unconstitutional. A key to learning about the law is learning legal vocabulary, and Feinman helps by clarifying terms like "due process" and "equal protection," as well as by drawing distinctions between terms like "murder" and "manslaughter." Above all, though, is that Feinman reveals to readers of all kinds that despite its complexities and quirks, the law is can be understood by everyone. Perfect for students contemplating law school, journalists covering legislature, or even casual fans of "court-television" shows, Law 101 is a clear and accessible introduction to the American legal system. New to this edition: Featured analysis of: -the Obamacare case -Citizens United -the DOMA decision -the Trayvon Martin case As well as recent legal developments pertaining to: -online contracting -mortgages -police investigations -criminal sentencing

"Attorney Chip Merlin exposes the bad faith practices of insurance companies that take advantage of their own customers" -- Page 2 of jacket.

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.

His common sense approach to sharing techniques on how to make you a great adjuster and providing easy to apply techniques is not seen in most books. After reading this book you will find yourself with many techniques on how to be efficient at what you do, producing great claim files while amazing your customers. His promise to just give key facts will allow anyone to use this book as a reference for years to come. What a refreshing presentation that is geared to truly helping adjusters be great, without having to sift through needless information. Danny lays out a tried and true formula for becoming a great, well rounded adjuster with a fantastic approach to adjusting claims. And Danny does it all in an excellent way that will stay with you long after you finish his book. I highly recommend that all adjusters, from the newest adjuster just entering the property insurance industry to the most experienced adjusters at the tail end of their career, take the time to read and study this outstanding book.

Written by Bill Wilson, the U.S.A.'s foremost authority on insurance policy language: Practical and entertaining guide to understanding insurance policies. The culmination of a legendary career that stretches over six decades. Learn from the actual stories of thousands of real-life claims. Learn a rock-solid foundation to anchor your technical insurance knowledge. There is simply no substitute for experience, and in this book, Bill distills 50] years of insurance experience, shared with the love of an educator. Nothing destroys your customers' trust more than a bad claims experience. If you're an agent, you sell promises. Promises that somebody else (a claims adjuster) has to deliver on. That puts you in a tough situation. This book will pay for itself many times over if it helps you save a single client, and it's going to save you many customers over the years. Decades of deep, technical insurance experience distilled into a simple book It's like having a mentor who is a world-class technical expert, and at the same time, a passionate and dedicated educator. Chock full of practical examples. This is not a theoretical manual; it's a deeply practical, interesting, and entertaining read that will be useful for decades to come.

In "Letter from Birmingham Jail," Martin Luther King Jr. explains why blacks can no longer be victims of inequality.