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.
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.
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.
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.
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.
Download or read book The Art of Property Claims Adjusting Techniques on How to be a Great Adjuster written by Danny L. Lee and published by Lulu.com. This book was released on 2018-03-14 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Markup Profit written by Michael Stone and published by Craftsman Book Co. This book was released on 1999-01-01 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: In order to succeed in a construction business you have to be able to mark up the price of your jobs to cover overhead expenses and make a decent profit. The problem is how much to mark it up. You don't want to lose jobs because you charge too much, and you don't want to work for free because you've charged too little. If you know how much to mark up you can apply it to your job costs and arrive at the right sales price for your work. This book gives you the background and the calculations necessary to easily figure the markup that is right for your business. Includes a CD-ROM with forms and checklists for your use.
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:
Download or read book Customer Fraud and Business Responses written by Kelly T. Tian and published by Bloomsbury Publishing USA. This book was released on 2001-12-30 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: From remarkably frank and credible responses to their comprehensive research questionnaire, Tian and Keep provide a unique, wide ranging catalogue of frauds that customers perpetrate on businesses--and what marketers can do to combat it. They were able to receive and analyze more than 250 written descriptions--a 71% response rate!--of the acts that customers committed and the methods they used. Instead of merely a checklist, Tian and Keep obtained their data in the customers' own words, resulting in highly detailed and reliable insights into why customers did what they did. They find that customer fraud has emerged as a form of guerilla warfare against companies, that it is adapted to specific situations, and that underlying customers' motivation is a need to get even. Ethics has little do with it. In fact, some respondents even asserted that they had an obligation to commit fraud: they did it to retaliate against what they perceived as unethical acts that businesses committed against them. The result is a rare documentation of the specifics of fraud, how it threatens not only business but entire economies, and the actions--bold and subtle--that marketers can take in self-protective response. Not only will corporate management, particularly in marketing, get detailed descriptions of their customers' fraud strategies and tactics, but they will also receive insights into where they are vulnerable and why. Tian and Keep show that fraud has become so socially acceptable among middle class customers that they are willing to share their tactics, strategies, and secrets with their friends. With this as their foundation, the authors give practitioners an arsenal of detection and deterrence methods. Equally important, they provide ways to implement them without alienating their other, blameless customers. They also show marketers what they can do to reestablish trust in their marketing exchanges with customers, and improve relationships in ways that will diminish (if not fully eliminate) the incidence of fraud. For management generally as well as marketers in companies of all sizes and type, Tian's and Keep's book is essential, engrossing, and useful reading.
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.
Download or read book Encyclopedia of Ethical Failure written by Department of Defense and published by . This book was released on 2009-12-31 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Standards of Conduct Office of the Department of Defense General Counsel's Office has assembled an "encyclopedia" of cases of ethical failure for use as a training tool. These are real examples of Federal employees who have intentionally or unwittingly violated standards of conduct. Some cases are humorous, some sad, and all are real. Some will anger you as a Federal employee and some will anger you as an American taxpayer. Note the multiple jail and probation sentences, fines, employment terminations and other sanctions that were taken as a result of these ethical failures. Violations of many ethical standards involve criminal statutes. This updated (end of 2009) edition is organized by type of violations, including conflicts of interest, misuse of Government equipment, violations of post-employment restrictions, and travel.
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.
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.
Download or read book From Good Hands to Boxing Gloves written by David J. Berardinelli and published by Trial Guides, LLC. This book was released on 2008 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: It's the story the insurance industry doesn't want you to know. Now, for the first time, the story in the legal book From Good Hands to Boxing Gloves is available to the public. Find out for yourself why insurance companies are improperly denying claims, delaying them, and defending them at trial. The book takes you from the ideas which masterminded Enron, through their impact on the insurance industry, and the resulting claim denials in everything from minor auto accidents to Hurricane Katrina claims. Author David Berardinelli is the trial lawyer who diligently worked to become the first to obtain the "McKinsey Documents" unprotected. He discusses how these documents teach insurers to profit by denying policyholders "good hands" to treat them with "boxing gloves." Learn how Allstate has earned the highest profits in insurance company history during the years with our country's largest natural disasters.
Download or read book The Data Science Design Manual written by Steven S. Skiena and published by Springer. This book was released on 2017-07-01 with total page 445 pages. Available in PDF, EPUB and Kindle. Book excerpt: This engaging and clearly written textbook/reference provides a must-have introduction to the rapidly emerging interdisciplinary field of data science. It focuses on the principles fundamental to becoming a good data scientist and the key skills needed to build systems for collecting, analyzing, and interpreting data. The Data Science Design Manual is a source of practical insights that highlights what really matters in analyzing data, and provides an intuitive understanding of how these core concepts can be used. The book does not emphasize any particular programming language or suite of data-analysis tools, focusing instead on high-level discussion of important design principles. This easy-to-read text ideally serves the needs of undergraduate and early graduate students embarking on an “Introduction to Data Science” course. It reveals how this discipline sits at the intersection of statistics, computer science, and machine learning, with a distinct heft and character of its own. Practitioners in these and related fields will find this book perfect for self-study as well. Additional learning tools: Contains “War Stories,” offering perspectives on how data science applies in the real world Includes “Homework Problems,” providing a wide range of exercises and projects for self-study Provides a complete set of lecture slides and online video lectures at www.data-manual.com Provides “Take-Home Lessons,” emphasizing the big-picture concepts to learn from each chapter Recommends exciting “Kaggle Challenges” from the online platform Kaggle Highlights “False Starts,” revealing the subtle reasons why certain approaches fail Offers examples taken from the data science television show “The Quant Shop” (www.quant-shop.com)
Download or read book Principles of Management written by David S. Bright and published by . This book was released on 2023-05-16 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Black & white print. Principles of Management is designed to meet the scope and sequence requirements of the introductory course on management. This is a traditional approach to management using the leading, planning, organizing, and controlling approach. Management is a broad business discipline, and the Principles of Management course covers many management areas such as human resource management and strategic management, as well as behavioral areas such as motivation. No one individual can be an expert in all areas of management, so an additional benefit of this text is that specialists in a variety of areas have authored individual chapters.
Download or read book Small Business Survival Book written by Barbara Weltman and published by John Wiley & Sons. This book was released on 2006-05-19 with total page 255 pages. Available in PDF, EPUB and Kindle. Book excerpt: Owning a small business can be a fulfilling and financially rewarding experience, but to be successful, you must know what to do before starting a business; what to do while the business is up and running; and, most importantly, what to do when the business runs into trouble. With a combined fifty years of small business experience between them, authors Barbara Weltman and Jerry Silberman know what it takes to make it in this competitive environment, and in Small Business Survival Book, they show you how. In a clear and concise voice, Weltman and Silberman reveal twelve surefire ways to help your small business survive and thrive in today's market. With this book as your guide, you'll discover how to: * Delegate effectively * Monitor cash flow * Extend credit and stay on top of collections * Build and maintain credit and restructure your debt * Meet your tax obligations * Grow your business with successful marketing strategies * Use legal protections * Plan for catastrophe and disaster recovery Whether you're considering starting a new business or looking to improve your current venture, Small Business Survival Book has what you need to succeed.
