True Crime Stories About How Insurance Fraud Costs Everyone

Fictionalized True Crime Stories of Insurance Fraud from an Expert

See the full video at https://rumble.com/vsrp0o-true-crime-stories-about-how-insurance-fraud-costs-everyone.html and at https://youtu.be/36jYKL71QaI

Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers.

The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime.

This book started as a collection of columns I wrote and published in the magazines “Insurance Journal,” “Insurance Week,” and “The John Cooke Insurance Fraud Report” insurance trade publications serving the insurance community in the United States. Since the last edition I have added more stories that were published in my twice monthly newsletter, Zalma’s Insurance Fraud Letter which is available free to anyone who clicks the links. The original title was “Heads I Win, Tails You Lose” and was meant to describe insurance fraud as it works in the Unites States. It means that whenever a person succeeds in perpetrating an insurance fraud everyone who buys insurance is the loser. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose.As you read the stories I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies.Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud.


© 2022 – 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.

Subscribe to “Zalma on Insurance” at https://zalmaoninsurance.locals.com/subscribe and “Excellence in Claims Handling” at https://barryzalma.substack.com/welcome.

You can contact Mr. Zalma at https://www.zalma.com, https://www.claimschool.com, zalma@claimschool.com and zalma@zalma.com . Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.

You may find interesting the podcast “Zalma On Insurance” at https://anchor.fm/barry-zalma;  you can follow Mr. Zalma on Twitter at; you should  see Barry Zalma’s videos on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; or videos on https://rumble.com/zalma. Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claimslibrary/ The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/ 

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Insurance Education from Barry Zalma

Barry Zalma Presents What Your Insurance Organization Needs.

Mr. Zalma’s presentations are practical, thought-provoking, entertaining and will fit easily into any budget.

Enthusiastically committed to professionalism in insurance and insurance claims Mr. Zalma positively influences other insurance professionals through the spoken and written word.

Mr. Zalma specializes in clarifying the importance of insurance in a modern society and in making insurance understandable. He also provides everything needed by the insurance claims professional to complete the thorough investigation of a property, casualty or liability claim efficiently, equitably, empathetically and in good faith.

How Will You or Your Group or Organization Benefit from Working with Barry Zalma?

You can expect live or video presentations supplemented with texts that are:

  • Clear and understandable presentations that involve the both youngest and oldest member of your organization.
  • Presentations that entice the most experienced person in your organization who thinks he or she has nothing to learn.
  • Enhanced communications between claims and legal service providers.
  • Methods to make claims operations more cost effective.
  • Improved recognition of the indicators or “red flags of fraud.”
  • Better understanding of how to deal with people presenting claims
  • Improved interviewing techniques.
  • Ability to use methods that achieve a quantifiable reduction in claims expenses and indemnity payments while leaving the insured totally satisfied.

Live Training Available

Barry Zalma Presents What Your Insurance Organization Needs.

He positively influences other insurance professionals through the spoken and written word. He specializes in clarifying the importance of insurance in a modern society and in making insurance understandable.

The Excellence in Claims Handling Program Will Cover:

  • How to Read and Understand an Insurance Policy;
  • The loss notice.
  • The first contact with the insured presenting a claim.
  • The first contact with a third party claimant presenting a claim against an insured.
  • Underwriting for the claims professional.
  • The recorded statement.
  • Locating and taking recorded statement of independent witnesses.
  • Locating and obtaining information from governmental entities.
  • Preparing an agreed scope of loss with an insured or the insured’s public insurance adjuster.
  • Preparing a captioned report to insurance company management.
  • Preparing a statement of loss.
  • Negotiating a first party claim with an insured.
  • Negotiating a third party claim with a claimant or lawyer.
  • Preparing a sworn proof of loss with an insured after agreement.
  • Requiring an insured to submit a sworn proof of loss if agreement cannot be reached.
  • Preparing a release of all claims after reaching settlement with a claimant or claimant’s counsel
  • Use of an Insurance Coverage and Claims Handling Expert in Insurance Litigation.
  • Insurance Fraud & Weapons to Fight Fraud;
  • The Examination Under Oath;
  • Presentation and Adjustment of Claims in a Catastrophe;
  • Appraisal, A Specialized and Narrow Type of Insurance Arbitration;
  • Rescission of Insurance Policies;
  • Catastrophes and Fraud;
  • Torts for the Claims Person — A Primer;
  • Avoiding the Tort of Bad Faith;
  • Arson and Arson for Profit;
  • Dealing with the Public Insurance Adjuster; or
  • Barry Zalma will customize a talk and speak on any insurance topic you require.

Subscribe to “Zalma on Insurance” at https://zalmaoninsurance.locals.com/subscribe where you can access the program “Excellence in Claims Handling” for a small fee.

If you want to license the full “Excellence in Claims Handling” program for use by your entire organization a license is available for a one time license fee of only $1,000.00 by contacting Mr. Zalma at zalma@claimschool.com.

You may find interesting the podcast “Zalma On Insurance” at https://anchor.fm/barry-zalma;  you can follow Mr. Zalma on Twitter at; you should  see Barry Zalma’s videos on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; or videos on https://rumble.com/zalma. Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claimslibrary/ The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/ 

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Insurance Education from Barry Zalma

Barry Zalma Presents What Your Insurance Organization Needs.

Mr. Zalma’s presentations are practical, thought-provoking, entertaining and will fit easily into any budget.

Enthusiastically committed to professionalism in insurance and insurance claims Mr. Zalma positively influences other insurance professionals through the spoken and written word.

Mr. Zalma specializes in clarifying the importance of insurance in a modern society and in making insurance understandable. He also provides everything needed by the insurance claims professional to complete the thorough investigation of a property, casualty or liability claim efficiently, equitably, empathetically and in good faith.

How Will You or Your Group or Organization Benefit from Working with Barry Zalma?

You can expect live or video presentations supplemented with texts that are:

  • Clear and understandable presentations that involve the both youngest and oldest member of your organization.
  • Presentations that entice the most experienced person in your organization who thinks he or she has nothing to learn.
  • Enhanced communications between claims and legal service providers.
  • Methods to make claims operations more cost effective.
  • Improved recognition of the indicators or “red flags of fraud.”
  • Better understanding of how to deal with people presenting claims
  • Improved interviewing techniques.
  • Ability to use methods that achieve a quantifiable reduction in claims expenses and indemnity payments while leaving the insured totally satisfied.

Live Training Available

Barry Zalma Presents What Your Insurance Organization Needs.

He positively influences other insurance professionals through the spoken and written word. He specializes in clarifying the importance of insurance in a modern society and in making insurance understandable.

The Excellence in Claims Handling Program Will Cover:

  • How to Read and Understand an Insurance Policy;
  • The loss notice.
  • The first contact with the insured presenting a claim.
  • The first contact with a third party claimant presenting a claim against an insured.
  • Underwriting for the claims professional.
  • The recorded statement.
  • Locating and taking recorded statement of independent witnesses.
  • Locating and obtaining information from governmental entities.
  • Preparing an agreed scope of loss with an insured or the insured’s public insurance adjuster.
  • Preparing a captioned report to insurance company management.
  • Preparing a statement of loss.
  • Negotiating a first party claim with an insured.
  • Negotiating a third party claim with a claimant or lawyer.
  • Preparing a sworn proof of loss with an insured after agreement.
  • Requiring an insured to submit a sworn proof of loss if agreement cannot be reached.
  • Preparing a release of all claims after reaching settlement with a claimant or claimant’s counsel
  • Use of an Insurance Coverage and Claims Handling Expert in Insurance Litigation.
  • Insurance Fraud & Weapons to Fight Fraud;
  • The Examination Under Oath;
  • Presentation and Adjustment of Claims in a Catastrophe;
  • Appraisal, A Specialized and Narrow Type of Insurance Arbitration;
  • Rescission of Insurance Policies;
  • Catastrophes and Fraud;
  • Torts for the Claims Person — A Primer;
  • Avoiding the Tort of Bad Faith;
  • Arson and Arson for Profit;
  • Dealing with the Public Insurance Adjuster; or
  • Barry Zalma will customize a talk and speak on any insurance topic you require.

Subscribe to “Zalma on Insurance” at https://zalmaoninsurance.locals.com/subscribe where you can access the program “Excellence in Claims Handling” for a small fee.

If you want to license the full “Excellence in Claims Handling” program for use by your entire organization a license is available for a one time license fee of only $1,000.00 by contacting Mr. Zalma at zalma@claimschool.com.

You may find interesting the podcast “Zalma On Insurance” at https://anchor.fm/barry-zalma;  you can follow Mr. Zalma on Twitter at; you should  see Barry Zalma’s videos on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; or videos on https://rumble.com/zalma. Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claimslibrary/ The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/ 

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ClaimSchool Training Programs

Barry Zalma Presents What You Need to Become an Insurance Claims Professional

Mr. Zalma’s presentations are practical, thought-provoking, entertaining and will not cause you to reevaluate your budget. Barry is enthusiastically committed to professionalism in insurance and insurance claims. He positively influences other insurance professionals through the spoken and written word. He specializes in clarifying the importance of insurance in a modern society and in  making insurance understandable.

You will profit from subscribing to the ClaimSchool series of educational programs and learn everything you need to know to be a professional property and casualty insurance claims professional.

If you wish your organization to obtain a license to use the training produced by Mr. Zalma contact him at ClaimSchool, Inc. at 310-390-4455 or zalma@zalma.com to discuss licensing fees.

You can expect:

  • Clear and understandable presentations that are useful to the novice claims person but will also entice the person who believes he or she is most experienced claims person in the organization where he or she is employed.
  • The ability to enhance communications between claims and legal service providers.
  • Methods to make claims operations more cost effective.
  • Basic investigative techniques.
  • Advanced investigative techniques.
  • Advanced interviewing techniques.
  • How to examine an insured under oath.
  • Improved recognition of the indicators or “red flags of fraud.”
  • Better understanding of how to deal with people presenting claims.
  • Methods to achieve a quantifiable reduction in claims expenses and indemnity payments.
  • In addition Mr. Zalma will create a one or more programs to meet your specific needs.

Publications Available

In addition to the training classes ClaimSchool publishes Zalma’s Insurance Fraud Letter twice a month, the blog Zalma on Insurance, and e-books written by Barry Zalma available on line through amazon.com and various other publishers.

Subscribe to e-mail Version of ZIFL, it’s Free!  Read last two issues of ZIFL here. Go to the Barry Zalma, Inc. web site here , Videos from “Barry Zalma on YouTube” Go to Barry Zalma videos at Rumble.com at https://rumble.com/zalma. Barry Zalma and ClaimSchool can be reached at 310-390-4455 or zalma@zalma.com, Twitter: @bzalma, Zalma on Insurance, at https://zalma.com/blog,  All of Mr. Zalma’s insurance claims books are available at the Insurance Claims Library, Listen to the Podcast: Zalma on Insurance,  

SUBSCRIPTIONS

Subscribe to “Zalma on Insurance” at https://zalmaoninsurance.locals.com/subscribe where you can access the program “Excellence in Claims Handling” for a small fee.

If you want to license the full “Excellence in Claims Handling” program for use by your entire organization a license is available for a one time license fee of only $1,000.00 by contacting Mr. Zalma at zalma@claimschool.com.

You may find interesting the podcast “Zalma On Insurance” at https://anchor.fm/barry-zalma;  you can follow Mr. Zalma on Twitter at; you should  see Barry Zalma’s videos on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; or videos on https://rumble.com/zalma. Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claimslibrary/ The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/ 

(c) 2022 Barry Zalma, Inc.

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ClaimSchool, Inc.

Publications from Barry Zalma, Esq., CFE

Welcome to ClaimSchool, Inc.

Barry Zalma, Esq, CFE is the author, producer, and narrator of many available training programs designed to assist insurance claims people to become insurance claims professionals.

Insurance policies are contracts, and to understand insurance policies each party must recognize how all contracts, and specifically insurance contracts, are interpreted.  Barry Zalma, as an insurance coverage attorney and consultant with more than 55-years experience, is uniquely qualified to create training programs and webinars on how to interpret an insurance policy as it applies to a specific fact situation, how to conduct a thorough and professional investigation of an insurance claim and how to resolve disputes concerning insurance coverage, insurance claims or insurance fraud.

Barry Zalma is an insurance coverage consultant and Certified Fraud Examiner who now limits his practice to consultation, arbitration or mediation of insurance disputes. He is the founder of Barry Zalma, Inc., a California law firm whose practice emphasized the representation of insurers and those in the business of insurance.

Mr. Zalma is the author of many books, e-books, continuing education courses, and articles relating to insurance coverage, insurance claims handling and insurance litigation. His books and e-books on Insurance Claims, Construction Defects, Mold, Insurance Law and insurance fraud are available from Fastcase.com, Thomson Reuters Available here, the American Bar Association; ClaimSchool, Inc. at the Insurance Claims Library

He is an internationally recognized expert on insurance claims handling, insurance coverage, insurance fraud investigations, the commercial general liability policy, the comprehensive general liability policy, the homeowners policy, all first and third party insurance policies,  inland marine coverages, and the tort of bad faith.

You can reach Barry Zalma through ClaimSchool, Inc 4441 Sepulveda Boulevard, CULVER CITY CA 90230; Tel: 310-390-4455,  E-Mail: zalma@claimschool.com.

You can also see his free insurance claims videos at Rumble.com at https://zalma or Videos from Barry Zalma on YouTube, or Listen to the Podcast: Zalma on Insurance,  Twitter: @bzalma.

(c) 2021 Barry Zalma, Inc.

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