Special Publications from Barry Zalma, Esq., CFE

Barry Zalma has created at Locals.com and substack.com a series of insurance educational materials most of which are free to anyone. The free materials include more than 415 videos and more than 4150 digests of recent appellate court opinions and more than 59 videos dealing with true crime stories of insurance fraud.

In addition to the free materials, for a paid subscription to either Locals.com or substack.com, you can receive important, more detailed and informative information needed by everyone interested in insurance, insurance claims or insurance fraud.

The special materials include, at least, the following subjects in addition to the more than 415 videos and free materials:

Liability Insurance.
Property Insurance is a Personal Indemnity Contract.
What is Insurance?
Insurance Education Part I, a Video Training Program.
Excellence in Claims Handling a Video Training Program.
Ethics and the IME.
Arson & Fraud by Husband Voids Entire Policy
If an Insurer Wants to Defeat Coverage it Should Collect Convincing Evidence
To Defeat Insurance Claim the Insurer Must Collect Convincing Evidence.
A Postal Inspector Guilty of Insurance Fraud
The Excellence in Claims Handling Program
New Material added every month in text or video format.

To gain access to the special materials you can Subscribe to Zalma on Insurance at locals.com https://zalmaoninsurance.local.com/subscribe.

To gain access to the special materials you can Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.

Zalma on Insurance at Locals.com

The Locals.com community is called Zalma on Insurance and is a community created by Barry Zalma, Esq., CFE and ClaimSchool, Inc. to help create a community of insurance professionals dedicated to excellence in claims handling.

Zalma on Insurance will provide materials on insurance, insurance claims, insurance law and insurance fraud. Some material presented will be free and there will be special publications for subscribers.

A source for the insurance claims person to become an insurance claims professional who can provide excellence in claims handling to the insurance buying public.

Become a Professional Claims Handler

In search of profit, insurers have decimated their professional claims staff. They laid off experienced personnel and replaced them with young, untrained, unprepared people. A virtual clerk replaced the old professional claims handler. Process and computers replaced hands-on human skill, empathy and judgment. Money was saved by paying lower salaries. Within three months of firing the experienced claims people gross profit increased.

The promises made by an insurance policy are kept by the professional claims person. Keeping a professional claims staff dedicated to excellence in claims handling is cost-effective over long periods of time. A professional and experienced adjuster will save the insurer millions by resolving disputes, paying claims owed promptly and fairly, and by so doing avoid litigation.

The professional claims person is an important part of the insurer’s defense against litigation by insureds against insurers for breach of contract and the tort of bad faith. Claims professionals resolve more claims for less money without the need for either party to involve counsel. A happy insured or claimant satisfied with the results of his or her claim will never sue the insurer.

Incompetent or inadequate claims personnel force insureds and claimants to public insurance adjusters and lawyers. Every study performed on claims establishes that claims with an insured or claimant represented by counsel cost more to resolve than those where counsel is not involved. Prompt, effective, professional claims handling saves money for both the insured and the insurer and fulfills the promises made when the insurer sold the policy.

Insurers who believe they can handle first or third party claims with young, inexpensive, inexperienced and untrained claims handlers should be accosted by angry stockholders whose dividends have plummeted or will plummet as a result. When an insurer compromises on staff, profits, thin as they may have been previously, will move rapidly into negative territory. Tort and punitive damages will deplete reserves. Insurers will quickly question why they are writing insurance. Those who stay in the business of insurance will either adopt a program requiring excellence in claims handling from every member of their claims staff, or they will fail.

Insurance is a business. It must change—this time for the better—if it is to survive. It must rethink the firing of experienced claims staff and reductions in training to save “expense.” Insurers should, if they wish to succeed, adopt a program to promote excellence in claims handling that can help insurers keep the promises made by the insurance policy and avoid charges of breach of contract and the tort bad faith in both first and third party claims.

Insurers must understand that they cannot adequately fulfill the promises they make to their insureds and their obligations under fair claims practices acts without a professional, well trained and experienced claims staff. An insurer must work vigorously and intelligently to create a professional claims department or recognize it will lose its market and any hope of profit.

An insurer whose claims staff is made up of people who are less than professional will find itself the subject of multiple instances of expensive, counterproductive litigation.

Excellence in Claims Handling at substack.com

A Program to Create the Insurance Claims Professional including one hour video training programs, insurance law text materials, and insurance claims law commentary.

(c) 2022 Barry Zalma & ClaimSchool, Inc.

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 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. He is available at http://www.zalma.com and zalma@zalma.com.

Subscribe to Zalma on Insurance at locals.com https://zalmaoninsurance.local.com/subscribe.

Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.

Write to Mr. Zalma at zalma@zalma.com; http://www.zalma.com; http://zalma.com/blog; daily articles are published at https://zalma.substack.com. Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/

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