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Personal Injury Insurance Fraud
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Book Synopsis Personal Injury Insurance Fraud by : Joseph Lichtor
Download or read book Personal Injury Insurance Fraud written by Joseph Lichtor and published by Lawyers & Judges Publishing. This book was released on 2002-01-01 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using numerous examples, an orthopedic surgeon spotlights the growth industry of health care scams since the 19th century's "railway spine" epidemic. After overviewing the history of personal injury fraud in the US and Europe, Dr. Lichtor clearly explains the expected mechanics of specific injuries; patient evaluation, including investigation of the patient's accident history; and prevention of claimant and physician deception relating to such alleged injuries as whiplash, back injury, traumatic fibromyalgia, repetitive motion injury, and aggravation of pre-existing conditions. He concludes with chapters on malingering, Worker's Compensation Fund fraud, and federal fraud enforcement. Annotation copyrighted by Book News, Inc., Portland, OR.
Book Synopsis Fraud and Buildup in New York Auto Injury Insurance Claims by :
Download or read book Fraud and Buildup in New York Auto Injury Insurance Claims written by and published by . This book was released on 2006-01-01 with total page 101 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Auto Accident Personal Injury Insurance Claim by : Dan Baldyga
Download or read book Auto Accident Personal Injury Insurance Claim written by Dan Baldyga and published by AuthorHouse. This book was released on 2002-03-31 with total page 141 pages. Available in PDF, EPUB and Kindle. Book excerpt: Auto Accident Personal Injury Insurance Claim reveals the inside secrets of claim negotiating and shows you how to settle your case for top dollar. This book will guide you through the insurance claim wilderness and provide you with the answer to that critical question: How much is my "pain and suffering" worth? The mystery of how to place a value on your "pain and suffering" has been solved with the introduction of BASE: The Baldyga Auto Accident Settlement Evaluation Formula. It will help you to prove your losses, and to know how to present them during your negotiations. Youll learn the all-important 4 "Values" that BASE provides for you: The PREMIUM Value, The MEAN Value, The CORE Value and The LOW Value. The BASE Formula is a simple, yet revolutionary evaluation tool. Knowing how to guide an accident claim to a victorious payoff is not an exclusive ability, possessed by a select few. Dont be seduced into thinking you cant do it yourself. That simply isnt true! This book will show you how. If youve been in an accident and youre uninformed, you have little or no concept of the ultimate value of your possible recovery. Because of this, youre less able to make appropriate demands. As the claims negotiation process moves towards a close, youre settlement demands are very often too low or too high. Youre ignorant of the accepted principles, which justify your demands. When you attempt to negotiate a settlement with these handicaps, you run a strong chance of being victimized. The amount of compensation you should be paid isnt found in a crystal ball. Rather, a number of simple factors such as the type of accident, related injuries, out-of-pocket expenses, medical costs and lost wages all go into determining how much a claim is worth. What amount an insurance company is willing to pay actually falls into a fairly narrow spectrum. To read this book is to become informed on bodily injury claim settlement facts and details. Youll discover how to implement BASE so you can determine the monetary value of the "pain and suffering" youve endured because of your injury. Youll know what to ask for and how to negotiate it. Youll learn how to supply the adjuster with all the documentation and proof needed to establish your claim. Youll gain the knowledge needed to accomplish this when you read Auto Accident Personal Injury Insurance Claim. And youll walk away from the negotiation table with a smile on your face.
Book Synopsis Accidentally, on Purpose by : Ken Dornstein
Download or read book Accidentally, on Purpose written by Ken Dornstein and published by MacMillan. This book was released on 1997 with total page 452 pages. Available in PDF, EPUB and Kindle. Book excerpt: Traces the making of the most peculiar criminal underworld: faked personal injuries. It moves from the slip-and-fall artists of the late 19th century, through the accident racketeering of the 1920s, right up to contemporary times.
Download or read book Insult to Injury written by Ray Bourhis and published by . This book was released on 2021-09 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: Joan Hangarter bought a disability insurance policy to protect her should she ever become seriously ill. She dutifully paid her annual premiums for nearly a decade. But when she became disabled, she and her children found themselves homeless and bankrupt when her insurer, UnumProvident, stopped paying her benefits. With the help of her attorneys Hangarter won a landmark $7.7 million jury verdict, which was unanimously upheld by the US Ninth Circuit Court of Appeals.
Book Synopsis Personal Injury Surveillance by : Sam Greer
Download or read book Personal Injury Surveillance written by Sam Greer and published by Troubador Publishing Ltd. This book was released on 2019-02-15 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to figures published by the Association of British Insurers, the insurance industry detected 125,000 dishonest claims valued at £1.3 billion in 2016. With similar amounts of fraud going undetected each year, it is unsurprising that insurers invest around £200 million to combat it. Personal Injury Surveillance is a unique guide, providing an insight into the hitherto undisclosed methodologies of personal injury surveillance and the systemic use of an unregulated profession to investigate accident victims. Surveillance is one of many tools used by the UK insurance industry to investigate the veracity of a personal injury claim; others include statistical analysis of claims data and complex algorithms with key fraud indicators, enabling insurers to get upstream of the issue and, in some cases, actually predict fraud before it occurs. However, there is nothing more compelling than surveillance evidence which is why it remains a fundamental element of the claims management process. Significant investment in fraud awareness training coupled with new legislation and a more collaborative approach has provided the insurance industry with teeth, and it isn’t afraid to use them. This guide will provide honest claimants, their legal representatives and insurers with an enlightening, and in parts amusing, insight into the world of personal injury surveillance. It will also prove sobering for anyone contemplating the submission of a fraudulent personal injury claim with intent to defraud an insurer.
Book Synopsis Insurance Fraud Volume II by : Barry Zalma
Download or read book Insurance Fraud Volume II written by Barry Zalma and published by . This book was released on 2019-10-31 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insurance Fraud Is Epidemic Insurance fraud continually takes more money each year than it did the last from the insurance buying public. There is no certain number. Most attempts at insurance fraud succeed. Estimates of the extent of insurance fraud in the United States range from $87 billion to more than $300 billion every year.Insurers and government backed pseudo-insurers can only estimate the extent they lose to fraudulent claims. Lack of sufficient investigation and prosecution of insurance criminals is endemic. Most insurance fraud criminals are not detected. Those that are detected do so because they became greedy, sloppy and unprofessional so that the attempted fraud becomes so obvious it cannot be ignored.The National Insurance Crime Bureau (NICB) estimates that almost 25% of the bodily injury claims related to auto crashes are bogus. Property and casualty claims against auto insurance are not much better, coming in at around a 10% fraud rate.A person commits the offense of insurance fraud by knowingly and with the intent to defraud any insurer presents or causes to be presented to any insurer any statement forming a part of, or in support of, a claim that contains any false, incomplete or misleading information concerning any fact or thing material to the claim. [18 Pa.C.S.A. § 4117(a)(2).] A person acts "knowingly" when he or she is aware that it is practically certain that his or her conduct will cause such a result. Likewise, a person acts "intentionally" when "it is his or her conscious object to engage in conduct of that nature or to cause such a result.As the industry attempts to keep pace with fraudsters' varied, ever-shifting tactics, it must deploy more innovative, effective anti-fraud technologies or risk dire losses. Vendors and organizations include the Coalition Against Insurance Fraud (CAIF), CSC, Detica NetReveal, Equifax, Experian, FICO, IBM, Innovation Group, Insurance Bureau of Canada (IBC), ISO/Verisk, KPMG, LexisNexis, Mattersight, Mitchell, the National Insurance Crime Bureau (NICB), SAP, SAS, and TransUnion.Insurers must also generate a close relationship with the state insurance department's fraud division or fraud bureau, local police agencies, the FBI, the ATF, the Postal Investigation Service, the local fire department's arson unit, local prosecutors, and the local U.S. Attorneys if they are to have any chance to reduce the effect of insurance fraud. Insurers should also work to make the general public, state legislators, state governors, congress members and U.S. Senators, and the Attorney General of the United States aware of the effect insurance fraud has on the public at large and the insurance industry.Wherever insurance is written insurance fraud exists. It is an equal opportunity fraud committed by people of every race, religion or national origin. Insurers who do not exercise serious anti-fraud efforts often complain that the local district attorneys and police agencies give a low priority to the crime of insurance fraud. No matter how seriously the insurers work to prove fraud the authorities often ignore them. In response, police and prosecutors complain that the insurers do nothing that police and prosecutors can use to prosecute the crime of insurance fraud while insurers complain that prosecutors ignore them when they present evidence of a fraud. There is truth in both complaints. Insurers, although compelled by statute to investigate potential insurance fraud and to present the results of their investigations to prosecutors, they are not trained as police officers. This book is written to make it clear to insurers, police and prosecutors that it is necessary to stop complaining and start working together to reduce the extent of insurance fraud. If they do not work together the crime will continue to metastasize until it will be impossible to write insurance at a profit or for a price anyone can afford.
Book Synopsis Automobile Insurance Made Simple by : Ed Boylan
Download or read book Automobile Insurance Made Simple written by Ed Boylan and published by Universal-Publishers. This book was released on 1999-08 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: Automobile Insurance Made Simple is a comprehensive, easy to understand consumer's guide to auto insurance. It explains the basic coverages provided by most auto insurance policies, along with simple and clear examples. The book explains how insurance companies determine how much you pay for auto insurance. Once you have this basic understanding, it's easy to see how you can save money on your auto insurance. The book contains actual rating examples and premium charges with easy-to-follow charts and graphs. It provides tips on how to shop, what discounts to look for, and how not to become a victim of insurance fraud. It explains coverages. This book is a valuable resource worth coming back to time and again. An absolute must buy if you live in New Jersey! The $20 investment you make in this book can save you hundreds of dollars in just one year, even thousands of dollars over the course of your lifetime.
Book Synopsis How To Win Your Personal Injury Claim by : J. L. Matthews
Download or read book How To Win Your Personal Injury Claim written by J. L. Matthews and published by NOLO. This book was released on 2004-10-01 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: Armed with the right information, anyone can handle a personal injury claim without a lawyer. Attorney Joseph Matthews provides strategies for handling every stage of the insurance claim process including how to:- protect one's rights after an accident- evaluate what a claim is worth- handle a property damage claim- avoid insurance company run-arounds- obtain a full and fair settlement- save thousands in attorney fees
Download or read book Insult to Injury written by Ray Bourhis and published by National Geographic Books. This book was released on 2005-08-01 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Joan Hangarter bought a disability policy in 1990 to protect her should she ever become seriously ill. She dutifully paid her annual premiums for nearly a decade. But when she became disabled, she and her children found themselves homeless and bankrupt when her insurer—UnumProvident—stopped paying her benefits. With the help of attorneys Ray Bourhis and Alice Wolfson, Hangarter won a landmark $7.7 million jury verdict against Unum. Hangarter’s dramatic story illustrates in shocking detail how insurance companies put profit above the promises they make to policyholders. Exposing the intricate systems insurance companies use to target and terminate expensive claims without just cause, Bourhis reveals the back-room mind-set that drives these illegal practices. He shows how low-level employees are duped into unethical conduct, how insurers manipulate data and witnesses in the few cases that do go to trial, and exactly what ordinary people are up against when forced to take on these behemoths. Bourhis paints a frightening picture of how key decisions by Congress and the US Supreme Court have enabled these schemes to continue unchecked—and he provides a sorely needed roadmap to reform.
Book Synopsis Insurance Fraud Volume I Second Edition by : Barry Zalma
Download or read book Insurance Fraud Volume I Second Edition written by Barry Zalma and published by Independently Published. This book was released on 2022-03-12 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: INSURANCE FRAUD IS EPIDEMIC Insurance fraud continually takes more money each year than it did the last from the insurance buying public. There is no certain number. No one knows the amount that is taken by insurance fraud because most attempts at insurance fraud succeed. Estimates of the extent of insurance fraud in the United States range from $87 billion to more than $300 billion every year. The only certainty is that it is a serious crime that bleeds the insurance industry sufficiently to have states compel insurers to create special investigative units (SIU's) to investigate, deter and defeat insurance fraud to assist the state in its efforts to prosecute the crime. Insurers and government backed pseudo-insurers can only estimate the extent they lose to fraudulent claims. Lack of sufficient investigation and prosecution of insurance criminals is endemic. Most insurance fraud criminals are not detected. Those that are detected do so because they became greedy, sloppy and unprofessional so that the attempted fraud becomes so obvious it cannot be ignored. The National Insurance Crime Bureau (NICB) estimated that almost 25% of the bodily injury claims related to auto crashes are bogus. Property and casualty claims against auto insurance are not much better, coming in at around a 10% fraud rate. The National Association of Insurance Commissioners (NAIC) reports that insurance fraud occurs when an insurance company, agent, adjuster or consumer commits a deliberate deception in order to obtain an illegitimate gain. It can occur during the process of buying, using, selling, or underwriting insurance. Insurance fraud may fall into different categories from individuals committing fraud against consumers to individuals committing fraud against insurance companies. Non-medical insurance fraud is estimated at over at $40 billion dollars per year. Fraud not only inflicts extra costs on insurance companies, but it also financially impacts consumers, costing the average U.S. family between $400 and $700 per year in premiums. When insurers and governments put on a serious effort to reduce the amount of insurance fraud the number of claims presented to insurers and the pseudo-government-based or funded insurers drops logarithmically. Insurance fraud is not limited to the US. In Britain fraud costs the British economy amounts estimated in billions of British pounds. Since the amount of fraud actually detected is a small portion of what was actually found, the estimates published are little more than an educated guess. Vendors and organizations include the Coalition Against Insurance Fraud (CAIF), CSC, Detica NetReveal, Equifax, Experian, FICO, IBM, Innovation Group, Insurance Bureau of Canada (IBC), ISO/Verisk, KPMG, LexisNexis, FastCase, Mattersight, Mitchell, the National Insurance Crime Bureau (NICB), SAP, SAS, and TransUnion. No matter how seriously the insurers work to prove fraud the authorities often ignore them. In response, police and prosecutors complain that the insurers do nothing that police and prosecutors can use to prosecute the crime of insurance fraud while insurers complain that prosecutors ignore them when they present evidence of a fraud. There is truth in both complaints. Insurers, although compelled by statute to investigate potential insurance fraud and to present the results of their investigations to prosecutors, they are not trained as police officers. Insurance company employees, whether claims adjusters or SIU investigators are not trained to present evidence of a crime to a court. They can only advise professional insurance fraud investigators at the state departments of insurance or state police agencies who must then investigate further to obtain evidence that is sufficient for a charge of insurance fraud or to convince a Grand Jury to issue an indictment.
Download or read book Crashers written by Lindy Hudis and published by ReadHowYouWant. This book was released on 2013-10 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fraudulent car accidents is a multi-million dollar racket, involving unscrupulous medical providers, personal injury attorneys, and the cooperating passengers involved in the accidents and who also receive a portion of the illegal proceeds. Such is the fate of newly engaged, Nathan and Shari, whose joy is tempered by the dark cloud of mounting debt. A chance encounter with a stranger in whom Shari confides her troubles proves fortuitous: he tells her of a get-rich-quick scheme that will put her and her fianc on easy street. Seduced by the chance to move from hard times to good times in no time, Shari takes the carrot offered her, and finds herself acting as a stuffed passenger the victim in a staged auto accident. The act goes according to plan and Shari gets her payday, but getting out and breaking free of the insurance fraud underworld will take nothing short of a miracle. A modern day cautionary tale, Crashers is a true-to-life novel that uncovers how the innocent get lured into the scheme of cappers and hammers. A riveting story of love and desperation, greed and redemption.
Book Synopsis Initial Report by : New Jersey. Governor's Task Force on Health Care Fraud
Download or read book Initial Report written by New Jersey. Governor's Task Force on Health Care Fraud and published by . This book was released on 1996 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Law of No-fault Insurance by : Margaret C. Jasper
Download or read book The Law of No-fault Insurance written by Margaret C. Jasper and published by Oxford University Press, USA. This book was released on 2002 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: This almanac sets forth a discussion of motor vehicle no-fault insurance law with a focus on the history and development of the no-fault system and recent trends. The appendix provides sample documents, applicable statutes and other pertinent information and data. A glossary is included. The Legal Almanac series serves to educate the general public on a variety of legal issues pertinent to everyday life and to keep readers informed of their rights and remedies under the law. Each volume in the series presents an explanation of a specific legal issue in simple, clearly written text, making the Almanac a concise and perfect desktop reference tool. All volumes provide state-by-state coverage. Selected state statutes are included, as are important case law and legislation, charts and tables for comparison.
Book Synopsis Hit Me--I Need the Money! by : Marjorie M. Berte
Download or read book Hit Me--I Need the Money! written by Marjorie M. Berte and published by San Francisco, Calif. : ICS Press. This book was released on 1991 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The auto insurance mess is complex and politically charged. Even rates for good drivers have spiraled out of sight, and reforms have been blocked by special interest groups. In this timely guide, Berte offers bold solutions and strategies that will enable insurance buyers to reform the system.
Book Synopsis Rta Allegations of Fraud in a Post-Jackson Era by : Andrew McKie
Download or read book Rta Allegations of Fraud in a Post-Jackson Era written by Andrew McKie and published by . This book was released on 2016-10-24 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical, concise and easy to read handbook dealing with allegations of fraud in personal injury RTA cases. From LVI to alleged staged accidents, this book covers all the main fraud topics including relevant cases, law and practical guidance that can be used by both junior and more senior fee earners in day-to-day practice in this complex and evolving area of law. Fully updated in 2016 to include new sections in relation to: - Fundamental Dishonesty and Section 57 Update and relevant cases. The Recent Cases surrounding QOCS. Hayward v Zurich and reopening concluded settlements. QOCs and Alleged Fraud Costs Update. LVI - a more rigorous approach to litigation. The decision is Qader v Esure and Broadhurst v Tan and Costs Implications for Alleged Fraud cases. An analysis of the future of fraud litigation in practice. Updates on fraud cases and pleadings. Committal proceedings (an update).
Book Synopsis Auto Claims Without Attorneys by : Doug Fitzpatrick
Download or read book Auto Claims Without Attorneys written by Doug Fitzpatrick and published by Createspace Independent Publishing Platform. This book was released on 2015-11-08 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: Injuries from many auto accident claims are not serious enough to be of interest to attorneys who customarily represent clients on a contingent fee basis. Minor injuries result in modest settlements and even more modest contingent fees. Those with less serious injuries are left to go it alone with the claims adjuster. As a result, claims are settled for a fraction of what they're worth. This book provides an easy step-by-step approach to negotiate and settle a personal injury claim without the cost of an attorney. It includes appendices with sample letters and other very helpful materials. Drawing from Doug Fitzpatrick's years of experience as an instructor, private investigator, and attorney, the road map in this book will shed light on what needs to be done to get reasonably compensated by the insurance company without an attorney as well as the costs associated with legal representation. It is for the routine auto claim in which injuries are minor or modest, but restitution is nonetheless due and owing.
