Zalma on Insurance
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Insurance Claims professional presents articles and videos on insurance, insurance Claims and insurance law for insurance Claims adjusters, insurance professionals and insurance lawyers who wish to improve their skills and knowledge. Presented by an internationally recognized expert and author.
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March 25, 2024
Passover Begins on April 22, 2024

Posted on March 25, 2024 by Barry Zalma
“The Passover Seder For Americans”

See the Full Video at and at

My family will, starting on April 22, 2024 will tell the story of the Passover using the book my wife and I wrote for our family.

I have published the book on Amazon for the smallest price they would print and ship the book for so you can afford to get enough for your family to run a Seder in English.

For more than 3,000 years Jewish fathers have told the story of the Exodus of the enslaved Jews from Egypt. Telling the story has been required of all Jewish fathers. Americans, who have lived in North America for more than 300 years have become Americans and many have lost the ability to read, write and understand the Hebrew language in which the story of Passover was first told in the Torah.

Passover is one of the many holidays Jewish People celebrate to help them remember the importance of G_d in...

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April 26, 2024
It is Nuts to Assume You are Covered

Driver Must Request UIM Coverage

Read full article at https://lnkd.in/ggKkFa7J, see the full video at https://lnkd.in/g7Fdj2kF and at https://lnkd.in/g5HS52JW and at https://zalma.com/blog plus more than 4750 posts.

Post 4748

Kimberly Rogers appealed from a judgment of the Fayette Circuit Court granting Lyft, Inc.’s motion for summary judgment, Allstate Insurance Company’s motion for summary judgment, and Erie Insurance Exchange’s motion for judgment on the pleadings. In Kimberly Rogers v. Erie Insurance Exchange; Allstate Insurance Company; and LYFT, Inc., No. 2023-CA-0447-MR, Court of Appeals of Kentucky (April 19, 2024) the Court of Appeals resolved the dispute.

FACTS

Kimberly Rogers was a driver for Lyft, Inc. (Lyft) and was involved in an automobile accident with another motor vehicle. Rogers apparently suffered substantial physical injuries. The driver of the other motor vehicle negligently caused the accident and was insured by State Farm Automobile Insurance Company (State Farm). State Farm paid Rogers the...

00:07:54
April 25, 2024
Choking a Friend to Death Not a Covered Loss

Coverage Limited to Conduct of Business of Insured

Read the full article at https://lnkd.in/g4sDVGan, see the full video at https://lnkd.in/gaU3jvXZ and at https://lnkd.in/gFKrsvw7 and at https://zalma.com/blog plus more than and more than 4750 posts.

Post 4787

Jodi Greenlaw, as personal representative of the estate of her late husband Philip J. Greenlaw (collectively, the Estate), appealed from a judgment of the Superior Court granting a motion for summary judgment filed by MMG Insurance Company (MMG) on MMG’s complaint seeking a declaratory judgment that it had no duty to indemnify Joseph McNeely, a close friend of Greenlaw, in a separate wrongful death action that the Estate filed against McNeely after Greenlaw’s death.

In MMG Insurance Company v. Estate Of Philip J. Greenlaw et al., 2024 ME 28, No. Cum-23-228, Supreme Court of Maine (April 18, 2024) the Supreme Court interpreted the policy as written.

BACKGROUND

In 2019, McNeely operated, as sole owner, a landscaping business called Cutter’s Edge Lawn ...

00:07:18
April 24, 2024
Agent Binds Principal

Rejection of UIM Cover by Agent Valid

Read the full article at https://lnkd.in/gH_jX9bZ, se the full video at https://lnkd.in/gFP5pPHU and at https://lnkd.in/gv-zXXTW and at https://zalma.com/blog plus more than 4750 posts.

Post 4786

IBrandon Lawrence appealed the trial court’s order finding Progressive Northern Insurance Co. (Progressive) made a valid, meaningful offer of underinsured motorist (UIM) coverage to his agent, Ashley Outlaw.

In Progressive Northern Insurance Co. v. Brandon Lawrence and Ashley Outlaw, No. 2024-UP-127, Appellate Case No. 2020-001245, Court of Appeals of South Carolina (April 17, 2024) the Court of Appeals explained the law of agency and its relationship to insurance.

FACTS

From 2008 to 2013, Lawrence and Outlaw lived together in the same house with their son; they never married. They split the household expenses, but Outlaw paid the bills and took care of any insurance needs. On August 19, 2009, Outlaw purchased an insurance policy from Progressive to cover Lawrence’s motorcycle; ...

00:08:47
11 hours ago
Telling the Truth Can't Be Defamatory

After Health Provider Entity's Management is Arrested for Fraud Reporting Suspicion to Beneficiaries is not Defamation

Read the full article at https://lnkd.in/gvC28cS4, see the full video at https://lnkd.in/giQW_bJK and at https://lnkd.in/gYSqE46x, and https://zalma.com/blog plus more than 4750 posts.

BrainBuilders, LLC appealed from an order granting summary judgment in favor of defendants Optum, Inc., et al (collectively, defendants) in Brainbuilders, LLC v. Optum, Inc., Optum Services, Inc., et al, No. A-0621-22, Superior Court of New Jersey, Appellate Division (April 19, 2024) resolved claims of defamation.

FACTS

Letters dated July 25, 2017 and August 2017 sent by the Optum entities to BrainBuilders' patients following an investigation into purported fraud by individuals associated with BrainBuilders.

BrainBuilders provides healthcare services to children on the autism spectrum. As an out-of-network or non-participating healthcare provider, BrainBuilders receives reimbursement for claims only if a patient's health ...

April 01, 2024
Zalma's Insurance Fraud Letter - April 1, 2024

Read the full article at https://lnkd.in/gvKdq6Qc and at https://zalma.com/blog and the full article in pdf at https://lnkd.in/gBj_3yVw plus more than 4750 posts.

ZIFL-04-01-2024 Volume 28, Number 7

Post 4766

Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma.

This month's issue contains multiple articles for the insurance fraud professional and the insurance claims professional. The current issue can be read in full at https://lnkd.in/gBj_3yVw and includes the following articles:

Prison Employee Commits a Crime She Was Employed to Prevent

GUILTY OF WORKERS’ COMPENSATION FRAUD

On January 10, 2022, defendant Tiffinie Marvell Jones was convicted by a jury of one count of insurance fraud. Jones filed a motion for a new trial, which was denied. On appeal, Jones argued that there was insufficient evidence to support the verdict, that her trial counsel provided ...

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March 27, 2024
Red Flags of Insurance Fraud

Indicators of Insurance Fraud are Investigative Tools

Barry Zalma
Mar 27, 2024

Read the full article at https://lnkd.in/gvtv9gCz where you can see more red flags, see the full video at https://lnkd.in/gMirVfZc and at https://lnkd.in/g2ndng5r and at https://zalma.com/blog plus more than 4750 posts.

Post 4763

Suspicious claims have common attributes. Insurers and their anti-fraud organizations have collated the common attributes into lists of indicators or red flags of fraud. The lists were created as training aids and to be used to determine whether further investigation is required to determine if a claim is legitimate or false and fraudulent. Continually growing, these lists are known as the “red flags” or “indicators” of fraud lists. There are many different categories, ranging from those associated with the claim itself or with insureds to indicators of specific types of fraud, such as bodily injury fraud or arson for profit.

If, when assessing a claim, three or more red flags are found the need for further investigation should be considered and evaluated by the claims person, a supervisor and the insurer’s special investigative unit. The...

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