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Product Identifiers
PublisherBerrett-Koehler Publishers, Incorporated
ISBN-101576753492
ISBN-139781576753491
eBay Product ID (ePID)46602456
Product Key Features
Book TitleInsult to Injury : Insurance, Fraud, and the Big Business of Bad Faith
Number of Pages288 Pages
LanguageEnglish
Publication Year2005
TopicBusiness Ethics, Torts, General, Insurance / General
IllustratorYes
GenreLaw, Business & Economics
AuthorRay Bourhis
FormatHardcover
Dimensions
Item Height1 in
Item Weight19.9 Oz
Item Length9.1 in
Item Width6.5 in
Additional Product Features
Intended AudienceTrade
Reviews"Ray Bourhis continues his strong commitment to justice by successfully taking on the insurance industry and criminal fraud in this compelling case study. He makes clear that we need to do much more to end the shameful abuses of the current system and guarantee honorable insurance coverage for every American." --Senator Edward M. Kennedy "What has happened to Joan Hangarter--and so many others like her--is a grave injustice.... Readers of this book should urge their congressional representatives to force the big insurance companies to honor their obligations just as the holders of those policies honor theirs." --John Garamendi, Insurance Commissioner, State of California "Painstakingly documented, hilarious, and insightful. A seething indictment of the out-of-control insurance industry and its friends in Congress and on the U.S. Supreme Court who have given it a green light to defraud Americans." --Amy Bach, Executive Director, United Policyholders
Dewey Edition22
Dewey Decimal345.730263
Table Of ContentIntroduction False Profits Licensed to Steal So Sue Me Go Figure The Seventh Amendment Open Fire... So Help Me God Pinpricks and Pretexts Customer Care Fact or Fiction ...Some with a Fountain Pen A Message Liar's Dice Friends in High Places Kick in the Assets Claims Games Afterword Exhibits Further Reading Notes Glossary Bibliography Index About the Author
SynopsisThrough a case study in bad faith double-dealing by insurance providers, attorney Bourhis reveals the mindset that drives illegal practices, how low-level employees are duped into unethical conduct, and how insurers manipulate data and witnesses in the few cases that do go to trial., 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., 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., Joan Hangarter bought a disability policy in 1990 to protect her in case of serious illness. When she did become disabled a decade later, she ended up homeless and on welfare when the company refused to pay. With the help of her attorney, Ray Bourhis, she fought back, winning a $7.7 million verdict against the company. In "Insult to Injury, Bourhis walks readers through this case study in bad faith double-dealing by insurance providers. Bourhis, a national champion of policy-holder rights, uses an engaging narrative style to reveal the back-room strategic mind-set that drives these illegal practices, how low-level employees are duped into unethical conduct, and how insurers manipulate data and witnesses in the few cases that do go to trial. He also explains the key regulatory oversights that encourage such corruption, and how the American legal system actually facilitates insurer fraud. "Insult to Injury closes with a roadmap to reform -- advice no one who holds a policy can afford to ignore.
LC Classification NumberKF1301.5.I56
