| In co-dependence denial the greatest ignorance is to reject substantive matter out of hand, yet insurance policyholders do it as preset course, unaware of their vulnerability till often too late.
The question is when will the 99% change course? The answer is when they are good and ready. |
This book is written to bring into sharp focus the duties, rules, and rights of both the company and the policyholder. And, most importantly, to provide preparedness and wherewithal for a policyholder to deal with an insurance adjuster.
Although the cumulative work of the insurance claims industry provided the nucleus, it is the need for public access and dissemination of information that germinated the seed. The encouragement and support of my family and friends, along with the following references, helped make this book a reality: F.C.&S. Bulletins; 165 Lines, Jesse Bacalis; N.A.I.C. Unfair Practices Model Regulation; California Insurance Code; The Art of Negotiating, Gerard I. Nierenberg; Standard Policy Wording; Handling Basic Insurance Claims, Massachusetts Academy of Trial Attorneys; Millers Standard Insurance Policies Annotated, Susan J. Miller and Philip Lefebvre; Freedman's Richards on the Law of Insurance, Warren Freedman; Insurance Dictionary, Michael C. Thomsett; Couch Cyclopedia of Insurance Law; What You Need to Know to Settle With Insurance Companies, Thomas H. Veitch; American Bar Association Policy Annotations.
Privileged adjusting interpretations, rules on unfair practices and claim principles are the essence of policyholder responsibilities and rights. They deserve the light of day. "The public has a right to know. . .", especially considering the public is directly involved and made to carry the burden of proof. There are many worthy analogies. However, the one that comes to mind is the card dealer who is not only self-appointed, but oddly enough is the only one privy to the rules of the game. Suddenly by some stroke, the other players are given to know the rules and have an equal say in the deal. Full preface in the book, "Policy Ensurance"
