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Insult to Injury; Insurance Fraud and the Business of Bad Faith - How Insurance Companies Have a License to Steal Form You

Ray Bourhis

$59.99

Hardback

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English
Berrett Koehler
01 January 2018
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.
By:  
Imprint:   Berrett Koehler
Country of Publication:   United States
Dimensions:   Height: 242mm,  Width: 165mm,  Spine: 26mm
Weight:   554g
ISBN:   9781576753491
ISBN 10:   1576753492
Pages:   275
Publication Date:  
Audience:   Professional and scholarly ,  Undergraduate
Format:   Hardback
Publisher's Status:   Active
Introduction 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

Ray Bourhis was involved with the Domestic Peace Corps in his post-collegiate years, and then joined Senator Robert F. Kennedy's staff in 1968. After receiving his law degree he was engaged in civil trial practice specialising in insurance coverage and bad faith litigation.

Reviews for Insult to Injury; Insurance Fraud and the Business of Bad Faith - How Insurance Companies Have a License to Steal Form You

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


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