................... Insurance Claimants And Policyholders :    Are You Having Problems Getting Paid On An Insurance Claim?    Or, Are You Buying Or Renewing Your Insurance And Finding That You Are Concerned And Asking Yourself Whether Your Insurance Company Will Cover You In The Event Of A Claim?    .... If So, FBIC Is Here To Help And To Let You Know That You Are Not Alone   ...   In Fact There Are Many Hundreds Of Thousands Upwards To A Million And More Claimants Across The U.S. Having To Hire A Lawyer To Get Paid On A Claim.   FBIC's Exclusive U.S. Plaintiff Insurance "FIND-A-LAWYER" Directory Is The Only Source Of Its Kind Where Claimants Can Find An Insurance Attorney In Their Local Area To Help, Advise And Represent Them.  Thousands Of Claimants And Policyholders Regularly Visit The Comprehensive FBIC Insurance Resource Center, The #1 Claim Related Consumer Insurance Source On The Internet.   Policyholders Are Able To Resource FBIC's Exclusive And Invaluable Ranking Information On Insurers Good Faith And Bad Faith Payment Of Claims Records And Related Information When Purchasing Or Renewing Their Insurance.   Policyholders And Claimants Are Able To Resource, Get Help And Assistance, Use FBIC's Exclusive Plaintiff Insurance FIND-A-LAWYER Directory And Also Submit An Insurance Complaint To FBIC Using The Online Website "Bad Faith Survey", The One Place Where Consumer And Business Insurance Claim Related Complaints Count ... And Much More!

• HEADLINE #1: (FBIC Reports) 2007 Claims Denials and Complaints for all lines of insurance continued to rise an average 7.8% (revised from 7.5% and up from an escalated 2006 rate of 6.0 %) along with increased demand and referrals for plaintiff lawyers. FBIC research indicates that the number of policyholder claims denials and complaints increased at escalated rates in 2007 for the following major lines of insurance and practice areas:
  
      Homeowner ↑ 11.2 % (up from an escalated 2006 rate of 9.0 %)
      Automobile ↑ 8.1 % (up from an escalated 2006 rate of 6.5 %)
      Health ↑ 5.9 % (up from an escalated 2006 rate of 4.3 %)
      Accident and Personal Injury ↑ 5.7 % (up from a 2006 rate of 4.6 %)
      Disability ↑ 12.1 % (up from an escalated 2006 rate of 9.0 %)
      Life ↑ 5.1 % (up from a 2006 rate of 4.4 %)
      Wrongful Death ↑ 6.7 % (up from a 2006 rate of 5.6 %)
      Property & Casualty ↑ 7.7 % (up from an escalated 2006 rate of 6.2 %)
      Workers Compensation ↑ 9.9 % (up from an escalated 2006 rate of 7.4 %)
      Business ↑ 5.7 % (same increase as the 2006 rate)
  
  FBIC sees claims denials and complaints for 2008 to continue to rise along with increased demand for plaintiff attorneys.
  
  
• HEADLINE #2: (An FBIC Exclusive) FBIC is near completion of a three year investigation, one leaked to FBIC by a whistleblower, concerning widespread fraudulent activities and the illegal inner workings from within one of America's largest group insurance companies and reinsurers. FBIC will announce this story shortly on this website, which involves billions of dollars of illegal and ill-gotten gains at the expense of policyholders. The story highlights in detail the real behind the scenes goings-on and illicit operations confirmed by numerous court documents and cases, and contributes (like none other before) to further expose just how widespread the fraudulent activities are within the insurance industry today . The whistleblower evidence confirms widespread use of bad faith insurance claims practices, pervasive falsifying of financial records, extensive defrauding of policyholders and claimants, claims being willingly and intentionally denied and not paid, lying to state insurance commissions, all as business usual and much much more. ....
  
  
• HEADLINE #3: (A First Coming Soon) The FBIC Good Faith And Bad Faith Insurance Company Rankings For (A) Auto Insurers (B) Homeowner Insurers (C) Health, HMO and Disability Insurers. Although there are several other companies that rate the financial well-being of insurance companies, FBIC is the only company to rank insurers on their claims payment/non-payment records. FBIC's lists represent the first time that insurance companies will be ranked by their willingness to pay claims (in good faith) or willingness to deny claims (in bad faith). ....
  
  
• HEADLINE #4: Your Complaint Against An Insurance Company Counts Big-Time At FBIC ....
  
  
• HEADLINE #5:  FBIC Supports Washington State Insurance Fair Conduct Act Passed By The Legislature And Brought To The Public For A Vote. The WA State legislature passed (Senate: Yeas 31, Nays 18. / House: Yeas 59, Nays 38.) the "Engrossed Substitute Senate Bill 5726 (ESSB 5726) concerning the Insurance Fair Conduct of Claims for coverage or benefits, and ordered it referred by Petition to the voters for a vote. The Bill makes it unlawful for insurers to unreasonably deny certain coverage and claims, and allows for payment of treble damages and attorney fees for violations. Some health insurance carriers are excluded. Presently, there is no penalty for delaying or denying policyholders valid claims. This Bill helps to make the insurance industry treat policyholders and consumers fairly and makes sure claims are handled fairly. The Bill has bipartisan officials and consumer groups support and as expected is opposed by the insurance industry and bad faith insurers. Washington is one of only 5 states with no penalty when the insurance industry intentionally denies a valid claim or when an insurer commits bad faith. FBIC recommends to the voters of Washington state that they vote "Yes" on Referendum 67 to pass the bill. Click here to view the official text of the bill. Tally of the results of Washington state voters on Referendum 67 on November 6, 2007: Congressional Bill ESSB 5726 was Passed into law by the voters. Thanks to support from FBIC's membership and website audience, Washington State Trial Lawyers Association and other interested groups and citizens.
  
  
• HEADLINE #6:  Current Insurance Industry Events Which Also Includes Complete Coverage Of NY State Attorney General (AG) Eliot Spitzer's Investigation And Charges Of "Widespread Insurer Fraud And Corruption", Illegal Practices And Criminal Activities Amongst The Larger Insurance Companies (Incl. Hartford, AIG, Etc.) Especially Where Independent Insurance Sales Agencies And Agents Exist In The Insurance Industry (State Farm And Allstate Use Their Own Agents) ... Along With Investigations By Other States' AGs And Various Other State And Federal Government Agencies. How Well Or How Poorly Will This Scrutiny Of Our Country's Larger And More Well Known Insurers (i.e. Hartford, AIG, Etc.) Stand Up To Probes That Just Scratch The Surface By These Various Agencies Probes? The Answer: "Shamefully Poor, Reflecting An Industry Pervasive With Widespread Fraud And Criminal Activities" That Harbors Much More Criminal Activities, Fraud And Corruption Yet To Be Exposed.  FBIC Reports On Current Events Of These Select Investigations Of The Insurance Industry's Darker Sides And More, Exposing The Illegal Practices, Civil And Criminal Charges Brought (Or Lack Thereof) Against Hartford, AIG, Marsh & McLennan, And More Insurance Companies By:
  
  

  States AGs (Attorney Generals) Offices

  SEC (Securities And Exchange Commission), DOJ (Department Of
     Justice), And Other Federal Agencies

  NAIC (National Association Of Insurance Commissioners), States DOIs
     (Department of Insurance), And Other State Agencies

  Other Related Investigations And Lawsuits Against Insurers

  Current Events And Goings-On In The Insurance Industry

  
  (FBIC Reports The Whole Story Covering Updates And News Breaks. Spitzer's And Other Agency's Offices Have Only Looked Into Fraudulent Activities In The 'Sales' End Of Hartford, AIG, Marsh & McLennan, And Many More Insurance Companies But Have Avoided The Criminally Intensive 'Claims' End Where It Is Very Well Known And No Secret That Widespread Fraud And Corruption By Companies Such As State Farm, Allstate, Hartford And Many Of The Major Insurers Are Far More Rampant And Pervasive And Knows No Bounds  ... Where States Regulatory Agencies' Insurance Department Commissioners Have Intentionally Looked The Other Way Shirking Their Responsibilities To The American People And State Citizens For Decades. In Another Area, The SEC (And DOJ) Has Limited Their Investigation Into Deceptive Finite Reinsurance Practices And Fraudulent Accounting Practices. Unfortunately, Much Much More Is Needed. Now What?  Will The States Insurance Regulatory Authorities Continue To Have Exclusive Regulatory Authority Over The Insurance Industry Or Will The Federal Government Step In To Share Their Much Needed Oversight Over Our Country's Out Of Control Insurance Industry?)
  
  
• HEADLINE #7:  WHO IS REALLY RESPONSIBLE FOR DENIED CLAIMS OR PAYING CLAIMS? This was the subject of a recent trial in Ohio whereby a jury found Centre Life Insurance and Disability Management Services, the defendants, guilty of breach of insurance contract awarding $429,400 in compensatory damages, guilty of bad faith insurance practices with an award of $1,130,000 and a punitive damages award of $3 million.
  
  FBIC researchers found three explosive 'legal' court documents from Stark County Ohio. The first document is brief and best describes one of the ways that an insurer-Centre Life f/k/a Massachusetts Casualty, a third party administrator -Disability Management Services a/k/a DMS, and an affiliate reinsurer-Centre Reinsurance, which owns 40% of DMS, work in combination to intentionally evade payment of legitimate claims ... even going as far as falsifying information to an insurance commission. The second document is a more lengthy deposition, that of the President of Centre Life Insurance Company. The third document is the bad faith and punitive damages jury award.  A copy of these three must read eyebrow-raising court documents are contained herein.
  
  
• HEADLINE #8:  Attention All America's Workers:  Now, Upon Settlement Of Workers Compensation (WC)  Claims, Insurers Want You To Pay Them Back For All $$$ Amounts, Medical Bills And Healthcare Costs They Pay Out On Your WC Insurance Benefits Coverage, Leaving You With $ Zero Or Worse Yet $ Owing ... Outrageous! In Congress H.R. 2830, Sect. 307 and a similar bill in the Senate does just that. As part of the Pension Reform Bill, insurers have succeeded in having a provision quietly added to the House version and passed which ensures in all cases that the insurance company providing healthcare services will be paid back first in the event of a settlement. An attempt by insurers to add this same provision to the Senate version must be STOPPED NOW or The American Public Will Lose. Thanks to:  American Association for Justice (fmrly ATLA), FBIC,  FBIC's members and website audience, Congressional Bill H.R. 2830, SECT. 307 Was Defeated.
  
  
• HEADLINE #9: Authoritative Insurance Industry "White Paper" Provides Substantiated Documentation, Conclusive Evidence And Undeniable And Irrefutable Proof That Large Claims Are Willingly And Intentionally Being Denied And Not Paid. It Further Supports FBIC Bad Faith Insurance Data That The Unlawful Non-Payment Of Legitimate Claims, Mass Denials Of Coverage, And The Widespread Use Of Related Breach of Contract and Bad Faith Insurance Claims Practices Is More The Norm If Not Standard Operating Procedure By Many Of Our Country's Largest Insurers.  The Authoritative "White Paper" Stands On Its Own As An Indictment To The Growth Of Unlawful Bad Faith Insurance Practices During The Past 2-3 Decades Which Today Has Reached Epidemic Proportions. It Is Authored By A Former New York State Superintendent Of Insurance And Former President Of The NAIC (National Association Of Insurance Commissioners). Read All (And We Do Mean All) About The Insurance Industry Behind Closed Doors That Americans Don't Know About And Is The Complete Opposite Of What They Want You To Believe ... Don't Miss This Comprehensive Major FBIC Feature Story.
  
  
• HEADLINE #10: Another Insurance Industry Insider And Former Insurance Commissioner Speaks Out And Says It Like It Really Is Inside The Insurance Business And Industry, As He Shares His First-hand Knowledge And Experience With Us.  His Generous Documentation Confirms The Deceptive Sales Practices, Unlawful Mass Denied Claims And Widespread Denials Of Legitimate Claims Not Paid, The Pervasive Breach of Contract and Bad Faith Insurance Claims Practices Being Used By Many Of Our Country's Leading And Largest Insurers. In Support Of FBIC Bad Faith Insurance Claims Practices Facts, Statistical Data And Allegations, This Former Pennsylvania State Insurance Commissioner, Insurance Industry Former Insider And Advocate Tells It All ... Don't Miss His Compendium Of Articles, Advice And Insight Into The Insurance Industry And It's Practices. All American Consumers Should Recognize And Thank This Insurance Industry Insider For Being Brave Enough To Come Forward And Tell Us All About The Way It Really Is Behind The Wall Of Silence Of The Insurance Industry.
  
  
• HEADLINE #11: View Professionally Produced Videos And Investigative Exposés By The Major Television Networks (Free Of Charge On This Website) And See With Your Own Eyes Some Of The Common Bad Faith Insurance Claims Practices And The Extent That Major Insurers Are Involved In Widespread Corruption And Illegal Activities Involving Claims That Are Willingly Denied And Not Paid. The Videos Reveal Well Known Major Insurers Caught In The Act Of Committing Illegal And Deceptive Acts, And Phony Schemes Repeatedly Utilized By Numerous Bad Faith And Major Insurers To Deny Coverage And Not Pay Legitimate Claims ... Watch Them And You Be The Judge ....
  
  
• HEADLINE #12: Managed Healthcare Watch ... FBIC Reports On Bad Faith Insurance And Fraudulent Breach of Contract Activities By Managed Healthcare Companies And Their Partners ....
  
  
• HEADLINE #13: Medicare And The 2003 Prescription Drug Act Watch ... FBIC Reports On The Status Of Medicare And Frauds Committed Against Medicare.  FBIC Further Reports On The Medicare 2003 Prescription Drug Act As It Plays Out ... The Missed Steps Right From The Start Includes: (1) A Spendthrift Unnecessary $10B-$12B Financial Windfall Payment To Managed Healthcare Insurers With No Prescription Drug 'Insurance' Plan Or 'Insurance' Coverage?    (2) An Agreement Not To Negotiate Volume Discount Deals Or The Lowest Prices With Drug Companies, And Its A Prescription Drug Discount Card? (3) With No Medicare Plan Insurance And Unable To Negotiate Volume Discounts From Manufacturers, What Kind Of A Medicare Prescription Discount Drug Plan (Or Scam) Is This For America's Seniors? ....
  
  
  
   ****************************************************************** 
  
  

  ..... COMING TO FBIC .....

  ... THE FBIC RANKED BAD FAITH INSURERS FOR CLAIMS WILLINGLY NOT PAID/DENIED, AND GOOD FAITH INSURERS FOR CLAIMS WILLINGLY PAID ...
  
  300+ P&C Groups (Auto, Home, Workers Comp., Accident, PI, Business, Etc.)
  200+ Health & Life Groups (Life, Health, HMO, Disability, LTC, Etc.)
  2000+ P&C Companies (Auto, Home, Workers Comp., Accident, PI, Business)
  1000+ Health & Life Companies (Life, Health, HMO, Disability, LTC, Etc.)

  IN LATE-STAGE DEVELOPMENT AND WEB CONSTRUCTION
  
  

  * The FBIC Ranking '300+ Property & Casualty Groups' Bad And Good Faith Insurers, Notes On System Methodology And Research Sources.  (Includes Auto, Homeowner, Workers Compensation, Business, Accident, Personal Injury, Etc. Lines of Insurance). Ranking List Updated Quarterly. All Rights Reserved.
  
  

  * The FBIC Ranking '200+ Health & Life Groups' Of Bad Faith And Good Faith Insurers, Notes On Rankings, System Methodology And Research Sources.  
  (Includes Health, Life, HMO, Disability, LTC, Etc. Lines of Insurance).
  Ranking List Updated Quarterly. All Rights Reserved.
  
  

  * The FBIC Ranking '2000+ Property & Casualty Companies' Bad And Good Faith Insurers, Notes On System Methodology And Research Sources.  (Includes Auto, Home, Workers Compensation, Business, Accident, Personal Injury, Etc. Lines of Insurance). Ranking List Updated Quarterly. All Rights Reserved.
  
  

  * The FBIC Ranking '1000+ Health & Life Companies' Bad Faith And Good Faith Insurers, Notes On Rankings, System Methodology And Research Sources.  
  (Includes Health, Life, HMO, Disability, LTC, Etc. Lines of Insurance).
  Ranking List Updated Quarterly. All Rights Reserved.
  

  * To View FBIC Ranking System Research Sources, Methodology, Click Here.   ********************************************************** 

  ..... NOW AND ALWAYS AT FBIC .....

  ..... YOUR INSURANCE COMPLAINT COUNTS BIG-TIME AT FBIC .....

  Attention Insurance Claimants And Policyholders ...
  At FBIC, Your Bad Faith Insurance Claims Related Complaints
  Against Insurers Count Big-Time ... No Where Do They Count More.
  Click Here To Submit Your Online "Bad Faith Survey" Complaint Today!

   ********************************************************** 
  
  

  FREE PUBLIC VIEWING: PLAYING ONLY AT THIS WEBSITE

  View "Emmy Award Winning" Investigative Videos, Exposés Of Insurers Caught Committing Bad Faith Insurance Practices

  View For Yourself Insurers Engaged In Incriminating Schemes, Deceptive Acts And Other Bad Faith Insurance Practices ... And You Be The Judge!

  
  The following investigative exposés and videos, produced and broadcasted by the network television and cable media, uncover numerous examples of common and widespread bad faith insurers fraudulent actions and unlawful schemes to deny claims. Representing just the tip of the iceberg, for years they have been suppressed and kept secret as much as possible to the point that they have been little known by many and unaware by much of the Public, that is until now and in recent years as they have become more pervasive. Today, breach of contract and bad faith insurance practices have become so common and widespread by so many of our country's leading insurers, that they plague the industry and have become a serious industrywide problem. Bear in mind that the activities by the insurers exposed in the following videos herein are highly illegal but yet no congressional or enforcement authority have acted on them. This is why we ask consumers to buy insurance from Good-Faith insurers and not to buy from Bad-Faith insurers as this is the only way the American Public can take back it's power and stop insurers from victimizing all Americans, policyholders and claimants.
  
  The following videos on this website are free for the public to view. They are made available by FBIC for non-commercial educational purposes only .... copying is strictly prohibited.
  • "The Paper Chase" became one of the most honored broadcasts in journalism history, and it's for good reasons that only this website is believed to have the original broadcast for your viewing. View this well known Award winning investigative exposé, which reveals an example of an illicit system designed to intentionally deny claims, in this case a myriad of fraudulent IME bias and deceptive medical paper review schemes, and illegal bad faith insurance claim practices by insurer, State Farm. It is viewed in 4 Parts. Click to view each Part, one at a time (each Part plays about 15 minutes): Part 1, Part 2, Part 3, Part 4. (NBC Dateline)
  
  
  
  • An investigative exposé, "MIST" (for Minor Impact Soft Tissue Injury) reveals what FBIC has been expounding since it's website debut in 1998, that major insurers' mass denials and not paying claims is widespread. This investigative report, which includes secret documentation and proof uncovered by CNN, confirms that mass denials and widespread non-payment of claims was/are conducted as business usual by State Farm and Allstate Insurance Companies ... Farmers Insurance as well as "other insurers" are also implicated. These related bad faith insurance practices admittedly have been going on by FBIC alleged bad faith companies such as Hartford and other insurers since earlier in the 1990s. (There is a momentary interlude where CNN diverts from the report ... please excuse and fast-forward through it as it returns in a minute to the insurance segment.)  This investigative report is viewed in 2 Parts. Click to view each Part, one at a time: Part 1, Part 2. (CNN/Anderson Cooper 360 )
  
  
  
  • View the investigative segment called "Did Insurer Cheat Disabled Clients" which reveals and exposes examples of illegal practices and the fraudulent mass denial of claims actions against insured disability claimants by UnumProvident, the country's largest disability insurer. The exposé includes interviews and admissions attesting to the alleged pattern of illegal actions taken by employees in response to pressure by the Insurance Company to deny claims as well as testimony and further confirmation by the Insurer's former medical director as to the Company's repeated breach of contract and bad faith insurance claim practices and mass denial of claims policy. Click here to view (CBS 60 Minutes)
    
    
  • View the investigative exposé called "Benefit Of The Doubt" which reveals and exposes examples of the illegal mass denial of claims and fraudulent bad faith insurance claim practices by the country's largest disability insurer, UnumProvident. Click here to view (NBC Dateline)
    
    
  • View an undercover investigative exposé called "Allstate" involving Allstate Insurance Company which reveals another example of insurers committing illegal bad faith insurance practices advising claimants not to hire an attorney. Click here to view (ABC News Primetime)
    
    
  • View an investigative exposé called "Breaking The Mold" regarding a homeowner policyholder and toxic mold claimant revealing examples of the bad faith insurance claim practices by numerous bad faith insurers, in this case Farmers Insurance, and the damaging effects on the family. Click here to view (CourtTV)
    
    
  • View "Dangerous Liaisons", an investigative video exposé revealing some of the behind the scenes examples of blatant complicit, illicit and personal self-enrichment dealings by state DOI Commissioners, in this case involving former California DOI Commissioner Chuck Quackenbush in reference to six major insurers (incl. 20th Century, State Farm, Allstate, Farmers Insurance Group, Fireman's Fund, and Farmers Home Group) regarding California's 1994 Northridge earthquake victims. To this day because of these dealings, many claimants were never and/or have yet to be properly compensated. Click here to view (NBC Dateline)
    
    
  • View an "Eye On America Investigation" report regarding an example of an insured who made a claim on his homeowners policy to his insurer, State Farm, and see the price that the policyholder paid as a result for making a claim. The video also exposes the little known and secretive "big-brother-like" insurance industry database system C.L.U.E. (Comprehensive Loss Underwriting Exchange). The system maintained by the industry is purported to contain "all" information on policyholders, as well as each and everyone of us ... find out about it and view it here. Click here to view (CBS Evening News)
   ************************************************************** Help The Many Insured Americans, Individuals, Families And Children Put In Desperate Need, Made Homeless Or Left Disabled As A Result Of A Denied Or Unpaid Covered Claim Due To The Growing Pervasiveness Of Bad Faith Insurance Claim Practices And The Mass Denial Of Claims By Bad Faith Insurers!
  It Could Very Easily Happen At Any Time To Anyone Including Yourself.
  Make A Difference Now And Help Stop Bad Faith Insurance From Happening, Support The FBIC Movement, 'Click Here' And Make A Tax-Deductible Donation.
   ************************************************************** 
   

  Section 2
  
  Bad Faith Insurance Claim Practices
  ("Click here" to go to Bad Faith Insurance Claim Practices)
   

   ************************************************************** 
  ..... FBIC FYI .....

  
  FBIC Membership Is Free To Victims Of Bad Faith Insurers. FBIC welcomes all who are victims of bad faith insurers to become a member (its free and only takes a minute or two) by completing FBIC's online Bad Faith Survey.

  
  FBIC Membership And Tax-Deductible Donation Information.   FBIC is incorporated and is classified by the I.R.S. as a charitable educational non-profit 501(c)(3) organization. FBIC's online web site information and services are provided free to the Public. To those of you who have been lucky up until now not to have bad faith insurance happen to them, and for those concerned about their fellow Americans who have been and have become the victims of bad faith insurance, and the increasing likelihood of bad faith insurance happening to themselves, their family, friends, relatives or next of kin, FBIC asks for your support by making sure that you only buy insurance from good faith insurers and not from bad faith insurers, and for your help by
  
  

  Making a Donation
  
  on FBIC's secure online server where Visa, MasterCard, American Express, Discover cards are accepted.
  
  By making a donation you automatically become a member of FBIC and your donation will immediately go to work in helping FBIC help its many financially and physically challenged members and victims, many of which have lost everything, become disabled and found themselves in dire straits with no help because of bad faith insurers ... donations also make it possible for FBIC to continue to make the great strides that it has in the past years bringing attention and heightening awareness in fighting back to stop the mass fraudulent practice of bad faith insurance. (FYI, donations can also be made anonymously and without inclusion or membership as requested if that be the donor's preference). Donations made to FBIC are tax deductible and play a critical role and important part in making it possible for FBIC to carry out its mission, help aid victims of bad faith insurance and make those who are responsible at bad faith insurer companies accountable for their illegal and fraudulent actions which effects all of America, all of its citizens, businesses and our local, state and federal governments. You can show your support and help by making a donation right now by clicking on Make A Donation Today ... we thank you for your help and support and for making this tax deductible donation today.
  
  FBIC Thanks You In Advance For Your Help And Support As Its Only Through Our Hard Work Since Our Inception In 1996 And Your Donation That We Have Been Able To Make The Great Initial Strides That We Have In Helping To Meet Our Most Difficult Objectives And By Your Helping Us To Reach Our Goals ... Together We All Win!

  
  FBIC Contact Information, Who We Are And What We Represent.   FBIC (Fight Bad-faith Insurance Companies) comprise a cross-section of successful business people, professionals and other individuals s networked throughout the United States who have one thing in common ... they all have or had legitimate claims that were denied by bad faith insurers to include major insurers, such as Hartford, State Farm, Allstate and many more, who started them on the most abusive, deceptive and illegal merry-go-round rides of their lives many of which are in the courts for more than ten years collecting interest on cases that were already decided by the trial courts years ago but the insurers just don't want to pay.  So the insurers lawyers have been given the task to intentionally delay and drag out the cases, putting off payment for as long as possible .
  
  FBIC wants to help Policyholders and Insureds in every way possible but the costs associated with telephone support and regular mail support are just too costly. The FBIC website has been developed and is still very much an expanding work-in-progress many years after it's inception.  FBIC is prudent and cost conscious. By making online resources and email available helps to keep our operation costs low and efficiency high, makes it so we can be more responsive, help and do our best to serve the U.S. Bad Faith Insurance Community's needs.
  
  For a number of our earlier years, there were those few that expressed concerns that this site might be something other than what it appears, such as some sort of cover for an insurance company or the insurance industry, be assured that there is no hidden agenda and that no individuals from FBIC are connected either with the insurance industry, an insurance company, brokerage, agency or agent, a company that legally represents an insurance company or a business entity of the insurance industry. FBIC does not sell insurance or certify, endorse or warrant insurance products, companies, brokers, agents or vendors and is not a referral service.
  
  FBIC members are Americans, are a diverse group and among the greatest people in the U.S. FBIC members are males and females, both young and senior, rich and poor, some with professional and others non-professional backgrounds, white and blue collar, and of all colors, races and creeds that want and believe in working towards a "true" "honest" and corruption-free and bad faith-free insurance industry (not to exclude the same for a democratic system of government, a justice system built on equality and accessibility for all, an honest, corruption-free and prosperous system of business and capitalism, and a social system that is based upon "equality and fairness" for all such as the founding forefathers of this great country would have wanted ... and hopefully one that would believe in "The Real American Way" as a way of life at the very least had no children living in poverty and where all Americans knew both self-respect and respect for others) and that this site is exactly what it honestly represents it is, A Consumer Advocacy! E-Mail comments to:

  MyBadFaithStory@badfaithinsurance.org
  Webmaster@badfaithinsurance.org
  Admin@badfaithinsurance.org
  
  
  

   ********************************************************** 
  FBIC is Supported and Funded by Contributions from the Public
  Click Here To Support FBIC And Make A Tax-Deductible Donation Today
  
   ********************************************************** 

  ..... LEGAL DISCLAIMER ALWAYS AT FBIC .....

  The following is not meant or offered as legal advice nor should be construed as such. FBIC is a consumer medium and advocacy and is neither a court of law nor legal counsel. In order to establish whether an insurer is in violation of "Bad Faith", "Unfair Insurance Claim Settlement Practices", "Deceptive Insurance Sales Practices" and/or other pertinent laws or statutes, and is not acting in "Good Faith", must be decided and is determinable by a court of law. Alleged violation(s) of these laws are subject to a court's interpretation of the specifics of your case and the laws as they may relate to applicable state statutes, other relevant statutes and case laws which may vary in some states. When in doubt, consult your state's Bad Faith Insurance Claim Practices Statutes and other pertinent applicable statutes that may apply, consult and reference case laws and key court interpretations. Most importantly, if you feel your insurer may be guilty of Bad Faith, Unfair Claims Settlement Practices and/or other pertinent illegal insurance practices and you feel you require legal advice, you should seek legal counsel from a licensed attorney admitted in good standing in your state or jurisdiction who is knowledgeable and familiar with the issues raised. Any reference on this website page and/or website to "Bad Faith" Insurance Practices or alleging to violations of law, such violations of law can only be determined as such by a recognized and authorized court of law. Such reference is provided herein for educational and public awareness purposes.
  To read our general website legal disclaimer and copyright, click here.

  
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