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Reference Library

Bad Faith Insurance Has Grown Rapidly To Epidemic Proportions And In Spite Of Insurance Company Efforts To Keep Their Bad Faith Practices Quiet And Distanced From The Public, Information On The Growing Number Of Pervasive Bad Faith Related Cases And Court Verdicts Are Becoming More Available And Known To The Public. .......... The American People Demand That The Justice Department Investigate Insurance Companies For Their Bad Faith Non-Payment Of Claims And Other Unfair Claims Practices ....  They Only Need To View The FBIC Website Video Exposés And Read The Numerous And Increasing Number Of Depositions By Insurance Company Officials Testifying In Court That Verify In Their Own Words How They And Their Insurance Companies Hoodwinked The Policyholders And Claimants ....  The American People Demand That Congress Stop The Pervasive Bad Faith And Unfair Claim Practices Of Insurance Companies And Bring Those Responsible For Their Illegal Actions To Justice!  

Bad faith insurance has rapidly grown and become a pervasive and very serious mainstream problem that threatens all Americans and all business interests. Up until now, the only way for individuals, businesses and related claimants to collect on a denied claim has been to fight the bad faith insurance companies in court. The common practice of "vacatur" has minimized the availability of reference materials on the subject of bad faith insurance by an estimated 50-80% but as the use and practice of bad faith practices has become so widespread, there has been a marked increase in articles, etc. on the subject since 1999. (For more on "vacatur", click here).

Because bad faith insurance practices have grown to widespread proportions and become such a common practice, a growing and increasing number of reference materials have been published and produced on the subject of bad faith insurance since 1999-2000.  Please make us aware and let us know the source of any reference materials on bad faith insurance that we don't have using the following email link librarian@badfaithinsurance.org.

(Note:  Some of the following articles are in Adobe " PDF " format.  You will need "Adobe Reader" to be able to view the articles in " PDF " format.  To download a free version of Adobe Reader, click here. )

Reference Library - Table Of Contents *
(Click on each underlined "category" below for a list of articles available for viewing)
 

* (Note: Although we try to prevent obvious errors or mistakes, we do not accept responsibility for any error, typo or information that may not be accurate.  Reference and read our Legal Disclaimer and Copyright.  All insurance policyholders, claimants, complainants, plaintiffs and all consumers should never construe or accept anything as legal advice, including that incorporated herein, without consulting a lawyer and furthermore know that only a lawyer can give legal advice.  If you need the legal advice of an attorney or need a lawyer to represent you in an insurance related matter, click on FBIC's Plaintiff Insurance "Find-A-Lawyer Directory".)



'INSIDER' HEADLINE:  Authoritative White Paper Confirms Industrywide Problem: No Large Claims Being Paid


Note:  The insurance industry trade referenced 'White Paper', substantiates and documents irrefutable and undeniable evidence and proof as to the past occurrences and present existence of bad faith insurance which remains unchallenged by the insurance industry and will remain so because the underlying basic premises of the piece are so well documented that it is beyond the abilities of even the most accomplished and mastered liars for the most powerful and rigged system in America to be able to argue against.  Other than silence by the industry in hopes not to bring attention to the controversial document, the only response by the industry has been by a few trade press publications that have admittedly indicated their suspicions of the existence of bad faith for a long time as their published responses are all in complete agreement with the white paper document.  'All' related insurance industry trade press reviews and commentaries that are known to exist are included below.  The authoritative white paper document has never before been exposed, revealed or shown to the American Public.  Maintained as one of the industry's most closely guarded secrets, it took FBIC two years before it became aware and was able to secure a copy of the industry's most closely guarded document, uncover and expose what comes down to an admission of guilt by the most secretive and powerful industry of our times.  Appropriate of its trade orientation focus, the white paper is entitled "The Loss Of The Certainty Effect".  (Had it been published for the American Public's consumer eyes to see, it would have been more aptly entitled "The Loss Of Good Faith Insurance" or "The Loss Of Insurance Paying Claims".)  The white paper described by many within the industry as a "brilliant masterpiece" is co-authored by two insurance industry 'insiders' and top-most leaders, Richard E. Stewart and Barbara D. Stewart. To view Richard E. Stewart's Bio click here.  To view Barbara D. Stewart's Bio click here. The White Paper along with 'all' related trade press reviews and commentaries available are included herein and follow.

  • "The Loss Of The Certainty Effect" by Richard E. Stewart and Barbara D. Stewart.  Risk Management and Insurance Review.  Click here, to view the original article in its original format.
    •   (PDF format)
  • Insurance industry trade press publication review and commentary (of "The Loss Of The Certainty Effect" written by the Stewarts) called "A Death Spiral?" written by Editor H. Felix Kloman,   published by Risk Management Reports, June 2002.   Click here to view the review and commentary "A Death Spiral"?
  • Insurance industry trade press publication review and commentary (of "The Loss Of The Certainty Effect" written by the Stewarts) from "IRMI Update" June 18, 2002 written by Jack P. Gibson, President and Editor, published by International Risk Management Institute.   Risk Management Magazine, February 2003.   Click here to view the review and commentary "The Decline of Certainty".
  • An independent insurance industry trade press publication review and commentary (of "The Loss Of The Certainty Effect" written by the Stewarts) is entitled "The Non-Payment Of Insurance Claims" written by editor Joseph M. Belth, PhD as published by The Insurance Forum, October 2002 Edition.  At The Insurance Forum's special request to meet their format, the Stewart's prepared "a shortened, non-technical version" of "The Loss Of The Certainty Effect" for publication in The Insurance Forum".  The abridged version of "The Loss Of The Certainty Effect" written by the Stewarts and published by The Insurance Forum along with The Insurance Forum's review and commentary entitled "The Non-Payment Of Insurance Claims" are both published in The Insurance Forum's same October 2002 Edition.  The edition is available for purchase directly from The Insurance Forum by contacting them through their website (www.theinsuranceforum.com).  The Insurance Forum's review and commentary is also in full agreement. As quoted from their commentary, Belth states "I have known and respected the Stewarts for many years. I first met Mr. Stewart shortly after he was appointed Superintendent of Insurance in 1967 by Governor Nelson A. Rockefeller of New York. I found the article provocative. In my view, the implications of widespread claim denials extend well beyond commercial property-liability insurance lines. I think many of the ideas presented by the Stewart's also apply to such individual lines as medical expense insurance, disability income insurance, homeowners insurance and automobile insurance." (Of FBIC note: FBIC research and data confirms Mr. Belth's insight in this regard as correct as FBIC research and data is in agreement and supports his thoughts and statement.  FBIC data indicates and reveals that the greatest insurers abuses of illegal mass denials of coverage, bad faith claim settlement practices and non-payment of claims are in the auto, homeowners, workmen's compensation, health and disability insurance lines.)
  • An independent review and commentary from FBIC (of "The Loss Of The Certainty Effect" written by the Stewarts) is provided in the text of its website homepage.   Click here to go to the beginning of FBIC's story, review and commentary.  (The Press is welcome to contact FBIC directly for further comment, just click here to send FBIC an email requesting comment and remember to include your name and tel. number.)


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'INSIDER' HEADLINE:  Insider Exposes Widespread Bad Faith Insurance Industry Problem, Offers Expert Advice


Herb Denenberg, former Insurance Commissioner for the state of Pennsylvania, is one of the country's leading consumer advocates as he bravely speaks out and candidly tells America the way it really is behind the strictly enforced closely guarded rule of absolute silence and operating secrecy of the insurance industry.   (Of FBIC Note: Without putting Herb on the line anymore than he does through his openly frank and honest outspoken articles, we don't think we over-speak our bounds when we say it is apparent that he confirms and exposes in specific areas and some cases more than FBIC but in general much, most or all of what FBIC's extensive consumer evidence clearly confirms and exposes ... that is bad faith insurers mass denials of legitimate claims along with its widespread use of bad faith insurance practices, deceptions and fraudulent schemes to defraud the Public, their general above the law attitude, misuse and abuse of the court system and total disregard for ethics and lack of concern for the policyholder claimant.  Bad faith insurers commonly use fraudulent bad faith practices to inflict the necessary degree of ruthless mistreatment and punishment against legitimate policyholder claimants their victims, in what appears to be standard operating procedure in their repeated attempts to intimidate and make claimants go away without any benefit of coverage and/or any semblance if left indicative of the basic essentials of life i.e. food, shelter, etc. ... all to the egregious financial benefit of the company not having to pay a claim and recognition of the employee's own personal company performance and ultimate personal self-enrichment.) Herb further confirms some of the suspected closely guarded secrets and as to how the insurance industry really operates behind its securely locked and tightly closed doors.  Take advantage of his expert advice on the many beneficial aspects and benefits that many of the different lines of (good faith) insurances have to offer as well as those to avoid that make no sense having little or no benefit.  Herb Denenberg's qualifications and credentials are most impressive.  To view Herb Denenberg's Bio, click here. His following articles are in chronological order and are available for viewing by clicking on the desired article title of interest.)

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'INSIDERS' ARTICLES:  Bad Faith And Related Articles By Industry Insiders, Trade Press And Defense Attorneys


(Note:  Please email us in strictest confidence for publication consideration at insiderlibrarian@badfaithinsurance.org if you know of trade press articles information on industry 'insiders' regarding bad faith insurance related articles, lawsuits, court documents, testimony, insurers, insurers defense counsel, employee whistleblowers, etc.  Articles are available for viewing by clicking on the following titles.)

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PLAINTIFF ATTORNEY ARTICLES:  Plaintiff Insurance Attorneys On Bad Faith Insurance And Expert Legal Advice


(Note:  Please email us librarian@badfaithinsurance.org if you know of specific bad faith insurance articles or information by plaintiff Attorneys that would be of interest to consumers, plaintiffs and insurance attorneys, about the industry, lawsuits, or court testimony. Click on the following title to view.)


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VIDEOS INVESTIGATIVE EXPOSÉS:  View Videos Of Insurers Bad Faith Practices Caught In The Act By TV Media


(Note:  Videos expose a number of fraudulent and deceptive schemes and bad faith practices employed by insurers caught in the act.  Videos available for viewing on this page are for educational purposes only ... copying is strictly prohibited. To watch a video, look for the "Click here to view" at the end of each segment listing.)

  • View "Dangerous Liaisons", an investigative video revealing the behind the scenes and some examples of covert illicit dealings by state DOI Commissioners, in this case involving former California DOI Commissioner Chuck Quackenbush with six major insurers regarding California's 1994 Northridge earthquake victims claims which to this day because of these dealings many claimants have yet to be properly compensated. 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 "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)
  • 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 this much talked about and perhaps best known Emmy award winning investigative exposé, called "The Paper Chase" which reveals an example of an illicit system designed allegedly to deny claims, in this case a myriad of fraudulent IME bias and medical paper review schemes, deceptive and illegal bad faith insurance claim practices by insurer, State Farm.  It is viewed in four parts. Click to view each Part one at a time. Each Part is about 15 minutes in length.    Click here to view: Part 1, Part 2, Part 3, Part 4. (NBC Dateline)
  • View the investigative segment called "Benefit Of The Doubt" which reveals and exposes examples of the illegal mass denial of claims and fraudulent bad faith insurance claim practices in this case by the country's largest disability insurer, UnumProvident.   Click here to view (NBC Dateline)
  • View an investigative exposé called "Did Insurer Cheat Disabled Clients" which reveals and exposes examples of patterns of illegal practices and the fraudulent mass denial of claims actions taken by the country's largest disability insurer, UnumProvident, against insured disability claimants. 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 bad faith insurance claim practices and mass denial of claims policy.   Click here to view (CBS 60 Minutes)

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THE PRESS & OTHER MEDIA ARTICLES:  Bad Faith & Related Published Articles Of Interest


Note:  Please email us at librarian@badfaithinsurance.org to let us know of any published articles by the Press and/or Other Media that FBIC does not have referenced in its library on bad faith insurance and/or of related interest.  Of interest for reference consideration and inclusion in the FBIC Reference Library are subjects for example including the truths and exposes´ of the insurance industry. Unless you are an industry insider, truths proven by court testimony of insurance industry perceptions and deceptions, exposes´ of anti-consumer behind-the-scenes activities by state legislative insurance committees and DOIs, and industry related conflicts of interest and corruptions.  Prior to submitting an article for consideration to The FBIC Library, please first e-mail us at librarian@badfaithinsurance.organd provide us with the following information: (1) the name of the article, (2) the publisher's name, (3) a one sentence description of the article's subject and/or what it's about, and/or if available to be viewed on the Web (4) the website address where our librarian can find and review it first.  If or when FBIC replies requesting that you send us a copy of the article for review and for inclusion consideration in the FBIC Reference Library, the article must be submitted in electronic format and will not be returned so please remember to make an electronic copy for yourself before submitting. FBIC assumes no responsibility or liability for lost or unpublished articles. Personal attack articles against insurers will not be published if it includes any names, identifiers and/or locations (other than the name of the state of the complainant or insured).  Please do not send us your article without FBIC authorization as it will most likely be discarded without consideration as we do not accept attachment files without authorization and our computer may unintentionally wind up blacklisting your email address preventing you from future communications with us which we do not want to see happen but because we do receive substantial amounts of email, it is necessary to program our computer servers in order to prevent spam, unwanted email and unauthorized attachment files so we ask you to please comply with this small request.  Note:  FBIC does not accept responsibility for inaccurate information, errors or typos.  Reference and read our Legal Disclaimer and Copyright.  All consumers should know never to construe or accept anything as legal advice, even if it is included herein or anywhere else on this website, without consulting a lawyer and furthermore, all consumers should know that only lawyers can give legal advice.  If you need the legal advice of an attorney or need a lawyer to represent you in an insurance related matter, click on the FBIC Plaintiff Insurance "Find-A-Lawyer Directory".  (Click on the following to view.)


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PLAINTIFFS 'HELPFUL TIPS':  Plaintiffs Non-lawyer 'Helpful Tips' From Their Own Bad Faith Claims Perspectives


Note:  This section is primarily for plaintiffs and plaintiff related consumer organizations to share and provide helpful tips from their own proven bad faith insurance experiences and perspectives.  Prior to submitting an article for consideration to The FBIC Library, please first e-mail us at librarian@badfaithinsurance.organd provide us with the following information: (1) the name of the article, (2) the publisher's name, (3) a one sentence description of the article's subject and/or what it's about, and/or if available on the Web (4) the website address where our librarian can find and review it first.  If or when FBIC replies requesting that you send us a copy of the article for review and for inclusion consideration in the FBIC Reference Library, the article must be submitted in electronic format and will not be returned so please remember to make an electronic copy for yourself before submitting. FBIC assumes no responsibility or liability for lost or unpublished articles. Personal attack articles against insurers will not be published if it includes any names, identifiers and/or locations (other than the name of the state of the complainant or insured).   Please do not send us your article without FBIC authorization as it will most likely be discarded without consideration as we do not accept attachment files without authorization and our computer may unintentionally wind up blacklisting your email address preventing you from future communications with us which we do not want to see happen but because we do receive substantial amounts of email, it is necessary to program our computer servers in order to prevent spam, unwanted email and unauthorized attachment files so we ask you to please comply with this small request.  Note:  FBIC does not accept responsibility for inaccurate information, errors or typos.  Reference and read our Legal Disclaimer and Copyright.  All insurance policyholders, claimants, complainants, plaintiffs and all other consumers and non-lawyers should never construe or accept anything as legal advice, even if it is included herein or anywhere else on this Web site, without consulting a lawyer and furthermore know that only lawyers can give legal advice.  If you need the legal advice of an attorney or need a lawyer to represent you in an insurance related matter, click on the FBIC Plaintiff Insurance "Find-A-Lawyer Directory". (Articles are available for viewing by clicking on the following.)


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INSURANCE IN GENERAL:  Articles On The Basics Of Insurance In General

(Note:  If the name or names of insurance companies are mentioned, referenced or included in any of the following articles
or any other articles on this web site page, please note that FBIC does not sell or certify insurance, and does not
endorse or warrant insurance products, companies, brokers, agents, or vendors, nor is a referral service.)

(Articles are available for viewing by clicking on any of the following)


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INSURANCE IN GENERAL:  Other Frauds, Fines, Allegations And Charges Against Insurance Companies

(Articles are available for viewing by clicking on any of the following)


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PROPERTY & CASUALTY INSURANCE:  Articles On P&C Basics, What Insurers Don't Want You To Know & More
(Includes Auto, Homeowner, Renter, P&C, Workers Compensation, Accident, Business, Personal Injury, Malpractice, Etc.)


(Note:  If the name or names of insurance companies are mentioned, referenced or included in any of the following articles
or any other articles on this website page, please note that FBIC does not sell or certify insurance, and does not
endorse or warrant insurance products, companies, brokers, agents, or vendors, nor is a referral service.)

(Articles are available for viewing by clicking on any of the following)


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LIFE INSURANCE FRAUD:  What Insurers Don't Want You To Know, Remember & More
(Below Are But A Few Examples Of Many Of The Infractions and Illegal Acts Perpetrated By Many Large Insurers)


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ANNUITIES FRAUD:  What Insurers Don't Want You To Know & More
(Below Are But A Few Examples Of Many Of The Infractions and Illegal Acts Perpetrated By Many Large Insurers)


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HEALTH (& LIFE) INSURANCE:  Basics Of Health Insurance, What Insurers Don't Want You To Know And More
(Includes Health, HMO-Health Maintenance Organizations, Life, Short & Long Term Disability, LTC-Long Term Care, Etc.)

(Note:  If the name or names of insurance companies are mentioned, referenced or included in any of the following articles
or any other articles on this web site page, please note that FBIC does not sell or certify insurance, and does not
endorse or warrant insurance products, companies, brokers, agents, or vendors, nor is a referral service.)

(Articles are available for viewing by clicking on any of the following)


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MANAGED CARE:  MCOs-PBMs-Etc. Bad Faith Practices, Behind-The-Scenes Activities & More

(Articles are available for viewing by clicking on any of the following)
 


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MANAGED CARE (MCOs):  Some Lawsuits, Frauds, Fines, Allegations, Charges vs. MCOs, PBMs & Related

(Articles are available for viewing by clicking on any of the following)