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Strange Claims Indeed 11

Paul Clark, recalled a situation involving a company paying an annuity to an individual in India. A fingerprint found on the back of each check endorsed them. One day, an audit revealed the check recipient had lived well passed the …

Strange Claims Indeed 10

Sandi Quezada of Chino Hills, Calif. recalled an applicant suffering from back pain who became pregnant. The client filed a claim on the grounds the anti-inflammatory agent in her pain medication neutralized her birth control, resulting in the pregnancy. She …

Strange Claims Indeed 9

Retired claims manager for the now defunct General Rent-a-Car in South Florida, Jay Bach, recalled a claim from the late 1980s where a driver slid into a wall killing the passenger. Apparently the driver and passenger worked for the FBI, …

Strange Claims Indeed 8

During a late-autumn storm while Chris Fletcher, account manager, HRH of Connecticut, attended is freshman year at college; a small tree fell in his yard back home. Unfortunately, the tree fell directly upon his 14′ single-handed racing sailboat, stowed away …

Under the Radar

Insurers can’t afford to underestimate the effect that even the smallest claim can have on their bottom line. By investigating claims with red flags, regardless of their size, insurers can deter criminals from future attempts at insurance fraud. Although every …

Replacement Cost Violates Indemnification Rule

Assertion: Replacement cost violates the principle of indemnification as the insured is placed in a better position than existed immediately prior to the loss. For instance, the insured’s five-year-old production machine is destroyed by a covered cause of loss and …

Strange Claims Indeed 7

A homeowners customer once requested coverage from Reiner Maurer, vice president, personal lines, United States Liability Insurance Group to pay for the loss of his stolen dentures. Confounded by the idea of someone stealing another person’s dentures, Maurer investigated further. …

Appraisal Provisions In Property Policies – Part 2

Presented at PLRB/LIRB claims conference April 13-16, 2008 in Boston, Mass by Andrew P. Rock, attorney, The Rock Law Group, Rick L. Hammond, attorney, Johnson & Bell and Lisa Cronin, coverage counsel, St. Paul Travelers Property & Casualty Co. Please …

Strange Claims Indeed 6

Claims Journal received a strange claim submission reflecting a kitchen-fire claim. While home-fires commonly initiate claims, the way this particular fire started might be unusual. The insureds apparently moved a wall mirror into their kitchen where they mounted it on …

Appraisal Provisions for Property Policies, Part 1

Presented at PLRB/LIRB claims conference April 13-16, 2008 in Boston, Mass by Andrew P. Rock, attorney, The Rock Law Group, Rick L. Hammond, attorney, Johnson & Bell and Lisa Cronin, coverage counsel, St. Paul Travelers Property & Casualty Co. Please …

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