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Delay, Deny, Defend

Why Insurance Companies Don't Pay Claim and What You Can DoAbout It

Delay, Deny, Defend
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An expose of insurance injustice and a plan for consumers and lawmakers to fight it

Over the last two decades, insurance has become less of a safety net and more of a spider's web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation.

Jay M. Feinman, a legal scholar and insurance expert, explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. He shows that the denial of valid claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm.

Citing dozens of stories of victims who were unfairly denied payment, Feinman explains how people can be more cautious when shopping for policies and what to do when pursuing a disputed claim. He also lays out a plan for the legal reforms needed to prevent future abuses. This exposé will help drive the discussion of this increasingly hot- button issue.


Penguin Group US; March 2010
256 pages; ISBN 9781101196281
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ISBNs
1101196203
9781101196205
9781101196281
9781591843153