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

Hardcover. 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. Tells the story of how a disabled single mother fought back against a fraudulent insurance behemoth and won. This book reveals the back-room strategic mind-set that drives these illegal practices, how low-level employees are duped into unethical conduct, and how insurers manipulate data and witnesses in the few cases that do go to trial. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.…