Getting the Whole Truth
Interviews happen everywhere; they are performed by almost everyone. Everyone has, at some point in his or her life interviewed another person. Gathering accurate information is as important to the insurer, the retail sales organization, the manufacturer, or the corner grocery store as it is to the mother who wants to know where her children have been and what they have done. Interviewing is also very much an art, and the most effective interviews are conducted by those who are knowledgeable and skilled in this art.
We live in a time when information is essential to survival. Accurate information is the lifeblood of any business, and those who wish to compete must have intelligence about the marketplace and its competitors. The gathering of accurate information is essential, too, to businesses potentially faced with fraud, embezzlement, the dangers of employee dishonesty or what personnel are doing to fulfill assignments from management. News organizations like Reuters, UP, AP, and others are designed to provide credible and useful information to those who need it. News reporters – if they are to be effective – must be consummate interviewers. If news is not gathered in a reliable fashion by skilled interviewers, it will be useless and the news organization will lose all credibility. In the same way, police officers, lawyers, insurance adjusters and private investigators must be effective interviewers who also understand the techniques for obtaining useful and believable information.
Any person who is curious and applies one or more of the techniques set out in this ebook will obtain more information than his or her competitors. The purpose of this ebook is, indeed, to help anyone learn how to get the truth about anything from anyone. If you have a need to obtain information from another person you need “Getting the Whole Truth”. “Getting the Whole Truth” is available from Specialty Technical Publishers at http://www.stpub.com/Getting-the-Whole-Truth_p_254.html.
This 200-page eBook is designed to help human resources, law enforcement, legal, and insurance professionals get the whole truth through the interview process.
Successful and effective interviews require preparation and skill. With humor – and the insight gained from years of experience – Mr. Zalma delivers step-by-step commentaries and examples that have real-life, practical applications. Read this book to learn interview techniques such as:
|Pre-interview information gathering and other preparation.|
|Identifying the many personality types the interviewer may encounter.|
|Using the right approach with each personality type|
|Developing rapport with the interviewee.|
|Collaborating with the person interviewed to seek only the truth.|
|Verifying evidence after the interview.|
|Accounting for contentious issues such as false memory syndrome.|
Getting the Whole Truth can be purchased from Specialty Technical Publishers for just $50. STP also offers the following publications by Barry Zalma: Insurance Claims: A Comprehensive Guide, Construction Defects: Litigation and Claims and Mold: A Comprehensive Claims Guide.
HEADS I WIN, TAILS YOU LOSE
This E-book started as a collection of columns
insurance consultant, expert witness and insurance lawyer Barry Zalma wrote
and published in the magazines "Insurance Journal," "Insurance Week," and
"The John Cooke Insurance Fraud Report." It now contains 87 fictional
stories on how insurance fraud is perpetrated by changing the names and
places of the incident to protect the guilty.
It Takes Courage to Fight Insurance
Since the last edition I have added more stories that were published in my twice monthly newsletter, Zalma’s Insurance Fraud Letter which is available free to anyone who clicks the link and a brief analysis of the California Special Investigation Unit Regulations. In addition the e-book has been totally rewritten correcting typographical and syntax errors.
The title, "Heads I Win, Tails You Lose" is meant to describe insurance fraud as it works in the United States. Whenever a person succeeds in perpetrating an insurance fraud everyone who buys insurance is the loser. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must still charge more premium to cover the expense of defending the fraud.
Everyone, except the lawyers and fraud perpetrators, lose.
It Takes Courage to Fight Insurance Fraud
The legislatures of the various states, the United States Congress, the National Association of Insurance Commissioners, The National Insurance Crime Bureau and insurance industry groups have finally decided that the war against insurance fraud is worth fighting. Until the states, the local police agencies, the district attorneys, the United States Attorneys, and the Attorneys General of the various states join in the battle it will be fought to a stalemate. The insurance industry cannot successfully fight insurance fraud alone.
On the state level the effort has begun. California, and many other states, have forced the insurance industry to pay money into a special fund to create a Fraud Division, California Department of Insurance or Fraud Bureau whose only duty is to investigate and prosecute insurance fraud perpetrators. Proposition 103 and Special Fraud Investigation Unit Regulations forced insurers to pay monies into another fund to pay prosecutors to prosecute the crime of insurance fraud and to create their own special fraud investigation units. Defrauding an insurance company is a felony in most states.
All of these actions suggest that the Legislatures have concluded that insurance fraud is draining away the wealth of their states into the pockets of criminals yet they wish to pass the buck to insurers to do the investigations. California, by statute, state that it is the public policy of the state that insurance fraud must be stopped.
Insurance industry sources estimate insurance fraud from lows of $80,000,000,000 ($80 billion) a year to highs of $200,000,000,000 ($200 billion) a year. Regardless of which, if any, estimate is accurate the amount of money going to insurance criminals is staggering and approaches no less than 3% to 10% of premium collected.
What has been the result of these new statutes? Are insurance criminals going to jail? Have there been scores of arrests? Have the courts been inundated with prosecutions? No. The prosecution of an insurance fraud is as rare as snowfall on the on the Island of Oahu.. It happens, but not in the numbers that the extent of the crime would suggest. Convictions are even more rare. Prosecutors complain that insurance companies do nothing. The statutes compelling insurers to form fraud investigation units usually have no penalties if the insurer fails to establish such a unit [California imposed regulations that imposes a $5,000 fine for failure to establish a Special Investigation Unit or to train its integral anti-fraud personnel and other states are following that lead.]
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