Zalma’s Insurance Fraud Letter – April 1, 2016

Fraud Schemes

No April Fools Jokes 

Click here to receive the current issue

In this, the fifth issue of the 20th year of publication of Zalma’s Insurance Fraud Letter (ZIFL), Barry Zalma, on March 1, 2016 continues the effort to reduce the effect of insurance fraud around the world. The issue indicates that, regardless of some success, the efforts must be increased.

Insurance fraud investigations must be conducted fairly, thoroughly, and always in good faith. Insurance professionals must understand and act ethically in everything they do in their claims investigations and evaluation of an insurance policy and its coverages.

The current issue of ZIFL reports on:

  • Fraud Schemes
  • Barry Zalma
  • Litigation Privilege Defeats Claim of Fraud by Lawyer
  • Proformative Academy Webinars
  • Good News From the Coalition Against Insurance Fraud
  • New From Barry Zalma
  • Books from Barry Zalma
  • Fraud Conviction Affirmed
  • Wisdom
  • Just for Fun From “Heads I Win, Tails You Lose” – The Tiffany Kid
  • The Zalma Insurance Claims Library
  • Health Insurance Fraud Convictions
  • Books from the American Bar Association by Barry Zalma
  • Zalma’s Insurance 101
  • Health Insurance Fraud Convictions
  • Other Insurance Fraud Convictions
  • Zalma’s Insurance Fraud Letter

Special Links

Zalma’s Insurance Fraud Letter – Vol. 20, Number 5

Visit the Website of Zalma Insurance Consultants


Visit the Zalma Insurance Claims Library

Insurance Publications by Barry Zalma

The Zalma Insurance Claims Library

Zalma on Insurance – A Blog


The most recent posts to the daily blog, Zalma on Insurance, are available at including the following:

 Zalma on Insurance 

Check in every day for a case summary at 

Multiple Crashes Still One Accident
Policy Properly Rescinded for Misrepresentation of Material Facts
Litigation Privilege Defeats Claim of the Lawyer Committed Fraud
Claim Made Before Policy Not Covered
Special Relationship Needed to Hold Insurance Agent For Negligence
When Insured Commits Fraud or False Swearing It Should Not be Confused with Appraisal
Insurance Is Going to Pot in Colorado
Jury Selection Comments Not Evidence
Deductible Applies to Each Occurrence
No Coverage No Bad Faith
Actual Conflict Required for Independent Counsel
Zalma’s Insurance Fraud Letter, February 15, 2016
Agents May Compete in California
Claims File Sacrosanct Until Coverage Established
Innocent or Intentional Misrepresentation Requires Rescission
Umbrella Excess over Municipal Risk Pool
No Honor Among Insurance Criminals
Speculative Class Action Fails
Exclusion Clear & Unambiguous Applies

Zalma Insurance 101 

I have also created a video blog called Zalma’s Insurance 101 which currently has over 551 three to four minute videos starting with “What is Insurance” and moving forward to the Release of All Claims explaining the basics of insurance and insurance claims handling in a painless fashion that can be viewed every morning with the first cup of coffee at Zalma’s Insurance 101

The videoblog is adapted from my book, Insurance Claims: A Comprehensive Guide available at the Zalma Insurance Claims Library.


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