New Jersey Auto Insurance Law


Book Description

This comprehensive paperback contains thorough and practical discussions of such important issues as the changes in personal injury protection under the 1990 amendments to the PIP law, the interplay of PIP, health insurance and workman's compensation coverage, the litigation implications of the differing tort threshold provisions, the rules for determining whether a motorist is uninsured or underinsured under the UM/UIM clauses, the rights and remedies of insurers and insureds when multiple uninsured / underinsured policies are potentially involved in a claim, and much more. The easy-to-carry and easy-to-use text includes: Current statutory provisions regulating no fault, uninsured and underinsured motorist coverage, including the "Fair Automobile Insurance Reform Act of 1990". Practical tips on prosecuting, defending and arbitrating claims for personal injury and property Up-to-the-minute guide for all the case law interpreting and applying the legislative enactments. damage under the statutory scheme. With Full Text of Relevant Statutory and Regulatory Provisions




Insurance and Behavioral Economics


Book Description

This book examines the behavior of individuals at risk and insurance industry policy makers involved in selling, buying and regulation.




Insurance Era


Book Description

Charts the social and cultural life of private insurance in postwar America, showing how insurance institutions and actuarial practices played crucial roles in bringing social, political, and economic neoliberalism into everyday life. Actuarial thinking is everywhere in contemporary America, an often unnoticed byproduct of the postwar insurance industry’s political and economic influence. Calculations of risk permeate our institutions, influencing how we understand and manage crime, education, medicine, finance, and other social issues. Caley Horan’s remarkable book charts the social and economic power of private insurers since 1945, arguing that these institutions’ actuarial practices played a crucial and unexplored role in insinuating the social, political, and economic frameworks of neoliberalism into everyday life. Analyzing insurance marketing, consumption, investment, and regulation, Horan asserts that postwar America’s obsession with safety and security fueled the exponential expansion of the insurance industry and the growing importance of risk management in other fields. Horan shows that the rise and dissemination of neoliberal values did not happen on its own: they were the result of a project to unsocialize risk, shrinking the state’s commitment to providing support, and heaping burdens upon the people often least capable of bearing them. Insurance Era is a sharply researched and fiercely written account of how and why private insurance and its actuarial market logic came to be so deeply lodged in American visions of social welfare.







F*ck Insurance...Your Playbook to a Successful Performance PT Practice and Never Having to Deal with Insurance Again


Book Description

Do you wish you could start a money-making physical therapy business today ... without resorting to the ongoing hassle of insurance?Are you tired of billing insurance for every last penny? Do you wish you could get paid faster, and for more interesting clients? Do you want to help people without all that red tape?Well, now you can. With Danny Matta's new book, F*ck Insurance: Your Playbook to A Successful Performance PT Practice and Never Having to Deal with Insurance Again, you'll get all the tools you need to create the job of your dreams.After all, if you can't find a career you love, you'll have to build one yourself. This prime tenet is what motivated Matta to pen his irreverent text. With gritty, raw, proven and actionable advice, he shows physical therapists how to have success in a pratice model that doesn't take insurance at all and attract the clients they really want to serve.Inside this book, you'll learn: -Which segment of the population makes for the most satisfying physical therapy clients-How Matta built his own business in just a few years and now sees incredible results, both financially and client-wise-How to avoid high-volume, corporate insurance mills-The secret behind climbing to higher and higher levels of income each month-The 5 phases of the cash performance PT clinic-Whether you're a burn-the-ships or a side-hustle kind of person-What the proof-of-concept phase is, and what it means for you-What the survival phase is, and why "survival" isn't a bad thing-What the success phase is, and how you can achieve it as quickly as possible-What your revenue level says about your business model-The surprisingly obvious mindset shift you need to make your dreams come true-Which mistakes you're likely to make, and why that doesn't matter-How to build a team without selling out or going broke-What freedom really looks like ... and why you deserve it-How to tell insurance to f*ck off and see incredible results immediatelySo who is Danny Matta to give this advice? He's a former Army Physical Therapist turned entrepreneur. One fateful morning, he sat in his car questioning if he wanted to be a PT anymore. Burned out by an incredibly high volume of patients and endless documentation, he decided to leave his career as a PT in the Army. Knowing nothing about business, he dove headfirst into starting a cash-based PT clinic in a windowless room in the corner of a CrossFit gym. Guess what? It worked out. Today, Matta not only serves his dream clients, he sees incredible revenue, employs a happy team of fellow PTs and enjoys the freedom of which he once only dreamed.You can do it too.So don't wait. Buy this book NOW to build the happier, healthier, stronger business you've always known you could have.




Care Without Coverage


Book Description

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.




Delay, Deny, Defend


Book Description

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.




Introduction to Risk and Insurance


Book Description

A collection of thirty-five articles by this renowned specialist in the sytematic study of insurance, and covering a broad range of topics.




D&O 101: Understanding Directors and Officers Liability Insurance - A Holistic Approach


Book Description

Real-world war stories from the front lines of D&O Insurance to illustrate the importance of various principles. The book contains a chapter of career advice from more than 60 senior insurance executives, including 25 current or former CEOs. Respected leaders such as Maurice "Hank" Greenberg, Brian Duperreault, Stephen Way, Dinos Iordanou, Kevin Kelley and many others provide their unique insights on career advancement.




Underwriters of the United States


Book Description

Unassuming but formidable, American maritime insurers used their position at the pinnacle of global trade to shape the new nation. The international information they gathered and the capital they generated enabled them to play central roles in state building and economic development. During the Revolution, they helped the U.S. negotiate foreign loans, sell state debts, and establish a single national bank. Afterward, they increased their influence by lending money to the federal government and to its citizens. Even as federal and state governments began to encroach on their domain, maritime insurers adapted, preserving their autonomy and authority through extensive involvement in the formation of commercial law. Leveraging their claims to unmatched expertise, they operated free from government interference while simultaneously embedding themselves into the nation's institutional fabric. By the early nineteenth century, insurers were no longer just risk assessors. They were nation builders and market makers. Deeply and imaginatively researched, Underwriters of the United States uses marine insurers to reveal a startlingly original story of risk, money, and power in the founding era.