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...n recovered at suspects' homes or garages. It's common practice for attorneys ...r with the California Department of Insurance Fraud Division. He is known as a...

...st night, I went to pull into the parking garage. Little did I realize that th...esident, E&O, of the Utica National Insurance Group.

...es work off site, your office and parking space requirements decrease, reducin...TO CONSIDER Many positions in the insurance industry are ideally suited for ...

...drivers are lined up to pay their parking fees. As you wait, one line moves fa...

... enhance their productivity by avoiding: Lengthy meetings and luncheons Long breaks in the hallway or at the copy machine Distractions from fellow workers Absenteeism due to car problems, sick children, and so forth Reduces office expenses. When your employees work off site, your office and parking space requirements decrease, reducing your costs. Employees who telecommute part-time can share office space. For example, three or four producers may use the same desk and computer in rotation, each one having separate password-protected files in the system. Enhances recruiting. As you ... wasting valuable time in traffic. Saves money. Telecommuting enables you to save money on gas, tolls, child and family care, restaurant lunches, dry cleaning, and new clothes. Employees can work in their jeans after their one-minute commute to the spare room or garage office. CONSIDERATIONS FOR A SUCCESSFUL VIRTUAL OFFICE Carefully select the correct job. Not every job can be transferred to a virtual office. If you own a storefront agency with walk-in traffic, your receptionist needs to be at the front counter, not working at home ... assignment-oriented jobs rather than 9-to-5 jobs. Flexibility is the theme of business in the 1990s-and in the next millenium. A virtual office environment allows you and your business to perform in infinitely flexible ways. Let's review the pros and cons of creating a virtual office in the insurance industry. BENEFITS OF A VIRTUAL OFFICE TO THE AGENCY/COMPANY/VENDOR Generates greater productivity. Studies show that employees working in a virtual office are 15% to 30% more productive than their counterparts in a central office. Working in a virtual office allows ...

... hit and run. The scheme is accomplished by obtaining or possessing an insured vehicle with existing damage or with damage inflicted on it. The vehicle is then filled with the players (driver and passengers), who are briefed on the details of the accident. They then park the insured vehicle on a public street and summon the police, or drive to a police station to report the hit and run. Having authenticated their phony accident with a police report, the suspects then pursue their fraudulent injury claims against the driver's insurance company. ... claims. These records also frequently show that capping has occurred. The homes of attorneys, cappers, and other participants almost always contain evidence that links the suspects to the crime. Sometimes, evidence of insurance fraud and conspiracy has been recovered at suspects' homes or garages. It's common practice for attorneys to work at home as well as at the office, and the attorney may feel that a home is a safer repository of incriminating evidence than a law office. Suspects' motor vehicles are also likely to hold evidence of insurance ... has not been rated yet. FRAUDBUSTERS: HOW STAGED ACCIDENTS WORK (AN UNDERCOVER PERSPECTIVE) by Thomas Sarinana Capping' the unlawful solicitation and referral of staged auto accident cases to medical providers and attorneys for a fee-is a violation of Business and Professions Code 6152 and the California Insurance Code. As an investigator, I've worked undercover and have personally been paid capping or front monies by people working on behalf of doctors' and attorneys' offices. In every case, I was paid for my solicited participation in a staged auto accident or for ...

...n February 1993 that the center's parking garage was vulnerable to a bomb attack and s...nce litigation exposure control Insurance expenses reduction Loss vuln...

... It's probable that you'll be swamped by calls from policyholders about what to do before and after a catastrophe. Keep a generous supply of the following four checklists to distribute. You might also print up the checklists in flier form and distribute at shopping malls, supermarkets, parking lots, and so on. What to Do Before a Catastrophe 1. Alert police and fire departments to special conditions, such as an invalid who might require emergency evacuation. 2. Prepare an inventory list of personal valuables, household furnishings, and equipment so ... will not hold the door closed during shaking. Breakables or heavy objects that are kept on high or open shelves. A masonry chimney that could crumble and fall through an unsupported roof. Flammable liquids, like painting or cleaning products, that would be safer in a garage or shed. You can eliminate some of these hazards by securing or relocating heavy items. If you can't eliminate them, do your best to be aware of and avoid them should an earthquake occur. Coverage for Shakes, Rattles, And Rolls After a quake ... many people find themselves with no resources to rebuild or replace property because they weren't insured. Most standard Homeowners policies specifically exclude losses from earth movement. Coverage must be added by an endorsement or a separate policy. Earthquake coverage provides for earthquake damage up to the limit on your Homeowners policy or up to a specific dollar amount. The endorsement does not increase the limits on the policy, and special deductibles apply to each loss. In territories where earthquakes are more common, the deductible is usually 5% or 10% of the replacement ...

... at shopping malls, supermarkets, parking lots, and so on. What to Do Before ...Since I teach classes in homeowners insurance, I had a complete manual of cove...