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...monitors, disks and tape drives, printers and manuals, and handwritten or prin...r with the California Department of Insurance Fraud Division. He is known as a...

...here are vertical opportunities: printers, auto dealers, machine shops, plasti...g like everyone else, even when all insurance agencies look about the same. ...

... It's also possible to hide a file so that it doesn't appear on the computer's directory without the use of a password or special software. It then becomes necessary to seize the computer, electronic storage devices, central processing units, monitors, disks and tape drives, printers and manuals, and handwritten or printed materials to ensure proper, safe recovery of the material. While assisting on search warrants, I've found such documents on private persons, in residences, in vehicles, in places of business and professional offices, in briefcases, ... , making record keeping a necessity. Records may include: Insurance and claim documents Documents with names, addresses, telephone numbers Documents listing the who, what, where, and when of a claim, including diagrams of alleged accidents Suspects often possess business cards of the professionals dealing with the claims. The doctors and attorneys to whom capped cases are referred also keep some type of record as to who referred the cases and how much was paid for the referral. Often the name of the capper is written somewhere in the patient or ... different ways. In some cases, two people with their own vehicles conspire to report that they were involved in an accident together. Usually a capper has recruited these individuals and orchestrates the accident. One driver, usually the insured, will be at fault and will claim liability for hitting the other vehicle. The criminals commonly refer to the insured vehicle as the bull car' or the hammer'; the claimant car is the cow car' or the nail. The damage on the claimant car may already exist, or it may be ...

... Life, the high interest crediting rates of the early 80s, and the Personal Computer — introduced by IBM in October 1981. Voila! With just a few keystrokes, an agent could customize a policy' for their client and print out an illustration on a dot-matrix printer as proof of their efforts. As most agents who worked in that era will recall, one common policy illustration suggested clients could pay just seven premiums' for lifetime coverage. The applicable term — since banned — was vanishing premium. Ultimately, it wasn't the premium ... insurance industry has changed since the 1980s — and suggest some benefits and perils that our fast-paced and competitive global economy will probably experience. Richard M. Weber, MBA, CLU is president of The Ethical Edge, Inc., a consulting firm that advises Life insurance professionals on due care and ethical practices to help them grow their volume and income. For more information, phone or fax (760) 652-0408, e-mail , [email protected] or visit www.ethicaledge.biz . Login or Register (for FREE) to gain access to thousands ... other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals ...