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A video explaining the right to independent legal advice INSURANCE

62 videos describing key insurance issues described by Barry Zalma and available to anyone viewing or subscribing to the YouTube account. Topics include insurance fraud, definition of insurance, insurance as a personal compensation contract, millions for defense and not a dime for tribute and tort. Please subscribe. The 62 videos are with https://www.youtube.com/channel/UCFg7qxC0tVgKcMUqoUfnwPw/videos I had some difficulty posting new videos on my YouTube channel and decided to post all future videos on insurance, insurance claims, insurance law and insurance fraud on my blog at https://zalma.com/blog.

The Cumis Teaching

In California and most other states, the insurer must “pay the reasonable cost of hiring independent legal advice if an insurer defends an insured subject to rights, due to a possible lack of insurance coverage [selected] from the insured. “[[[[San Diego Federal Credit Union v Cumis Insurance Society, Inc.., 162 Cal. App. 3d 358, 375 (1984).]

Cumis is representative of a growing case law that gives the insured person the absolute right to choose an independent lawyer if there is a conflict. However, Finley v Home Insurance Companywhere the Hawaii Supreme Court refused to adopt them Cumis Teaching provides the exception that confirms the rule.

Since CumisThe courts have refused to require the insurer to pay the fees of an independent lawyer if “settling third-party claims would not affect the coverage dispute”.

The Cumis Case also allowed for abuse by the unscrupulous. Recent California legislation has provided insurers with tools to control this abuse. Recent decisions also have applicability to the Cumis Teaching. While Cumis is often discussed as a groundbreaking case, it is more important to publicize the key concept than to develop a new rule of law.

For the past 52 years, Barry Zalma has dedicated his life to insurance, insurance claims and the need to fight insurance fraud. He has created the following library of books and other materials so that insurers and their claims personnel can become insurance claims Professionals. https://zalma.com/blog/insurance-claims-library/

© 2020 – Barry Zalma

Barry Zalma, Esq., CFE, is now limited to acting as an insurance advisor who specializes in insurance coverage, insurance claims processing, malicious insurance, and insurance fraud for insurers and policyholders alike. He also acts as an arbitrator or mediator for insurance related disputes. He has worked in California as an insurance and claims handling attorney for more than 44 years and in the insurance business for more than 52 years. It is available at http://www.zalma.com and [email protected]

Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.

For the past 52 years, Barry Zalma has dedicated his life to insurance, insurance claims and the need to fight insurance fraud. He has created the following library of books and other materials to enable insurers and their claims workers to become insurance claims specialists.

Read Barry Zalma’s posts at https://parler.com/profile/Zalma/posts

Go to Zalma on Insurance on YouTube- https://www.youtube.com/channel/UCFg7qxC0tVgKcMUqoUfnwPw

Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/

Subscribe to the ZIFL email version, it’s free! – https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkV7pkuOtkiv6oakpgK33CNlNAYW-WBlLCOZFtgvpSdcL7R-tsWKfGG7G-

Read the last two issues of ZIFL here. https://zalma.com/zalmas-insurance-fraud-letter-2/

Visit the Barry Zalma, Inc. website here https://www.zalma.com

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