................... Insurance Claimants And Policyholders :    Are You Having Problems Getting Paid On An Insurance Claim?    Or, Are You Buying Or Renewing Your Insurance And Finding That You Are Concerned And Asking Yourself Whether Your Insurance Company Will Cover You In The Event Of A Claim?    .... If So, FBIC Is Here To Help And To Let You Know That You Are Not Alone   ...   In Fact There Are Many Hundreds Of Thousands Upwards To A Million And More Claimants Across The U.S. Having To Hire A Lawyer To Get Paid On A Claim.   FBIC's Exclusive U.S. Plaintiff Insurance "FIND-A-LAWYER" Directory Is The Only Source Of Its Kind Where Claimants Can Find An Insurance Attorney In Their Local Area To Help, Advise And Represent Them.  Thousands Of Claimants And Policyholders Regularly Visit The Comprehensive FBIC Insurance Resource Center, The #1 Claim Related Consumer Insurance Source On The Internet.   Policyholders Are Able To Resource FBIC's Exclusive And Invaluable Ranking Information On Insurers Good Faith And Bad Faith Payment Of Claims Records And Related Information When Purchasing Or Renewing Their Insurance.   Policyholders And Claimants Are Able To Resource, Get Help And Assistance, Use FBIC's Exclusive Plaintiff Insurance FIND-A-LAWYER Directory And Also Submit An Insurance Complaint To FBIC Using The Online Website "Bad Faith Survey", The One Place Where Consumer And Business Insurance Claim Related Complaints Count ... And Much More!

• HEADLINE #1: (An Explosive Story, FBIC Exclusive) It Is Truly Unbelievable And Outrageous That Judges Of Our State's Highest Courts Are Rendering Biased Decisions As A Result Of Bad Faith Insurance Companies Conflicts Of Interest ... And With No Independent Oversight To Stop It?   FBIC and the American Public Demand That Congress, Government And Enforcement Agencies Conduct A Thorough And Independent Investigation Of The Relationships Between Our States' Highest Courts And Judges And Our Country's Major Insurers (And Their Law Firms) NOW ... It's Long Overdue. FBIC is mobilizing an effort and requesting that Congress, the country's government enforcement and investigative agencies (along with the media) investigate bias and corruption in our states' highest courts ... and strongly suggest they start their investigations with one state's supreme court justices and judicial system where we have witnessed first-hand an egregious error decision in a case involving significant insurer $$$ and such alleged activity ... and expose how insurers special interests may be (and have been) illegally influencing and corrupting judges and justices to render biased and wrongful judicial opinions and decisions in their favor.  (Reference 'Headline 1a' and 'Headline 1b' articles below).
  
  This state where the Supreme Court is located is well-known for past political corruption and scandal including being wrought with fraudulent insurance industry and insurance companies activities. It's previous Governor was forced to resign July 2006 in scandal and was sentenced to serve one year in prison for corruption. The state's last insurance commissioner, also plagued in unrelated scandal. The insurance commissioner is best remembered for disallowing the state's attorney general access to the Department of Insurance files for investigative fraud purposes. Having also fallen in disfavor by the state's citizens and FBIC, FBIC called for the insurance commissioner's ouster. Subsequently the insurance commissioner was forced to resign in December 2006. Following a federal probe, six other state commissioners were quietly asked and forced to resign in 2006. This being the case why should the state's citizens feel any different about the honesty and ethical nature of the state's supreme court justices? (In the referenced high court case, FBIC believes that there is a similar problem with three of the state's seven supreme court justices.)
  
  FBIC will publish the referenced (1) state supreme court case opinion decision, (2) justices dissenting opinion and (3) identify the state shortly pending legal formalities and approval from attorneys. FBIC learned having direct knowledge of the recent June 30, 2008 case decision by the state's supreme court of a 12 year old court case, where a major insurer had previously been found guilty of breach of contract by a jury trial.  (FBIC believes it is not coincidental as the insurer has consistently been ranked for the past 11 years as one of the country's worst three bad faith insurers with just cause and a substantial share and significant numbers of complaints against it.)  Then the insurer appealed the trial court's jury decision as the state's appellate court justices upheld the trial court's decision 'as correct' by a unanimous 7-0 vote. The insurer then asked the state supreme court to review the case. The highest court in the state was under no obligation to review the case which was thought to be a slam dunk by experts that did not justify the supreme court's time.  But the high court in a surprising move agreed to review one small aspect of the case which was nothing more than a footnote in the case at trial. This was the first sign of alleged potential bias by the high court that something indeed was very wrong and was about to take place. Had the situation been reversed, would the state Supreme Court have agreed to review the case? Experts agree that they would most likely not have agreed to review the case.
  
  Ten months later on June 30, 2008 in a shocking and surprising decision, the State Supreme Court reversed the trial court's and appellate courts decisions by a 3-2 margin dissenting justices vote. The state's supreme court majority 3 vote are believed by all to be in error by the 2 dissenting justices who disagreed with the majority 3 justices opinions. But, in addition, a growing number of legal and insurance experts having reviewed the decision not only unanimously agree with the dissenting 2 justices opinions that their decisions were correct and spot on but are equally concerned and find it incomprehensible and alarming that the 3 justices could have made such an incomprehensible and egregious error in judgment ... or as it strongly suggests that there is something more of a covert, sinister and biased nature going on behind the scenes within the state's highest court? ... more corruption that is not visible to the Public eye that has already been shown to be so pervasive and prevalent within this state's government? FBIC and the citizens of the state request that Congress and federal government authorities investigate ... and because of the nature of the unlimited legal powers of the court in question, that they be granted super-powers to conduct a fair and thorough investigation of this state supreme court, insurer and its law firm involved in this case and other cases without having to surmount repeated legal obstacles by the entities being investigated that will most certainly arise. The Citizens demand that such alleged corruption in it's state judicial system be investigated and exposed?
  
  (In this case it should be noted that both the insurer's corporate headquarters and the supreme court location have co-existed in the same city for more than 150 years and the insurer's law firm for 75 years. Knowing the widespread illegal acts and influences of the insurance industry in the state, it would be naive to think that there was no undue influence between the two over so many years). FBIC, legal and insurance experts agree in this case that the error is so simple and obvious that at the very least the 3 justices in this case erred to the benefit of the insurer, (if not bent over backwards, did somersaults and cartwheels to be able to find a reason, in this case an extremely unjustified, poor and lame one) so as to be able to vote for the insurer and against the plaintiff-policyholder-claimant. All Americans should be outraged as we have learned after 11 years of being a nationwide consumer insurance advocacy the ways of national bad faith insurers and feel that if this kind of alleged activities are happening in this one state then they are most certainly happening in many other states as well.
  
  We believe this case is an alleged prime example of how a major powerful insurer can very well challenge and influence the veracity and inner workings of a state's highest court to result in such an egregious wrongful decision in favor of the insurance company (and against citizens and policyholders everywhere) even when it clearly goes contrary to and against state statutes and defies reasonable judgment. This state's statute of limitations requires claims to be submitted within 2 years.  Another of the state's statutory laws provides that when there is a matter of doubt in regards to a claim, 'the court must favor the inexperienced insureds and not the insurance claims savvy and legally experienced and seasoned insurers'. There is little or nothing in the law to support the "3" majority vote opinion and decision in this case.
  
  FBIC picks and chooses it's issues and fights carefully.  After 11 years of suspected state court corruption being brought to our attention, this is the first time in its history that it's taken on the suspected corruption issue involving major insurers alleged within a significant number of our states highest courts.  Heretofore as in the past and as always, FBIC knows that it can count on it's nationwide membership and the American Public to support and shore up this FBIC effort,  to spread the word and to contact their congressional and legislative representatives in this regard.  Also, as always, Whistleblowers and others confidentiality as requested will be maintained as best as possible (i.e. barring subpoenas and alike). If you have and are sending sensitive or incriminating evidence and you do not want your identity known and do not want to use your real name, we suggest you use an anonymous or equivalent generic email address (i.e. 'hotmail', etc.) to ensure your anonymity and confidentiality. 
  
  FBIC will update this story daily on this website as multiple state investigative authorities join with FBIC to investigate, reveal and expose conflicts of interest and wrongdoings by this state's and other states highest courts.  All Americans should stay regularly tuned to this website as we mobilize efforts by federal, state, local authorities and the media to investigate this state's supreme court and it's justices, other states highest courts and related entities also involved in such alleged illicit and corrupt activities.
  
  
• HEADLINE #1a: As Bad Faith Insurance Continues To Be Widespread And As Business As Usual, Is Bad Faith Insurance Supported By The Courts? The answer is unequivocally Yes.  In Some Cases, By And Through Conflicting Special Interests, It Exists Even Up To And By Each State's Highest Courts.  By America's Supposed High Standards, This Is Outrageous And It's Got To Stop. Read Article #1, "Justice For Sale".  Although we would like to think that our state and federal courts judges are honest and beyond reproach, nothing could be farther from the truth. The veracity of our whole court system is in jeopardy! Read about some of the behind the scenes examples of how controversial insurer bad faith insurance practices are sustained, upheld in law, influenced and supported by conflicted special interests (which includes insurers as you will read) and dishonest court judges in your state.
  
  
• HEADLINE #1b: More, Bad Faith Insurance Is Supported By Conflicted And Dishonest Judges In Our Country's Courts System ... Yes,  Even By Judges Of Your State's Highest Courts .... Read Article #2, "Justice for Sale" - "How special-interest money threatens the integrity of our courts" written by former U.S. Supreme Court Justice SANDRA DAY O'CONNOR.  And Yes, "Special Interest" includes the insurance industry and our country's bad faith insurers. The title speaks for itself.
  
  
• HEADLINE #1b: (An FBIC Explosive Exclusive) Bad Faith Insurance Is A Conflicting Practice Quietly Supported By Conflicted Or Dishonest Court Judges Of Your State's Highest Court. Read an investigative report in the works on how insurers through conflicts of interest can influence court judges and justices to render biased and wrong judicial opinions. FBIC has learned and has direct knowledge of a recent court case where an insurer was overwhelmingly proven guilty of breach of contract by jury trial, was then sustained and voted unanimously as correct by the state's appellate court justices only later to be reversed by a 3-2 dissenting justices margin by the state's supreme court. We believe this story is a prime example of how an insurer can very well influence the veracity and inner workings of a state's highest court. FBIC will update this story on this website as multiple state investigative sources join to reveal and expose conflicts of interest and wrongdoings of a state's highest court.
  
  
• HEADLINE #2: Free For Your Viewing For The 2008 Summer Season (Only On This FBIC Website)  ... Staying at home for much of this summer saving money on the high price of gasoline and travel? FBIC offers you FREE at-home viewing of the videos of your choice from it's exclusive collection of major television networks investigative covert exposés and reports (some of which FBIC collaborated). View many of our country's well known major national insurance companies caught in the act with their pants down (that's figuratively speaking) committing illegal bad faith insurance practices. See with your own eyes some of the common illicit schemes, widespread fraudulent rip-offs and the extent to which many (and we do mean many) major national insurers are involved in widespread corruption and pervasive illegal acts to "willingly deny and not pay claims". Caught in the act of committing illegal and deceptive acts, view many phony schemes set up and repeatedly utilized as business usual by these bad faith major insurers to deny coverage and not pay legitimate claims in order to increase their corporate profits. Watch Them And You Be The Judge ....
  
  
• HEADLINE #2a: Taking Heat In The Media: Bad Faith Insurance Continues As Business Usual ... "Home Insurance 9-1-1".  View an investigative video exposé revealing some of the behind the scenes examples of controversial insurer bad faith home insurance practices. "In the fall of 2003, one of the largest recorded wildfires in California's history destroyed over 2,200 houses and killed fifteen people. Soon after, many who'd lost their homes had a rude awakening: their insurance did not nearly cover their losses as expected."
  PBS' NOW in collaboration with Bloomberg Markets Magazine investigate tactics some insurance companies may be using to reduce, avoid, or stall homeowners' claims in an effort to boost their own earnings. Two major insurers are referenced: State Farm and Allstate. To this day because of these dealings, many claimants have yet to be properly compensated.
  
  
• HEADLINE #2b: More Taking Heat In The Media: Bad Faith Insurance Continues To Be Widespread, As Business Usual ... "The Insurance Hoax".  Read An investigative report illustrating some of the many ways "property insurers use secret tactics to cheat customers out of payments". "Property insurers systematically deny and reduce their policyholders claims, according to court records. The insurance companies routinely refuse to pay market prices for homes and replacement contents, they use computer programs to cut payouts, they change policy coverage with no clear explanation, they ignore or alter engineering reports, and they sometimes ask their adjusters to lie to customers". "Insurers make low offers--or refuse to pay at all--and then dare people to fight back."  Referenced insurers include Hartford, State Farm, Allstate Corp., Farmers Group Inc., Illinois Farmers owned by Farmers Group, Liberty Mutual, Meritplan Insurance part of Countrywide Financial Corp., Pacific Specialty Insurance, Allied Property & Casualty, AMCO Insurance ....
  
  
• HEADLINE #3: More Taking Heat In The Media: Bad Faith Insurance Is A Conflicting And Common Practice Quietly Supported By State Regulators And Commissioners ... "Bribed Regulators Deceiving FBI Roil U.S. Insurance Customers".  Read An investigative report on the existence and some of the ways insurers bribes and inherent conflicts of interest within the system which make up the very foundation of the fragmented state insurance regulatory system. State government's regulatory agencies (Departments of Insurance) most often are found to be biased and extremely "favorable to insurance companies" and unjustly leave policyholders out in the cold. In addition, "regulators routinely come from industry jobs or go to them when they leave office" aka "the revolving door". The article references Departments of Insurance and identifies many such states insurance regulators/ commissioners.  Regarding "Bias Against Policyholders", "the conflicts that hinder state insurance oversight are also apparent at the National Association of Insurance Commissioners (NAIC). With the association and biased states insurance commissioners that make up the association, it's hard to expect consumers and policyholders can get an unbiased and fair shake.  Referenced insurers include Lovelace Sandia Health System Inc., State Farm, Safeway Insurance Co., Assurant Inc.  ...
  
  
• HEADLINE #4: (FBIC Reports) 2007 Insurer Claims Denials and Claimant Settlement Related Complaints for all lines of insurance rose an average 7.9% (up from a 2006 escalated rate of 6.0%) along with a corresponding increase in demand for plaintiff attorneys. The number of policyholder claims denials and related complaints increased in 2007 at escalated rates and up from 2006 for the following individual major lines of insurance and practice areas:
  
      Homeowner ↑ 11.2 % (up from an escalated 2006 rate of 9.0 %)
      Automobile ↑ 8.1 % (up from an escalated 2006 rate of 6.5 %)
      Health ↑ 5.9 % (up from an escalated 2006 rate of 4.3 %)
      Accident and Personal Injury ↑ 5.7 % (up from a 2006 rate of 4.6 %)
      Disability ↑ 12.1 % (up from an escalated 2006 rate of 9.0 %)
      Life ↑ 5.1 % (up from a 2006 rate of 4.4 %)
      Wrongful Death ↑ 6.7 % (up from a 2006 rate of 5.6 %)
      Property & Casualty ↑ 7.7 % (up from an escalated 2006 rate of 6.2 %)
      Workers Compensation ↑ 9.9 % (up from an escalated 2006 rate of 7.4 %)
      Business ↑ 5.7 % (same increase as the 2006 rate)
  
  FBIC forecasts claims denials and related complaints for 2008 to continue to rise.
  
  
• HEADLINE #5: (An FBIC Exclusive) FBIC is near completion of a two year investigation, one leaked to FBIC by a whistleblower, concerning widespread fraudulent activities and the illegal inner workings from within one of America's largest group insurance companies and reinsurers. FBIC will announce this story shortly on this website, which involves billions of dollars of illegal and ill-gotten gains at the expense of policyholders. The story highlights in detail the real behind the scenes goings-on and illicit operations confirmed by numerous court documents and cases, and contributes (like none other before) to further expose just how widespread the fraudulent activities are within the insurance industry today . The whistleblower evidence confirms widespread use of bad faith insurance claims practices, pervasive falsifying of financial records, extensive defrauding of policyholders and claimants, claims being willingly and intentionally denied and not paid, lying to state insurance commissions, all as business usual and much much more. ....
  
  
• HEADLINE #6: (A First Coming Soon) The FBIC Good Faith And Bad Faith Insurance Company Rankings For (A) Auto Insurers (B) Homeowner Insurers (C) Health, HMO and Disability Insurers. Although there are several companies that rate the financial strength of insurance companies, FBIC is the only company to rank insurers on their payment/non-payment of claims records. The lists represent the first time ever that insurance companies will be ranked by their willingness to pay claims (in good faith) or willingness to deny claims (in bad faith). ....
  
  
• HEADLINE #7: At FBIC, Your Insurance Company Complaint Counts! ....
  
  
• HEADLINE #8:  FBIC Supports Washington State Insurance Fair Conduct Act Passed By The Legislature And Brought To The Public For A Vote. The WA State legislature passed (Senate: Yeas 31, Nays 18. / House: Yeas 59, Nays 38.) the "Engrossed Substitute Senate Bill 5726 (ESSB 5726) concerning the Insurance Fair Conduct of Claims for coverage or benefits, and ordered it referred by Petition to the voters for a vote. The Bill makes it unlawful for insurers to unreasonably deny certain coverage and claims, and allows for payment of treble damages and attorney fees for violations. Some health insurance carriers are excluded. Presently, there is no penalty for delaying or denying policyholders valid claims. This Bill helps to make the insurance industry treat policyholders and consumers fairly and makes sure claims are handled fairly. The Bill has bipartisan officials and consumer groups support and as expected is opposed by the insurance industry and bad faith insurers. Washington is one of only 5 states with no penalty when the insurance industry intentionally denies a valid claim or when an insurer commits bad faith. FBIC recommends to the voters of Washington state that they vote "Yes" on Referendum 67 to pass the bill. Click here to view the official text of the bill. Tally of the results of Washington state voters on Referendum 67 on November 6, 2007: Congressional Bill ESSB 5726 was Passed into law by the voters. Thanks to support from FBIC's membership and website audience, Washington State Trial Lawyers Association and other interested groups and citizens.
  
  
• HEADLINE #9:  Current Insurance Industry Events Includes Complete Coverage Of NY State Attorney General (AG) Eliot Spitzer's Office Investigation And Charges Of "Widespread Insurer Fraud And Corruption", Illegal Practices And Criminal Activities Amongst The Country's Largest Insurance Companies (Incl. Hartford, AIG, Etc.). The Investigation Focuses On Independent Insurance Agencies And Agents And Their Under The Table Behind The Scenes Kickbacks And Commissions Received From Insurers To Swing Sales Their Way. (State Farm And Allstate Use Their Own Agencies And Agents). Investigations Also Include Other States' Attorneys General (AG's) Although On A Much Lesser Basis ... And Almost Non-existent Efforts By The States Departments Of Insurance (DOI's) And The National Association Of Insurance Commissioners (NAIC) ... Investigations By Various Federal Government Agencies Such As The U.S. Department Of Justice (DOJ) And Less Than A Half-hearted Effort By The Securities And Exchange Commissions (SEC). How Well Or How Poorly Will This Scrutiny Of Our Country's Largest And More Well Known Insurers (i.e. Hartford, AIG, Etc.) Stand Up To Probes That At Best Just Scratch The Illegal Activities Surface Of These Insurers? The Answer: "Shamefully Poor, Reflecting An Industry Pervasive With Widespread Fraud And Criminal Activities" That Harbors Much More Criminal Activities, Fraud And Corruption Yet To Be Exposed.  FBIC Reports On Current Events Of These Select Investigations Of The Insurance Industry's Darker Sides And More, Exposing The Illegal Practices, Civil And Criminal Charges Brought (Or Lack Thereof) Against Hartford, AIG, Marsh & McLennan, And More Insurance Companies By:
  
  

  States AG's

  The SEC And DOJ Federal Agencies

  States DOI's And The NAIC

  Other Related Investigations And Lawsuits Against Insurers

  Current Events And Goings-On In The Insurance Industry

  
  FBIC Reports The Comprehensive And The Whole Story Covering Updates And News Breaks As AG Spitzer's Office And Other State AG's Investigations Only Look Into Fraudulent Activities In The 'Sales' End Of Companies Such As Hartford, AIG, Marsh & McLennan And Many More Insurers But Avoid The Criminally Intensive 'Claims' Area Where It Is Very Well Known And No Secret That Bad Faith Insurance Practices And Widespread Fraud And Corruption By Companies Such As State Farm, Allstate, Hartford And Many More Major Insurers Are Far More Rampant And Pervasive And Knows No Illegal Bounds  ... Where The States' Insurance Regulatory DOI's Agencies' And Insurance Commissioners Say One Thing But Do Just The Opposite And Intentionally Look The Other Way Shirking Their Responsibilities To The American People And State Citizens. The SEC (And DOJ) Primarily Limits Their Investigations Into Deceptive Finite Reinsurance Practices And Fraudulent Accounting Practices.  (1) FBIC's "Introduction Sections" In Part Says It Like It Is As To Whether These Agencies' Investigations Are For Real Or Disingenuous And Just An Illusion To Deceive The American Public.  (2) FBIC's "Headlines Sections" Are A Must-Read Brief Comprehensive Overview Which Tell The Real Stories As To Whether Each Of The Agencies Investigations And Lawsuits Are For Real Or Not (Where They Announce Intentions To Investigate And/Or Bring A Lawsuit/Lawsuits But Then Do Nothing Or Completely Drop The Investigations And Lawsuits Later When No One Is Looking In Complete Disregard Of The Public Interest.  Reading Just The Headlines Is A Brief Must-Read Which In Many Cases Tells You The Whole Story As To Whether There Is Follow Through Or Lack Thereof By The Agencies. Where The Agencies Dropped The Ball Completely On A Specific Investigation (Or Dropped It With Just A Slap On The Hands Without Reporting It) FBIC Contacted The Agencies For Comment As To The Final Result Of Investigation Or Lawsuits But Received No Reply Or Comment.  (3) FBIC's "Library Articles Section" Provides And Reports The Complete Text Of Each Of The Articles Headlines By The Major Media Companies.  (4) In Sum, With So Much Fraud Exposed In One Industry, Now What?  Will There Be Any Change? Will The States Insurance Regulatory Authorities Continue To Have Exclusive Regulatory Authority Over The Insurance Industry Or Will The Federal Government Step In To Share Their Much Needed Oversight Over Our Country's Out Of Control Insurance Industry? Will The U.S. Government Will At Least Rescind The Archaic And Completely Unnecessary McCarron-Ferguson Act Of 1945 To Help Level The Playing Field Between The Powerful Insurance Industry Insurers Vs. The Public And Consumers?
  
  
• HEADLINE #10:  WHO IS REALLY RESPONSIBLE FOR DENIED CLAIMS OR PAYING CLAIMS? This was the subject of a recent trial in Ohio whereby a jury found Centre Life Insurance and Disability Management Services, the defendants, guilty of breach of insurance contract awarding $429,400 in compensatory damages, guilty of bad faith insurance practices with an award of $1,130,000 and a punitive damages award of $3 million.
  
  FBIC researchers found three explosive 'legal' court documents from Stark County Ohio. The first document is brief and best describes one of the ways that an insurer-Centre Life f/k/a Massachusetts Casualty, a third party administrator -Disability Management Services a/k/a DMS, and an affiliate reinsurer-Centre Reinsurance, which owns 40% of DMS, work in combination to intentionally evade payment of legitimate claims ... even going as far as falsifying information to an insurance commission. The second document is a more lengthy deposition, that of the President of Centre Life Insurance Company. The third document is the bad faith and punitive damages jury award.  A copy of these three must read eyebrow-raising court documents are contained herein.
  
  
• HEADLINE #11:  Attention All America's Workers:  Now, Upon Settlement Of Workers Compensation (WC)  Claims, Insurers Want You To Pay Them Back For All $$$ Amounts, Medical Bills And Healthcare Costs They Pay Out On Your WC Insurance Benefits Coverage, Leaving You With $ Zero Or Worse Yet $ Owing ... Outrageous! In Congress H.R. 2830, Sect. 307 and a similar bill in the Senate does just that. As part of the Pension Reform Bill, insurers have succeeded in having a provision quietly added to the House version and passed which ensures in all cases that the insurance company providing healthcare services will be paid back first in the event of a settlement. An attempt by insurers to add this same provision to the Senate version must be STOPPED NOW or The American Public Will Lose. Thanks to:  American Association for Justice (fmrly ATLA), FBIC,  FBIC's members and website audience, Congressional Bill H.R. 2830, SECT. 307 Was Defeated.
  
  
• HEADLINE #12: Authoritative Insurance Industry "White Paper" Provides Substantiated Documentation, Conclusive Evidence And Undeniable And Irrefutable Proof That Large Claims Are Willingly And Intentionally Being Denied And Not Paid. It Further Supports FBIC Bad Faith Insurance Data That The Unlawful Non-Payment Of Legitimate Claims, Mass Denials Of Coverage, And The Widespread Use Of Related Breach of Contract and Bad Faith Insurance Claims Practices Is More The Norm If Not Standard Operating Procedure By Many Of Our Country's Largest Insurers.  The Authoritative "White Paper" Stands On Its Own As An Indictment To The Growth Of Unlawful Bad Faith Insurance Practices During The Past 2-3 Decades Which Today Has Reached Epidemic Proportions. It Is Authored By A Former New York State Superintendent Of Insurance And Former President Of The NAIC (National Association Of Insurance Commissioners). Read All (And We Do Mean All) About The Insurance Industry Behind Closed Doors That Americans Don't Know About And Is The Complete Opposite Of What They Want You To Believe ... Don't Miss This Comprehensive Major FBIC Feature Story.
  
  
• HEADLINE #13: Another Former Insurance Commissioner, Insurance Industry Insider Speaks Out And Says It Like It Really Is Inside The Insurance Business And Industry, As He Shares His First-hand Knowledge And Experience With Us.  His Generous Documentation Confirms The Deceptive Sales Practices, Unlawful Mass Denied Claims And Widespread Denials Of Legitimate Claims Not Paid, The Pervasive Breach of Contract and Bad Faith Insurance Claims Practices Being Used By Many Of Our Country's Leading And Largest Insurers. In Support Of FBIC Bad Faith Insurance Claims Practices Facts, Statistical Data And Allegations, This Former Pennsylvania State Insurance Commissioner, Insurance Industry Former Insider And Advocate Tells It All ... Don't Miss His Compendium Of Articles, Advice And Insight Into The Insurance Industry And It's Practices. All American Consumers Should Recognize And Thank This Insurance Industry Insider For Being Brave Enough To Come Forward And Tell Us All About The Way It Really Is Behind The Wall Of Silence Of The Insurance Industry.
  
  
• HEADLINE #14: View Professionally Produced Videos And Investigative Exposés By The Major Television Networks (Free Of Charge On This Website) And See With Your Own Eyes Some Of The Common Bad Faith Insurance Claims Practices And The Extent That Major Insurers Are Involved In Widespread Corruption And Illegal Activities Involving Claims That Are Willingly Denied And Not Paid. The Videos Reveal Well Known Major Insurers Caught In The Act Of Committing Illegal And Deceptive Acts, And Phony Schemes Repeatedly Utilized By Numerous Bad Faith And Major Insurers To Deny Coverage And Not Pay Legitimate Claims ... Watch Them And You Be The Judge ....
  
  
• HEADLINE #15: Managed Healthcare Watch ... FBIC Reports On Bad Faith Insurance And Fraudulent Breach of Contract Activities By Managed Healthcare Companies And Their Partners ....
  
  
• HEADLINE #16: Medicare And The 2003 Prescription Drug Act Watch ... FBIC Reports On The Status Of Medicare And Frauds Committed Against Medicare.  FBIC Further Reports On The Medicare 2003 Prescription Drug Act As It Plays Out ... The Missed Steps Right From The Start Includes: (1) A Spendthrift Unnecessary $10B-$12B Financial Windfall Payment To Managed Healthcare Insurers With No Prescription Drug 'Insurance' Plan Or 'Insurance' Coverage?    (2) An Agreement Not To Negotiate Volume Discount Deals Or The Lowest Prices With Drug Companies, And Its A Prescription Drug Discount Card? (3) With No Medicare Plan Insurance And Unable To Negotiate Volume Discounts From Manufacturers, What Kind Of A Medicare Prescription Discount Drug Plan (Or Scam) Is This For America's Seniors? ....
  
  
  
   ****************************************************************** 
  
  

  ..... COMING TO FBIC .....

  ... THE FBIC RANKED BAD FAITH INSURERS FOR CLAIMS WILLINGLY NOT PAID/DENIED, AND GOOD FAITH INSURERS FOR CLAIMS WILLINGLY PAID ...
  
  300+ P&C Groups (Auto, Home, Workers Comp., Accident, PI, Business, Etc.)
  200+ Health & Life Groups (Life, Health, HMO, Disability, LTC, Etc.)
  2000+ P&C Companies (Auto, Home, Workers Comp., Accident, PI, Business)
  1000+ Health & Life Companies (Life, Health, HMO, Disability, LTC, Etc.)

  IN LATE-STAGE DEVELOPMENT AND WEB CONSTRUCTION
  
  

  * The FBIC Ranking '300+ Property & Casualty Groups' Bad And Good Faith Insurers, Notes On System Methodology And Research Sources.  (Includes Auto, Homeowner, Workers Compensation, Business, Accident, Personal Injury, Etc. Lines of Insurance). Ranking List Updated Quarterly. All Rights Reserved.
  
  

  * The FBIC Ranking '200+ Health & Life Groups' Of Bad Faith And Good Faith Insurers, Notes On Rankings, System Methodology And Research Sources.  
  (Includes Health, Life, HMO, Disability, LTC, Etc. Lines of Insurance).
  Ranking List Updated Quarterly. All Rights Reserved.
  
  

  * The FBIC Ranking '2000+ Property & Casualty Companies' Bad And Good Faith Insurers, Notes On System Methodology And Research Sources.  (Includes Auto, Home, Workers Compensation, Business, Accident, Personal Injury, Etc. Lines of Insurance). Ranking List Updated Quarterly. All Rights Reserved.
  
  

  * The FBIC Ranking '1000+ Health & Life Companies' Bad Faith And Good Faith Insurers, Notes On Rankings, System Methodology And Research Sources.  
  (Includes Health, Life, HMO, Disability, LTC, Etc. Lines of Insurance).
  Ranking List Updated Quarterly. All Rights Reserved.
  

  * To View FBIC Ranking System Research Sources, Methodology, Click Here.   ********************************************************** 

  ..... NOW AND ALWAYS AT FBIC .....

  ..... YOUR INSURANCE COMPLAINT COUNTS BIG-TIME AT FBIC .....

  Attention Insurance Claimants And Policyholders ...
  At FBIC, Your Bad Faith Insurance Claims Related Complaints
  Against Insurers Count Big-Time ... No Where Do They Count More.
  Click Here To Submit Your Online "Insurance Complaint Bad Faith Survey"!

   ********************************************************** 
  
  

  FREE PUBLIC VIEWING: PLAYING ONLY AT THIS WEBSITE

  View "Emmy Award Winning" Investigative Videos, Exposés Of Insurers Caught Committing Bad Faith Insurance Practices

  View For Yourself Insurers Engaged In Incriminating Schemes, Deceptive Acts And Other Bad Faith Insurance Practices ... And You Be The Judge!

  
  The following investigative exposés and videos, produced and broadcasted by the network television and cable media, uncover numerous examples of common and widespread bad faith insurers fraudulent actions and unlawful schemes to deny claims. Representing just the tip of the iceberg, for years they have been suppressed and kept secret as much as possible to the point that they have been little known by many and unaware by much of the Public, that is until now and in recent years as they have become more pervasive. Today, breach of contract and bad faith insurance practices have become so common and widespread by so many of our country's leading insurers, that they plague the industry and have become a serious industrywide problem. Bear in mind that the activities by the insurers exposed in the following videos herein are highly illegal but yet no congressional or enforcement authority have acted on them. This is why we ask consumers to buy insurance from Good-Faith insurers and not to buy from Bad-Faith insurers as this is the only way the American Public can take back it's power and stop insurers from victimizing all Americans, policyholders and claimants.
  
  The following videos on this website are free for the public to view. They are made available by FBIC for non-commercial educational purposes only .... copying is strictly prohibited.
  • "The Paper Chase" became one of the most honored broadcasts in journalism history, and it's for good reasons that only this website is believed to have the original broadcast for your viewing. View this well known Award winning investigative exposé, which reveals an example of an illicit system designed to intentionally deny claims, in this case a myriad of fraudulent IME bias and deceptive medical paper review schemes, and illegal bad faith insurance claim practices by insurer, State Farm. It is viewed in 4 Parts. Click to view each Part, one at a time (each Part plays about 15 minutes): Part 1, Part 2, Part 3, Part 4. (NBC Dateline)
  
  
  
  • An investigative exposé, "MIST" (for Minor Impact Soft Tissue Injury) reveals what FBIC has been expounding since it's website debut in 1998, that major insurers' mass denials and not paying claims is widespread. This investigative report, which includes secret documentation and proof uncovered by CNN, confirms that mass denials and widespread non-payment of claims was/are conducted as business usual policy by State Farm and Allstate Insurance Companies ... Farmers Insurance as well as "other insurers" are also implicated. These related bad faith insurance practices admittedly have been going on by FBIC alleged bad faith companies such as Hartford and other insurers since earlier in the 1990s. (Please fast-forward through a momentary interlude where CNN diverts from the report as it returns in a minute to the insurance segment.)  This investigative report is viewed in 2 Parts. Click to view each Part, one at a time: Part 1, Part 2. (CNN/Anderson Cooper 360 )
  
  
  
  • View the investigative segment called "Did Insurer Cheat Disabled Clients" which reveals and exposes examples of illegal practices and the fraudulent mass denial of claims actions against insured disability claimants by UnumProvident, the country's largest disability insurer. The exposé includes interviews and admissions attesting to the alleged pattern of illegal actions taken by employees in response to pressure by the Insurance Company to deny claims as well as testimony and further confirmation by the Insurer's former medical director as to the Company's repeated breach of contract and bad faith insurance claim practices and mass denial of claims policy. Click here to view (CBS 60 Minutes)
    
    
  • View the investigative exposé called "Benefit Of The Doubt" which reveals and exposes examples of the illegal mass denial of claims and fraudulent bad faith insurance claim practices by the country's largest disability insurer, UnumProvident. Click here to view (NBC Dateline)
    
    
  • View an undercover investigative exposé called "Allstate" involving Allstate Insurance Company which reveals another example of insurers committing illegal bad faith insurance practices advising claimants not to hire an attorney. Click here to view (ABC News Primetime)
    
    
  • View an investigative exposé called "Breaking The Mold" regarding a homeowner policyholder and toxic mold claimant revealing examples of the bad faith insurance claim practices by numerous bad faith insurers, in this case Farmers Insurance, and the damaging effects on the family. Click here to view (CourtTV)
    
    
  • View "Dangerous Liaisons", an investigative video exposé revealing some of the behind the scenes examples of blatant complicit, illicit and personal self-enrichment dealings by state DOI Commissioners, in this case involving former California DOI Commissioner Chuck Quackenbush in reference to six major insurers (incl. 20th Century, State Farm, Allstate, Farmers Insurance Group, Fireman's Fund, and Farmers Home Group) regarding California's 1994 Northridge earthquake victims. To this day because of these dealings, many claimants were never and/or have yet to be properly compensated. Click here to view (NBC Dateline)
    
    
  • View an "Eye On America Investigation" report regarding an example of an insured who made a claim on his homeowners policy to his insurer, State Farm, and see the price that the policyholder paid as a result for making a claim. The video also exposes the little known and secretive "big-brother-like" insurance industry database system C.L.U.E. (Comprehensive Loss Underwriting Exchange). The system maintained by the industry is purported to contain "all" information on policyholders, as well as each and everyone of us ... find out about it and view it here. Click here to view (CBS Evening News)
    
    
  • View "Home Insurance 9-1-1", an investigative video exposé revealing some of the behind the scenes examples of controversial insurer bad faith home insurance practices. "In the fall of 2003, one of the largest recorded wildfires in California's history destroyed over 2,200 houses and killed fifteen people. Soon after, many who'd lost their homes had a rude awakening: their insurance did not nearly cover their losses as expected." PBS' NOW in collaboration with Bloomberg Markets Magazine investigate tactics some insurance companies may be using to reduce, avoid, or stall homeowners' claims in an effort to boost their own earnings. Two major insurers are referenced: State Farm and Allstate. To this day because of these dealings, many claimants have yet to be properly compensated. Click here to view (PBS/Bloomberg)
    
    
    
   ************************************************************** Help The Many Insured Americans, Individuals, Families And Children Put In Desperate Need, Made Homeless Or Left Disabled As A Result Of A Denied Or Unpaid Covered Claim Due To The Growing Pervasiveness Of Bad Faith Insurance Claim Practices And The Mass Denial Of Claims By Bad Faith Insurers!
  It Could Very Easily Happen At Any Time To Anyone Including Yourself.
  Make A Difference Now And Help Stop Bad Faith Insurance From Happening, Support The FBIC Movement, 'Click Here' And Make A Tax-Deductible Donation.
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  Section 2
  
  Bad Faith Insurance Claim Practices
  ("Click here" to go to Bad Faith Insurance Claim Practices)
   

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  ..... FBIC FYI .....

  
  FBIC Membership Is Free To Victims Of Bad Faith Insurers. FBIC welcomes all who are victims of bad faith insurers to become a member (its free and only takes a minute or two) by completing FBIC's online Insurance Complaint Bad Faith Survey.

  
  FBIC Membership And Tax-Deductible Donation Information.   FBIC is incorporated and is classified by the I.R.S. as a charitable educational non-profit 501(c)(3) organization. FBIC's online web site information and services are provided free to the Public. To those of you who have been lucky up until now not to have bad faith insurance happen to them, and for those concerned about their fellow Americans who have been and have become the victims of bad faith insurance, and the increasing likelihood of bad faith insurance happening to themselves, their family, friends, relatives or next of kin, FBIC asks for your support by making sure that you only buy insurance from good faith insurers and not from bad faith insurers, and for your help by
  
  

  Making a Donation
  
  on FBIC's secure online server where Visa, MasterCard, American Express, Discover cards are accepted.
  
  By making a donation you automatically become a member of FBIC and your donation will immediately go to work in helping FBIC help its many financially and physically challenged members and victims, many of which have lost everything, become disabled and found themselves in dire straits with no help because of bad faith insurers ... donations also make it possible for FBIC to continue to make the great strides that it has in the past years bringing attention and heightening awareness in fighting back to stop the mass fraudulent practice of bad faith insurance. (FYI, donations can also be made anonymously and without inclusion or membership as requested if that be the donor's preference). Donations made to FBIC are tax deductible and play a critical role and important part in making it possible for FBIC to carry out its mission, help aid victims of bad faith insurance and make those who are responsible at bad faith insurer companies accountable for their illegal and fraudulent actions which effects all of America, all of its citizens, businesses and our local, state and federal governments. You can show your support and help by making a donation right now by clicking on Make A Donation Today ... we thank you for your help and support and for making this tax deductible donation today.
  
  FBIC Thanks You In Advance For Your Help And Support As Its Only Through Our Hard Work Since Our Inception In 1996 And Your Donation That We Have Been Able To Make The Great Initial Strides That We Have In Helping To Meet Our Most Difficult Objectives And By Your Helping Us To Reach Our Goals ... Together We All Win!

  
  FBIC Contact Information, Who We Are And What We Represent.   FBIC (Fight Bad-faith Insurance Companies) comprise a cross-section of successful business people, professionals and other individuals s networked throughout the United States who have one thing in common ... they all have or had legitimate claims that were denied by bad faith insurers to include major insurers, such as Hartford, State Farm, Allstate and many more, who started them on the most abusive, deceptive and illegal merry-go-round rides of their lives many of which are in the courts for more than ten years collecting interest on cases that were already decided by the trial courts years ago but the insurers just don't want to pay.  So the insurers lawyers have been given the task to intentionally delay and drag out the cases, putting off payment for as long as possible .
  
  FBIC wants to help Policyholders and Insureds in every way possible but the costs associated with telephone support and regular mail support are just too costly. The FBIC website has been developed and is still very much an expanding work-in-progress many years after it's inception.  FBIC is prudent and cost conscious. By making online resources and email available helps to keep our operation costs low and efficiency high, makes it so we can be more responsive, help and do our best to serve the U.S. Bad Faith Insurance Community's needs.
  
  For a number of our earlier years, there were those few that expressed concerns that this site might be something other than what it appears, such as some sort of cover for an insurance company or the insurance industry, be assured that there is no hidden agenda and that no individuals from FBIC are connected either with the insurance industry, an insurance company, brokerage, agency or agent, a company that legally represents an insurance company or a business entity of the insurance industry. FBIC does not sell insurance or certify, endorse or warrant insurance products, companies, brokers, agents or vendors and is not a referral service.
  
  FBIC members are Americans, are a diverse group and among the greatest people in the U.S. FBIC members are males and females, both young and senior, rich and poor, some with professional and others non-professional backgrounds, white and blue collar, and of all colors, races and creeds that want and believe in working towards a "true" "honest" and corruption-free and bad faith-free insurance industry (not to exclude the same for a democratic system of government, a justice system built on equality and accessibility for all, an honest, corruption-free and prosperous system of business and capitalism, and a social system that is based upon "equality and fairness" for all such as the founding forefathers of this great country would have wanted ... and hopefully one that would believe in "The Real American Way" as a way of life at the very least had no children living in poverty and where all Americans knew both self-respect and respect for others) and that this site is exactly what it honestly represents it is, A Consumer Advocacy! E-Mail comments to:

  MyBadFaithStory@badfaithinsurance.org
  Webmaster@badfaithinsurance.org
  Admin@badfaithinsurance.org
  
  
  

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  FBIC is Supported and Funded by Contributions from the Public
  Click Here To Support FBIC And Make A Tax-Deductible Donation Today
  
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  ..... LEGAL DISCLAIMER ALWAYS AT FBIC .....

  The following is not meant or offered as legal advice nor should be construed as such. FBIC is a consumer medium and advocacy and is neither a court of law nor legal counsel. In order to establish whether an insurer is in violation of "Bad Faith", "Unfair Insurance Claim Settlement Practices", "Deceptive Insurance Sales Practices" and/or other pertinent laws or statutes, and is not acting in "Good Faith", must be decided and is determinable by a court of law. Alleged violation(s) of these laws are subject to a court's interpretation of the specifics of your case and the laws as they may relate to applicable state statutes, other relevant statutes and case laws which may vary in some states. When in doubt, consult your state's Bad Faith Insurance Claim Practices Statutes and other pertinent applicable statutes that may apply, consult and reference case laws and key court interpretations. Most importantly, if you feel your insurer may be guilty of Bad Faith, Unfair Claims Settlement Practices and/or other pertinent illegal insurance practices and you feel you require legal advice, you should seek legal counsel from a licensed attorney admitted in good standing in your state or jurisdiction who is knowledgeable and familiar with the issues raised. Any reference on this website page and/or website to "Bad Faith" Insurance Practices or alleging to violations of law, such violations of law can only be determined as such by a recognized and authorized court of law. Such reference is provided herein for educational and public awareness purposes.
  To read our general website legal disclaimer and copyright, click here.

  
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