Theissue of paying promptly vs adhereing to practical discipline to paying only covered losses becomes too easily compromised. Accountibility would work.
So Mr. Gallagher what are you going to do about the real insurance problems in Florida? It seems to me that if the residents of our once fine state have no companies to buy coverage from that we will not need to worry about fraud being committed against them.
Our officials in this state are the finest that political money can buy.
How pathetic when you consider fraud as the real issue and ignore the lack of market capacity in this state. However i understand his motivation and desire to be our next govenor.He has been in elected office in this state before. He wont get my vote.
Can our good friends at Citizens afford penalties like this? They\’re already losing money, and now they\’ll have to actually look closely at claims to see if there\’s evidence of fraud…YEESH! Look out, citizens of FL. Those previous assessments will look like pocket change!
I want to preface these comments by saying I personally think Gallagher is a fraud himself, & yes I am Republican. He has been in Fla. politics WAY to long & needs to go and the people of Fla. need to stop electing him.
In regards to the issue of fraud, until the public stops thinking that it is okay to inflate an insurance claim of any type for any amount, this will always be a problem. As a former adjuster, it was common place for customers to request a body shop or contractor to inflate the estimate to help cover their deductible. Until people start holding each other accountable, it will never change. Not only that, if the state would allow the insurance companies to charge adequate rates for the types of risks they are insuring, there probably would be more capacity.
Ever notice how all of the new fraud \”initiatives\” involve more regulation on the carriers? When insurance fraud first became an \”issue\”, back in the 70\”s, the response wasn\’t to elevate frayd from misdemeanoer status to felony status. No, it was to force the companies to put a warning on evey piece of paper that the claimant filled out telling the crooks that fraud was a crime. Like that would stop anyone from maikng a fraudulent claim.
Then, they had us stamp the back of checks with fraud language, as if that would stop anyone from actually cashing the check obtained by fraudulent means.
I used to turn in at least one fully developed fraud case a month, with enough evidence to get an indictment. Yet, the local Fraud guys made it pretty clear (if you could ever get them to actually resond) that unless it was a ring; or a lawyer or doctor was involved, they weren\’t going to waste the time and effort. They wanted the headline grabbing arrest (which, by the way, hardly ever came), instead of a solid conviction that only made the back of the second section of the Miami Herald, if at all.
What will stop fraud is when every case, now matter how small, is jumped on with both feet. Mandatory minimum sentences of five years. A national registry for anyone convicted of an insurance fraud related crime that carriers can refer to when they get a claim of any type; heck, even an application for coverage of any type. Immediate deportation of any alien convicted of an insurance fraud related crime (yes people, a lot of fraud is conducted by people here on student and work visas).
Instead of heaping more responsibily on the carriers, who\’s coerced compliance is then set aside 99% of the time, let\’s get serious about doing soemthing with the fraud cases that get referred beside \”make a good act of contrition and promise to sin no more\”.
Insureds, claimants and their lawyers, have been ripping insurance carriers off for years. They are the same people griping about rates going up.
Everyday of the year a business or restaurant is sued by unscrupulous people for cracked teeth, falling down, etc.
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Theissue of paying promptly vs adhereing to practical discipline to paying only covered losses becomes too easily compromised. Accountibility would work.
So Mr. Gallagher what are you going to do about the real insurance problems in Florida? It seems to me that if the residents of our once fine state have no companies to buy coverage from that we will not need to worry about fraud being committed against them.
Our officials in this state are the finest that political money can buy.
How pathetic when you consider fraud as the real issue and ignore the lack of market capacity in this state. However i understand his motivation and desire to be our next govenor.He has been in elected office in this state before. He wont get my vote.
Can our good friends at Citizens afford penalties like this? They\’re already losing money, and now they\’ll have to actually look closely at claims to see if there\’s evidence of fraud…YEESH! Look out, citizens of FL. Those previous assessments will look like pocket change!
I want to preface these comments by saying I personally think Gallagher is a fraud himself, & yes I am Republican. He has been in Fla. politics WAY to long & needs to go and the people of Fla. need to stop electing him.
In regards to the issue of fraud, until the public stops thinking that it is okay to inflate an insurance claim of any type for any amount, this will always be a problem. As a former adjuster, it was common place for customers to request a body shop or contractor to inflate the estimate to help cover their deductible. Until people start holding each other accountable, it will never change. Not only that, if the state would allow the insurance companies to charge adequate rates for the types of risks they are insuring, there probably would be more capacity.
Ever notice how all of the new fraud \”initiatives\” involve more regulation on the carriers? When insurance fraud first became an \”issue\”, back in the 70\”s, the response wasn\’t to elevate frayd from misdemeanoer status to felony status. No, it was to force the companies to put a warning on evey piece of paper that the claimant filled out telling the crooks that fraud was a crime. Like that would stop anyone from maikng a fraudulent claim.
Then, they had us stamp the back of checks with fraud language, as if that would stop anyone from actually cashing the check obtained by fraudulent means.
I used to turn in at least one fully developed fraud case a month, with enough evidence to get an indictment. Yet, the local Fraud guys made it pretty clear (if you could ever get them to actually resond) that unless it was a ring; or a lawyer or doctor was involved, they weren\’t going to waste the time and effort. They wanted the headline grabbing arrest (which, by the way, hardly ever came), instead of a solid conviction that only made the back of the second section of the Miami Herald, if at all.
What will stop fraud is when every case, now matter how small, is jumped on with both feet. Mandatory minimum sentences of five years. A national registry for anyone convicted of an insurance fraud related crime that carriers can refer to when they get a claim of any type; heck, even an application for coverage of any type. Immediate deportation of any alien convicted of an insurance fraud related crime (yes people, a lot of fraud is conducted by people here on student and work visas).
Instead of heaping more responsibily on the carriers, who\’s coerced compliance is then set aside 99% of the time, let\’s get serious about doing soemthing with the fraud cases that get referred beside \”make a good act of contrition and promise to sin no more\”.
Chris (the last post) has my vote for Governor, Heck I think the Burger King would be a better Governor than Gallagher.
Insureds, claimants and their lawyers, have been ripping insurance carriers off for years. They are the same people griping about rates going up.
Everyday of the year a business or restaurant is sued by unscrupulous people for cracked teeth, falling down, etc.