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Zalma Insurance Consultants
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By Barry Zalma
Some insurers, rather than acting in good faith and dealing fairly with their insureds, unjustly delay payment of claims until they are sued.
By Barry Zalma
Insurance, like all parts of modern society, is subject to the deprivations of the law of unintended consequences. The "Law" is defined as the understanding that "actions of people—and especially of government—always have effects that are unanticipated or ‘unintended.’.
By Barry Zalma
When a person is insured over multiple policy periods with multiple policies and incurs a loss that caused damage over two or more policy periods the procedure of applying the policy limit of each policy to the loss is known as stacking.