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It's the story the insurance industry doesn't want you to know. Now, for the first time, the story covered in the legal edition of From Good Hands to Boxing Gloves is available to the public. Find out for yourself why insurance companies are improperly denying and delaying claims, then defending their behavior at trial. The book takes you from the ideas arising from the masterminds behind the Enron business model, through their impact on the insurance industry, and the resulting claim denials in everything from minor auto accidents to Hurricane Katrina claims. Author David Berardinelli is the trial lawyer who diligently worked to become the first to obtain the McKinsey Documents unprotected. In this book, he discusses how these documents teach insurers to profit by denying or delaying claim payments. Learn how Allstate changed from dealing with policyholders with "Good Hands" to "Boxing Gloves" Discover how this has led to the highest profits in insurance company history during years with our country's largest natural disasters.
- Sales Rank: #305497 in Books
- Published on: 2008
- Binding: Paperback
- 191 pages
Most helpful customer reviews
4 of 4 people found the following review helpful.
Boxing Gloves viz Obamacare
By Leonard Daneman
I fought Allstate from 2001 to 2005, the beginnings of its 'Boxing Glove' era. In fact, my attorney was the 'Whitney' mentioned in the Acknowledgements in Berardinelli's book.
My thesis was the reduction in settlements not so much affecting Allstate's profits, but denying hospitals and healthcare systems their Right of Recovery, or Subrogation of their billable medical costs caring for their subscribers injured in automobile accidents.
This calculated reduction by Allstate through Kinsey did increase Allstate's profits, but the loss of contractual recovery from settlements to their subscribers resulted directly in the increase of our health insurance premiums, doubling them in less than ten years.
Where does Obamacare come in? Obamacare is attacking the private insurance industry (I have a 2009 e-mail directly from the White House admitting Obamacare was written to destroy private insurance) in order to gain unrestrained access to the percentage of your insurance premiums (tax) that is supposed to be a fiduciary fund for 'fast and fair' payment of healthcare and medical costs . . . according to Berardinelli in 'Boxing Gloves,' that is about 75 cents of every dollar of premium.
This access will be outright theft, a defrauding of payers for purposes of political power and redistribution . . . the only way to profit will be rationing and denial of care . . . all the while increasing your premiums, forcing you to pay them under threat of IRS sanctions.
12 of 12 people found the following review helpful.
Good and alarming
By Tyler Forge
Executive Summary: If you have a claim against Allstate, Farmers, State Farm, etc. you have a choice to make. Do you want your claim paid promptly or fairly? Most people choose promptly because they need the money right away. They accept 60%-70% of their claim value. If you want to be paid fairly, then retain a lawyer immediately.
Further note: Lawyers and prospective plaintiffs should read this book. It flows well and quickly. It also helps you realize what you're about to get into. Insurance companies don't play nice or fair. That's to be expected though because Berardinelli assembles the facts and presents a clear case of what these companies actually are - and it ain't nice. Basically, they are predatory and use peoples moments of greatest weakness as profitable opportunities.
OK OK, a bit about the actual book.
Berardinelli points out early why insurance companies are regulated differently from other companies. It's because they, essentially, hold their customer's money in trust with the promise of paying out that money when the customers need it. The problems arise when an insurance company decides that it would rather pay that money to its executive and shareholders. Unlike other companies, like retailers, you pay insurance in return for the promise that someday, if you need ever it, your claim will be paid promptly and fairly.
Sadly, they have no interest in keeping their promise. Insurance executives get paid out of the profits, the more the better.
So, the insurance companies are structured with processes that maximize profits. Maximizing profits means ripping off the customers as much as possible. The only thing that keeps them in check is litigation. That's why insurance companies are so very interested in tort reform. They make a nice profit if they hose 99 people out of $5,000 and pay 1 person $100,000 in punitive damages for unfair business practices. A very nice profit indeed.
14 of 14 people found the following review helpful.
Brilliant, Important & Informative
By R. G. Roberts
I'm not aware of another book of this quality, insight or ease of reading on this subject. The author devoted years of tenacious detective work and fact-finding in order to obtain insights and previously confidential information about claims practices at Allstate Insurance. His findings are credible and fact-based. His intellectual curiosity and inferential thinking are very strong, yet his ability to piece together and tell the story in simple, easy-to-read and highly understandable language are even more impressive. This is a first rate job of analysis of an important topic. It focuses on the claims practices initially instituted by Allstate Insurance in its automobile business and subsequently spread throughout it's property and casualty business. The net effect was to greatly reduce settlements to Allstate's customers and claimants while growing the company's operating profits significantly. It both raises deep concerns about, and also helps to explain how anti-consumer practices of such great magnitude could have escaped the detection of regulatory and oversight agencies for so long.
Since the book was published, sufficient additional information has come to light through the availability of respected management consultant McKinsey & Company's work for Allstate that a follow-up version of this book would be even more valuable. Nonetheless this book is essential reading for individuals who believe that their insurance claims may not have been handled fairly by Allstate, or who may be considering the purchase of home, auto or other P&C insurance from Allstate. The practices perfected by Allstate, with McKinsey's assistance, were pioneered by McKinsey at State Farm and elsewhere prior to initiating work at Allstate. Therefore investors, regulators or consumers interested in any of these companies will find this book important reading. Additionally this is "must" reading for insurance professionals interested in keeping their industry "clean", attorneys interested in insurance law and claims practices, those interested in the preservation of corporate ethics and the rule and protection of the law in free market economics, as well as students of first class problem solving will all benefit from and appreciate this book. Overall it is an impressive, insightful, important and highly readable piece of work. I cannot vouchsafe that every single fact and interpretation is correct, but am sure that further refinement of the author's findings will occur as more data comes to the fore.
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