Earthquake Insurance In California:Environmental Policy And Individual Decision-making Risa I Palm
Insurance Laws of the State of California:A compilation of the statutes of the State and the ordinances of the City of San Francisco relating to insurance corporations and their business in this State J. W. Foard
Earthquake Insurance:A Longitudinal Study Of California Homeowners Risa I Palm
License Registration and Proof of Insurance Please!:Traffic Violator School in California Timothy Karo
When a marketing rep comes into your office or someone from the management team and tells you to ´´sell the value´´, how often do you find yourself rolling your eyes? As a former agency owner and now a consultant, I often find myself spouting the same slogan. Why? Because, I have done it and done it quite successfully. Whenever a rep came into my office and told me to sell the value of carrier X, I would think that’s something an expensive company would say or an overpriced company, because what else could they say?We’ve officially entered a hard market cycle in California on the personal lines side, which is strange to even say.The market has tightened up and many carriers are non-renewing or reducing underwriting appetite to not take on a lot of new business in California. This is why I started writing in 2014 and again in 2017, 2018 and 2019. In my estimation our industry is going to see a massive shift over the next three or four years. A shift from judgement underwriting to block chain and data underwriting. Artificial intelligence has already been underwriting, selling and handling claims for smaller insure-tech companies for the past four years. This is a prevalent trend in our industry. But, why?Why? Because, we have shifted our focus from selling peace of mind to selling a price. Why? Because, we have put more value on talking about premium, payments and price, than having hard conversations about protecting assets and families. We have shifted hard on price, and almost every insurance company has followed suit in their marketing efforts. Almost exclusively every billboard, social media ad and print ad espouses X insurance carrier savings you up to 25-43 percent on your insurance per year. The conversation has shifted in a way that will cannibalize our industry and wrongfully set expectations for consumers.A recent study by insurancequotes.com found that around 80 percent of consumers self-report in blind surveys that con 1. Language: English. Narrator: Rich Brennan. Audio sample: http://samples.audible.de/bk/acx0/149187/bk_acx0_149187_sample.mp3. Digital audiobook in aax.
Jack Wade, a claims adjuster for California Fire and Life Mutual Insurance Company, is one of the best arson investigators around. He´s a man who knows fire, who can read the traces it leaves behind like a roadmap. When he´s called in to examine an unusual claim, the tracks of the fire tell him that something´s wrong. So wrong that he violates his own cardinal rule - ´´You don´t get personal, you don´t get emotional. Whatever you do, you don´t get involved´´ - and plunges into the case. Real estate mogul Nicky Vale´s house is one of the most valuable properties on this stretch of the Southern California gold coast - large, luxurious, crammed with antiques, set on a nice piece of land with a perfect ocean view. After a disastrous blaze tears through a wing of the house, it´s only normal that Vale would file an insurance claim. But a $3 million claim is rarely normal, especially not when it´s filed within hours of the horrific death of the owner´s young and beautiful wife. The County Sheriff´s Department investigator, Brian ´´Accidentally´´ Bentley, has declared the fire, well, accidental - caused by Mrs. Vale´s passing out in bed with a bottle of vodka and a lit cigarette - although a careful look at the evidence points to something more sinister. When Jack begins his investigation, he draws on his skill, experience and sheer stubbornness to uncover the truth of what´s going on, but each step leads him further into a situation that´s becoming increasingly dangerous. Soon arson is the least of Jack´s worries, as the case grows to involve the Russian mob, Vietnamese gangs, real estate scams, counterfeiting and corporate corruption. In addition, Jack´s forced to confront his own ghosts, including a fatal professional error, and to cope with the sudden reentry into his life of the best thing that ever happened to him: Letitia del Rio, a Sheriff´s deputy whose bombshell looks are exceeded only by her smarts and guts. 1. Language: English. Narrator: Jon Lindstrom. Audio sample: http://samples.audible.de/bk/rand/004099/bk_rand_004099_sample.mp3. Digital audiobook in aax.
Middle age hits hard for Karen Grace. She’s spent her entire career working for one corporation, an increasingly soul-sucking health insurance company in southern California. Nearing the big five-oh, Karen´s marriage is foundering, and her mother’s health is declining. All she has left is her work family, the employees she’s mentored and nurtured over the years. When a young corporate gunslinger arrives, determined to fire them all and shut down the Newport Beach office, Karen goes to war. California Blues is the novella-length prequel to the empowering, uplifting Karen Grace/Blues series. 1. Language: English. Narrator: Jennifer Jill Araya. Audio sample: http://samples.audible.de/bk/acx0/131394/bk_acx0_131394_sample.mp3. Digital audiobook in aax.
When jeweler-to-the-stars Elena Eaton is ensnared in a daring jewelry heist on the night of the Academy Awards, she discovers that nothing in La La Land is as it seems. As her sterling reputation and private life suddenly turn into tabloid fodder, a family emergency draws her back to her hometown of Sydney, Australia. With her family´s rare blue diamonds from India missing and her career in jeopardy, her problems mount when an infuriatingly handsome insurance investigator, Jake Greyson, follows her to Sydney, suspecting her of involvement in the robbery. Yet Elena´s grandparents see more in Jake than she does. After a night at the opera and a walk on the beach, Elena and Jake soon find themselves more attracted to each other than either of them planned. But can she trust him with an old family secret regarding the rare diamonds? Sparkle is the sixth book in the Love, California series of linked, stand-alone novels. Follow a group of smart, stylish friends as they navigate the turbulences of modern life and dating. Set in Southern California, with international travel, this fun, heartfelt series features a group of best friends determined to live the lives of their dreams. 1. Language: English. Narrator: Erin Bennett. Audio sample: http://samples.audible.de/bk/idel/000044/bk_idel_000044_sample.mp3. Digital audiobook in aax.