Delay, Deny, Defend

High school (ages 12+)
People & Society

Name:

Date:

Step 1 · Read the article

Open the article and read it at the level above. Then answer the questions below in your own words.

https://smallwhale.org/articles/delay--deny--defend

Write what each word means, using the article.

Do not copy the article. Write two things you learned, the way you would explain them to a friend.

Answers below are taken from the article’s stored facts, so they match what the student read.

1. Who wrote Delay, Deny, Defend?Professor of Law at Rutgers University
2. What is the book's central thesis?Insurance companies may employ 'Delay, Deny, Defend' tactics to avoid claim payouts
3. What is the publication imprint?Portfolio Hardcover, an imprint of Penguin Group
4. What does "Delay, Deny, Defend" mean?It is a pattern some insurance companies use to slow down the claims process, refuse to pay, or fight hard against a claim so they pay less money.
5. Why do insurance companies use this strategy?They want to keep more of the money they collect from premiums, so they try to reduce how much they pay out to claimants.

Implied Covenant of Good Faith and Fair Dealing: An assumption in contracts that parties will act honestly and fairly towards each other.
Policyholder: An individual or entity that owns an insurance policy.
Claim Payout Ratio: The proportion of premiums an insurer pays out in claims, used as a measure of profitability.