Author Ray Bourhis, Hangarter's attorney in the case, walks readers through this shocking case study in bad faith double-dealing by insurance providers. In an engaging narrative style, Bourhis reveals the back-room strategic mind-set that drives these illegal practices, how low-level employees are duped into unethical conduct, and how insurers manipulate data and witnesses in the few cases that do go to trial. He also explains the key regulatory oversights that enable these kinds of practices to continue unchecked, and how the American legal system actually facilitates insurer fraud.

Insult to Injury closes with a roadmap to reform—advice no one who holds a policy can afford to ignore.