Author Ray Bourhis

Think Insurance Company Bad Faith Conduct is restricted to the U.S. and Canada? Think again...

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The Book

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The Author


Insult to Injury - Disability Insurance Reform

Interviews / Broadcast

Insult to Injury - Disability Insurance Reform
News / Press Release

Insult to Injury - Disability Insurance Reform

Insult to Injury - Disability Insurance Reform

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Ray's interviews
and seminars!

"What has happened
to Joan Hangarter
- and so many others
like her - is a grave
injustice. Readers of
this book should
urge their congressional representatives
to force the big
insurance companies
to honor their
obligations just
as the holders of
those policies
honor theirs."
John Garamendi,
Insurance Commissioner,
State of California


"Like a Grishom cliff hanger, only better. And true!
I was laughing and crying at the same time." J. Phillips Educator

To read the first chapter without obligation
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"Ray Bourhis continues his strong commitment to justice by successfully taking on the insurance industry and criminal fraud in this compelling case study. He makes it clear that we need to do much more to end the shameful abuses of the current system and guarantee honorable insurance coverage for every American."
Senator Edward M. Kennedy

"I've got nothing against profits, but they are not supposed to be made by lying, cheating, and defrauding people - by destroying their lives." -
Ray Bourhis, Insult to Injury


If you've ever had to deal with an insurance company to get the benefits you paid for you've probably wondered if the system is designed to get you to give up and go away.

According to Ray Bourhis, that's exactly what has happened in an
industry fueled by greed and facilitated by a system of
checks and balances that has ground to a halt.

Through the compelling stories of ordinary people who have been evicted from their homes and driven into bankruptcy as a result to fraudulent claims practices by insurance companies Bourhis shows how the industry has avoided accountability to the extent that neither lawsuits, punitive damage awards, federal court injunctions, television exposes nor newspaper headlines can derail their pursuit of profits.

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