HAMMEL V. STATE FARM: 3 ZUNIGA DECLARATIONS: "5. The Taylors' claim was denied by personnel working in the
so-called 'Special Handling Unit.' In addition to the claims
handling documents mentioned above, we never produced to Mr.
Bernheim a document memorializing a SHU meeting at which the
subject of unauthorized signatures on applications omitting
earthquake insurance was discussed. This document has a heading
as follows:
'Problem areas
- Telephone apps [applications]
- EQ [earthquake] has to be in person.
Und. [Underwriting] was supposed to catch 'not signed'
- in some cases the agent or staff signed it.'"
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