Author Archives: Barry Zalma

Help, My House Is Falling Into The Sea – A Fraud That Failed

True Crime Story of Insurance Fraud Number 17 See the full video at https://rumble.com/vulmtw-help-my-house-is-falling-into-the-sea-a-fraud-that-failed.html and at https://youtu.be/evXcTlIHoU0 at https://youtu.be/OKg0gpzYJuA Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter … Continue reading

Posted in Zalma on Insurance | Leave a comment

Failure to Fulfill Material Condition Defeats Claim for Defense or Indemnity

Injury Leaving Porta-Potty not Covered by CGL for Failure of Condition Mitchell Baudoin sued seeking recovery for personal injuries received in a construction site accident. The trial court granted a motion for summary judgment filed by defendant, Accident Insurance Company … Continue reading

Posted in Zalma on Insurance | Leave a comment

Go Directly to Jail

True Crime of Insurance Fraud Number 16 See the full video at https://rumble.com/vui4js-go-directly-to-jail.html  and at https://youtu.be/g8jkyeCNO_4 at https://youtu.be/7Ce0cFlb5Vw Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or … Continue reading

Posted in Zalma on Insurance | Leave a comment

Issuance of an “Additional Insured Endorsement” Makes Policy Primary

Risk Transferred from Owner to Tenant’s Insurer Technology Insurance Company, Inc., as reinsurer and successor to Tower National Insurance Company (plaintiff), issued an insurance policy to plaintiff Roger S. Aumick covering certain property Aumick owns. Main Street America Assurance Company … Continue reading

Posted in Zalma on Insurance | Leave a comment

Zalma on Insurance Claims Third Edition – a Ten Volume Treatise

Available at Amazon.com Zalma on Insurance Claims – Second & Third Edition Ten Volumes Comprising A Comprehensive Group of Materials on Property & Casualty Insurance Claims Insurance claims professional and expert witness Kevin Quinley said about the following ten volumes: … Continue reading

Posted in Zalma on Insurance | Leave a comment

Who’s Cheating Whom? Insurance Fraud Hurts Fraudster

True Crime of Insurance Fraud Number 15 See the full video at https://rumble.com/vuei6q-whos-cheating-whom-insurance-fraud-hurts-fraudster.html?mref=6zof&mrefc=2 and at  https://youtu.be/batUshpci-U Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance … Continue reading

Posted in Zalma on Insurance | Leave a comment

Clear & Unambiguous Exclusion Must Be Enforced

Exclusion of Injuries To Resident is Effective Defendant, Cynthia Donnelly, sued her landlords after she injured herself when an allegedly defective stair collapsed under her at the rental property. The landlords, defendants Vidyasagar Cheekati and Vijaya Kasireddy (collectively, the Insureds), … Continue reading

Posted in Zalma on Insurance | Leave a comment

Don’t Sweat the Small Fraud

True Crime Stories of Insurance Fraud Number 14 Why Small Frauds Cost the Insurance Industry the Most See the full video at https://rumble.com/vuaq12-dont-sweat-the-small-fraud.html  and at https://youtu.be/k6Y6hjJASVg orhttps://youtu.be/xTDx7lIhTEY  Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud … Continue reading

Posted in Zalma on Insurance | Leave a comment

Go Directly to Jail, Do Not Pass Go

Chutzpah: Convicted of Insurance Fraud Appeals to Avoid Going to Jail Tarek Abou-Khatwa appealed his conviction of a complex, multi-year insurance fraud scheme. He previously asked the court to delay the start of his incarceration pending the outcome of that … Continue reading

Posted in Zalma on Insurance | Leave a comment

The Sixth Volume of the Eight Volume Construction Defect Book Now in Second Edition

Construction Defects and Insurance Claims – Volume Six Second Edition Now Available Construction defects have grown into one of the most active areas of litigation in the United States. This, the sixth volume of the eight volume treatise is the … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Stories of Insurance Fraud – Number 13

The Hawaiian Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud. This Video Blog of True Crime Stories of Insurance Fraud with the names … Continue reading

Posted in Zalma on Insurance | Leave a comment

Acceptance of an Offer of Judgment Resolves Litigation

Buyer’s Remorse: Motion to Amend to Claim to Assert Bad Faith After Accepting Settlement Fails Plaintiffs Eric Monzo and Dana Spring Monzo (hereinafter collectively “Plaintiffs”) sought damages against their homeowners’ insurance carrier, Defendant Nationwide Property & Casualty Insurance Company (hereinafter … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Stories of Insurance Fraud – Number 12

Insurance Fraud Based on a Claimed Serbo-Croation War See the full video at https://rumble.com/vtyw1s-true-crime-stories-of-insurance-fraud-number-12.html and at https://youtu.be/_Fy0hgNKDWI Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat … Continue reading

Posted in Zalma on Insurance | Leave a comment

Mutual Rescission May be Eliminated by a Balance of Equities

Michigan Allows Rescission for Fraud to be Avoided if Injured Party is Innocent Michigan Automobile Insurance Placement Facility (MAIPF) appealed an unpublished order of the Court of Appeals where the trial court ordered denying MAIPF’s motion for summary disposition and … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Stories of Insurance Fraud Number Eleven

The Dishonest Chiropractor/Physician See the full video at https://rumble.com/vtw148-true-crime-stories-of-insurance-fraud-number-eleven.html and at https://youtu.be/iB8UgGRxf5A A dishonest physician or chiropractor will, for a fee, prepare fictitious medical reports, including billings for multiple series of physical therapy treatments. Sometimes the report of a legitimate … Continue reading

Posted in Zalma on Insurance | Leave a comment

Insurance is a Contract of Personal Indemnity

If Insured Does Not Own or Control Auto no Liability Coverage Exists Appellant James West appealed summary judgment in favor of Shelter Mutual Insurance Company (“Shelter”). West arguedthat the circuit court erred in granting summary judgment to Shelter. In James … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Stories of Insurance Number 10

The Auto Fraud See the full video at https://rumble.com/vtsynk-true-crime-stories-of-insurance-number-10.html and at https://youtu.be/sRNjg_7fi7Y True Crime Stories from an Insurance Fraud Expert Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to … Continue reading

Posted in Zalma on Insurance | Leave a comment

Fraud by Licensed Paramedic & Criminal Conduct Can Result in Removal of License

Failure in Obligation to Self-Report Needs to be Proved Kevin A. Imhof (“Imhof”) appealed from the decision of the Board of Medical Licensure and Discipline (hereinafter the “Board”) finding that he engaged in unprofessional conduct. A final order of the … Continue reading

Posted in Zalma on Insurance | Leave a comment

Zalma’s Insurance Fraud Letter – February 1, 2022

ZIFL – February 1, 2022 Volume 26, Issue 3 See the full video at  and at https://youtu.be/5VPOIIOKxIQ or https://youtu.be/bP3i3DnF8Sg or https://rumble.com/vtquw2-zalmas-insurance-fraud-letter-february-1-2022.html The Issue Includes Stories Including Cease And Desist Order by California Department of Insurance Targets Illegal Vehicle Extended Warranty … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime of Insurance Fraud Number Nine

The Olde Time Fire – Arson For Profit See the full video at https://rumble.com/vthu76-true-crime-of-insurance-fraud-number-nine.html  and at https://youtu.be/vMvTiIiFoF0 True Crime Stories from an Insurance Fraud Expert Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated … Continue reading

Posted in Zalma on Insurance | Leave a comment

They Keep Trying but: Covid Shut-Downs of Business not “Direct Physical Loss”

Fifth Circuit Again Concludes Direct Physical Loss Required for Business Interruption Coverage Aggie Investments, L.L.C. owns and operates a tea and spice gift shop in McKinney, Texas. Like many businesses, Aggie Investments suffered a loss in revenue during the COVID-19 … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Stories of Insurance Fraud Number Eight

The Tiffany Kid See the full video at https://rumble.com/vtf9r4-true-crime-stories-of-insurance-fraud-number-eight.html  and at https://youtu.be/Dh2l2VJpd7Y Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud. This Video Blog … Continue reading

Posted in Zalma on Insurance | Leave a comment

Fraud Perpetrator Attempted to Use Court to Enforce Fraud

Body Shop May Not Force Insurer to Pay for Repairs not Performed Allstate maintains a network of repair shops called Good Hands Repair Network (Allstate’s “network shops”). The network shops repair vehicles at the price set forth in Allstate’s approved … Continue reading

Posted in Zalma on Insurance | Leave a comment

Second Edition of Volume Five of “Construction Defects and Insurance” Available

“Construction Defects And Insurance Volume Five Second Edition” The Tort Of Bad Faith And Construction Defects Construction defects have grown into one of the most active areas of litigation in the United States. This, the fifth volume, of the eight-volume … Continue reading

Posted in Zalma on Insurance | Leave a comment

Deepwater Horizon Litigation Continues to Resolve Insurance Issues

Failure to Pay Attention to Additional Insured Agreement is Expensive In the latest installment of litigation spilling out of the Deepwater Horizon offshore explosion and fire centers on who should pay for personal injury claims brought by employees of two … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Videos About Insurance Fraud Number 6

The Case of the Art Flambé See the full video at https://rumble.com/vt9q78-true-crime-videos-about-insurance-fraud-number-6.html and at https://youtu.be/en6Lp33YkvM Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud. … Continue reading

Posted in Zalma on Insurance | Leave a comment

Declaratory Relief Action Does not Impinge on State Court Tort Action

Federal Court Retains Jurisdiction on Insurance Coverage Issue After an automobile collision in which James Bryant (“Bryant”) was driving a vehicle owned by RSS, LLC, and Steven Hughes (“Hughes”), and hit Glynn Allan Smith (“Smith”) (collectively “Defendants”) resulted in an … Continue reading

Posted in Zalma on Insurance | Leave a comment

Public Policy & No Insurance Defeats Negligence Claim

Court’s Duty Is To Declare What The Law Is, And Not What It Ought To Be Leodis Sledge appealed the trial court’s grant of summary judgment to the City of Pine Bluff, Arkansas, et al on his claims of negligence … Continue reading

Posted in Zalma on Insurance | Leave a comment

A True Crime Story of Insurance Fraud

Uninsured Motorist See the full video at https://rumble.com/vt719s-a-true-crime-story-of-insurance-fraud.html  and at https://youtu.be/fAED2GUGwy8 Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud. This Video Blog of … Continue reading

Posted in Zalma on Insurance | Leave a comment

Awareness of an Alleged Injury is not Enough to Constitute a Claim

Claim Must Be Made During Policy Period to Obtain Coverage on a Claims Made Policy Heart Rendering Damages Not Enough to Require Insurer to Defend or Indemnify When he was just about two years old, Braylon Jordan swallowed small magnets, … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Stories of Insurance Fraud

The Largest Residential Burglary of All Time See the full video at https://rumble.com/vsykdo-true-crime-stories-of-insurance-fraud.html and at https://youtu.be/NAtEec_k238 Within seven days of the delivery of his policy, a “burglary” was reported. A total of $7,000,000.00 of specifically identified and scheduled personal property … Continue reading

Posted in Zalma on Insurance | Leave a comment

Insurance is a Contract of Personal Indemnity

Insurer’s Only Obligation is to the Person Insured Who’s on First or Only Person Insured May Collect on a Fire Policy It is axiomatic that first party property insurance is a contract of personal indemnity. It does not follow title … Continue reading

Posted in Zalma on Insurance | Leave a comment

Jeweler’s Inventory Exists to be Sold

Diminution in Value of Stock of Jeweler is a Direct Physical Loss Before the court was a Motion for Partial Summary Judgment  filed by defendant Great American Insurance Company of New York (“Great American”) seeking dismissal of plaintiff’s claims of … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Story “How Not to Commit Arson”

A True Crime Video on How Not to Commit Arson See the full video at https://rumble.com/vstwpu-true-crime-story-how-not-to-commit-arson.html?mref=6zof&mrefc=2   and at https://youtu.be/ZMSplau7qG4 Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a … Continue reading

Posted in Zalma on Insurance | Leave a comment

Treble Damages are Punitive & Excluded by Policy

Punitive Damages Fail Their Purpose if Insurable An insurer sought a declaratory judgment for the purpose of adjudicating whether its insurance policy excluded treble damages pursuant to Oklahoma state statute 47 O.S.2011, § 10-103. The Insurer filed a motion for … Continue reading

Posted in Zalma on Insurance | Leave a comment

True Crime Stories About How Insurance Fraud Costs Everyone

Fictionalized True Crime Stories of Insurance Fraud from an Expert See the full video at https://rumble.com/vsrp0o-true-crime-stories-about-how-insurance-fraud-costs-everyone.html and at https://youtu.be/36jYKL71QaI Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads … Continue reading

Posted in Zalma on Insurance | Leave a comment

Injured While Abating Asbestos Clearly Excluded

Conspicuous, Plain and Clear Exclusinon of Injury Arising Out of Asbestos Removal is Effective After a fire on one of its refineries injured two workers, killing one of them, appellant Motiva Enterprises LLC (Motiva) sought insurance coverage from the companies … Continue reading

Posted in Zalma on Insurance | Leave a comment

Construction Defects & Insurance Volume 4 Second Edition

Liability Insurance & Construction Defects See the full video at https://rumble.com/vsrbjo-construction-defects-and-insurance-volume-4-second-edition.html and https://youtu.be/oXqh5pm1jgw Construction defects have grown into one of the most active areas of litigation in the United States. This, the second edition of volume four of the eight … Continue reading

Posted in Zalma on Insurance | Leave a comment

Zalma’s Insurance Fraud Letter – January 15, 2022

ZIFL January 15, 2022 Volume 26, Issue 2 See the full video at https://rumble.com/vsl8pc-zalmas-insurance-fraud-letter-january-15-2022.html and at https://youtu.be/n6McP2y2_lI A ClaimSchool™ Publication © 2022, Barry Zalma & ClaimSchool, Inc., Go to my blog & Videos at: Zalma on Insurance, And at https://zalma.com/blog, Go … Continue reading

Posted in Zalma on Insurance | Leave a comment

Supreme Court of Delaware Applies Policy as Written

Economic Damages not a Risk Insured Against Insurance is not Designed to Cure Public Ills The Supreme Court of Delaware was asked whether insurance policies covering lawsuits “for” or “because of” personal injury require insurers to defend their insureds when … Continue reading

Posted in Zalma on Insurance | Leave a comment