Category Archives: Zalma on Insurance

insurance, insurance coverage, insurance claims, insurance bad faith, claims, investigation, fraud.

Arbitration Clause in Policy Void in Louisiana

Right of Contracting Parties to Arbitrate Prohibited by Louisiana Statute Post 4822 See the full video at https://rumble.com/v516tn2-arbitration-clause-in-policy-void-in-louisiana.html and at https://youtu.be/2GVDvgrozXg Plaintiff SKAV, L.L.C. owns a Best Western hotel in Abbeville, Louisiana. The hotel was damaged when Hurricane Laura, one … Continue reading

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Litigation Sloth Defeats Suit

Taking Six Years to Sue Insurers is Time Barred Post 4821 See the full video at https://rumble.com/v50y5hz-litigation-sloth-defeats-suit.html  and at https://youtu.be/3i5ISVONoeo The appellate courts of the state of New York are noted for their ability to resolve an appeal quickly and … Continue reading

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Insurer Has the Right to Oppose Plan that Exposes it to Potential Fraud

SCOTUS Unanimously Gives Insurer Right as a “Party in Interest” to a Chapter 11 Bankruptcy Post 4820 See the full video at https://rumble.com/v50smbk-insurer-has-the-right-to-oppose-plan-that-exposes-it-to-potential-fraud.html and at https://youtu.be/UNNQe2Rn_10 Truck Insurance Exchange is the primary insurer for Kaiser Gypsum Co. and Hanson Permanente … Continue reading

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No Financial Loss – No Coverage

Cybersecurity Policy Requires Direct Financial Loss Post 4819 See the full video at https://rumble.com/v506vjc-no-financial-loss-no-coverage.html  and at https://youtu.be/XoAdc5T41Ho Insured Cannot Claim for Loss Incurred by Customer After suffering from a phishing scam, Door Systems, Inc. (appellant) sought coverage under a cybersecurity … Continue reading

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RICO Suit Against Chiropractors

Allstate Effectively Alleges RICO Conspiracy by Chiropractors to Defraud Allstate Post 4818 See the full video at https://rumble.com/v4zz9q9-rico-suit-against-chiropractors.html  and at  https://youtu.be/tsag6p5fdYE Allstate Effectively Alleges RICO Conspiracy by Chiropractors to Defraud Allstate In Allstate Insurance Co. et al. v. Lint Chiropractic … Continue reading

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Chutzpah From Convicted Dentist

Sentenced to 20 Years in Prison for Medicaid Fraud Yet Demands Return of his License to Practice Dentistry Post 4817 See the full video at https://rumble.com/v4zr3ph-chutzpah-from-convicted-dentist.html  and at https://youtu.be/KJBOw53VXG8 THE LICENSE REVOCATION The Board of Dental Examiners revoked Seth Lookhart’s … Continue reading

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No Coverage for Covid Caused Damage

Covid Virus Does not Cause Direct Physical Damage to Property Post 4816 See the full video at https://rumble.com/v4zjltl-no-coverage-for-covid-caused-damage.html  and at https://youtu.be/RnfCBhHSiRc California Supreme Court Finds no Coverage Under First Party Property Policy for Covid-19 Claims The Ninth Circuit’s Inquiry In … Continue reading

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Arsonist Must Pay Restitution to Insurer

Yes, Insurance Company is a Victim of an Arson Post 4815 See the full video at https://rumble.com/v4zbzx6-arsonist-must-pay-restitution-to-insurer.html  and at https://youtu.be/QXuYiqhb2aI In September 2019 Otho Harris visited a Boost Mobile store for assistance with his broken cellphone. He became enraged when … Continue reading

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Liars Never Prosper

Failure to Tell the Truth on an Insurance Application Voids Entire Policy as if it Never Existed Post 4814 See the full video at https://rumble.com/v4zaz2z-liars-never-prosper.html and at https://youtu.be/vIOTuU_VE_M Ms. Stephens demanded that Defendant Great American Assurance Company (“Great American”) provide … Continue reading

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Zalma’s Insurance Fraud Letter – June 1, 2024

ZIFL Volume 28, Issue 11 Subscribe to ZIFL Here  Post 4813 See the full video  at https://rumble.com/v4ygd95-zalmas-insurance-fraud-letter-june-1-2024.html  and at https://youtu.be/1LCF1mcHGa8 Read the full 26 page issue here in Adobe pdf format. The Source for the Insurance Fraud Professional Zalma’s Insurance … Continue reading

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Appeal Dismissed Even With Fraud Allegation

Appeal Lost Due to Failure to Provide an Adequate Record Post 4810 See the full video at https://rumble.com/v4y7lf3-appeal-dismissed-even-with-fraud-allegation.html  and at https://youtu.be/xxyIPIz63Ws In an action to recover damages for personal injuries, the defendant Myrtle 6, LLC, appealed from an order of … Continue reading

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Umbrella Does Not Have Same Exclusion as Primary

Umbrella Does Not Have Same Exclusion as Primary See the full video at https://rumble.com/v4xzckf-umbrella-does-not-have-same-exclusion-as-primary.html  and at https://youtu.be/RM_w_8VHfSc Post 4809 Many companies find that a single policy of liability insurance is inadequate and purchase multiple layers or insurance. Many times the … Continue reading

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Indictment Establishes Probable Cause

Suit for Malicious Prosecution Requires Favorable Termination of Prosecution Post 4809 See the full video at https://rumble.com/v4xqzoe-indictment-establishes-probable-cause.html  and at https://youtu.be/DqbMu-GYJ8M Mrs. Marty Spann alleged that Defendants Asurion Insurance Services, Inc. (“Asurion”); former District Attorney General Bruce Griffey; and Tennessee Wildlife … Continue reading

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Arson-for-Profit Scheme Fails

Innocent Co-Insureds Have no Rights to Proceeds When Fraud Committed on Their Behalf Post 4808 See the full video at https://rumble.com/v4x6n8o-arson-for-profit-scheme-fails.html  and at https://youtu.be/ZexKEbMKdSY. Plaintiffs Timeless Bar, Inc. and Horseshoe Club, LLC sued their insurer Illinois Casualty Company, claiming the … Continue reading

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Insureds are Made More Equal Than Insurers

California Court of Appeals Extends Meaning of Statute to Make Insured More Powerful than Insurers at EUO See the full video at https://rumble.com/v4wyumz-insureds-are-made-more-equal-than-insurers.html  and at https://youtu.be/WBg5dqy8nPM. Post 4807 As George Orwell explained in his novel “Animal Farm” we are all … Continue reading

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Who’s on First?

Insurers Dispute Who Must Defend Additional Insured Post 4806 See the full video at https://rumble.com/v4wrnu5-whos-on-first.html  and at https://youtu.be/vF44fGCtDqw Other Insurance Clauses Control who Defends Whom The Travelers Indemnity Company of America (“Travelers”) and Defendant Ohio Security Insurance Company (“Ohio Security”) … Continue reading

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No Post Conviction Help

Unrelated Witness Misconduct no Help to Convicted Shooter Post 4806 See the full video at https://rumble.com/v4wqg3k-no-post-conviction-help.html  and at https://youtu.be/G4BP79g5dHw Luis M. Soto (“Soto”) appealed pro se from the order dismissing his second petition for relief filed pursuant to the Post … Continue reading

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Public Policy is Vague and Uncertain

Courts Should Not Counter the Work of the Legislature by Use of “Public Policy” Post 4805 See the full video at https://rumble.com/v4wcs4w-public-policy-is-vague-and-uncertain.html   and at https://youtu.be/yXtkwGkdtDg Artemiz Freeman sought to collect uninsured/underinsured motorist benefits under her policy with appellant Progressive County … Continue reading

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Unique Insurance Fraud In Louisiana

Three Cases Dismissed Because of Suit Against an Insurer who Did Not Insure the Plaintiff See the full video at https://rumble.com/v4vta7i-unique-insurance-fraud-in-louisiana.html   and at https://youtu.be/sGjvCtM2ReE Post 4804 Texas Law Firm McClenny, Moseley & Associates (MMA) has had serious problems with the … Continue reading

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Officer Immune from Suit

Insurance for State of Delaware Waives Sovereign Immunity Post 4803 See the full video at https://rumble.com/v4vkjlo-officer-immune-from-suit.html  and at https://youtu.be/rosS0El3PQo On February 15, 2023, Kimberly Letke (“Plaintiff”) filed a pro se Complaint against Defendant Matthew Sprinkle (“Sprenkle”) for defamation and malicious … Continue reading

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Overcharge of Force Placed Insurance Defense to Foreclosure

Force Placed Insurance Charges Allow Special Defense to Foreclosure Post 4802 See the full video at https://rumble.com/v4vcpnq-overcharge-of-force-placed-insurance-defense-to-foreclosure.html  and at https://youtu.be/iTueweyOWIw In an action to foreclose a mortgage the trial court granted in part the plaintiff’s motion to strike the defendant’s … Continue reading

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Zalma’s Insurance Fraud Letter – May 15, 2024

ZIFL-05-15-2024 Subscribe to ZIFL Here  Post 4801 Read the full 23 page issue here in Adobe pdf format. See the full video at  https://rumble.com/v4v566z-zalmas-insurance-fraud-letter-may-15-2024.html  and at https://youtu.be/r7TbELn-Si0 The Source for the Insurance Fraud Professional Zalma’s Insurance Fraud Letter (ZIFL) continues … Continue reading

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Insureds Must Negotiate Terms of Coverage Before Inception

Litigation is an Improper Method to Negotiate Insurance Coverage Post 4800 See the full video at https://rumble.com/v4v27yl-insureds-must-negotiate-terms-of-coverage-before-inception.html and at https://youtu.be/Po_aTiq3uZk Plaintiffs’ attempted to secure insurance coverage for an action currently pending in federal court (the “Underlying Litigation”). Plaintiffs looked to … Continue reading

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Lender Must Elect To Take Insurance Proceeds 

If Lender Approves Use of Insurance Funds to Repair It Cannot Claim it was Damaged Post 4799 See the Full Video at https://rumble.com/v4ucu3o-lender-must-elect-to-take-insurance-proceeds.html  and at https://youtu.be/hajSOS3GVK8 CG Tides LLC, et al. (the “Borrowers”) appealed a final summary judgment of foreclosure. … Continue reading

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Blank Space on Contingency Fee Agreement Makes it Unenforceable

No Meeting of Minds No Contract See the full video at https://rumble.com/v4u5jm2-blank-space-on-contingency-fee-agreement-makes-it-unenforceable.html and at https://youtu.be/b_Tje0MVSgs Post 4798 Attorney Richard Schicker sued a former client, Brandi Cady, seeking payment for attorney fees under a contingency fee agreement. The district court dismissed … Continue reading

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Insurer Spent Millions to Defend Fraudulent Claim

The Poet Enters the World of Insurance Fraud Post 4797 See the full video at https://rumble.com/v4ty3t9-insurer-spent-millions-to-defend-fraudulent-claim.html  and at https://youtu.be/iKowkzrNl8Q I present blogs and videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or … Continue reading

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Incompetent Insurance Fraud Claim Results in Conviction

Fraudster Pawns Jewelry & Then Claims it Stolen Post 4796 See the full video at https://rumble.com/v4tr408-incompetent-insurance-fraud-claim-results-in-conviction.html   and at https://youtu.be/paWS-ppzcLA The defendant, Vincent Chaney, appealed two orders from Superior Court denying his motions to suppress and for a new trial. In … Continue reading

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Settlement Unenforceable Because Insurer Lied to Plaintiff

Plaintiff Entitled to Know All Insurance Available to Defendants Post 4795 See the full video at https://rumble.com/v4tjwzw-settlement-unenforceable-because-insurer-lied-to-plaintiff.html  and at https://youtu.be/1zbO_ZShhUc Pedro Fundora filed suit against Robert Dangond and Maria Guevara after sustaining injuries when Dangond struck Fundora with a vehicle … Continue reading

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Building That Could Collapse is Not a Covered Collapse

Fairly Debatable Claim Defeats Charge of Bad Faith Post 4794 See the full video at  https://rumble.com/v4t1bj0-building-that-could-collapse-is-not-a-covered-collapse.html  and at https://youtu.be/G0INY7Yka_k On May 7, 2019, Saddletree Holding, LLC (Saddletree) filed an insurance claim for damages sustained to its building located in Upton, … Continue reading

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Help, My House Is Falling Into The Sea

Normally Honest People Will Try Insurance Fraud I present blogs and 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 … Continue reading

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Lies on Insurance Application Expensive

False Statement on Application Requires Rescission Post 4792 See the full video at https://rumble.com/v4so850-lies-on-insurance-application-expensive.html  and at https://youtu.be/gkVUNGWdGig Plaintiff Kimberli Orr obtained no-fault automobile insurance from defendant USA Underwriters and was involved in an automobile collision. Defendant denied plaintiff’s claim for … Continue reading

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Zalma’s Insurance Fraud Letter – May 1, 2024

ZIFL Volume 28, Issue 9 Happy Law Day Subscribe to ZIFL Here  Post 4791 See the full video at https://rumble.com/v4sh6jf-zalmas-insurance-fraud-letter-may-1-2024.html and at https://youtu.be/fa4vlHi7FjE The Source for the Insurance Fraud Professional Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of … Continue reading

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Criminal’s Money Stays With State

Assets Forfeited to State are not Subject to Attachment Post 4790 See the full video at  https://youtu.be/lRkLuhZqa8M  and at https://rumble.com/v4s9np9-criminals-money-stays-with-state.html In B.D. v. Sussex County Prosecutor’s Office, No. A-1781-22, Superior Court of New Jersey, Appellate Division (April 19, 2024) the … Continue reading

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Telling the Truth Can’t Be Defamatory

After Health Provider Entity’s Management is Arrested for Fraud Reporting Suspicion to Beneficiaries is not Defamation Post 4789 See the full video at  https://rumble.com/v4rreyk-telling-the-truth-cant-be-defamatory.html and at https://youtu.be/LvvId3sEt_w It is Chutzpah to Charge Defamation About a True Statement BrainBuilders, LLC appealed … Continue reading

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It is Nuts to Assume You are Covered

Driver Must Request UIM Coverage Post 4748 See the full video at https://rumble.com/v4rk386-it-is-nuts-to-assume-you-are-covered.html and at https://youtu.be/NLNDduuiaxI Kimberly Rogers appealed from a judgment of the Fayette Circuit Court granting Lyft, Inc.’s motion for summary judgment, Allstate Insurance Company’s motion for summary … Continue reading

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Choking a Friend to Death Not a Covered Loss

Coverage Limited to Conduct of Business of Insured Post 4787 See the full video at https://rumble.com/v4rb9tb-choking-a-friend-to-death-not-a-covered-loss.html  and at https://youtu.be/ywvsC-SIgrk Jodi Greenlaw,  as personal representative of the estate of her late husband Philip J. Greenlaw (collectively, the Estate), appealed from a … Continue reading

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Agent Binds Principal

Rejection of UIM Cover by Agent Valid Post 4786 See the full video at https://rumble.com/v4r4aq5-agent-binds-principal.html  and at https://youtu.be/c5qaoVv0Pik Brandon Lawrence appealed the trial court’s order finding Progressive Northern Insurance Co. (Progressive) made a valid, meaningful offer of underinsured motorist (UIM) … Continue reading

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Assets Forfeited as Restitution for Murder for Profit

Insurance Companies are Victims When Wife Killed for Insurance Money See the full video at https://rumble.com/v4qwsv3-assets-forfeited-as-restitution-for-murder-for-profit.html and at https://youtu.be/0zcpwPVIJ6M Post 4785 Secondary Beneficiaries Have No Right to Insurance Proceeds Obtained by Father as a Result of Murder of Mother Julian … Continue reading

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Insurer Immune from Malicious Prosecution Suit

SIU Report to State Made in Good Faith Makes it Immune from Suit for Malicious Prosecution Post 4784 See the full video at https://rumble.com/v4qea4l-insurer-immune-from-malicious-prosecution-suit.html  and at https://youtu.be/_3Hc8MniqRE In The Hanover Insurance Group, Inc; and Michael Arline, Jr., v.  Luke Frazier, … Continue reading

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Criminal Tries to Get Out of Sentence

Fraudster Fails to Obtain Post Conviction Relief Post 4783 See full video at https://rumble.com/v4q6s6x-criminal-tries-to-get-out-of-sentence.html and at https://youtu.be/T8izcEXer9k Robert Sitler appealed from the order that dismissed his petition filed pursuant to the Post Conviction Relief Act (“PCRA”). A jury found him … Continue reading

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