Bad Faith Set Up Fails Read the full article at https://www.linkedin.com/pulse/bad-faith-set-up-fails-barry-zalma-esq-cfe-jllxc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. Inadequate Information Made Refusal to Pay Policy Limits Not Bad Faith INADEQUATE MEDICAL AUTHORIZATION USED TO CAUSE INSURER TO REFUSE SETTLEMENT DEMAND Post 4930 Kara Flick appealed from the judgment after a jury rejected her claims for breach of contract and breach of the implied covenant of good faith and fair dealing. Flick contends the judgment should be reversed due to juror misconduct. In KARA FLICK v. UNITED SERVICES AUTOMOBILE ASSOCIATION, B330507, California Court of Appeals, Second District, Sixth Division (November 5, 2024) the Court of Appeals resolved the dispute. FACTUAL HISTORY After sustaining injuries in an automobile accident caused by Francisco Reyes, Jr., Flick had her attorney send Reyes's insurer, the United Services Automobile Association (USAA), a letter explaining the severity of her injuries and an authorization for the release of her medical records. Flick's attorney followed up with a settlement demand two months later, requesting that USAA pay Flick the entirety of Reyes's $100,000 policy limit in exchange for a release of liability. Attached to the demand was a single medical record from Flick's neurologist. USAA investigated Flick's claim and determined it did not have sufficient information to accept or reject her demand. Flick then filed a personal injury lawsuit against Reyes. The jury found in her favor and awarded nearly $1.7 million in damages. Flick, with an assignment from the Reyes, sued USAA for breach of contract and breach of the implied covenant of good faith and fair dealing. TRIAL At trial, a USAA claims adjustor admitted that Reyes was fully at fault for the accident with Flick. Reyes could therefore be exposed to liability in excess of his policy limits-if Flick provided sufficient documentation to support her claim. USAA's expert on insurance claims handling and another of its claims service managers both agreed with the supervisor that Flick's authorization was invalid and inadequate to allow USAA to obtain Flick's medical records. USAA needed additional records before it could determine the value of Flick's claim. Those records could have included the medical bills Flick provided to her own insurance company, the multiple doctor's notes she had excusing her from work, or the thumb drive recording her purported speech problems, all of which were entered into evidence at her personal injury trial. Because they were not provided to USAA, it was "very difficult to place a value on" Flick's claim. Flick's expert testified that USAA's handling of the settlement demand "was clearly unreasonable." Flick also did not respond to USAA's requests for additional information. By a vote of nine to three, the jury found that Flick did not make a reasonable settlement demand of USAA and rejected her claims for breach of contract and breach of the implied covenant of good faith and fair dealing. The trial court polled the jury, and each juror confirmed their vote. DISCUSSION The Court of Appeals concluded the trial court did not abuse its discretion in denying Flick's new trial motion. USAA successfully rebutted the presumption of prejudice by showing there is no reasonable probability that the juror, D.C.'s misconduct by not explaining he did not hear all of the adjuster's testimony, actually harmed Flick. Much of the adjustor's testimony consisted of facts regarding his communications with Flick's attorney - facts that were undisputed. What was disputed-whether Flick's settlement demand was reasonable-was the subject of other witness testimony, including USAA's expert on insurance claims handling, its supervising claims service manager, Flick's personal injury attorney, and her expert witness on insurance claims handling. What the admitted evidence showed was that D.C. confirmed multiple times that he voted that Flick did not make a reasonable settlement demand: Based on this record there was no reasonable probability that D.C.'s alleged juror misconduct actually harmed Flick. ZALMA OPINION The tort of bad faith arose from abuse by insurers on those they insured. Since its adoption in California about three quarters of a century ago, the abuse has been turned on to insurers. Ms. Flick's counsel placed a demand for settlement on USAA that it could not reasonably and in good faith to its insured, Reyes, because it was incomplete and inadequately supported and forced Flick and Reyes go through a trial where she received an uncollectible judgment against Reyes in hopes of a gigantic bad faith judgment. After much litigation and USAA spending a great deal to defend itself she received the $100,000 policy limit. USAA was punished but neither Flick nor her lawyers profited from the scheme or the appeal. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to X @bzalma; Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to the Insurance Claims Library – https://lnkd.in/gwEYk

This Man Helped Kamala Harris. Then He Mysteriously Died. | Candace Ep 92 https://youtu.be/2KNKS5_Z924 Yoichi Shimatsu joins me to discuss his research into the background of Kamala's mother and the mysterious death of his friend and former San Francisco Public Defender Jeff Adachi.

San Francisco is a WARNING for the world https://www.bitchute.com/video/78m5a71mMJQ?fbclid=IwY2xjawF6N39leHRuA2FlbQIxMAABHRbpwLE2DInNRvB8LOkx7yKnt2xCWAJ7JGSpT0cSkdOk9n-HZJob8MXQIA_aem_YmlI2-GaRZVKItekLIApCA http://AviAcrossAmerica.com | Ezra Levant & @OzraeliAvi hit San Fran's rough streets in the first stop of my tour across the US to find out what locals really think ahead of next month's election ⤴SHARE THE FULL STORY: https://rebelne.ws/484i97q 🚨DON'T MISS A THING: http://FollowAvi.com 📖 GET AVI'S NEW BOOK: http://RebelFromTheStart.com

WATCH: The streets of San Francisco are even WORSE than I had imagined! We talked to San Francisco locals about the city's worsening drug epidemic, chaotic crime and homelessness crisis ahead of the 2024 U.S. election. https://www.rebelnews.com/the_streets_of_san_francisco_are_even_worse_than_i_had_imagined

The History of Kamala Harris by Geoffrey B. Higginbotham Major General, USMC (Ret.) For your knowledge and interest about the Biden Vice President, Kamala Harris:  Here is a timely editorial that exposes the hidden background of Kamala Harris from the Combat Veterans for Congress Political Action Committee that is posted here with permission of the author. CVFC PAC supports the election of US military combat veterans to the US Senate and House of Representatives. The editorial begins:  Kamala Harris' father was an avowed Marxist professor in the Economics Department at Stanford University in Palo Alto, CA. Both of Harris' parents were active in the Berkeley based African-American Association; Fidel Castro and Che Guevara were the heroes of the African-American Association. The group's leader, Donald Warden (aka Khalid al-Mansour), mentored two young American Association members, Huey Newton and Bobby Seale; they created the Maoist inspired Black Panther Party which gained strong support from Communist China; the Black Panther Party served as the model for creation of the Black Lives Matter Marxist organization Khalid al-Mansour subsequently went on to arrange financing and facilitated for Barack Hussein Obama to be accepted as a student to matriculate at Harvard Law School. Following her graduation from college, Harris returned to California and subsequently became the mistress of the 60-year-old married Speaker of the California Assembly, Willie Brown, Jr. Brown's political campaigns were supported and funded by Dr. Carlton Goodlett, the owner of The Sun Reporter and several other pro-Communist newspapers. Brown was elected as Mayor of San Francisco, and strongly endorsed Harris' Marxist political philosophy; he guided Harris' political rise in California politics, leading to her election as California's Attorney General. Willie Brown, Jr. was a well-known long-time Communist sympathizer. Willie Brown, Jr. was initially elected to public office with the substantial help of the Communist Party USA. Today, Willie Brown is widely regarded as one of the Chinese Communist Party's best friends in the San Francisco Bay Area. While serving as San Francisco District Attorney, Kamala Harris mentored a young San Francisco Radical Maoist activist, Lateefah Simon, who was a member of the STORM Revolutionary Movement; Simon currently chairs the Bay Area Rapid Transit (BART) Board. Simon has always been close friends with the founder of Black Lives Matter Marxist Domestic Terrorists, Alicia Garza, as well as STORM member and avowed Communist, Van Jones. Harris has been openly and aggressively supporting Black Lives Matter Marxists; Kamala Harris is still closely associated with Maoist Lateefah Simon and Marxist Alicia Garza.   Kamala Harris's sister Maya Harris was a student activist at Stanford University. She was a closely associated with Steve Phillips, one of the leading Marxist-Leninists on campus and a long-time affiliate with the League of Revolutionary Struggle, a pro-Chinese Communist group. Phillips came out of the Left, and in college he studied Marx, Mao, and Lenin, and maintained close associations with fellow Communists. Phillips married into the multibillion-dollar Sandler family of the Golden West Savings and Loan fortune. He funded many leftist political campaigns, and voter registration drives in the Southern and South Western states in order to help his friend, Barack Hussein Obama, defeat Hillary Clinton. Phillips has been a major financial sponsor for Kamala Harris's political campaigns for various California elective offices plus Cory Booker, Andrew Gillum, Stacey Abrams to name a few. Harris' husband, Doug Emhoff works for the law firm DLA Piper, which "boasts nearly 30 years of experience in Communist China with over 140 lawyers dedicated to its 'Communist China investment Services' branch. He was just appointed Professor at Yale to school future lawyers in the fine points of Communism. When she was elected to the US Senate, Kamala Harris appointed a Pro-Communist Senate Chief of Staff, Karine Jean-Pierre. Jean-Pierre was active with the New York-based Haiti Support Network. The organization worked closely with the pro-Communist China/Communist North Korea Workers World Party and supported Jean-Bertrand Aristide, the far-left Communist former president of Haiti and the radical Lavalas movement.  Fortunately for Harris, but potentially disastrous for the Republic, elected office holders are not subject to the security clearance process. If the FBI did a Background Investigation on Kamala Harris, she never would have passed, because of her 40-year close ties with Marxists, Communists, Maoists, and Communist China. Harris would never have been approved for acceptance to any of the 5 Military Service Academies, been appointed to a US Government Sub-Cabinet position, or would have been approved to fill a sensitive position for a high security defense contractor. Yet, since Joe Biden was elected, Harris could be a heartbeat away from being President.  The US constitutional Republic is being threatened by the People's Republic of Communist China (PPC) externally, and by their very active espionage operations within the United States. The People's Republic of Communist China (PPC), with 1.4 billion people, is governed by the 90 million member Chinese Communist Party (CCP), that has been working with Russia to destroy the US Constitutional Republic for over 70 years.  If the American voters read the background information (in Trevor Loudon's article) on Kamala Harris, they would never support her election as Vice President of the United States. Joe Biden is suffering from the early onset of dementia and will continue to decline in cerebral awareness; he will never be able to fill out a four-year term of office. Since Biden was elected, the Socialists, Marxists, and Communist who control Kamala Harris, are planning to enact provisions of the 25th Amendment, in order to remove Joe Biden from office, so Harris can become the first Communist President of the United States.  Since Biden was elected, because Biden would not be up to it, Kamala Harris would lead the effort to appoint very dangerous anti-American Leftist, Communist, Socialists, and Marxists to fill highly sensitive positions in the Washington Deep State Bureaucracy. She would fill all appointive positions in the US Intelligence Agencies, in the Department of Homeland Security, in the Department of Defense, in The Justice Department, the Department of State, the FBI, the CIA, most cabinet positions, the National Security Council, and in the White House Staff. American voters must alert their fellow Americans that Kamala Harris is a very serious National Security threat to the very survival of the US Constitutional Republic; she has been a fellow traveler of Marxists, Communists, Maoists, Socialists, Progressives, and Chinese Communists for over 35 years. President Trump had much more background information on Kamala Harris than we presented here, and he was correct, when he accused Kamala Harris of being a Communist subverter.   Geoffrey B. Higginbotham Major General, USMC (Ret.)

OUR DAILY OLDIES: BACK TO THE 60s WITH SCOTT McKENZIE 'SAN FRANCISCO' AND THE BONUS TRACK WITH THE SPANISH VERSION BY LOS MUSTANG. ENJOY IT!

Wow! New footage from 1995 ABC shows Kamala Harris at around age 30 partying with then Mayor of San Francisco Willie Brown. Someone asks her if she's his daughter. She looks annoyed and quickly replies "no." Brown was 60 and Kamala was 29 when the pair first started dating.

GOOD MORNING FRIENDS AND FOLLOWERS: TODAY'S SHORT VIDEO IS ABOUT THE COMMUNIST ROOTS OF KAMALA HARRIS. SHE WAS BORN IN THE 1960s IN THE SAN FRANCISCO BAY AREA. HER FATHER WAS A MARXIST (COMMUNIST) PROFESSOR OF ECONOMICS. SAN FRANCISCO WAS HOME TO A LARGE COMMUNITY OF "HIPPIES" (LOVE AND PEACE) BUT ALSO HOME TO A RADICAL LEFT MOVEMENT OF ACTIVISTS USING THE VIET NAM WAR AS EXCUSE FOR THE FIGHT FOR COMMUNISM IN THE UNITED STATES. SAN FRANCISCO WAS ALSO THE BIRTHPLACE OF THE 'BLACK PANTHERS', A RADICAL COMMUNIST BLACK MILITIA, PRECURSOR TO TODAY'S 'BLACK LIVES MATTER' MOVEMENT, ALSO FOUNDED BY A COMMUNIST. SAN FRANCISCO HAD ALSO A LARGE CHINESE POPULATION UNDER THE INFLUENCE OF THE CHINESE COMMUNIST PARTY. IT WAS THE TIMES OF MAO'S CULTURAL REVOLUTION IN CHINA. AS KAMALA GREW UP AS A LAW STUDENT, SHE ASCENDED IN CALIFORNIA'S POLITICAL WORLD BY HAVING AN EXTRAMARITAL AFFAIR WITH A MARRIED BLACK MAN, DOUBLE HER AGE, WHO BECAME THE MAYOR OF SAN FRANCISCO AND A VERY INFLUENTIAL PERSON IN CALIFORNIA POLITICS WITH CONNECTIONS AND SUPPORT FROM THE COMMUNIST PARTY U.S.A. THAT WAS, IN BIG STROKES, THE CLOSE WORLD AROUND KAMALA THAT MADE HER WHAT SHE IS TODAY: STILL A RADICAL COMMUNIST.

Kamala Harris said On Day One she's going to fix everything! But somebody needs to tell her she's on Day 1295! She won't fix anything and can't cuz she hasn't a clue how to fix anything. And the other reason is she doesn't want to. Her Alegeance isn't for America it's for Globalism. Let's just do a deep dive into the next candidate for President of the United States. PLEASE DO YOUR RESEARCH!!! The History and Inconvenient Truth of Kamala Harris For your knowledge and interest about Kamala Harris. Here is a timely editorial that exposes the hidden background of Kamala Harris from the Combat Veterans for Congress Political Action Committee that is posted here with permission of the author. CVFC PAC supports the election of US military combat veterans to the US Senate and House of Representatives. The editorial begins: Kamala Harris' father was an avowed Marxist professor in the Economics Department at Stanford University in Palo Alto, CA. Both of Harris' parents were active in the Berkeley based Afro-American Association; Fidel Castro and Che Guevara were the heroes of the Afro-American Association. The group's leader, Donald Warden (aka Khalid al-Mansour), mentored two young Afro-American Association members, Huey Newton and Bobby Seale; they created the Maoist inspired Black Panther Party which gained strong support from Communist China; the Black Panther Party served as the model for creation of the Black Lives Matter Marxist organization Khalid al-Mansour subsequently went on to arrange financing and facilitated for Barack Hussein Obama to be accepted as a student to matriculate at Harvard Law School. Following her graduation from college, Harris returned to California and subsequently became the mistress of the 60-year-old married Speaker of the California Assembly, Willie Brown, Jr. Brown's political campaigns were supported and funded by Dr. Carlton Goodlett, the owner of The Sun Reporter and several other pro-Communist newspapers. Brown was elected as Mayor of San Francisco, and strongly endorsed Harris' Marxist political philosophy; he guided Harris' political rise in California politics, leading to her election as California's Attorney General. Willie Brown, Jr. was a well-known long-time Communist sympathizer. Willie Brown, Jr. was initially elected to public office with the substantial help of the Communist Party USA. Today, Willie Brown is widely regarded as one of the Chinese Communist Party's best friends in the San Francisco Bay Area. While serving as San Francisco District Attorney, Kamala Harris mentored a young San Francisco Radical Maoist activist, Lateefah Simon, who was a member of the STORM Revolutionary Movement; Simon currently chairs the Bay Area Rapid Transit (BART) Board. Simon has always been close friends with the founder of Black Lives Matter Marxist Domestic Terrorists, Alicia Garza, as well as STORM member and avowed Communist, Van Jones. Harris has been openly and aggressively supporting Black Lives Matter Marxists; Kamala Harris is still closely associated with Maoist Lateefah Simon and Marxist Alicia Garza. Kamala Harris's sister Maya Harris was a student activist at Stanford University. She was a closely associated with Steve Phillips, one of the leading Marxist-Leninists on campus and a long-time affiliate with the League of Revolutionary Struggle, a pro-Chinese Communist group. Phillips came out of the Left, and in college he studied Marx, Mao, and Lenin, and maintained close associations with fellow Communists. Phillips married into the multibillion-dollar Sandler family of the Golden West Savings and Loan fortune. He funded many leftist political campaigns, and voter registration drives in the Southern and South Western states in order to help his friend, Barack Hussein Obama, defeat Hillary Clinton. Phillips has been a major financial sponsor for Kamala Harris's political campaigns for various California elective offices plus Cory Booker, Andrew Gillum, Stacey Abrams to name a few. Harris' husband, Doug Emhoff works for the law firm DLA Piper, which "boasts nearly 30 years of experience in Communist China with over 140 lawyers dedicated to its 'Communist China investment Services' branch. He was just appointed Professor at Yale to school future lawyers in the fine points of Communism. When she was elected to the US Senate, Kamala Harris appointed a Pro-Communist Senate Chief of Staff, Karine Jean-Pierre. Jean-Pierre was active with the New York-based Haiti Support Network. The organization worked closely with the pro-Communist China/Communist North Korea Workers World Party and supported Jean-Bertrand Aristide, the far-left Communist former president of Haiti and the radical Lavalas movement. Fortunately for Harris, but potentially disastrous for the Republic, elected office holders are not subject to the security clearance process. If the FBI did a Background Investigation on Kamala Harris, she never would have passed, because of her 40-year close ties with Marxists, Communists, Maoists, and Communist China. Harris would never have been approved for acceptance to any of the 5 Military Service Academies, been appointed to a US Government Sub-Cabinet position, or would have been approved to fill a sensitive position for a high security defense contractor. Yet, since Joe Biden was elected, Harris could be a heartbeat away from being President. The US constitutional Republic is being threatened by the People's Republic of Communist China (PPC) externally, and by their very active espionage operations within the United States. The People's Republic of Communist China (PPC), with 1.4 billion people, is governed by the 90 million member Chinese Communist Party (CCP), that has been working with Russia to destroy the US Constitutional Republic for over 70 years. If the American voters read the background information (in Trevor Loudon's article) on Kamala Harris, they would never support her election as Vice President of the United States. Joe Biden is suffering from the early onset of dementia and will continue to decline in cerebral awareness; he will never be able to fill out a four-year term of office. Since Biden was elected, the Socialists, Marxists, and Communist who control Kamala Harris, are planning to enact provisions of the 25th Amendment, in order to remove Joe Biden from office, so Harris can become the first Communist President of the United States. Since Biden was elected, because Biden would not be up to it, Kamala Harris would lead the effort to appoint very dangerous anti-American Leftist, Communist, Socialists, and Marxists to fill highly sensitive positions in the Washington Deep State Bureaucracy. She would fill all appointive positions in the US Intelligence Agencies, in the Department of Homeland Security, in the Department of Defense, in The Justice Department, the Department of State, the FBI, the CIA, most cabinet positions, the National Security Council, and in the White House Staff. American voters must alert their fellow Americans that Kamala Harris is a very serious National Security threat to the very survival of the US Constitutional Republic; she has been a fellow traveler of Marxists, Communists, Maoists, Socialists, Progressives, and Chinese Communists for over 35 years. President Trump had much more background information on Kamala Harris than we presented here, and he was correct, when he accused Kamala Harris of being a Communist subverter. Geoffrey B. Higginbotham Major General, USMC Open link and follow the Evidence and there is more evidence out there if you truly want to seek Truth. But this all has been vetted and verified as facts and truth. Wake Up America. 🇺🇸 Vote #TrumpVance24 🇺🇸 https://www.conservativehq.com/post/the-communist-history-of-kamala-harris

SAD: The Last Remaining Denny’s in San Francisco Forced to Close Because of Dine and Dashers https://www.thegatewaypundit.com/2024/08/sad-last-remaining-dennys-san-francisco-forced-close/