• Declaring a Policy Void
    When a Policy Is Void
    For Subscribers to Excellence in Claims Handling
    You can Subscribe for only $5 a month to Excellence in Claims Handling at
    https://barryzalma.substack.com/subscribe
    A small portion of what was provided to subscribers.
    In almost every policy of insurance, there is a clause declaring the policy void if the insured misrepresents or conceals material facts or commits fraud. For example:
    We do not pay for bodily injury or property damage which is expected by, directed by, or intended by an insured. This exclusion does not apply to bodily injury that arises out of the use of reasonable force to protect people or property. (AAIS Form BP-200, (c) 1987 AAIS).
    or:
    This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other “insured,” at any time, intentionally conceal or misrepresent a material fact concerning: a. This Coverage Form; b. The covered “auto”; c. Your interest in the covered “auto”; or d. A claim under this Coverage Form. (Insurance Services Office form CA 00 01 01 87).
    The policy wording requires that the insurer prove, not only that the insured misrepresented or concealed a material fact but must also prove that the insured did so with the intent to deceive.
    Absent the rare confession it is often difficult to prove intentional deceit. The insured will usually claim that he or she was mistaken and had no intent to deceive. In more than 50 years of investigation of fraudulent insurance claims I only once received from an insured an under oath statement that the insured intentionally deceived the insurer and then, not in person, but by correcting false testimony in the transcript of an examination under oath.
    If fraud or mutual mistake is an issue, insurers and insureds doing business in Oklahoma must resort to courts of general jurisdiction for a determination of contractual rights.[1] In Oklahoma, the Workers’ Compensation court does not have the right to rescind or declare a policy of Workers’ Compensation insurance void. However, where there is a misrepresentation with intent to deceive and the putative insured recognized the materiality of the misrepresentation the insurance policy is void from its inception.[2]
    In Florida, Florida Statutes (2006), state in pertinent part:
    any insurance fraud shall void all coverage arising from the claim related to such fraud under the personal injury protection coverage of the insured person who committed the fraud.
    In harmony with this statutory provision, the fraud provision in an insurance policy set forth: “any insurance fraud shall void all personal injury protection coverage arising from the claim with respect to the insured who committed the fraud” is appropriate and enforceable. [Bosem v. Commerce & Indus. Ins. Co., 35 So.3d 944 (Fla. App., 2010)]

    Declaring a Policy Void When a Policy Is Void For Subscribers to Excellence in Claims Handling You can Subscribe for only $5 a month to Excellence in Claims Handling at https://barryzalma.substack.com/subscribe A small portion of what was provided to subscribers. In almost every policy of insurance, there is a clause declaring the policy void if the insured misrepresents or conceals material facts or commits fraud. For example: We do not pay for bodily injury or property damage which is expected by, directed by, or intended by an insured. This exclusion does not apply to bodily injury that arises out of the use of reasonable force to protect people or property. (AAIS Form BP-200, (c) 1987 AAIS). or: This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other “insured,” at any time, intentionally conceal or misrepresent a material fact concerning: a. This Coverage Form; b. The covered “auto”; c. Your interest in the covered “auto”; or d. A claim under this Coverage Form. (Insurance Services Office form CA 00 01 01 87). The policy wording requires that the insurer prove, not only that the insured misrepresented or concealed a material fact but must also prove that the insured did so with the intent to deceive. Absent the rare confession it is often difficult to prove intentional deceit. The insured will usually claim that he or she was mistaken and had no intent to deceive. In more than 50 years of investigation of fraudulent insurance claims I only once received from an insured an under oath statement that the insured intentionally deceived the insurer and then, not in person, but by correcting false testimony in the transcript of an examination under oath. If fraud or mutual mistake is an issue, insurers and insureds doing business in Oklahoma must resort to courts of general jurisdiction for a determination of contractual rights.[1] In Oklahoma, the Workers’ Compensation court does not have the right to rescind or declare a policy of Workers’ Compensation insurance void. However, where there is a misrepresentation with intent to deceive and the putative insured recognized the materiality of the misrepresentation the insurance policy is void from its inception.[2] In Florida, Florida Statutes (2006), state in pertinent part: any insurance fraud shall void all coverage arising from the claim related to such fraud under the personal injury protection coverage of the insured person who committed the fraud. In harmony with this statutory provision, the fraud provision in an insurance policy set forth: “any insurance fraud shall void all personal injury protection coverage arising from the claim with respect to the insured who committed the fraud” is appropriate and enforceable. [Bosem v. Commerce & Indus. Ins. Co., 35 So.3d 944 (Fla. App., 2010)]
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    A series of writings and/or videos to help understand insurance, insurance claims, and becoming an insurance claims professional and who need to provide or receive competent and Excellence in Claims Handling. Click to read Excellence in Claims Handling, by Barry Zalma, a Substack publication with thousands of subscribers.
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  • COP FOLLOWS MAN HOME AFTER TRAFFIC STOP, THEN TASES HIM REPEATEDLY | 14 OTHER VICTIMS | FIRED!

    Typical PSYCHOPATH LEO in America!
    HOW LONG will we tolerate this scum who supposedly "works for us"

    The story is "#Police Protect and Defend the Public"
    The #Truth is that Police "Protect and Defend the #Criminals in Washington"

    And they ABUSE THE PUBLIC every day of their career!
    An #Oath violation occurs EVERY DAY in the life of cops!

    Most cops take the OATH to "Protect and Defend the #Constitution" as soon as they graduate the Academy..... THEN they get hired on somewhere, and immediately have to TAKE ANOTHER OATH which is diametrically opposed to the first oath!

    Police CANNOT "uphold the unconstitutional laws of their state" AND "Protect and Defend the Constitution"!!!

    You cannot serve two masters!
    Just like the bible says!

    Police SERVE THE STATE (who writes their paycheck)
    And they wipe their nasty asses with the constitution AND the rights of Americans!

    These scumbags are economically terrorizing every American!
    But they prefer the POOR AMERICANS who cannot afford to fight them in court!

    What Police do on a daily basis is USELESS ABUSE of Americans!
    They do not solve crimes, or try to catch "bad guys"

    They try to WRITE TICKETS and file felony charges
    on people who have HARMED NOBODY! (There is no legitimate #Crime)

    A "CRIME" requires a VICTIM!
    What Police charge these Americans under is NOT the "Law of the LAND"
    They file these charges under "Maritime Admiralty Law"
    where they can make sh*t up as they go along!

    NO AMERICAN belongs within the #Jurisdiction of
    "Maritime Admiralty Law"

    We ALL belong under COMMON LAW!

    Police are part of a criminal CORPORATION that harvests Americans for their money
    PERIOD!

    https://old.bitchute.com/video/FlIP1BuRR48/?list=subscriptions
    COP FOLLOWS MAN HOME AFTER TRAFFIC STOP, THEN TASES HIM REPEATEDLY | 14 OTHER VICTIMS | FIRED! Typical PSYCHOPATH LEO in America! HOW LONG will we tolerate this scum who supposedly "works for us" The story is "#Police Protect and Defend the Public" The #Truth is that Police "Protect and Defend the #Criminals in Washington" And they ABUSE THE PUBLIC every day of their career! An #Oath violation occurs EVERY DAY in the life of cops! Most cops take the OATH to "Protect and Defend the #Constitution" as soon as they graduate the Academy..... THEN they get hired on somewhere, and immediately have to TAKE ANOTHER OATH which is diametrically opposed to the first oath! Police CANNOT "uphold the unconstitutional laws of their state" AND "Protect and Defend the Constitution"!!! You cannot serve two masters! Just like the bible says! Police SERVE THE STATE (who writes their paycheck) And they wipe their nasty asses with the constitution AND the rights of Americans! These scumbags are economically terrorizing every American! But they prefer the POOR AMERICANS who cannot afford to fight them in court! What Police do on a daily basis is USELESS ABUSE of Americans! They do not solve crimes, or try to catch "bad guys" They try to WRITE TICKETS and file felony charges on people who have HARMED NOBODY! (There is no legitimate #Crime) A "CRIME" requires a VICTIM! What Police charge these Americans under is NOT the "Law of the LAND" They file these charges under "Maritime Admiralty Law" where they can make sh*t up as they go along! NO AMERICAN belongs within the #Jurisdiction of "Maritime Admiralty Law" We ALL belong under COMMON LAW! Police are part of a criminal CORPORATION that harvests Americans for their money PERIOD! https://old.bitchute.com/video/FlIP1BuRR48/?list=subscriptions
    OLD.BITCHUTE.COM
    Cop Follows Man Home After Traffic Stop, then Tases Him Repeatedly | 14 Other Victims | FIRED!
    Video to submit? https://forms.gle/HmwnDQKvwvYPxe967 Blog: https://thecivilrightslawyer.com/ Donate to the Institute for Justice: https://ij.org/support/give-now/thecivilrightslawyer/ Freedom is Scary STEAK RUB! https://quiggysbbq.square.site/produc…
    0 Σχόλια 0 Μοιράστηκε 296 Views
  • EVERY MEMBER OF GOVERNMENT IS IN VIOLATION OF ANY OATH THEY'VE SWORN
    Most have not even sworn one!
    EVERY MEMBER OF GOVERNMENT IS IN VIOLATION OF ANY OATH THEY'VE SWORN Most have not even sworn one!
    0 Σχόλια 0 Μοιράστηκε 52 Views
  • State #Oaths CONFLICT with the Constitutional OATH!
    State #Oaths CONFLICT with the Constitutional OATH!
    0 Σχόλια 0 Μοιράστηκε 110 Views
  • OATH BETRAYED: WHEN IS ENOUGH ENOUGH? [2024-11-04] - MICHAEL BOLDIN (VIDEO)

    It's a f*cking JOKE to believe that ANYONE within "government" gives a rat's ass about the #Oath they likely DID NOT EVEN TAKE!

    https://old.bitchute.com/video/zeYrxtGMEvD5/
    OATH BETRAYED: WHEN IS ENOUGH ENOUGH? [2024-11-04] - MICHAEL BOLDIN (VIDEO) It's a f*cking JOKE to believe that ANYONE within "government" gives a rat's ass about the #Oath they likely DID NOT EVEN TAKE! https://old.bitchute.com/video/zeYrxtGMEvD5/
    OLD.BITCHUTE.COM
    OATH BETRAYED: WHEN IS ENOUGH ENOUGH? [2024-11-04] - MICHAEL BOLDIN (VIDEO)
    Oath to the Constitution: Ignored and Betrayed Daily at the Cost of Liberty. "If their duty, their honor, and their oaths will not bind them, let us not put into their hands our liberty, and all our other great interests." Those are the words of Gou…
    0 Σχόλια 0 Μοιράστηκε 98 Views
  • THANK GOD THEY FINALLY ARRESTED HONOR YOUR OATH JEFF GRAY!!

    People think they can just hold signs that say "God Bless the Homeless Vets" and not go to jail??? They had better THINK AGAIN!

    https://old.bitchute.com/video/Snm9_r3yv94/
    THANK GOD THEY FINALLY ARRESTED HONOR YOUR OATH JEFF GRAY!! People think they can just hold signs that say "God Bless the Homeless Vets" and not go to jail??? They had better THINK AGAIN! https://old.bitchute.com/video/Snm9_r3yv94/
    OLD.BITCHUTE.COM
    THANK GOD They Finally Arrested Honor Your Oath Jeff Gray!!
    Jeff Gray: https://www.youtube.com/watch?v=bBu4M1YyCMo&t=135s 🔴 Grab a SHIRT: http://bit.ly/HighImpactFlix-Merch Become a Channel member: https://www.youtube.com/channel/UCTSYXSwbauRs79G1skOCzIw/join Support the channel: ⭐ Patreon: https://w…
    0 Σχόλια 0 Μοιράστηκε 104 Views
  • https://x.com/KanekoaTheGreat/status/1852122693250035878?t=w2E1RthR-0Xs5BSmvskXnw&s=19
    https://x.com/KanekoaTheGreat/status/1852122693250035878?t=w2E1RthR-0Xs5BSmvskXnw&s=19
    0 Σχόλια 0 Μοιράστηκε 90 Views
  • URGENT! SHERIFF'S RISING UP AGAINST DHS, FEMA & MORE.

    I have always encouraged folks to elect a #CSPOA #Sheriff!

    Sheriffs are the only people who CAN lawfully save our country under the current "Maritime Admiralty Law" #Slave system...

    But I would NOT hold my breathe!
    Most of these Sheriffs are #Criminals who violate their #Oath of office and abuse their bosses, the American Public.

    I'm sure that just about all of them are in someone's pocket...
    Or else they are just criminal psychopaths

    There was a time that I actually had faith in the Elected Sheriffs,
    But I've just seen too much now, they have shown themselves not to be "friend," but foe of the American People

    I would absolutely LOVE to see these sheriffs come out and
    PROVE ME WRONG.... I just have no confidence in that happening

    https://old.bitchute.com/video/9ys1hZxdMgt6/
    🚨URGENT! SHERIFF'S RISING UP AGAINST DHS, FEMA & MORE. I have always encouraged folks to elect a #CSPOA #Sheriff! Sheriffs are the only people who CAN lawfully save our country under the current "Maritime Admiralty Law" #Slave system... But I would NOT hold my breathe! Most of these Sheriffs are #Criminals who violate their #Oath of office and abuse their bosses, the American Public. I'm sure that just about all of them are in someone's pocket... Or else they are just criminal psychopaths There was a time that I actually had faith in the Elected Sheriffs, But I've just seen too much now, they have shown themselves not to be "friend," but foe of the American People I would absolutely LOVE to see these sheriffs come out and PROVE ME WRONG.... I just have no confidence in that happening https://old.bitchute.com/video/9ys1hZxdMgt6/
    OLD.BITCHUTE.COM
    🚨Urgent! Sheriff's Rising Up Against DHS, Fema & More.
    JWTv https://www.youtube.com/@Jworkoutstv sheriff's had enough of the criminal takeover over America constitutional sheriff association has a urgent release to the public more videos you should watch below Buy Jwtv ebook: Backup Emergency Natural…
    Like
    1
    0 Σχόλια 0 Μοιράστηκε 419 Views
  • The Jesuit Oath

    https://obscurereport.org/wp-content/uploads/2020/07/The-Jesuit-Oath.pdf
    The Jesuit Oath https://obscurereport.org/wp-content/uploads/2020/07/The-Jesuit-Oath.pdf
    0 Σχόλια 0 Μοιράστηκε 205 Views
  • SHERIFF TRIPP KESTER OF DAVIDSON COUNTY NC CALLS FOR LOCAL CITIZENS TO FORM MILITIAS PROTECT RIGHTS.

    This should have happened 5 years ago!
    You'd be the ONLY SHERIFF who upheld his #Oath
    (If you follow through)

    https://old.bitchute.com/video/M4pRtyYtjySm/
    SHERIFF TRIPP KESTER OF DAVIDSON COUNTY NC CALLS FOR LOCAL CITIZENS TO FORM MILITIAS PROTECT RIGHTS. This should have happened 5 years ago! You'd be the ONLY SHERIFF who upheld his #Oath (If you follow through) https://old.bitchute.com/video/M4pRtyYtjySm/
    0 Σχόλια 0 Μοιράστηκε 398 Views
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