To Prove Fraud a Preponderance of the evidence is Required An article 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.The Supreme Court, reviewing the law in other states found: “Although a few jurisdictions require that exclusions from coverage be proved by clear and convincing evidence, the burden of proving insurance policy exclusionary provisions is usually a preponderance of the evidence. Lee R. Russ & Thomas F. Segalla, 17 Couch on Insurance 254:14 (3d ed. 2003) [hereinafter Couch]; compare Rego v. Conn. Ins. Placement Facility, 593 A.2d 491, 494-95 (Conn. 1991) (following the majority of courts and commentators suggesting that insurers must prove policy defenses by a preponderance of the evidence), with Am. Family Mut. Ins. Co. v. Schley, 978 F. Supp. 870, 874-75 (E.D. Wis. 1997).” Applying the preponderance of the evidence burden to a concealment or misrepresentation defense, the Arizona Supreme Court concluded comports with sound reason and is supported by major commentators in the field. In fact, the Supreme Court pointed out that the Arizona Court of Appeals has held that the defense of arson, which by its nature may impute fraudulent representations to the insurer, must be proved only by a preponderance of the evidence.

Officer Caught Aiding Criminals for Cash Police Officer who took Bribes from Insurance Fraudster Convicted Post 4923 Read the full article at https://www.linkedin.com/pulse/officer-caught-aiding-criminals-cash-barry-zalma-esq-cfe-niboc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. Demarkco Johnson (“Johnson”), appealed his convictions and claims the following errors: 1 The trial court abused its discretion in denying appellant’s request for a jury instruction on entrapment. 2 The trial court erred in failing to admonish and/or instruct the witness to stop answering questions with a legal conclusion after defense counsel had objected. 3 Appellant’s convictions are against the manifest weight of the evidence; therefore, his convictions are in violation of the Ohio state constitution and the Sixth and Fourteenth Amendments to the United States Constitution. In State Of Ohio v. Demarkco Johnson, 2024-Ohio-5098, No. 113591, Court of Appeals of Ohio, Eighth District, Cuyahoga (October 24, 2024) resolved the issues on appeal. FACTS Defendants were charged with two counts of conspiracy, three counts of bribery, eight counts of forgery, one count of insurance fraud, one count of identity fraud, and one count of engaging in a pattern of corrupt activity. They engaged in a pattern of corrupt activity charge included a clause alleging that at least one of the incidents of corrupt activity was a felony of the third degree or higher. At trial George Michael Riley, Sr. (“Riley”), testified that he became a confidential source for the Federal Bureau of Investigation (“FBI”), which was investigating corruption in the East Cleveland Police Department. Special Agent Shaun Roth (“Roth”), an agent with the FBI working with the Cleveland Metropolitan Anti-Corruption Task Force, testified that the FBI executed a search warrant for one of Riley’s properties. Harris’s services included running Riley’s name in police databases to check for warrants and blocking off city roads so Riley could move his demolition equipment throughout the city. Two of Riley’s trucks were stolen from his business in East Cleveland. Riley told his contacts at the FBI, and FBI officials instructed him to file a police report with the East Cleveland police just as any other victim would do. Riley cooperated with the FBI. After hearing the evidence, the jury found Johnson guilty of two counts of bribery, as alleged in Counts 5 and 10 of the indictment. The jury acquitted him of all other charges. The court sentenced Johnson to 12 months in prison on both counts and ordered that the two prison terms be served concurrently. Johnson appealed the trial court’s judgment. Law and Analysis - Entrapment Instruction In the first assignment of error, Johnson argues the trial court erred in denying his request for a jury instruction on the defense of entrapment. Entrapment is a ‘confession and avoidance’ defense in which the defendant admits committing the acts charged but claims that the criminal design arose with the state’s agent. There is no entrapment when government officials merely afford opportunities or facilities for the commission of the offense to a criminal defendant who was predisposed to commit the offense. The video evidence showed Johnson handing Riley reports in exchange for money on multiple occasions. Johnson’s conduct demonstrated a ready acquiescence to the inducements offered by the government’s confidential source and a willingness to become involved in criminal activity in exchange for money. The evidence showed that Johnson not only had expert knowledge as to how to create the police reports in a way that could go undetected, but he also had access to the blank police forms that made the concealment of the reports possible. The Court of Appeals found that evidence did not support an entrapment defense. Testimony Pertaining to Bribery In the second assignment of error, Johnson argues the trial court erred by refusing to instruct Roth to refrain from using the word “bribe” or “bribery payment” in response to questions that were not specifically related to bribe payments. Even if Roth had avoided the words “bribe” or “bribery payment,” the outcome of the trial would not have been any different. The overwhelming evidence established that Johnson helped create fake police reports in exchange for money. Manifest Weight of the Evidence Johnson argued his convictions were against the manifest weight of the evidence. The Court of Appeals noted that Johnson’s convictions were not dependent on his knowledge of any insurance scheme or Harris’s separate dealings with Riley. His convictions were based solely on his position as a police officer in the East Cleveland Police Department and his acceptance of cash in exchange for police reports. Video evidence showed Johnson accepting cash from Riley in exchange for the reports on at least two occasions. And, despite Johnson’s argument to the contrary, Johnson played along when Harris introduced him to Riley as Nevels. CONCLUSION The Court of Appeals ordered that a special mandate issue out of the court directing the common pleas court to carry this judgment into execution. The defendant’s conviction having been affirmed, any bail pending appeal is terminated. Case remanded to the trial court for execution of sentence. ZALMA OPINION There can be no excuse for a police officer to sell information to an insurance criminal to ease the ability of the crime to succeed. Officer Johnson tried multiple arguments to set aside his conviction even though the evidence against him was overwhelming. The Court of Appeals disposed of his arguments quickly and intelligently. Fraud is a crime. Insurance fraud is a crime. Helping the criminal avoid prosecution is also a crime and establishes the officer had given up his honor for cash. (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

When A Government Becomes A Corporation, What You Need To Know 9 November 2018 There no longer exists any form of representative government under the framework that is the United Nations Charter. The U.N. platform is offered as a contract and is then enforced via the Bilderberg Steering Committee’s influence upon all signatory governments. Today what presents itself as your council or government, or more correctly, the men and women working within the same, defraud you by pretending they represent you and operate according to the parameters of the office they hold after you gave them your vote to hold that office.[A] What we call government today is in fact an incorporated entity, that means that because they are corporations, [1] they can no longer represent you an Autonomous living man/woman, due to the fact the council/government has changed Jurisdiction, they have shifted from a realm of laws to a realm of commercial legislation, controlled by the UCC and for the movement of the cargo, coming under Shipping, (UPU) this they call the Legal System. However, they enthusiastically keep up an act in which they work very hard to convince you that they represent you while knowing the contrary to be fact. That makes them liars from the minute they join the council/government. The position is in Controversy, and any and all organisations of men/women that cover this fact are also in Controversy, including the Judiciary. The Judiciary cover the scam and if you demand full disclosure as it relates to the use of DOG-LATIN, today called American Sign Language, they run out of court. They do that because of the fact, in the paperwork they are using two languages, therefore they run out of court for one of two reasons, Concealment of the facts and or the right to Silence.[B] They are very very naughty. You need to understand that what you call "government" is a FOR-PROFIT #Corporation that has been defrauding YOU and every other American for a very long time! Our #Judiciary is also a part of the corrupt Corporation, and does NOT practice #Law... They are actually using UCC or the "Uniform Commercial Code" used for COMMERCE and SHIPPING, and unlawfully applying it to people! Let me rephrase... applying to "Legal Fictions" that they have brainwashed you into believing is YOU! When you go to court you are not representing YOU the MAN / WOMAN! You are representing a "Legal Fiction" Fairy dust, something that exists only on paper! https://thebridgelifeinthemix.info/british-law/government-corporation-death-raised-life/

I'm curious..... WHY do you think that #Corporate #Government officials go along with this clearly unconstitutional BS by the #ATF? #SCOTUS has already ruled that they DO NOT HAVE THE AUTHORITY Just like SCOTUS has ruled that the #EPA does NOT have the authority to "Police the Air" and require Americans to "jump through hoops" to stay in business concerning CO2 Emissions I mean we have a system in place, no matter how illegitimate it may be, but it's a system based on #Law. And the LAW of the land is the #Constitution! It don't really matter what SCOTUS says, because they represent an unlawful system of #Pirates and Piracy! Based in "Admiralty Law" The only "consent" they have comes from CONTRACTS which are 100% based on #Fraud and deception! ANY CONTRACT BASED ON FRAUD IS NULL AND VOID! So the entire system is "Null and Void" folks! But leaving that aside.... The illegitimate "system" we have set up puts SCOTUS as the "Highest Court in the Land" and they say this stuff is UNLAWFUL! So how can ANYONE within that system allow this BS without coming right out and saying "We are an illegitimate government, and we are enforcing illegitimate statutes and codes, and WE DON'T RESPECT YOUR INALIENABLE HUMAN RIGHTS because we are illegitimate to start with" Can someone answer that for me? HOW can the people of the United States continue to PRETEND we have any form of legitimate "Government" at all? It's PATHETIC.... And it's a crime against humanity to even PARTICIPATE IN THIS SYSTEM! So #Police and the #IRS and the #Congress and even your local #Court is ILLEGITIMATE and are actively committing #Treason and crimes against humanity! Will ANYONE let their balls drop and STOP SUPPORTING / FUNDING this completely and totally illegitimate and purely #Criminal CORPORATION? At what point do YOU become culpable for YOUR CRIME of rendering aid to these TERRORISTS and ILLEGITIMATE CRIMINAL CARTEL??? It's THEIR ILLEGITIMATE LAW! For THEIR ILLEGITIMATE SYSTEM! Paying "Taxes" is a CRIME! 18 U.S. Code § 2339A - Providing material support to terrorists (a)Offense.— Whoever provides material support or resources or conceals or disguises the nature, location, source, or ownership of material support or resources, knowing or intending that they are to be used in preparation for, or in carrying out, a violation of section 32, 37, 81, 175, 229, 351, 831, 842(m) or (n), 844(f) or (i), 930(c), 956, 1091, 1114, 1116, 1203, 1361, 1362, 1363, 1366, 1751, 1992, 2155, 2156, 2280, 2281, 2332, 2332a, 2332b, 2332f, 2340A, or 2442 of this title, section 236 of the Atomic Energy Act of 1954 (42 U.S.C. 2284), section 46502 or 60123(b) of title 49, or any offense listed in section 2332b(g)(5)(B) (except for sections 2339A and 2339B) or in preparation for, or in carrying out, the concealment of an escape from the commission of any such violation, or attempts or conspires to do such an act, shall be fined under this title, imprisoned not more than 15 years, or both, and, if the death of any person results, shall be imprisoned for any term of years or for life. A violation of this section may be prosecuted in any Federal judicial district in which the underlying offense was committed, or in any other Federal judicial district as provided by law. (b)Definitions.—As used in this section— (1)the term “material support or resources” means any property, tangible or intangible, or service, including currency or monetary instruments or financial securities, financial services, lodging, training, expert advice or assistance, safehouses, false documentation or identification, communications equipment, facilities, weapons, lethal substances, explosives, personnel (1 or more individuals who may be or include oneself), and transportation, except medicine or religious materials; (2)the term “training” means instruction or teaching designed to impart a specific skill, as opposed to general knowledge; and (3)the term “expert advice or assistance” means advice or assistance derived from scientific, technical or other specialized knowledge. https://gab.com/TheHumblePatriot/posts/110715215999858537

Judge Unseals Mar-a-Lago Raid Warrant, Reveals Why FBI Is Investigating Trump Trump is under investigation for alleged violations of 18 USC 2071—concealment, removal, or mutilation; 18 USC 793 of the Espionage Act—gathering, transmitting, or losing defense information; and 18 USC 1519—destruction, alteration, or falsification of records in federal investigations, according to the warrant, which was unsealed by Judge Bruce Reinhart on Friday afternoon. A conviction under these statutes can lead to imprisonment or fines.

Hmm...Wonder If They Are Hiding Anything? FDA Wants 55 Years to Fully Release Pfizer Approval Data for the COVID COMIRNATY Shot Which Led to An Avalanche of Vaccine Mandates After a FOIA (freedom of info. act) lawsuit request by a medical transparency group was filed, the FDA asked the court for permission to release 500 pages a month of the 329,000 pages of documents required. https://bit.ly/3nHIdQk That would put the request fulfillment out to 2076 at which time all the guilty and requestors would be dead. The FDA promised transparency and a thorough examination before the approval. The group suing for FOIA documents, Public Health and Medical Professionals for Transparency, notes that a whistleblower said the the Pfizer trials were riddled with issues, including falsification of data. At the time of the approval, nearly 14,000 COVID vaccine deaths had been admitted to by the CDC in the under reported VAERS data. No reference was made to even those facts during the approval process. Meanwhile, over 256 million doses of Pfizer's shot have been administered in the US alone as of November 14. The FDA's concealment tells you who they really represent - Big Pharma, not the people receiving this kill/clot shot. #covid19 #fda #pfizer #vaccinemandates #covidshot

"We saw Alien spaceships in Saturn's rings," NASA researchers claim "The rings were created by massive electromagnetic vehicles (EMVs) that could be powered by intelligent beings, he goes on to say. He says that the 7000-mile-long elliptical ships circle and are circling Saturn all inside the rings, but that they are invisible because they have concealment equipment similar to that used by UFOs on Earth. Bergrun and other scholars later discovered that the same or identical vessels are orbiting the Sun, Jupiter, and Uranus." #ufo #extraterrestrial #spaceship #hidden https://alienstar.net/we-saw-alien-spaceships-in-saturns-rings-nasa-researchers-claim/

So it happens that, in public, impious impurity shouts into people’s ears with noisy din, while in private, hidden chastity is scarcely heard of even by a few. For depravity there is notoriety; for decency, only concealment. Decency goes into hiding; indecency goes on parade. Evil action summons a mob; a good discourse scarcely finds a handful of listeners. It is as though virtue were matter for shame, and vice for boasting. Such is the perversion in the temples of the demons, in those haunts of deceit. The esoteric instructions are to ensnare the decent few; the public worship is to keep the immoral majority from reform. https://thepilgrimjournal.com/the-city-of-god-book-2-chapters-twenty-five-and-twenty-six/

Amen!!! I DON'T WEAR MASKS!!! I did NOT wear one when I voted and I do NOT wear one when I go to the store either!!! ANY ESTABLISHMENT that attempts to restrict my entry based on not wearing a mask is open themselves up to a LAWSUIT for discrimination!!! YOU just need to STOP WEARING MASKS and sue ANYONE who attempts to force you to wear one INCLUDING the illegitimate Biden Administration!!! Comment: ENABLING FASCISM?!? Are U GUILTY?? FASCISM is "enabled" not by the "fascists" ... but, by those who acquiesce "to" them (the fascist's fascism) ... Take for example the wearing of facial masks ... surgical masks ... aka facial diapers and/or facial concealment devices .... R U wearing one?? WHY?? You are part of the problem of HOW/WHY fascism has taken such a foothold in this nation in ONE years time!! Shame on all of you!!

There is NO Way Possible that 69 million legitimate, registered Voters cast legal Votes for Biden ! That would be too INSANE to be Real. This is a Conspired Farce and THEY will not get Away with it. No Americans any where near even half that number would have gone and votedor mailed in (who were doing it legally) to Raise their Taxes, get higher gas prices, kick off the start of the Take Down of America and it's People, be massively robbed by Bad Trade Deals again, ETC. IT DID NOT happen. If Even 50 million valid Voters would have Voted for Biden it would be totally unbelievable. So , most of those votes are, dead people, unregistered people, people not living in the State or County, pets, OR fabricated people OR just fraud with NUMBERS complete Fabrications. We Will soon start hearing about many explanationsfor the Fake numbers and manipulations of Truth. Don't believe or even consider the Apparition the Controllers are trying to make appearand be accepted , THEY deceive you. It is NOT Real ! Rebuke THEM NOW ! ! ! They DARE to foist an un-American Elitist idiot profiteer in YOUR Face and gloss over his glaring inadequacies and INSTALL him as THEIR "INSTALLEE" Candidate to put into OFFICE, to prove they can deceive YOU now as easily as THEY have for Decades most of the Populace (Until recently). Using their Tools; the Agency and SES entrenchment/MSMedia Lies and designed narratives/Hollywood Operations/Network Gaming Fantasies/these PsyOp, quick majick, 2020 E lection bogus drift concealments, doctored Results and renderings to see if even YOU, some semi-Awake and aware leaders/Q-Anons/Trumpsters/Patriots,can be fooled and led away to the pasture of Compliance ! ! ! Don't Buy into ONE Little BIT, DEFY IT. Tell them to PROVE IT and stand up tothorough Examination if they are so Correct and Valid! Watch them Deflect, Accuse,squirm and Retreat ! - Pelosi Family Voter Fraud Computer Election System and software program giving hundreds of thousands of Votes to biden instead of Trump from Georgia/Virginial/Carolinas/Pennsylvania/Wisconsin/Michigan/Arizone/Nevada, ETC ! ! ! Read less