• The Obama-Biden-Hillary-Pelosi-Schiff-Schumer cabal has been addicted to a symbiotic relationship with Ukrainian officials for more than ten years. President Biden's pardon of his son confirms that Trump was wrongfully impeached in 2019.https://tippinsights.com/bidens-unprecedented-blanket-pardon-destroys-his-legacy-and-proves-trump-was-wrongly-impeached-over-ukraine-2/
    The Obama-Biden-Hillary-Pelosi-Schiff-Schumer cabal has been addicted to a symbiotic relationship with Ukrainian officials for more than ten years. President Biden's pardon of his son confirms that Trump was wrongfully impeached in 2019.https://tippinsights.com/bidens-unprecedented-blanket-pardon-destroys-his-legacy-and-proves-trump-was-wrongly-impeached-over-ukraine-2/
    1 Comments 1 Shares 78 Views
  • #ClimateChange and #GlobaklWarming is a #HOAX!
    You have mentally ill people around the world claiming that CO2 is causing this BS "Climate Change" yet these same people generally have NO IDEA how much CO2 is even in our atmosphere! It's a mere 0.04% by the way, very little

    CO2 is a gas of LIFE!
    It is what humans exhale after breathing in oxygen...
    And in PERFECT BALANCE the plants BREATHE IN CO2 AND EXHALE OXYGEN!

    It's a perfect system. Yet, we have zealots bent on #Eugenics who want to kill us all...
    and if not KILL, they definitely want to CONTROL everyone! Their fictional
    "Climate Change" narrative is designed to give them
    FULL CONTROL OVER THE EARTH AND EVERYONE IN IT!

    These #Criminals will do whatever it takes to gain control over all of mankind!
    And that includes spraying TOXINS into our skies, poisoning the entire agricultural system, all men and women, and even the water!

    These lunatics have been trying to accomplish this #Evil plan for over 150 years!
    And it is time they are STOPPED!

    These morons have no more rights to this earth than we do....
    And there are BILLIONS OF US opposed to poisoning our earth and ourselves!

    It's about time that we start acting like it!
    These people belong in PRISON

    Here's the short list of LIES we have been told about how
    "Climate is going to kill us all" PURELY FICTION AND LIES!

    Scientists seeking funding and journalists seeking an audience agree: panic sells.

    “Global cooling is going to kills us all!” “No, wait: global warming is going to kill us all!”

    Here's the list - an amazing chronology of the last 120 years of scare-mongering on climate

    1895 - Geologists Think theWorld May Be Frozen Up Again – New York Times, February 1895

    1902 - “Disappearing Glaciers…deteriorating slowly, with a persistency that means their final annihilation…scientific fact…surely disappearing.” – Los Angeles Times

    1912 - Prof. Schmidt Warns Us of an Encroaching Ice Age – New York Times, October 1912

    1923 - “Scientist says Arctic ice will wipe out Canada” – Professor Gregory of Yale University, American representative to the Pan-Pacific Science Congress, – Chicago Tribune

    1923 - “The discoveries of changes in the sun’s heat and the southward advance of glaciers in recent years have given rise to conjectures of the possible advent of a new ice age” – Washington Post

    1924 - MacMillan Reports Signs of New Ice Age – New York Times, Sept 18, 1924

    1929 - “Most geologists think the world is growing warmer, and that it will continue to get warmer” – Los Angeles Times, in Is another ice age coming?

    1932 - “If these things be true, it is evident, therefore that we must be just teetering on an ice age” – The Atlantic magazine, This Cold, Cold World

    1933 - America in Longest Warm Spell Since 1776; Temperature Line Records a 25-Year Rise – New York Times, March 27th, 1933

    1933 – “…wide-spread and persistent tendency toward warmer weather…Is our climate changing?” – Federal Weather Bureau “Monthly Weather Review.”

    1938 - Global warming, caused by man heating the planet with carbon dioxide, “is likely to prove beneficial to mankind in several ways, besides the provision of heat and power.”– Quarterly Journal of the Royal Meteorological Society

    1938 - “Experts puzzle over 20 year mercury rise…Chicago is in the front rank of thousands of cities thuout the world which have been affected by a mysterious trend toward warmer climate in the last two decades” – Chicago Tribune

    1939 - “Gaffers who claim that winters were harder when they were boys are quite right… weather men have no doubt that the world at least for the time being is growing warmer” – Washington Post

    1952 - “…we have learned that the world has been getting warmer in the last half century” – New York Times, August 10th, 1962

    1954 - “…winters are getting milder, summers drier. Glaciers are receding, deserts growing” – U.S. News and World Report

    1954 - Climate – the Heat May Be Off – Fortune Magazine

    1959 - “Arctic Findings in Particular Support Theory of Rising Global Temperatures” – New York Times

    1969 - “…the Arctic pack ice is thinning and that the ocean at the North Pole may become an open sea within a decade or two” – New York Times, February 20th, 1969

    1969 – “If I were a gambler, I would take even money that England will not exist in the year 2000″ — Paul Ehrlich (while he now predicts doom from global warming, this quote only gets honorable mention, as he was talking about his crazy fear of overpopulation)

    1970 - “…get a good grip on your long johns, cold weather haters – the worst may be yet to come…there’s no relief in sight” – Washington Post

    1974 - Global cooling for the past forty years – Time Magazine

    1974 - “Climatological Cassandras are becoming increasingly apprehensive, for the weather aberrations they are studying may be the harbinger of another ice age” –Washington Post

    1974 - “As for the present cooling trend a number of leading climatologists have concluded that it is very bad news indeed” – Fortune magazine, who won a Science Writing Award from the American Institute of Physics for its analysis of the danger

    1974 - “…the facts of the present climate change are such that the most optimistic experts would assign near certainty to major crop failure…mass deaths by starvation, and probably anarchy and violence” – New York Times

    Cassandras are becoming increasingly apprehensive, for the weather aberrations they are studying may be the harbinger of another ice age

    1975 - Scientists Ponder Why World’s Climate is Changing; A Major Cooling Widely Considered to Be Inevitable – New York Times, May 21st, 1975

    1975 - “The threat of a new ice age must now stand alongside nuclear war as a likely source of wholesale death and misery for mankind” Nigel Calder, editor, New Scientist magazine, in an article in International Wildlife Magazine

    1976 - “Even U.S. farms may be hit by cooling trend” – U.S. News and World Report

    1981 - Global Warming – “of an almost unprecedented magnitude” – New York Times

    1988 - I would like to draw three main conclusions. Number one, the earth is warmer in 1988 than at any time in the history of instrumental measurements. Number two, the global warming is now large enough that we can ascribe with a high degree of confidence a cause and effect relationship to the greenhouse effect. And number three, our computer climate simulations indicate that thegreenhouse effect is already large enough to begin to effect the probability of extreme events such as summer heat waves. – Jim Hansen, June 1988 testimony before Congress, see His later quote andHis superior’s objection for context

    1989 -“On the one hand, as scientists we are ethically bound to the scientific method, in effect promising to tell the truth, the whole truth, and nothing but – which means that we must include all doubts, the caveats, the ifs, ands and buts. On the other hand, we are not just scientists but human beings as well. And like most people we’d like to see the world a better place, which in this context translates into our working to reduce the risk of potentially disastrous climate change. To do that we need to get some broad based support, to capture the public’s imagination. That, of course, means getting loads of media coverage. So we have to offer up scary scenarios, make simplified, dramatic statements, and make little mention of any doubts we might have. This “double ethical bind” we frequently find ourselves in cannot be solved by any formula. Each of us has to decide what the right balance is between being effective and being honest. I hope that means being both.” – Stephen Schneider, lead author of the Intergovernmental Panel on Climate Change,Discover magazine, October 1989

    1990 - “We’ve got to ride the global warming issue. Even if the theory of global warming is wrong, we will be doing the right thing – in terms of economic policy and environmental policy” – Senator Timothy Wirth

    1993 - “Global climate change may alter temperature and rainfall patterns, many scientists fear, with uncertain consequences for agriculture.” – U.S. News and World Report

    1998 - No matter if the science [of global warming] is all phony . . . climate change [provides] the greatest opportunity to bring about justice and equality in the world.” —Christine Stewart, Canadian Minister of the Environment, Calgary Herald, 1998

    2001 - “Scientists no longer doubt that global warming is happening, and almost nobody questions the fact that humans are at least partly responsible.” – Time Magazine, Monday, Apr. 09, 2001

    2003 - Emphasis on extreme scenarios may have been appropriate at one time, when the public and decision-makers were relatively unaware of the global warming issue, and energy sources such as “synfuels,” shale oil and tar sands were receiving strong consideration” – Jim Hansen, NASA Global Warming activist, Can we defuse The Global Warming Time Bomb?, 2003

    2006 - “I believe it is appropriate to have an over-representation of factual presentations on how dangerous it is, as a predicate for opening up the audience to listen to what the solutions are, and how hopeful it is that we are going to solve this crisis.” — Al Gore, Grist magazine, May 2006

    2006 – “It is not a debate over whether the earth has been warming over the past century. The earth is always warming or cooling, at least a few tenths of a degree…” —Richard S. Lindzen, the Alfred P. Sloan professor of meteorology at MIT

    2006 – “What we have fundamentally forgotten is simple primary school science. Climate always changes. It is always…warming or cooling, it’s never stable. And if it were stable, it would actually be interesting scientifically because it would be the first time for four and a half billion years.” —Philip Stott, emeritus professor of bio-geography at the University of London

    2006 - “Since 1895, the media has alternated between global cooling and warming scares during four separate and sometimes overlapping time periods. From 1895 until the 1930’s the media peddled a coming ice age. From the late 1920’s until the 1960’s they warned of global warming. From the 1950’s until the 1970’s they warned us again of a coming ice age. This makes modern global warming the fourth estate’s fourth attempt to promote opposing climate change fears during the last 100 years.” –Senator James Inhofe, Monday, September 25, 2006

    2007- “I gave a talk recently (on fallacies of global warming) and three members of the Canadian government, the environmental cabinet, came up afterwards and said, ‘We agree with you, but it’s not worth our jobs to say anything.’ So what’s being created is a huge industry with billions of dollars of government money and people’s jobs dependent on it.” – Dr. Tim Ball, Coast-to-Coast, Feb 6, 2007

    2008 – “Hansen was never muzzled even though he violated NASA’s official agency position on climate forecasting (i.e., we did not know enough to forecast climate change or mankind’s effect on it). Hansen thus embarrassed NASA by coming out with his claims of global warming in 1988 in his testimony before Congress” – Dr. John S. Theon, retired Chief of the Climate Processes Research Program at NASA, see above for Hansen quotes

    You can find this article by searching : American Thinker August 4, 2014
    "120 years of climate scares"

    It's time to tell these liars and eugenicists that the jig is up!
    And their little HOAX is over!

    Just look at the lunacy these people are printing!




    It’s Time to Engineer the Sky

    Global warming is so rampant that some scientists say we should begin altering the stratosphere to block incoming sunlight, even if it jeopardizes rain and crops

    https://www.scientificamerican.com/article/its-time-to-engineer-the-sky/
    #ClimateChange and #GlobaklWarming is a #HOAX! You have mentally ill people around the world claiming that CO2 is causing this BS "Climate Change" yet these same people generally have NO IDEA how much CO2 is even in our atmosphere! It's a mere 0.04% by the way, very little CO2 is a gas of LIFE! It is what humans exhale after breathing in oxygen... And in PERFECT BALANCE the plants BREATHE IN CO2 AND EXHALE OXYGEN! It's a perfect system. Yet, we have zealots bent on #Eugenics who want to kill us all... and if not KILL, they definitely want to CONTROL everyone! Their fictional "Climate Change" narrative is designed to give them FULL CONTROL OVER THE EARTH AND EVERYONE IN IT! These #Criminals will do whatever it takes to gain control over all of mankind! And that includes spraying TOXINS into our skies, poisoning the entire agricultural system, all men and women, and even the water! These lunatics have been trying to accomplish this #Evil plan for over 150 years! And it is time they are STOPPED! These morons have no more rights to this earth than we do.... And there are BILLIONS OF US opposed to poisoning our earth and ourselves! It's about time that we start acting like it! These people belong in PRISON Here's the short list of LIES we have been told about how "Climate is going to kill us all" PURELY FICTION AND LIES! Scientists seeking funding and journalists seeking an audience agree: panic sells. “Global cooling is going to kills us all!” “No, wait: global warming is going to kill us all!” Here's the list - an amazing chronology of the last 120 years of scare-mongering on climate 1895 - Geologists Think theWorld May Be Frozen Up Again – New York Times, February 1895 1902 - “Disappearing Glaciers…deteriorating slowly, with a persistency that means their final annihilation…scientific fact…surely disappearing.” – Los Angeles Times 1912 - Prof. Schmidt Warns Us of an Encroaching Ice Age – New York Times, October 1912 1923 - “Scientist says Arctic ice will wipe out Canada” – Professor Gregory of Yale University, American representative to the Pan-Pacific Science Congress, – Chicago Tribune 1923 - “The discoveries of changes in the sun’s heat and the southward advance of glaciers in recent years have given rise to conjectures of the possible advent of a new ice age” – Washington Post 1924 - MacMillan Reports Signs of New Ice Age – New York Times, Sept 18, 1924 1929 - “Most geologists think the world is growing warmer, and that it will continue to get warmer” – Los Angeles Times, in Is another ice age coming? 1932 - “If these things be true, it is evident, therefore that we must be just teetering on an ice age” – The Atlantic magazine, This Cold, Cold World 1933 - America in Longest Warm Spell Since 1776; Temperature Line Records a 25-Year Rise – New York Times, March 27th, 1933 1933 – “…wide-spread and persistent tendency toward warmer weather…Is our climate changing?” – Federal Weather Bureau “Monthly Weather Review.” 1938 - Global warming, caused by man heating the planet with carbon dioxide, “is likely to prove beneficial to mankind in several ways, besides the provision of heat and power.”– Quarterly Journal of the Royal Meteorological Society 1938 - “Experts puzzle over 20 year mercury rise…Chicago is in the front rank of thousands of cities thuout the world which have been affected by a mysterious trend toward warmer climate in the last two decades” – Chicago Tribune 1939 - “Gaffers who claim that winters were harder when they were boys are quite right… weather men have no doubt that the world at least for the time being is growing warmer” – Washington Post 1952 - “…we have learned that the world has been getting warmer in the last half century” – New York Times, August 10th, 1962 1954 - “…winters are getting milder, summers drier. Glaciers are receding, deserts growing” – U.S. News and World Report 1954 - Climate – the Heat May Be Off – Fortune Magazine 1959 - “Arctic Findings in Particular Support Theory of Rising Global Temperatures” – New York Times 1969 - “…the Arctic pack ice is thinning and that the ocean at the North Pole may become an open sea within a decade or two” – New York Times, February 20th, 1969 1969 – “If I were a gambler, I would take even money that England will not exist in the year 2000″ — Paul Ehrlich (while he now predicts doom from global warming, this quote only gets honorable mention, as he was talking about his crazy fear of overpopulation) 1970 - “…get a good grip on your long johns, cold weather haters – the worst may be yet to come…there’s no relief in sight” – Washington Post 1974 - Global cooling for the past forty years – Time Magazine 1974 - “Climatological Cassandras are becoming increasingly apprehensive, for the weather aberrations they are studying may be the harbinger of another ice age” –Washington Post 1974 - “As for the present cooling trend a number of leading climatologists have concluded that it is very bad news indeed” – Fortune magazine, who won a Science Writing Award from the American Institute of Physics for its analysis of the danger 1974 - “…the facts of the present climate change are such that the most optimistic experts would assign near certainty to major crop failure…mass deaths by starvation, and probably anarchy and violence” – New York Times Cassandras are becoming increasingly apprehensive, for the weather aberrations they are studying may be the harbinger of another ice age 1975 - Scientists Ponder Why World’s Climate is Changing; A Major Cooling Widely Considered to Be Inevitable – New York Times, May 21st, 1975 1975 - “The threat of a new ice age must now stand alongside nuclear war as a likely source of wholesale death and misery for mankind” Nigel Calder, editor, New Scientist magazine, in an article in International Wildlife Magazine 1976 - “Even U.S. farms may be hit by cooling trend” – U.S. News and World Report 1981 - Global Warming – “of an almost unprecedented magnitude” – New York Times 1988 - I would like to draw three main conclusions. Number one, the earth is warmer in 1988 than at any time in the history of instrumental measurements. Number two, the global warming is now large enough that we can ascribe with a high degree of confidence a cause and effect relationship to the greenhouse effect. And number three, our computer climate simulations indicate that thegreenhouse effect is already large enough to begin to effect the probability of extreme events such as summer heat waves. – Jim Hansen, June 1988 testimony before Congress, see His later quote andHis superior’s objection for context 1989 -“On the one hand, as scientists we are ethically bound to the scientific method, in effect promising to tell the truth, the whole truth, and nothing but – which means that we must include all doubts, the caveats, the ifs, ands and buts. On the other hand, we are not just scientists but human beings as well. And like most people we’d like to see the world a better place, which in this context translates into our working to reduce the risk of potentially disastrous climate change. To do that we need to get some broad based support, to capture the public’s imagination. That, of course, means getting loads of media coverage. So we have to offer up scary scenarios, make simplified, dramatic statements, and make little mention of any doubts we might have. This “double ethical bind” we frequently find ourselves in cannot be solved by any formula. Each of us has to decide what the right balance is between being effective and being honest. I hope that means being both.” – Stephen Schneider, lead author of the Intergovernmental Panel on Climate Change,Discover magazine, October 1989 1990 - “We’ve got to ride the global warming issue. Even if the theory of global warming is wrong, we will be doing the right thing – in terms of economic policy and environmental policy” – Senator Timothy Wirth 1993 - “Global climate change may alter temperature and rainfall patterns, many scientists fear, with uncertain consequences for agriculture.” – U.S. News and World Report 1998 - No matter if the science [of global warming] is all phony . . . climate change [provides] the greatest opportunity to bring about justice and equality in the world.” —Christine Stewart, Canadian Minister of the Environment, Calgary Herald, 1998 2001 - “Scientists no longer doubt that global warming is happening, and almost nobody questions the fact that humans are at least partly responsible.” – Time Magazine, Monday, Apr. 09, 2001 2003 - Emphasis on extreme scenarios may have been appropriate at one time, when the public and decision-makers were relatively unaware of the global warming issue, and energy sources such as “synfuels,” shale oil and tar sands were receiving strong consideration” – Jim Hansen, NASA Global Warming activist, Can we defuse The Global Warming Time Bomb?, 2003 2006 - “I believe it is appropriate to have an over-representation of factual presentations on how dangerous it is, as a predicate for opening up the audience to listen to what the solutions are, and how hopeful it is that we are going to solve this crisis.” — Al Gore, Grist magazine, May 2006 2006 – “It is not a debate over whether the earth has been warming over the past century. The earth is always warming or cooling, at least a few tenths of a degree…” —Richard S. Lindzen, the Alfred P. Sloan professor of meteorology at MIT 2006 – “What we have fundamentally forgotten is simple primary school science. Climate always changes. It is always…warming or cooling, it’s never stable. And if it were stable, it would actually be interesting scientifically because it would be the first time for four and a half billion years.” —Philip Stott, emeritus professor of bio-geography at the University of London 2006 - “Since 1895, the media has alternated between global cooling and warming scares during four separate and sometimes overlapping time periods. From 1895 until the 1930’s the media peddled a coming ice age. From the late 1920’s until the 1960’s they warned of global warming. From the 1950’s until the 1970’s they warned us again of a coming ice age. This makes modern global warming the fourth estate’s fourth attempt to promote opposing climate change fears during the last 100 years.” –Senator James Inhofe, Monday, September 25, 2006 2007- “I gave a talk recently (on fallacies of global warming) and three members of the Canadian government, the environmental cabinet, came up afterwards and said, ‘We agree with you, but it’s not worth our jobs to say anything.’ So what’s being created is a huge industry with billions of dollars of government money and people’s jobs dependent on it.” – Dr. Tim Ball, Coast-to-Coast, Feb 6, 2007 2008 – “Hansen was never muzzled even though he violated NASA’s official agency position on climate forecasting (i.e., we did not know enough to forecast climate change or mankind’s effect on it). Hansen thus embarrassed NASA by coming out with his claims of global warming in 1988 in his testimony before Congress” – Dr. John S. Theon, retired Chief of the Climate Processes Research Program at NASA, see above for Hansen quotes You can find this article by searching : American Thinker August 4, 2014 "120 years of climate scares" It's time to tell these liars and eugenicists that the jig is up! And their little HOAX is over! Just look at the lunacy these people are printing! It’s Time to Engineer the Sky Global warming is so rampant that some scientists say we should begin altering the stratosphere to block incoming sunlight, even if it jeopardizes rain and crops https://www.scientificamerican.com/article/its-time-to-engineer-the-sky/
    WWW.SCIENTIFICAMERICAN.COM
    It's Time to Engineer the Sky
    Global warming is so rampant that some scientists say we should begin altering the stratosphere to block incoming sunlight, even if it jeopardizes rain and crops
    1 Comments 0 Shares 1K Views
  • Biden's Pardoning of Hunter JUST BACKFIRED IMMEDIATELY + Trump's reaction!
    https://youtu.be/FRuGKPZnqT4
    Miranda Devine - Journalist for The New York post and author of Laptop from Hell and The Big Guy You are the perfect person to help me understand the hypocrisy of Joe Biden and the full immunity 11 year time frame pardon of Hunter Biden. What is this all about and was the plan to always pardon him to avoid real accountability and jail time? Is this to do with President Trump nominating Kash Patel for director of FBI and Kash openly saying he wants people in DC investigated and held accountable? I see a message from Jack Posobiec saying an insider at the white house told him President Biden was threatened by Hunter with a tell all book about his dads crimes if he didn’t pardon him Biden’s press secretary, Karine Jean Pierre has said over and over again Hunter would not be pardoned. Now today she said several times this was political war, blamed Trump and said Biden had to do it, but wasn’t it Biden’s DOJ going soft on Hunter that still kept finding crime after crime after crime? President Trump was disappointed but called on Biden to also pardon and free everyone involved in January 6th. Colorado Governor Jared Polis attacked Biden for 'putting his family ahead of the country' and setting 'a bad precedent that could be abused by later Presidents.' Clearly, he had Trump in mind. Greg Stanton, a Democratic congressman from Arizona, said: 'I respect President Biden but I think he got this one wrong. This wasn't a politically-motivated prosecution. Hunter committed felonies and was convicted by a jury of his peers' Is Biden really covering for Biden and will he eventually pardon himself before Trump takes office? Will Joe’s brother James be pardoned since he’s also an major part of this foreign business deals grift? I’m going to put a link to your articles, your x and your book The Big Guy so people can read about the Biden crime family.
    🔥Biden's Pardoning of Hunter JUST BACKFIRED IMMEDIATELY + Trump's reaction! https://youtu.be/FRuGKPZnqT4 Miranda Devine - Journalist for The New York post and author of Laptop from Hell and The Big Guy You are the perfect person to help me understand the hypocrisy of Joe Biden and the full immunity 11 year time frame pardon of Hunter Biden. What is this all about and was the plan to always pardon him to avoid real accountability and jail time? Is this to do with President Trump nominating Kash Patel for director of FBI and Kash openly saying he wants people in DC investigated and held accountable? I see a message from Jack Posobiec saying an insider at the white house told him President Biden was threatened by Hunter with a tell all book about his dads crimes if he didn’t pardon him Biden’s press secretary, Karine Jean Pierre has said over and over again Hunter would not be pardoned. Now today she said several times this was political war, blamed Trump and said Biden had to do it, but wasn’t it Biden’s DOJ going soft on Hunter that still kept finding crime after crime after crime? President Trump was disappointed but called on Biden to also pardon and free everyone involved in January 6th. Colorado Governor Jared Polis attacked Biden for 'putting his family ahead of the country' and setting 'a bad precedent that could be abused by later Presidents.' Clearly, he had Trump in mind. Greg Stanton, a Democratic congressman from Arizona, said: 'I respect President Biden but I think he got this one wrong. This wasn't a politically-motivated prosecution. Hunter committed felonies and was convicted by a jury of his peers' Is Biden really covering for Biden and will he eventually pardon himself before Trump takes office? Will Joe’s brother James be pardoned since he’s also an major part of this foreign business deals grift? I’m going to put a link to your articles, your x and your book The Big Guy so people can read about the Biden crime family.
    0 Comments 0 Shares 512 Views
  • Ep 3515b - [DS] Pushing WWIII While Their World Is Collapsing,Patriot Gloves Are Coming Off,Soon!!!
    https://www.bitchute.com/video/23OJ0SM4eo6x
    Biden's pardon of Hunter is already backfiring. Biden set another precedent, exposed the DOJ corruption and positioned the patriots to bring people in his orbit to justice. The [DS] is fighting back as their world is collapsing. They are pushing WWIII very hard, they are panicking over the picks Trump is making. Scavino and Trump send a message. The traitors will be brought to justice, the gloves are coming off.

    Ep 3515b - [DS] Pushing WWIII While Their World Is Collapsing,Patriot Gloves Are Coming Off,Soon!!! https://www.bitchute.com/video/23OJ0SM4eo6x Biden's pardon of Hunter is already backfiring. Biden set another precedent, exposed the DOJ corruption and positioned the patriots to bring people in his orbit to justice. The [DS] is fighting back as their world is collapsing. They are pushing WWIII very hard, they are panicking over the picks Trump is making. Scavino and Trump send a message. The traitors will be brought to justice, the gloves are coming off.
    WWW.BITCHUTE.COM
    Ep 3515b - [DS] Pushing WWIII While Their World Is Collapsing,Patriot Gloves Are Coming Off,Soon!!!
    🔥Help Make Rooms Toasty Warm With The Ultra Air Heater: 🔥 http://staywarmnow.com Get Up To 60% OFF Click Here ^^^ Biden's pardon of Hunter is already backfiring. Biden set another precedent, exposed the DOJ corruption and positioned the patriots to bring people in his orbit to justice. The [DS] is fighting back as their world is collapsing. They are pushing WWIII very hard, they are panicking over the picks Trump is making. Scavino and Trump send a message. The traitors will be brought to justice, the gloves are coming off. Gear up with the Field Emergency Kit today Use Code Rumblesale For
    0 Comments 0 Shares 283 Views
  • https://medforth.org/neustadt-marburg-biedenkopf-bartiger-asylbewerber-soll-zwei-12-jahrige-madchen-mit-messer-bedroht-haben/
    https://medforth.org/neustadt-marburg-biedenkopf-bartiger-asylbewerber-soll-zwei-12-jahrige-madchen-mit-messer-bedroht-haben/
    0 Comments 0 Shares 65 Views

  • Zalma's Insurance Fraud Letter - December 1, 2024

    ZIFL Volume 28 No. 22

    Post 4939

    Read the full article at Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdfand at https://zalma.com/blog.

    Subscribe to ZIFL at https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D

    The Source for the Insurance Fraud Professional https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the following articles about insurance fraud:

    The EUO is a Material Condition Precedent
    A Key Tool in the Effort to Reduce Fraud
    Claim Properly Denied for Refusal to Testify at EUO

    I spoke recently at the Conference of the Southern California Fraud Investigators Association on the Examination Under Oath as a tool to help insureds prove their losses and what happens when an insured fails or refuses to testify. This case emphasizes the purpose of my talk.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Thanksgiving Wishes from the Zalma Family

    My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children.

    After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    More McClenny Moseley & Associates Issues

    This is ZIFL’s thirty eighth installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges may be criminal to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Ethical Behavior & Insurance

    Insurance, from the time of its first agreement to the present day has always been a business requiring ethical behavior between the insurer and the insured and between the insured and the insurer.

    The concept of ethical behavior refers to well-founded standards of right and wrong that prescribe what humans ought to do, usually in terms of rights, obligations, benefits to society, fairness, or specific virtues, all of which are essential to the lawyer.

    Ethics refers to those standards that impose the reasonable obligations to refrain from murder, rape, theft, assault, slander, and fraud. Ethical standards also include those that imply virtues of honesty, compassion, and loyalty.

    There are rights presumed to exist such as those described in the Declaration of Independence submitted to King George of England in 1776 that held:

    We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of happiness.

    The unalienable rights also include the right to life, the right to freedom from injury, and the right to liberty. Such standards are adequate standards of ethics because they are supported by consistent and well-founded reasons.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Health Insurance Fraud Convictions

    Michigan Woman Convicted of $1.4M Health Care Kickback Scheme

    Mary Smettler-Bolton, 71, of Oakland County, Michigan was convicted November 22, 2024 for her role in a conspiracy to defraud the United States and receive illegal health care kickbacks.

    According to court documents and evidence presented at trial, Mary referred Medicare beneficiaries to several Metro Detroit home health companies in exchange for hundreds of thousands of dollars in kickbacks paid by the owners and operators of the home health companies. Over the course of four years, she and her co-conspirators caused over $1.4 million of loss to Medicare.

    Smettler-Bolton was convicted of one count of conspiracy to defraud the United States and receive illegal health care kickbacks and one count of violating the federal Anti-Kickback Statute. She is scheduled to be sentenced on March 3, 2025, and faces a maximum penalty of five years in prison on the conspiracy count and a maximum penalty of 10 years in prison on the kickback count. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors.

    Read the full article about dozens more convictions at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Convictions of Other Than Health Insurance Fraud

    Creative Fraudster Guilty of $229K Insurance Fraud Schemes

    Justin Mack, a native of Buffalo, New York, and a resident of Cleveland, Ohio, was sentenced on November 25, 2024 in the Cuyahoga County Court of Common Pleas. Mack, an Ohio man was sentenced to five years in prison and ordered to pay restitution for filing 24 fraudulent claims with multiple insurance companies, totaling more than $229,000.

    An extensive investigation uncovered Mack’s pattern of submitting altered documentation, falsified claims, and using other people’s identities to fraudulently secure payouts from multiple insurance companies.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    The Examination Under Oath Is Not Part of a Judicial Process

    Although the EUO is a formal proceeding it is not part of a judicial process nor is it subject to the rules set out by codes of civil procedure. There is no right to object to questions and never a judge present to rule on the objections. The testimony at the EUO is required to be presented in accordance with the obligation imposed on an insured to deal fairly and in good faith with the insurer.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Barry Zalma

    Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome. Write to Mr. Zalma at [email protected]; https://www.zalma.com; https://zalma.com/blog. He publishes daily articles at https://zalma.substack.com, Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ to consider more than 50 volumes written by Barry Zalma on insurance and insurance claims handling.

    Go to Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ and GTTR at https://gettr.com/@zalma
    Zalma's Insurance Fraud Letter - December 1, 2024 ZIFL Volume 28 No. 22 Post 4939 Read the full article at Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdfand at https://zalma.com/blog. Subscribe to ZIFL at https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D The Source for the Insurance Fraud Professional https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the following articles about insurance fraud: The EUO is a Material Condition Precedent A Key Tool in the Effort to Reduce Fraud Claim Properly Denied for Refusal to Testify at EUO I spoke recently at the Conference of the Southern California Fraud Investigators Association on the Examination Under Oath as a tool to help insureds prove their losses and what happens when an insured fails or refuses to testify. This case emphasizes the purpose of my talk. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Thanksgiving Wishes from the Zalma Family My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children. After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf More McClenny Moseley & Associates Issues This is ZIFL’s thirty eighth installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges may be criminal to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Ethical Behavior & Insurance Insurance, from the time of its first agreement to the present day has always been a business requiring ethical behavior between the insurer and the insured and between the insured and the insurer. The concept of ethical behavior refers to well-founded standards of right and wrong that prescribe what humans ought to do, usually in terms of rights, obligations, benefits to society, fairness, or specific virtues, all of which are essential to the lawyer. Ethics refers to those standards that impose the reasonable obligations to refrain from murder, rape, theft, assault, slander, and fraud. Ethical standards also include those that imply virtues of honesty, compassion, and loyalty. There are rights presumed to exist such as those described in the Declaration of Independence submitted to King George of England in 1776 that held: We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of happiness. The unalienable rights also include the right to life, the right to freedom from injury, and the right to liberty. Such standards are adequate standards of ethics because they are supported by consistent and well-founded reasons. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Health Insurance Fraud Convictions Michigan Woman Convicted of $1.4M Health Care Kickback Scheme Mary Smettler-Bolton, 71, of Oakland County, Michigan was convicted November 22, 2024 for her role in a conspiracy to defraud the United States and receive illegal health care kickbacks. According to court documents and evidence presented at trial, Mary referred Medicare beneficiaries to several Metro Detroit home health companies in exchange for hundreds of thousands of dollars in kickbacks paid by the owners and operators of the home health companies. Over the course of four years, she and her co-conspirators caused over $1.4 million of loss to Medicare. Smettler-Bolton was convicted of one count of conspiracy to defraud the United States and receive illegal health care kickbacks and one count of violating the federal Anti-Kickback Statute. She is scheduled to be sentenced on March 3, 2025, and faces a maximum penalty of five years in prison on the conspiracy count and a maximum penalty of 10 years in prison on the kickback count. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors. Read the full article about dozens more convictions at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Convictions of Other Than Health Insurance Fraud Creative Fraudster Guilty of $229K Insurance Fraud Schemes Justin Mack, a native of Buffalo, New York, and a resident of Cleveland, Ohio, was sentenced on November 25, 2024 in the Cuyahoga County Court of Common Pleas. Mack, an Ohio man was sentenced to five years in prison and ordered to pay restitution for filing 24 fraudulent claims with multiple insurance companies, totaling more than $229,000. An extensive investigation uncovered Mack’s pattern of submitting altered documentation, falsified claims, and using other people’s identities to fraudulently secure payouts from multiple insurance companies. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf The Examination Under Oath Is Not Part of a Judicial Process Although the EUO is a formal proceeding it is not part of a judicial process nor is it subject to the rules set out by codes of civil procedure. There is no right to object to questions and never a judge present to rule on the objections. The testimony at the EUO is required to be presented in accordance with the obligation imposed on an insured to deal fairly and in good faith with the insurer. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Barry Zalma Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome. Write to Mr. Zalma at [email protected]; https://www.zalma.com; https://zalma.com/blog. He publishes daily articles at https://zalma.substack.com, Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ to consider more than 50 volumes written by Barry Zalma on insurance and insurance claims handling. Go to Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ and GTTR at https://gettr.com/@zalma
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    German trial opens over alleged Islamist Sweden attack plot – DW – 11/15/2024
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  • Appear for a Scheduled EUO or Lose

    Failure to Honor Conditions Precedent Voids Coverage in New York

    Post 4937

    Read the full article at https://www.linkedin.com/pulse/appear-scheduled-euo-lose-barry-zalma-esq-cfe-gvkec/, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts.

    State Farm contended that it is entitled to summary judgment because of the failure to appear for examination under oath (EUO) by multiple defendants. State Farm contended that timely notices were properly mailed to the Claimants who failed to appear.

    In State Farm Mutual Automobile Insurance Company v. Alford A. Smith, M.D., et al, 2024 NY Slip Op 33802(U), Index No. 155607/2020, Motion Seq. No. 003, Supreme Court, New York County, Appellate Division (October 24, 2024) court ruled in favor of State Farm.

    The Supreme Court of New York County ORDERED that the plaintiff, State Farm Mutual Automobile Insurance Company’s (“State Farm/Plaintiff’), motion for summary judgment was GRANTED against defendants, Alford A. Smith, M.D., P.C., and the multiple other defendants who are doctors, chiropractors and other health services, (hereinafter collectively (“The Defendants”).

    FACTS

    The Supreme Court found that the EUO scheduling letters were timely requested and claimants failed to appear at that EUO. The documentary evidence showed that plaintiff sent the EUO scheduling letters to the claimants within 15 business days of receiving the prescribed verification forms as required by New York statute.

    FRAUD, FAILURE TO APPEAR FOR EUO & FAILURE TO SIGN TRANSCRIPT ARE BREACHES OF MATERIAL CONDITION PRECEDENT

    The Appellate Division upheld the Supreme Court’s ruling that the failure to appear for an EUO that was requested in a timely fashion by the insurer is a breach of a condition precedent to coverage and voids the policy ab initio. In addition, although claimant Griselda Torres unlike the other defendants, appeared for her EUO, Torres failed to return a subscribed copy of her EUO transcript.

    State Farm properly and effectively argued that appearing for and testifying at EUO and returning the transcripts of the EUO are conditions precedent to coverage and failure to sign and return the transcript warranted a denial of the claims.

    State Farm demonstrated in its motion and supporting evidence that multiple claimants breached a condition precedent to coverage by failing to appear for properly noticed EUOs on two separate occasions. Furthermore, claimant Griselda Torres’ failure to subscribe and return the transcript of her EUOsviolated a condition precedent to coverage and warranted denial of the claims.

    Moreover, there was nothing on the Court’s record to suggest that the scheduled EUOs were not justified, nor held at a place and time that was not reasonably convenient to the defendants.

    CONCLUSION

    State Farm’s motion seeking summary judgment in its favor was GRANTED as to THE multiple defendants and it was further ORDERED that any requested relief sought not expressly addressed herein has nonetheless been considered; and it was further ORDERED that the case shall continue against the remaining defendants; and it was further ORDERED that within 30 days of entry, plaintiff shall serve a copy of this decision/order upon the defendants with notice of entry.

    ZALMA OPINION

    The defendants in this case were doctors, physicians, chiropractors and other health care providers who billed State Farm for services provided to people who were injured in automobile accidents and assigned their rights to the providers who tried to collect their billings without complying with the EUO condition. They all lost their claims because they refused to appear except one defendant who appeared but failed to sign the transcript of the EUO and return it to State Farm. They all lost their claims and State Farm will continue its actions against many more defendants not subject to the motion.

    (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
    Appear for a Scheduled EUO or Lose Failure to Honor Conditions Precedent Voids Coverage in New York Post 4937 Read the full article at https://www.linkedin.com/pulse/appear-scheduled-euo-lose-barry-zalma-esq-cfe-gvkec/, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. State Farm contended that it is entitled to summary judgment because of the failure to appear for examination under oath (EUO) by multiple defendants. State Farm contended that timely notices were properly mailed to the Claimants who failed to appear. In State Farm Mutual Automobile Insurance Company v. Alford A. Smith, M.D., et al, 2024 NY Slip Op 33802(U), Index No. 155607/2020, Motion Seq. No. 003, Supreme Court, New York County, Appellate Division (October 24, 2024) court ruled in favor of State Farm. The Supreme Court of New York County ORDERED that the plaintiff, State Farm Mutual Automobile Insurance Company’s (“State Farm/Plaintiff’), motion for summary judgment was GRANTED against defendants, Alford A. Smith, M.D., P.C., and the multiple other defendants who are doctors, chiropractors and other health services, (hereinafter collectively (“The Defendants”). FACTS The Supreme Court found that the EUO scheduling letters were timely requested and claimants failed to appear at that EUO. The documentary evidence showed that plaintiff sent the EUO scheduling letters to the claimants within 15 business days of receiving the prescribed verification forms as required by New York statute. FRAUD, FAILURE TO APPEAR FOR EUO & FAILURE TO SIGN TRANSCRIPT ARE BREACHES OF MATERIAL CONDITION PRECEDENT The Appellate Division upheld the Supreme Court’s ruling that the failure to appear for an EUO that was requested in a timely fashion by the insurer is a breach of a condition precedent to coverage and voids the policy ab initio. In addition, although claimant Griselda Torres unlike the other defendants, appeared for her EUO, Torres failed to return a subscribed copy of her EUO transcript. State Farm properly and effectively argued that appearing for and testifying at EUO and returning the transcripts of the EUO are conditions precedent to coverage and failure to sign and return the transcript warranted a denial of the claims. State Farm demonstrated in its motion and supporting evidence that multiple claimants breached a condition precedent to coverage by failing to appear for properly noticed EUOs on two separate occasions. Furthermore, claimant Griselda Torres’ failure to subscribe and return the transcript of her EUOsviolated a condition precedent to coverage and warranted denial of the claims. Moreover, there was nothing on the Court’s record to suggest that the scheduled EUOs were not justified, nor held at a place and time that was not reasonably convenient to the defendants. CONCLUSION State Farm’s motion seeking summary judgment in its favor was GRANTED as to THE multiple defendants and it was further ORDERED that any requested relief sought not expressly addressed herein has nonetheless been considered; and it was further ORDERED that the case shall continue against the remaining defendants; and it was further ORDERED that within 30 days of entry, plaintiff shall serve a copy of this decision/order upon the defendants with notice of entry. ZALMA OPINION The defendants in this case were doctors, physicians, chiropractors and other health care providers who billed State Farm for services provided to people who were injured in automobile accidents and assigned their rights to the providers who tried to collect their billings without complying with the EUO condition. They all lost their claims because they refused to appear except one defendant who appeared but failed to sign the transcript of the EUO and return it to State Farm. They all lost their claims and State Farm will continue its actions against many more defendants not subject to the motion. (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
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  • EUO is a Material Condition Precedent

    Claim Properly Denied for Refusal to Testify at EUO

    Post 4936

    Read the full article at https://www.linkedin.com/pulse/euo-material-condition-precedent-barry-zalma-esq-cfe-exccc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts.

    See the full video at and at

    Erin Hughes appealed from the grant of summary judgment in favor of defendant and respondent Farmers Insurance Exchange (Farmers) on her causes of action for breach of contract and bad faith arising after Farmers’ denial of Hughes’s property insurance claim because she refused to testify at a second examination under oath (EUO).

    In Erin Hughes v. Farmers Insurance Exchange, B331168, California Court of Appeals (November 8, 2024) the condition precedent was enforced.

    FACTUAL BACKGROUND

    Hughes is the owner of real property in Malibu (the property). In December 2020, Hughes obtained an insurance policy to cover the property for fire loss through the California FAIR Plan Association (FAIR Plan). Also in December 2020, Hughes obtained a homeowner’s insurance policy from Farmers to cover perils other than fire, including losses due to theft (the policy).

    One month later, in January 2021, the property sustained significant fire damage. Hughes contacted Farmers, which advised her that fire loss was not covered by her Farmers policy, and she would have to pursue any such claim through her FAIR Plan policy. Unhappy, on January 21, 2021, Hughes tendered a theft claim under the Farmers policy, asserting in excess of $2 million worth of personal property was stolen from the property.

    Farmers ultimately denied the claim on January 5, 2022, on the ground that Hughes failed to cooperate with Farmers’ investigation, including by failing to participate in a second examination under oath as required by the policy.
    Hughes’s Complaint Against Farmers

    One week after the denial of her claim, Hughes sued Farmers and alleged Farmers demanded “duplicative, onerous and/or unnecessary” documentation of stolen items. Further, she alleged Farmers subjected her to “two confrontational, accusatory and grueling examinations under oath.” Hughes alleged her second examination under oath had been “suspended due to [her] medical condition,” but Farmers disregarded her condition and demanded a third examination.

    Farmers’ Motion for Summary Judgment

    Farmers moved for summary judgment contending it properly denied Hughes’s theft claim based on her failure to cooperate with Farmers’ investigation of her claim as well as her material misrepresentations in obtaining the Farmers policy.

    In May 2021, as part of Farmers’ theft claim investigation, Hughes participated in an examination under oath. During the examination, Hughes’s counsel informed the Farmers attorney he had just sent more than 40 additional receipts that the attorney would be receiving shortly. Recognizing they would not have time to go through the new items that day and the examination would need to continue on a future date, the Farmers attorney proposed “continu[ing] to work with one another to identify what’s missing.” In response, Hughes and her counsel agreed, with Hughes stating she would be happy to get “every single thing that you need and I’ll send it to my attorney right away.”

    In October 2021, a second session of the examination under oath was held regarding documentation Hughes had produced during and after the first session. Hughes appeared remotely with counsel and before any questions were asked of her, she objected to a further examination.

    Hughes accused the Farmers attorney of interrogating her “like a fucking criminal” and stated, “if you want to take my deposition . . . you are going to take a second deposition in court, and that’s going to be a formal deposition.” Hughes’s remote connection then cut out, and her counsel indicated she would not proceed with the examination.

    Farmers informed Hughes that it was denying coverage based on her failure to cooperate with Farmers’ investigation and particularly her refusal to proceed with the second examination under oath.
    Trial Court’s Grant of Summary Judgment and Denial of Hughes’s Continuance Request and Motion for New Trial

    The trial court granted summary judgment in favor of Farmers. Noting an insurer has “an absolute right” to require the insured to submit to an examination under oath “as long as the insurer exercises the right reasonably,” the court determined Hughes had not shown Farmers acted unreasonably. The court concluded summary judgment was appropriate “based solely on failure to cooperate.”

    DISCUSSION

    The trial court properly concluded there was no genuine dispute that Hughes’s failure to participate in an examination under oath constituted a material breach of the policy; accordingly, Farmers was excused from having to pay on Hughes’s claim. The right to require the insured to submit to an examination under oath concerning all proper subjects of inquiry is reasonable as a matter of law.

    An insured’s compliance with a policy requirement to submit to an examination under oath is a prerequisite to the right to receive benefits under the policy.
    Because Hughes refused to cooperate with Farmers’ investigation by participating in and completing her examination under oath, she cannot establish her own performance under the policy.
    Breach of Implied Covenant Claim

    The implied covenant of good faith and fair dealing is based on general contract law and the long-standing rule that neither party will do anything which will injure the right of the other to receive the benefits of the agreement. Hughes’s claim for bad faith fails as a matter of law.

    ZALMA OPINION

    Wildfires tend to destroy everything. That is why insurers are unwilling to write fire insurance in Malibu and other areas prone to wildfires and obtain fire insurance from the Fair Plan, an organization designed to cover uninsurable risks. Because of the destruction done by a wildfire or a dwelling fire a $2 million dollar theft loss after a fire is questionable and a good reason to take a thorough EUO. Farmers tried to do so and Hughes refused without reason after admitting she left open much investigation elements at the agreed conclusion of the first session and an agreement to a second only to refuse.

    (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
    EUO is a Material Condition Precedent Claim Properly Denied for Refusal to Testify at EUO Post 4936 Read the full article at https://www.linkedin.com/pulse/euo-material-condition-precedent-barry-zalma-esq-cfe-exccc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. See the full video at and at Erin Hughes appealed from the grant of summary judgment in favor of defendant and respondent Farmers Insurance Exchange (Farmers) on her causes of action for breach of contract and bad faith arising after Farmers’ denial of Hughes’s property insurance claim because she refused to testify at a second examination under oath (EUO). In Erin Hughes v. Farmers Insurance Exchange, B331168, California Court of Appeals (November 8, 2024) the condition precedent was enforced. FACTUAL BACKGROUND Hughes is the owner of real property in Malibu (the property). In December 2020, Hughes obtained an insurance policy to cover the property for fire loss through the California FAIR Plan Association (FAIR Plan). Also in December 2020, Hughes obtained a homeowner’s insurance policy from Farmers to cover perils other than fire, including losses due to theft (the policy). One month later, in January 2021, the property sustained significant fire damage. Hughes contacted Farmers, which advised her that fire loss was not covered by her Farmers policy, and she would have to pursue any such claim through her FAIR Plan policy. Unhappy, on January 21, 2021, Hughes tendered a theft claim under the Farmers policy, asserting in excess of $2 million worth of personal property was stolen from the property. Farmers ultimately denied the claim on January 5, 2022, on the ground that Hughes failed to cooperate with Farmers’ investigation, including by failing to participate in a second examination under oath as required by the policy. Hughes’s Complaint Against Farmers One week after the denial of her claim, Hughes sued Farmers and alleged Farmers demanded “duplicative, onerous and/or unnecessary” documentation of stolen items. Further, she alleged Farmers subjected her to “two confrontational, accusatory and grueling examinations under oath.” Hughes alleged her second examination under oath had been “suspended due to [her] medical condition,” but Farmers disregarded her condition and demanded a third examination. Farmers’ Motion for Summary Judgment Farmers moved for summary judgment contending it properly denied Hughes’s theft claim based on her failure to cooperate with Farmers’ investigation of her claim as well as her material misrepresentations in obtaining the Farmers policy. In May 2021, as part of Farmers’ theft claim investigation, Hughes participated in an examination under oath. During the examination, Hughes’s counsel informed the Farmers attorney he had just sent more than 40 additional receipts that the attorney would be receiving shortly. Recognizing they would not have time to go through the new items that day and the examination would need to continue on a future date, the Farmers attorney proposed “continu[ing] to work with one another to identify what’s missing.” In response, Hughes and her counsel agreed, with Hughes stating she would be happy to get “every single thing that you need and I’ll send it to my attorney right away.” In October 2021, a second session of the examination under oath was held regarding documentation Hughes had produced during and after the first session. Hughes appeared remotely with counsel and before any questions were asked of her, she objected to a further examination. Hughes accused the Farmers attorney of interrogating her “like a fucking criminal” and stated, “if you want to take my deposition . . . you are going to take a second deposition in court, and that’s going to be a formal deposition.” Hughes’s remote connection then cut out, and her counsel indicated she would not proceed with the examination. Farmers informed Hughes that it was denying coverage based on her failure to cooperate with Farmers’ investigation and particularly her refusal to proceed with the second examination under oath. Trial Court’s Grant of Summary Judgment and Denial of Hughes’s Continuance Request and Motion for New Trial The trial court granted summary judgment in favor of Farmers. Noting an insurer has “an absolute right” to require the insured to submit to an examination under oath “as long as the insurer exercises the right reasonably,” the court determined Hughes had not shown Farmers acted unreasonably. The court concluded summary judgment was appropriate “based solely on failure to cooperate.” DISCUSSION The trial court properly concluded there was no genuine dispute that Hughes’s failure to participate in an examination under oath constituted a material breach of the policy; accordingly, Farmers was excused from having to pay on Hughes’s claim. The right to require the insured to submit to an examination under oath concerning all proper subjects of inquiry is reasonable as a matter of law. An insured’s compliance with a policy requirement to submit to an examination under oath is a prerequisite to the right to receive benefits under the policy. Because Hughes refused to cooperate with Farmers’ investigation by participating in and completing her examination under oath, she cannot establish her own performance under the policy. Breach of Implied Covenant Claim The implied covenant of good faith and fair dealing is based on general contract law and the long-standing rule that neither party will do anything which will injure the right of the other to receive the benefits of the agreement. Hughes’s claim for bad faith fails as a matter of law. ZALMA OPINION Wildfires tend to destroy everything. That is why insurers are unwilling to write fire insurance in Malibu and other areas prone to wildfires and obtain fire insurance from the Fair Plan, an organization designed to cover uninsurable risks. Because of the destruction done by a wildfire or a dwelling fire a $2 million dollar theft loss after a fire is questionable and a good reason to take a thorough EUO. Farmers tried to do so and Hughes refused without reason after admitting she left open much investigation elements at the agreed conclusion of the first session and an agreement to a second only to refuse. (c) 2024 Barry Zalma & ClaimSchool, Inc. 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