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

DENNIS SHOULDA SHUT THE FRICK UP!! You know... I respect an honest man! But when speaking to #Police you are NOT "being honest" you are being victimized! You are "making statements" that could land you in prison under our "Maritime Admiralty Law" #Slave system! If you are a "bootlicker" or "Police Supporter" YOU WON'T BE AFTER THEY SEND YOU TO PRISON FOR A DECADE OF YOUR LIFE! At the same time.... DON'T BE FIRING A WEAPON INTO THE AIR! Especially in a residential area! While I'm not opposed to shooting down a spying drone..... You must know that it's like a "government" device if it's not your neighbor (Standing outside flying it) So if you are going to shoot the thing down, use a shotgun from cover! https://old.bitchute.com/video/kzxxFxQpOt4/

VIDEO - DO NOT EXPECT HONEST NEWS FROM AMERICA'S MAIN STREAM MEDIA, THIS IS FROM AUSTRALIAN TV (CLICK ON THE LINK, NOT ON THE PHOTO)-----> https://wimkin.com/video/play/438093

This ONE WORD Can Send You To Jail In The USA! Let's be honest here.... You can BS your friends, and I'll BS mine, but in a country where #Police are NEVER HELD ACCOUNTABLE FOR THEIR #CRIMINAL ACTIONS, you can go to jail for ANYTHING at ANY TIME! It matters not if it's "legal" or illegal... Because the criminal cop will never be jailed for his crimes, so WHY NOT COMMIT THEM? WHY NOT unlawfully arrest EVERY AMERICAN??? There will be NO ACCOUNTABILITY, no criminal charges, and no financial penalty! The Police actually have an INCENTIVE to break the law... Which is "I won't be punished for it, so WHY NOT?" These scumbags should die in a jail cell.... But instead they'll continue locking innocent Americans in cages And will NEVER be held accountable! So "What the court rules" is irreverent They don't follow the law... and "the courts" don't uphold the law! The ONLY THING that you can count on is that Police are ABOVE THE LAW just like the black robed priests of the #BAR and Politicians! ONLY YOU are subjected to these "laws" which are really just CORPORATE POLICIES ( Statutes and Codes ) It's a JOKE! Our "Court System" is worse than a banana republic! Calling them a banana republic is an insult to banana republics everywhere! https://www.youtube.com/watch?v=TxQz0163lXQ

The bottom line is that #Police are more #Violent and more #Corrupt than ANY #Criminal in the United States! It is truly RARE to find a criminal that is as dishonest, violent, and eager to harm other people, as is your average Police Officer! These people support a CULTURE OF VIOLENCE, corruption, and cover ups! And it's NOT "One or two bad apples" as you are told! The ENTIRE BUSHEL is rotten to the core It looks like the scumbag cop that beat up the guy with cerebral palsy made national news THANKS TO JOHN, at the Civil Rights Lawyer! Thanks John! I hope your platform GROWS ENORMOUS! EVERY POLICE DEPARTMENT IN AMERICA IS JUST AS CORRUPT AS THIS ONE, AND EVERY ONE OF THEM NEED TO BE PROSECUTED BY NON-GOVERNMENT PERSONNEL WHO WILL ACTUALLY PROSECUTE THE CRIMES! "Prosecutors" NEVER file charges against Police Officers.... And they certainly NEVER PROSECUTE POLICE UNDER THE APPROPRIATE STATUTE! Which would be TITLE 18 U.S.C. § 241 Conspiracy Against Rights AND 18 U.S.C. § 242 Deprivation of Rights Under Color of Law This is FEDERAL LAW! Yet Police are NEVER HELD ACCOUNTABLE for their Criminal actions under these federal statutes because FEDERAL PROSECUTORS refuse to file the charges, making them COMPLICIT in both the crime itself, and in the COVER UP of that crime! You want to know WHY POLICE ARE CORRUPT??? You need not look any further than this FACT! And on a side note.... ANY FEDERAL PROSECUTOR who does not file these charges when there is clear and compelling EVIDENCE of the crimes against Americans by Police.... THAT FEDERAL PROSECUTOR NEEDS TO BE CHARGED UNDER TITLE 18 U.S.C. § 241 and 18 U.S.C. § 242 right alongside of the police officer guilty of the crime, AS AN ACCOMPLICE. These prosecutors are literally "aiding and abetting" the crimes! https://www.nbcnews.com/news/us-news/video-phoenix-police-using-taser-punching-deaf-man-cerebral-palsy-scru-rcna175305

11 CROOKED COPS BUSTED BY 1 VIDEO | POLICE CHIEF RESIGNS | OFFICER INDICTED EVERY COP IS A "CROOKED COP" Because the honest ones are quickly corrupted OR they'll be fired to protect the rest of the #Criminal force! I would call them "Jackboot THUG #Pigs" But to be honest.... The swine of this world are not as bad as cops are! It would literally be an insult to the PIGS! And hey.... If #Trump wins, he wants to MAKE CERTAIN that none of these #Criminals are ever HELD ACCOUNTABLE! He's okay with CRIMINALS as long as they wear blue costumes https://old.bitchute.com/video/IsAwRAbP9ak/

https://t.me/davidavocadowolfe/144553 The media is so unbelievably dishonest. Last night, Trump said Liz Cheney wouldn’t be such a war hawk if SHE were the one who had to face gunfire in battle. Today, the entire media is saying Trump said Liz Cheney should face a firing squad. Watch the clip and then look at the Fake News headlines. This is exactly why Trump calls them the Enemy of the People. All they do is lie and poison the minds of easily manipulated sheep. They’re desperate. If Trump wins, it’s over for them. https://x.com/patri0tcontr0l/status/1852356970751066238?s=46&t=yH_YwZotlm6m-dfwNvYx3Q

So.... You say "We NEED "government" to maintain law and order" Where does "Law and Order" come from? The #Criminals who call themselves #Police??? That is a joke! Do you know the REAL JOB OF POLICE??? It is to protect the #Pedophiles, thieves, and murderers FROM THE PEOPLE! If we did not have Police there WOULD BE "Law and Order" If you are a pedophile and touch my child I kill you... There is nobody who will "Arrest me for it" If you poison 6 billion people with lethal injections, those people hunt you down and inject YOU with your own poison! PROBLEM SOLVED But as it stands, the "Police" who enforce that "Law and Order" you speak of, they exist to PROTECT THE CRIMINALS! And to be quite honest, in nearly all cases.... Police themselves ARE THE CRIMINALS! Except they are criminals who WILL NEVER FACE JUSTICE! Just like the Politicians and Bill Gates, Pfizer and the rest, they are a "PROTECTED CLASS OF CRIMINALS" that Police, the courts, and all of "government" WILL protect from ever facing the justice they deserve! The old west was an anarchy FREE PEOPLE wore pistols on their hip and handled business Those same people hired a sheriff to aid them in this.... If he became corrupt those same people could FIRE HIM AT WILL For ANY REASON and without a long drawn out, BS process and waste of time Police and government exist for ONE REASON! That is to keep YOU a #Slave who pays them 1/2 of every dollar you earn and to PROTECT THE CRIMINALS FROM YOU! Because personally, If I would not end up in prison for it.... I'd be out there GETTING SOME "LAW & ORDER" I'd be speaking to some scumbags who are responsible for poisoning half of the planet! I would not be anyone's slave either! Nor would I be forced to pay worthless criminals half of my paycheck! Government Explained https://www.youtube.com/watch?v=EUS1m5MSt9k

Markets Overvalued by 150% as Dishonest Metrics Hide the Coming 'Catastrophic' Collapse: Dave Collum

HONEST REVIEW Of Gerber’s Bear Grillis Ultimate Survival knife: #OTHERendOfThe$pectrum #WHYallTheH8 https://youtu.be/5ZOZTAg2hQw?si=BaG5gaW2KNVh8c0b