• WARNING! SATANISTS ARE PREPARING TO OPEN UP THEIR OWN PUBLIC SCHOOLS!

    https://old.bitchute.com/video/6tXuWmVIOw7F/
    WARNING! SATANISTS ARE PREPARING TO OPEN UP THEIR OWN PUBLIC SCHOOLS! https://old.bitchute.com/video/6tXuWmVIOw7F/
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  • House & Senate Republicans working together stopped Democrats from passing hundreds of bills in lameduck, including the following:
    -$25 billion of new pension debt
    -Drivers licenses for illegal aliens
    -Garbage, water, sewer & rain taxes
    -Subsidies for Hollywood elites
    -National Popular Vote
    -Ranked Choice Voting
    -Eliminate charter schools
    -Early release violent felons
    -Eliminate cash bonds for violent felons
    -Prohibit 80% of Michigan construction workers from working on public works projects
    -Making it near impossible to redevelop brownfields
    -Venezuela style price & rent control
    -Toll Roads
    -Billions of new corporate welfare
    -$10m for tampons in boy bathrooms
    -$500 tax credit for e-bikes
    -Forcing libraries to carry porn
    -Call prostitution “commercial sex activity”
    -Double the cost for marriage license
    -$250m for GM to tear down the RenCen while they’re laying off thousands of workers
    -New gun bans & gun store/manufacturing liability
    -Increased fees to go hunting & fishing
    -Higher costs to employ workers
    -New payroll tax on workers
    -More government property & less private property
    -Shutting down rural & urban hospitals dealing with staff shortages
    -Unlimited lawsuits on small business
    -Higher auto insurance rates
    -Rulemaking authority to EGLE that would take away private property rights
    -Retail store licensure
    -Vape & flavor bans
    -Increasing the cost to install septic systems
    -A massive, partisan end of the year spending bill

    @MIGOP @MISenate @MI_Republicans @RepMattHall @SenAricNesbitt @FightLikeHall @NezzieTeam
    House & Senate Republicans working together stopped Democrats from passing hundreds of bills in lameduck, including the following: -$25 billion of new pension debt -Drivers licenses for illegal aliens -Garbage, water, sewer & rain taxes -Subsidies for Hollywood elites -National Popular Vote -Ranked Choice Voting -Eliminate charter schools -Early release violent felons -Eliminate cash bonds for violent felons -Prohibit 80% of Michigan construction workers from working on public works projects -Making it near impossible to redevelop brownfields -Venezuela style price & rent control -Toll Roads -Billions of new corporate welfare -$10m for tampons in boy bathrooms -$500 tax credit for e-bikes -Forcing libraries to carry porn -Call prostitution “commercial sex activity” -Double the cost for marriage license -$250m for GM to tear down the RenCen while they’re laying off thousands of workers -New gun bans & gun store/manufacturing liability -Increased fees to go hunting & fishing -Higher costs to employ workers -New payroll tax on workers -More government property & less private property -Shutting down rural & urban hospitals dealing with staff shortages -Unlimited lawsuits on small business -Higher auto insurance rates -Rulemaking authority to EGLE that would take away private property rights -Retail store licensure -Vape & flavor bans -Increasing the cost to install septic systems -A massive, partisan end of the year spending bill @MIGOP @MISenate @MI_Republicans @RepMattHall @SenAricNesbitt @FightLikeHall @NezzieTeam
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  • https://www.thegatewaypundit.com/2024/12/wisconsin-high-school-allows-biological-male-use-girls/
    https://www.thegatewaypundit.com/2024/12/wisconsin-high-school-allows-biological-male-use-girls/
    WWW.THEGATEWAYPUNDIT.COM
    Wisconsin High School Allows Biological Male to Use Girls' Locker Room - Boy Allegedly Stares at Girls, Exposes P*nis, Rubs Himself With Lotion to "Prevent Chafing" and Threatened to "Shoot up School" | The Gateway Pundit | by Jordan Conradson
    A Wisconsin high school faces mounting controversy as a biological male allegedly disrupts the girls' locker room, prompting serious concerns from parents and students alike. Discover the full story.
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  • My guess would be that Minnesota Governor Tim Walz would approve of this.
    https://thewashingtonstandard.com/university-of-minnesota-to-pay-children-to-play-with-trans-dolls-with-mix-and-match-genitals/
    I'm glad I don't have school age children.
    God Bless America, God Save The Republic.
    My guess would be that Minnesota Governor Tim Walz would approve of this. https://thewashingtonstandard.com/university-of-minnesota-to-pay-children-to-play-with-trans-dolls-with-mix-and-match-genitals/ I'm glad I don't have school age children. God Bless America, God Save The Republic.
    THEWASHINGTONSTANDARD.COM
    University of Minnesota to Pay Children to Play with Trans Dolls With Mix-and-Match Genitals - The Washington Standard
    Kids ages five to 10 were offered between $20 and $60 to play with “MyGender Dolls,” an Instagram post advertising the activity shows. Criminal and depraved. Cut all federal funding to these hellholes. Institutionalized sexual grooming of children. The University of Minnesota offered to pay children as young as five to play ...
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  • JUST IN: Parents at @WestoshaCHS in Wisconsin are outraged after learning that a boy identifying as a girl was reportedly using the girls' locker room to change, often exposing his p*nis and test*cles to girls. He also allegedly assaulted a girl when she told him to "put his d*ck away."

    After complaints, the boy was allegedly told not to enter the girls' locker room but he has since ignored that directive.

    This comes after Kenosha Unified School District voted to allow boys in girls' locker rooms.
    JUST IN: Parents at @WestoshaCHS in Wisconsin are outraged after learning that a boy identifying as a girl was reportedly using the girls' locker room to change, often exposing his p*nis and test*cles to girls. He also allegedly assaulted a girl when she told him to "put his d*ck away." After complaints, the boy was allegedly told not to enter the girls' locker room but he has since ignored that directive. This comes after Kenosha Unified School District voted to allow boys in girls' locker rooms.
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  • Urgent: MI Senate voting TODAY on a dangerous bill package that make elections less secure. Please contact your MI State Senator and share your thoughts and concerns on the bills below:

    Find and contact your State Senator HERE: https://senate.michigan.gov/FindYourSenator/

    → HB 6052: Serial (stub) numbers on top of ballots are one of the final barriers to absentee ballot vote fraud, yet 6052 eliminates the requirement for absentee ballots to to have tear-off serial numbers. Plus, it allows for on-demand printing, so counties can take over the voting processes from their local municipalities, with no absentee ballot numbering system to allow clerks to track how many ballots were issued or where they came from.

    → HB 6053 imposes a shortened window of for corrective action, allowing making complaints on polling places, drop box locations, early voting will be inadmissible less than 45 days before an election. Since absentee voting is already in progress during this time frame, remediation of problems will be less likely

    → HB 6055 assaults the authority of local clerks. It takes away local control of clerks to administer elections. Instead, 6055 requires a school district “coordinating committee...to designate the clerk responsible for the school district election.”

    → HB 5551 prohibits “an individual from being a member of the board of state canvassers” or “board of county canvassers if that individual has been convicted of an election-related offense” but does specify what such an offense looks like. Some are concerned this could be weaponized to keep good, qualified candidates away from the positions that verify and certify the integrity of our elections.

    These bills have already passed the House, and if passed by the Senate today, will head to the Governor’s desk for signature.

    #Michigan #Elections #Urgent #CurrentEvents #ElectionIntegrity #SecureElections #ProtectOurVotes #ActNow #TakeAction #Senate #House #MISenate #StandForTruth #YourVoiceMatters
    Urgent: MI Senate voting TODAY on a dangerous bill package that make elections less secure. Please contact your MI State Senator and share your thoughts and concerns on the bills below: Find and contact your State Senator HERE: https://senate.michigan.gov/FindYourSenator/ → HB 6052: Serial (stub) numbers on top of ballots are one of the final barriers to absentee ballot vote fraud, yet 6052 eliminates the requirement for absentee ballots to to have tear-off serial numbers. Plus, it allows for on-demand printing, so counties can take over the voting processes from their local municipalities, with no absentee ballot numbering system to allow clerks to track how many ballots were issued or where they came from. → HB 6053 imposes a shortened window of for corrective action, allowing making complaints on polling places, drop box locations, early voting will be inadmissible less than 45 days before an election. Since absentee voting is already in progress during this time frame, remediation of problems will be less likely → HB 6055 assaults the authority of local clerks. It takes away local control of clerks to administer elections. Instead, 6055 requires a school district “coordinating committee...to designate the clerk responsible for the school district election.” → HB 5551 prohibits “an individual from being a member of the board of state canvassers” or “board of county canvassers if that individual has been convicted of an election-related offense” but does specify what such an offense looks like. Some are concerned this could be weaponized to keep good, qualified candidates away from the positions that verify and certify the integrity of our elections. These bills have already passed the House, and if passed by the Senate today, will head to the Governor’s desk for signature. #Michigan #Elections #Urgent #CurrentEvents #ElectionIntegrity #SecureElections #ProtectOurVotes #ActNow #TakeAction #Senate #House #MISenate #StandForTruth #YourVoiceMatters
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  • IDF WAR CRIMES EXPOSED BY ISRAELI SOLDIERS – HAARETZ.

    #Israel's heroes kill children
    #Cowards and demonic #Criminals

    Of course speaking this #Truth makes you an "AntiSemite" according to the criminals themselves, who seek to make YOU the bad guy, by projecting their criminality onto you.... These #Zionist scum must have schooled Democrats on this tactic!

    Not that #Republicans are any better

    https://old.bitchute.com/video/LQlVqHHVjn8l/
    IDF WAR CRIMES EXPOSED BY ISRAELI SOLDIERS – HAARETZ. #Israel's heroes kill children #Cowards and demonic #Criminals Of course speaking this #Truth makes you an "AntiSemite" according to the criminals themselves, who seek to make YOU the bad guy, by projecting their criminality onto you.... These #Zionist scum must have schooled Democrats on this tactic! Not that #Republicans are any better https://old.bitchute.com/video/LQlVqHHVjn8l/
    OLD.BITCHUTE.COM
    IDF war crimes exposed by Israeli soldiers – Haaretz.
    IDF war crimes exposed by Israeli soldiers – Haaretz. on December 20th, 2024. As the death toll in Gaza continues to escalate, reports reveal horrifying accounts of indiscriminate killings of civilians by the IDF. An Israeli news outlet has publish…
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  • https://thewashingtonstandard.com/lawsuit-targets-purveyors-of-reading-quackery-in-schools/
    https://thewashingtonstandard.com/lawsuit-targets-purveyors-of-reading-quackery-in-schools/
    THEWASHINGTONSTANDARD.COM
    Lawsuit Targets Purveyors of Reading Quackery in Schools - The Washington Standard
    After decades of turning Americans into illiterates and giving young people artificially induced reading disabilities, lawsuits against purveyors of the quackery masquerading as “literacy education” are flying. In the crosshairs are “defective” and “deceptive” programs and self-proclaimed experts responsible for crippling millions of children. Perhaps the most significant legal action so ...
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  • The Best Segment i have ever watched for perspective on America since 1947 and the creation of the CIA. I referenced this in my book as the start of the problems in our modern republic. Well Worth your Time. This should be taught in schools. https://www.youtube.com/watch?v=Ks0l_Zpt1xA
    The Best Segment i have ever watched for perspective on America since 1947 and the creation of the CIA. I referenced this in my book as the start of the problems in our modern republic. Well Worth your Time. This should be taught in schools. https://www.youtube.com/watch?v=Ks0l_Zpt1xA
    0 Comments 0 Shares 150 Views

  • USAA Punished for it Claims Handling

    Punitive Damages Should be Awarded With Caution and Within Narrow Limits

    Read the full article at https://www.linkedin.com/pulse/usaa-punished-claims-handling-barry-zalma-esq-cfe-nbp2c, see the full video at and at and at https://zalma.com/blog plus more than 4950 posts.

    Posted on December 19, 2024 by Barry Zalma

    DISPUTE OVER HURRICANE DAMAGES RESULTS IN MAJOR PUNITIVE DAMAGES FOR BAD FAITH

    Although he Mississippi Supreme Court recognized the need to only award punitive damages with caution and within narrow limits, it did not limit its award in accordance with that maxim. After almost 19 years of litigation the last appeal resolved the various disputes.
    FACTS

    Hurricane Katrina destroyed Paul and Sylvia Minor’s home on August 29, 2005. The Minors had a homeowner’s insurance policy with United Services Automobile Association (USAA). The USAA policy covered damage caused by wind but excluded damage caused by storm surge or flood. The Minors reported their loss with USAA, which resulted in a years-long coverage dispute. USAA ultimately issued payments for damage it concluded was caused by wind but not for damage it concluded was caused by storm surge or flood.

    The Minors maintained that they suffered a total loss caused by wind and demanded that USAA pay the policy limits. The case proceeded to trial in 2013, and the jury awarded the Minors $1,547,293.37 in compensatory damages.

    In United Services Automobile Association v. Estate Of Sylvia F. Minor, Kathryn Minor and Stephen Minor, No. 2023-CA-00049-SCT, Supreme Court of Mississippi, En Banc (December 5, 2024) resolved the bad faith claims.

    The issue was ultimately presented to a jury. The jury awarded the Minors $10,000,000 in punitive damages and $457,858.89 in extra-contractual damages (solely attorneys’ fees). USAA appealed, raising several assignments of error.

    Trial

    To establish its bad faith claim, the Minor Estate introduced various USAA documents, including (1) portions of the USAA underwriting file; (2) the confidential email regarding (a) the engineer’s March 2006 findings and (b) Bergstrom’s conclusion that USAA would be responsible for paying for all the windows and the contents in rooms with windows; and (3) USAA’s letter to the Minors in June 2006 indicating the majority of damage was due to flooding.

    Punitive Damages

    Punitive damages are considered an ‘extraordinary remedy’ and should be awarded ‘with caution and within narrow limits.'” The Supreme Court found that the evidence presented at trial demonstrates a type of conduct for which punitive damages were designed. The Minor Estate provided sufficient proof that USAA acted in bad faith, with complete disregard for the Estate’s rights.

    Whether The $10 Million Punitive Damages Award Should Be Reversed Or, Alternatively, Reduced.

    USAA alternatively argues that the $10 million verdict should be reduced because it claims that the damages award is a 22:1 ratio and therefore unconstitutionally disproportionate to the extra-contractual damages awarded ($457,858.89). USAA relies on State Farm Mutual Auto Insurance Co. v. Campbell, 538 U.S. 408, 425, 123 S.Ct. 1513, 1524, 155 L.Ed.2d 585 (2003), which states that “[s]ingle-digit multipliers are more likely to comport with due process.” USAA argued that a 1:1 ratio should apply to the damages award here.

    The Supreme Court found that punitive damages is less than seven times the amount of compensatory damages, which it concluded clearly falls within the guideline provided in Campbell.

    A punitive damages award not only serves as a deterrent, it also compensates the plaintiff for its public service in bringing the action. The Supreme Court found the trial court’s decision to force the Minor Estate to use nearly half of its award to pay attorneys’ fees does not adequately compensate the Estate for bringing this action against USAA for its bad faith conduct in handling the Minors’ insurance claim from 2005. Therefore, the Supreme Court concluded that the trial court erred by denying the Estate’s post-trial motion for attorneys’ fees.

    CONCLUSION

    In sum, the trial judge did not err as a matter of law by submitting the issue of punitive damages to jury, and the $10 million award of punitive damages is not unconstitutionally disproportionate. The Supreme Court affirmed the jury verdict awarding the Minor Estate $10 million in punitive damages and $457,858.89 in extra-contractual damages as to attorneys’ fees and reverse the judgment of the trial court and render attorneys’ fees on behalf of the Estate in the amount of $4,500,000, plus post-judgment interest at an annual rate of 4 percent from October 3, 2022, the date of judgment, until paid.

    ZALMA OPINION

    This case that dragged on through the courts of Mississippi for 19 years and resulted in compensatory damages based upon an interpretation finding coverage for the estate and that the insurer’s conduct was so egregious that the estate was entitled to tort damages plus punitive damages many times more than the compensatory damages. The Supreme Court astonishingly concluded that punitive damages were not limited to punishing the insurer but were payment to the estate for its action on behalf of everyone in the state of Mississippi and that they should not be required to pay their lawyers but that payment should come from the insurer as part of its punishment. The Supreme Court ignored the fact that as a result the estate must pay income taxes on the punishment damages since they are not designed to make the insured whole and punished each member and insured of USAA.

    In my opinion it’s time the courts of the USA do away with the tort of bad faith to avoid excessive judgments and allow contract disputes to be enlarged into a major amount of punishment for an insurer who rejected a claim based on interpretation of contract terms and the facts of a loss, like this case. In that regard see my book, It’s Time to Abolish The Tort of Bad Faith Available as a paperback here. Available as a Kindle book here.

    (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
    USAA Punished for it Claims Handling Punitive Damages Should be Awarded With Caution and Within Narrow Limits Read the full article at https://www.linkedin.com/pulse/usaa-punished-claims-handling-barry-zalma-esq-cfe-nbp2c, see the full video at and at and at https://zalma.com/blog plus more than 4950 posts. Posted on December 19, 2024 by Barry Zalma DISPUTE OVER HURRICANE DAMAGES RESULTS IN MAJOR PUNITIVE DAMAGES FOR BAD FAITH Although he Mississippi Supreme Court recognized the need to only award punitive damages with caution and within narrow limits, it did not limit its award in accordance with that maxim. After almost 19 years of litigation the last appeal resolved the various disputes. FACTS Hurricane Katrina destroyed Paul and Sylvia Minor’s home on August 29, 2005. The Minors had a homeowner’s insurance policy with United Services Automobile Association (USAA). The USAA policy covered damage caused by wind but excluded damage caused by storm surge or flood. The Minors reported their loss with USAA, which resulted in a years-long coverage dispute. USAA ultimately issued payments for damage it concluded was caused by wind but not for damage it concluded was caused by storm surge or flood. The Minors maintained that they suffered a total loss caused by wind and demanded that USAA pay the policy limits. The case proceeded to trial in 2013, and the jury awarded the Minors $1,547,293.37 in compensatory damages. In United Services Automobile Association v. Estate Of Sylvia F. Minor, Kathryn Minor and Stephen Minor, No. 2023-CA-00049-SCT, Supreme Court of Mississippi, En Banc (December 5, 2024) resolved the bad faith claims. The issue was ultimately presented to a jury. The jury awarded the Minors $10,000,000 in punitive damages and $457,858.89 in extra-contractual damages (solely attorneys’ fees). USAA appealed, raising several assignments of error. Trial To establish its bad faith claim, the Minor Estate introduced various USAA documents, including (1) portions of the USAA underwriting file; (2) the confidential email regarding (a) the engineer’s March 2006 findings and (b) Bergstrom’s conclusion that USAA would be responsible for paying for all the windows and the contents in rooms with windows; and (3) USAA’s letter to the Minors in June 2006 indicating the majority of damage was due to flooding. Punitive Damages Punitive damages are considered an ‘extraordinary remedy’ and should be awarded ‘with caution and within narrow limits.'” The Supreme Court found that the evidence presented at trial demonstrates a type of conduct for which punitive damages were designed. The Minor Estate provided sufficient proof that USAA acted in bad faith, with complete disregard for the Estate’s rights. Whether The $10 Million Punitive Damages Award Should Be Reversed Or, Alternatively, Reduced. USAA alternatively argues that the $10 million verdict should be reduced because it claims that the damages award is a 22:1 ratio and therefore unconstitutionally disproportionate to the extra-contractual damages awarded ($457,858.89). USAA relies on State Farm Mutual Auto Insurance Co. v. Campbell, 538 U.S. 408, 425, 123 S.Ct. 1513, 1524, 155 L.Ed.2d 585 (2003), which states that “[s]ingle-digit multipliers are more likely to comport with due process.” USAA argued that a 1:1 ratio should apply to the damages award here. The Supreme Court found that punitive damages is less than seven times the amount of compensatory damages, which it concluded clearly falls within the guideline provided in Campbell. A punitive damages award not only serves as a deterrent, it also compensates the plaintiff for its public service in bringing the action. The Supreme Court found the trial court’s decision to force the Minor Estate to use nearly half of its award to pay attorneys’ fees does not adequately compensate the Estate for bringing this action against USAA for its bad faith conduct in handling the Minors’ insurance claim from 2005. Therefore, the Supreme Court concluded that the trial court erred by denying the Estate’s post-trial motion for attorneys’ fees. CONCLUSION In sum, the trial judge did not err as a matter of law by submitting the issue of punitive damages to jury, and the $10 million award of punitive damages is not unconstitutionally disproportionate. The Supreme Court affirmed the jury verdict awarding the Minor Estate $10 million in punitive damages and $457,858.89 in extra-contractual damages as to attorneys’ fees and reverse the judgment of the trial court and render attorneys’ fees on behalf of the Estate in the amount of $4,500,000, plus post-judgment interest at an annual rate of 4 percent from October 3, 2022, the date of judgment, until paid. ZALMA OPINION This case that dragged on through the courts of Mississippi for 19 years and resulted in compensatory damages based upon an interpretation finding coverage for the estate and that the insurer’s conduct was so egregious that the estate was entitled to tort damages plus punitive damages many times more than the compensatory damages. The Supreme Court astonishingly concluded that punitive damages were not limited to punishing the insurer but were payment to the estate for its action on behalf of everyone in the state of Mississippi and that they should not be required to pay their lawyers but that payment should come from the insurer as part of its punishment. The Supreme Court ignored the fact that as a result the estate must pay income taxes on the punishment damages since they are not designed to make the insured whole and punished each member and insured of USAA. In my opinion it’s time the courts of the USA do away with the tort of bad faith to avoid excessive judgments and allow contract disputes to be enlarged into a major amount of punishment for an insurer who rejected a claim based on interpretation of contract terms and the facts of a loss, like this case. In that regard see my book, It’s Time to Abolish The Tort of Bad Faith Available as a paperback here. Available as a Kindle book here. (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
    WWW.LINKEDIN.COM
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