• TOM HORN : The Ruthless Cowboy..
    Tom Horn's journey was so surprising and sometimes even frightening that he inspired the character of Red Dead Redemption, one of the best-selling video games of all time. His life was also portrayed in the cinema by Steve McQueen and David Carradine.
    TOM HORN : The Ruthless Cowboy.. Tom Horn's journey was so surprising and sometimes even frightening that he inspired the character of Red Dead Redemption, one of the best-selling video games of all time. His life was also portrayed in the cinema by Steve McQueen and David Carradine.
    0 Commentaires 1 Parts 47 Vue
  • What is BitLife?

    BitLife is a captivating mobile game that lets you experience the intricacies of life in a fun and interactive way. Also known as a life simulation game, BitLife allows players to make choices that shape their avatar's life, including education, career paths, relationships, and even legal issues. Every decision you make leads to unique outcomes, ensuring that no two lives are alike!

    How to Play BitLife: A Step-by-Step Guide

    Creating Your Character

    First things first: you’ll need to create your character! Upon launching the app, you’ll be guided through the character creation process. You can select various attributes such as gender, nationality, and even region. Want to start your life in Italy or the U.S.? The choice is yours! The diverse backgrounds contribute to the authenticity and fun of the game.

    Navigating the Life Stages

    Once you've created your character, the game progresses through various life stages—from baby to toddler, childhood, adolescence, and adulthood. As you age, you’ll receive opportunities and challenges that reflect real-life scenarios (minus the stress!).

    For instance, you may be faced with school activities, friendships, or family dynamics. Engage in various activities such as studying hard in school, making friends, or getting involved in sports. Each choice will affect your character in the future!

    Making Choices with Consequences

    BitLife’s core mechanic revolves around making choices. Will you pursue higher education or drop out of school? Should you focus on becoming a doctor, or is a life of crime more appealing? Each decision has a ripple effect on your character’s happiness, health, and wealth.

    Feel adventurous? You can also choose to engage in risky behavior. Sneak out of the house, try substances, or start a fight at school! Just remember, every action has consequences—risk management is part of the fun!

    Building Relationships

    One of the most exciting aspects of BitLife is the opportunity to build relationships. You can make friends, date, and even start a family. The game allows you to choose your path—will you be a devoted spouse or have countless affairs?

    Don’t forget about your relationships with family members! Like in real life, maintaining a healthy bond with your parents and siblings can shape your character's happiness.

    Pursuing a Career

    As you transition into adulthood, it’s time to select a career! The options are endless—from becoming an artist to a lawyer. You can also take on side hustles to earn extra cash! Don’t shy away from exploring different career routes; with the right choices, you’ll climb the career ladder in no time. But beware! If you neglect your career, you may end up struggling financially.

    Life Challenges and Events

    Life isn’t just about choices—it's also filled with unpredictable events! You might experience exciting life milestones, such as getting a promotion or having a child, along with challenges like bankruptcy or breakups. The game keeps you on your toes with random events that add a layer of realism and excitement.

    Achieving Your Goals

    Every player has their own unique goals in BitLife. Do you want to die with a net worth of a million dollars? Or maybe you dream of being an influential public figure? The beauty of BitLife lies in its versatility—set your goals and navigate through the ups and downs to achieve them.

    Conclusion: Experience Life Differently with BitLife!

    BitLife isn't just a game; it's a chance to immerse yourself in the complexities of life without the risks. With endless choices, thrilling challenges, and unpredictable events, you can live out fantasies or simply enjoy the unusual roads your character may take. Ready to dive into a life filled with possibilities? Join the millions who have embraced this thrilling journey and see where your choices lead you!

    So, what are you waiting for? Download BitLife today and start crafting the story of your life, one decision at a time. The adventure awaits, and it promises to be anything but ordinary!

    https://bitlifefree.io/
    What is BitLife? BitLife is a captivating mobile game that lets you experience the intricacies of life in a fun and interactive way. Also known as a life simulation game, BitLife allows players to make choices that shape their avatar's life, including education, career paths, relationships, and even legal issues. Every decision you make leads to unique outcomes, ensuring that no two lives are alike! How to Play BitLife: A Step-by-Step Guide Creating Your Character First things first: you’ll need to create your character! Upon launching the app, you’ll be guided through the character creation process. You can select various attributes such as gender, nationality, and even region. Want to start your life in Italy or the U.S.? The choice is yours! The diverse backgrounds contribute to the authenticity and fun of the game. Navigating the Life Stages Once you've created your character, the game progresses through various life stages—from baby to toddler, childhood, adolescence, and adulthood. As you age, you’ll receive opportunities and challenges that reflect real-life scenarios (minus the stress!). For instance, you may be faced with school activities, friendships, or family dynamics. Engage in various activities such as studying hard in school, making friends, or getting involved in sports. Each choice will affect your character in the future! Making Choices with Consequences BitLife’s core mechanic revolves around making choices. Will you pursue higher education or drop out of school? Should you focus on becoming a doctor, or is a life of crime more appealing? Each decision has a ripple effect on your character’s happiness, health, and wealth. Feel adventurous? You can also choose to engage in risky behavior. Sneak out of the house, try substances, or start a fight at school! Just remember, every action has consequences—risk management is part of the fun! Building Relationships One of the most exciting aspects of BitLife is the opportunity to build relationships. You can make friends, date, and even start a family. The game allows you to choose your path—will you be a devoted spouse or have countless affairs? Don’t forget about your relationships with family members! Like in real life, maintaining a healthy bond with your parents and siblings can shape your character's happiness. Pursuing a Career As you transition into adulthood, it’s time to select a career! The options are endless—from becoming an artist to a lawyer. You can also take on side hustles to earn extra cash! Don’t shy away from exploring different career routes; with the right choices, you’ll climb the career ladder in no time. But beware! If you neglect your career, you may end up struggling financially. Life Challenges and Events Life isn’t just about choices—it's also filled with unpredictable events! You might experience exciting life milestones, such as getting a promotion or having a child, along with challenges like bankruptcy or breakups. The game keeps you on your toes with random events that add a layer of realism and excitement. Achieving Your Goals Every player has their own unique goals in BitLife. Do you want to die with a net worth of a million dollars? Or maybe you dream of being an influential public figure? The beauty of BitLife lies in its versatility—set your goals and navigate through the ups and downs to achieve them. Conclusion: Experience Life Differently with BitLife! BitLife isn't just a game; it's a chance to immerse yourself in the complexities of life without the risks. With endless choices, thrilling challenges, and unpredictable events, you can live out fantasies or simply enjoy the unusual roads your character may take. Ready to dive into a life filled with possibilities? Join the millions who have embraced this thrilling journey and see where your choices lead you! So, what are you waiting for? Download BitLife today and start crafting the story of your life, one decision at a time. The adventure awaits, and it promises to be anything but ordinary! https://bitlifefree.io/
    BITLIFEFREE.IO
    BitLife Free - Life Simulator Game | Play Online
    Play BitLife online - the #1 life simulator where anything is possible! Create drama, get rich, or find love. Ready for your next life? Play BitLife unblocked now!
    0 Commentaires 0 Parts 231 Vue
  • Episode 2 - Jonathan Otto's “Disease In Reverse” ENCORE – Now Available For Free Viewing Through Wednesday, December 18th, at 5 pm Pacific Time

    https://terrylclark.substack.com/p/episode-2-jonathan-ottos-disease
    Episode 2 - Jonathan Otto's “Disease In Reverse” ENCORE – Now Available For Free Viewing Through Wednesday, December 18th, at 5 pm Pacific Time https://terrylclark.substack.com/p/episode-2-jonathan-ottos-disease
    0 Commentaires 0 Parts 45 Vue

  • The Ranger: The Guy With A Gun In A Knife Fight
    A lot of people are calling the Ranger the strongest class in the sport, and whilst this is a chunk of an exaggeration, there may be some reality to these claims. The Ranger has absurd ranged harm with bows in combination with their Perks, super vicinity-denial options with bear traps and Quick-Shot, and even innate restoration with Rations. An archer elegance with get entry to to infinite arrows in a sport in which both the protective and evasive alternatives are sparse is certainly terrifying. Everyone having guns in Escape from Tarkov was one thing, but this is completely distinctive.

    This is exactly why the Ranger works nicely in solo play. Even the most veteran Dark and Darker players still get hit by AI enemies from time to time, but the Ranger's combat loop basically gets rid of that threat. Plus, towards actual gamers, a nicely-placed Ranger can easily fight and win against a three-character squad unmarried-handedly. And, even though their combatants do manage to close the space, Rangers can use their innate movement speed and endure traps to outrun and frustrate their pursuers before finishing them off with a bolt as quickly as they permit their guards down.

    The Fighter: A True Swiss Army Knife Class
    Where Rangers are a brilliant solo elegance because of their overall utility in areas, ranged fight and pace, Fighters are properly solo instructions because of their widespread software in all areas. Fighters have proper health, true defense, desirable offense, appropriate survivability, top Perks, proper Skills, and are simply all-round pretty excellent. However, be aware how none of their aspects are described as 'notable' or 'outstanding'.

    Yes, Fighters are accurate at maximum things, however they may be not clearly the 'high-quality' at some thing in exchange. Their average melee damage is not as right as a Barbarian's, they may be no longer nearly as speedy as a Rogue or Ranger, and that they don't have access to Spells like a Cleric or Wizard does. But, for a solo player, a properly-geared Fighter (each in terms of armor and weapons) will provide them the overall maximum chance of survival against the odds. Now, Fighters can not without problems 1v3 an enemy group, but they will typically stay lengthy sufficient to try to and have the best risk of dwelling to try to escape if they can't.

    The Cleric: Tons Of Healing In A Game Where Healing Is Sparse
    And sooner or later, there are Clerics. In wellknown Clerics are excellent solo training for a lot of the identical motives Fighters are. Their offense isn't horrible, their defense is respectable, and that they also can use a protect. But, in which the Cleric excels solely is of their basic survivability and PvE software. Clerics have a mess of spells that deal damage to undead which include Holy Light and their Holy Purification Skill. Not simplest that, but they may be also able to maintain themselves alive plenty longer on common than every other elegance might by the usage of each Lesser Heal and Holy Light.

    That said, while Clerics are accurate for solo gamers, they still shine the brightest when in a crew due to the fact they are able to heal their harm sellers mid-combat and even revive teammates with a spell. But for anyone simply trying to play on their very own and survive towards enemy squads, a Cleric is a pretty good elegance desire.

    Why Not Barbarian Or Rogue?
    And ultimately, it need to be stated that each Barbarian and Rogue can work in solo play, they can even dominate in the proper hands. In fact, with how regularly players see Rogues jogging round by themselves, it'd appear peculiar not to have them on here. But, in phrases of their standard playstyle and available Skills/Perks, Barbarians and Rogues simply war more in solo vs squad play than the other instructions do.

    A Barbarian's slow interaction velocity, sluggish motion speed, and overall awkward weapon hitboxes make it hard to chase or break out enemy gamers. Meanwhile, the Rogue can sneak up on a player without difficulty or even melt them before they have a hazard to react relying on what number of stabs they get in, but in the event that they get hit even as soon as, they're essentially completed for. They're just lessons that shine so much extra in a group scenario that it would be a chunk silly to simplest use them in solo play.

    The Fighter in Dark in Darker is largely the Mario-type person in Super Smash Bros Ultimate of this recreation if that makes sense. It's the elegance alternative gamers select to analyze the game earlier than moving directly to the extra robotically unique training. Or, rather, they grow to be sticking with it and coming across the man or woman or class' internal complexities. It's the Ryu from Street Fighter or the Sol Badguy of Guilty Gear, just to provide a few different examples.

    But, as absolutely everyone who has 'principal'ed' any of those characters in fighting video games will say, just because it's the 'starter' man or woman does not mean that it's horrific, simple, or clean to grasp. So, allow's smash down the Fighter in Dark and Darker and pass over its standard construct.
    All servers of Dark and Darker Gold Coins on MMOexp.com.
    The Ranger: The Guy With A Gun In A Knife Fight A lot of people are calling the Ranger the strongest class in the sport, and whilst this is a chunk of an exaggeration, there may be some reality to these claims. The Ranger has absurd ranged harm with bows in combination with their Perks, super vicinity-denial options with bear traps and Quick-Shot, and even innate restoration with Rations. An archer elegance with get entry to to infinite arrows in a sport in which both the protective and evasive alternatives are sparse is certainly terrifying. Everyone having guns in Escape from Tarkov was one thing, but this is completely distinctive. This is exactly why the Ranger works nicely in solo play. Even the most veteran Dark and Darker players still get hit by AI enemies from time to time, but the Ranger's combat loop basically gets rid of that threat. Plus, towards actual gamers, a nicely-placed Ranger can easily fight and win against a three-character squad unmarried-handedly. And, even though their combatants do manage to close the space, Rangers can use their innate movement speed and endure traps to outrun and frustrate their pursuers before finishing them off with a bolt as quickly as they permit their guards down. The Fighter: A True Swiss Army Knife Class Where Rangers are a brilliant solo elegance because of their overall utility in areas, ranged fight and pace, Fighters are properly solo instructions because of their widespread software in all areas. Fighters have proper health, true defense, desirable offense, appropriate survivability, top Perks, proper Skills, and are simply all-round pretty excellent. However, be aware how none of their aspects are described as 'notable' or 'outstanding'. Yes, Fighters are accurate at maximum things, however they may be not clearly the 'high-quality' at some thing in exchange. Their average melee damage is not as right as a Barbarian's, they may be no longer nearly as speedy as a Rogue or Ranger, and that they don't have access to Spells like a Cleric or Wizard does. But, for a solo player, a properly-geared Fighter (each in terms of armor and weapons) will provide them the overall maximum chance of survival against the odds. Now, Fighters can not without problems 1v3 an enemy group, but they will typically stay lengthy sufficient to try to and have the best risk of dwelling to try to escape if they can't. The Cleric: Tons Of Healing In A Game Where Healing Is Sparse And sooner or later, there are Clerics. In wellknown Clerics are excellent solo training for a lot of the identical motives Fighters are. Their offense isn't horrible, their defense is respectable, and that they also can use a protect. But, in which the Cleric excels solely is of their basic survivability and PvE software. Clerics have a mess of spells that deal damage to undead which include Holy Light and their Holy Purification Skill. Not simplest that, but they may be also able to maintain themselves alive plenty longer on common than every other elegance might by the usage of each Lesser Heal and Holy Light. That said, while Clerics are accurate for solo gamers, they still shine the brightest when in a crew due to the fact they are able to heal their harm sellers mid-combat and even revive teammates with a spell. But for anyone simply trying to play on their very own and survive towards enemy squads, a Cleric is a pretty good elegance desire. Why Not Barbarian Or Rogue? And ultimately, it need to be stated that each Barbarian and Rogue can work in solo play, they can even dominate in the proper hands. In fact, with how regularly players see Rogues jogging round by themselves, it'd appear peculiar not to have them on here. But, in phrases of their standard playstyle and available Skills/Perks, Barbarians and Rogues simply war more in solo vs squad play than the other instructions do. A Barbarian's slow interaction velocity, sluggish motion speed, and overall awkward weapon hitboxes make it hard to chase or break out enemy gamers. Meanwhile, the Rogue can sneak up on a player without difficulty or even melt them before they have a hazard to react relying on what number of stabs they get in, but in the event that they get hit even as soon as, they're essentially completed for. They're just lessons that shine so much extra in a group scenario that it would be a chunk silly to simplest use them in solo play. The Fighter in Dark in Darker is largely the Mario-type person in Super Smash Bros Ultimate of this recreation if that makes sense. It's the elegance alternative gamers select to analyze the game earlier than moving directly to the extra robotically unique training. Or, rather, they grow to be sticking with it and coming across the man or woman or class' internal complexities. It's the Ryu from Street Fighter or the Sol Badguy of Guilty Gear, just to provide a few different examples. But, as absolutely everyone who has 'principal'ed' any of those characters in fighting video games will say, just because it's the 'starter' man or woman does not mean that it's horrific, simple, or clean to grasp. So, allow's smash down the Fighter in Dark and Darker and pass over its standard construct. All servers of Dark and Darker Gold Coins on MMOexp.com.
    0 Commentaires 0 Parts 223 Vue
  • There Is No Defense For What They Do
    In a world where we have been duped into believing that everyone’s individual truth must be accepted and embraced, even at the expense of facts and reality, I suppose the statement “there is no defense for what they do,” could apply to many people, entities, and organizations. But as the virtue-signaling globalist Left in the United States continues to turn a blind eye to the lethal dangers streaming by the tens of thousands over our open borders each month, it’s time to over-state the blatantly obvious.

    There is no defense, no rationale, no excuse for the US federal government–as well as the many state, county, and local governments–to do absolutely nothing to thwart and, in fact, facilitate, in many cases, the entry into our Republic of criminal gangs from Venezuela, El Salvador, and Mexico. With every passing day, they embed themselves into our country like roaches in a tenement building.

    This is not about extending a benevolent hand to Third World downtrodden in an effort to help them live better. This is about well-financed and organized criminal gangs–aided by foe governments to the United States–strategically rooting themselves in our country to occupy and profiteer from their chosen trades: Drug and human trafficking through the use of obscene and horrific uses of violence.
    https://rumble.com/v5xq77w-there-is-no-defense-for-what-they-do.html
    There Is No Defense For What They Do In a world where we have been duped into believing that everyone’s individual truth must be accepted and embraced, even at the expense of facts and reality, I suppose the statement “there is no defense for what they do,” could apply to many people, entities, and organizations. But as the virtue-signaling globalist Left in the United States continues to turn a blind eye to the lethal dangers streaming by the tens of thousands over our open borders each month, it’s time to over-state the blatantly obvious. There is no defense, no rationale, no excuse for the US federal government–as well as the many state, county, and local governments–to do absolutely nothing to thwart and, in fact, facilitate, in many cases, the entry into our Republic of criminal gangs from Venezuela, El Salvador, and Mexico. With every passing day, they embed themselves into our country like roaches in a tenement building. This is not about extending a benevolent hand to Third World downtrodden in an effort to help them live better. This is about well-financed and organized criminal gangs–aided by foe governments to the United States–strategically rooting themselves in our country to occupy and profiteer from their chosen trades: Drug and human trafficking through the use of obscene and horrific uses of violence. https://rumble.com/v5xq77w-there-is-no-defense-for-what-they-do.html
    0 Commentaires 0 Parts 160 Vue
  • (admin) I remember when most items we use every day were made in the United States. We were sold out by politicians who were influenced to ship our jobs out of the country. Now we have a homeless and careerless problem because of it. Its time to fix the problem.

    Gerald Celente: Trump Victory! Polls Show Happier Days Are Here Again
    https://www.bitchute.com/video/ksZqXWWI2nAh/?list=notifications&randomize=false
    (admin) I remember when most items we use every day were made in the United States. We were sold out by politicians who were influenced to ship our jobs out of the country. Now we have a homeless and careerless problem because of it. Its time to fix the problem. Gerald Celente: Trump Victory! Polls Show Happier Days Are Here Again https://www.bitchute.com/video/ksZqXWWI2nAh/?list=notifications&randomize=false
    WWW.BITCHUTE.COM
    Gerald Celente: Trump Victory! Polls Show Happier Days Are Here Again
    Gerald Celente hosts the final hour of the Alex Jones Show. **Alex Jones VIP Club Save 10%-40% off everything at The Alex Jones Store while getting $40.00 FREE store credit every month! Learn more HERE! https://thealexjonesstore.com/products/alex-jones-vip-club-copy?selling_plan=5497979099 LOOK>>** https://thealexjonesstore.com/collections/best-sellers 🚨>>NEW WEBSITE FOR ALEX JONES CONTENT!! https://alexjones.network/ 🚨>>(NEW) https://x.com/AJNlive 𝕏 >>ALEX JONES ON X https://x.com/RealAlexJones 🚨>>(NEW) ALEX JONES TRUCK GIVEAWAY #2 https://promo.thealexjonesstore.com/enter-now 🚨** https://drjonesnaturals.com/ - SAVE INFOWARS!! BUY NOW!! 🚨** https://thealexjonesstore.com/ - Huge Deals Going On Now!! 💰 URGENT! Keep Alex Jones in the fight!! https://www.givesendgo.com/alexjoneswasright 👉 DAILY LIVE STREAM>>> https://www.infowars.com/show/ 🚨 https://thealexjonesstore.com/products/trump-on-a-stump-christmas-figurine 🚨
    0 Commentaires 0 Parts 76 Vue

  • Falsely Claiming to Be an Insurer Can be Criminal

    To Sue for Business Disparagement Evidence is Required

    Post 4951, Posted on December 17, 2024 by Barry Zalma

    Read the full article at https://www.linkedin.com/pulse/falsely-claiming-insurer-can-criminal-barry-zalma-esq-cfe-3bwrc, see the full video at and at and at https://zalma.com/blog plus more than 4950 posts.

    See the full video at and at

    Plaintiff Route App, Inc.’s (“Route”) moved the USDC to Dismiss two counterclaims asserted by OrderProtection.com, Inc. (“OrderProtection”). In Route App, Inc. v. Orderprotection.Com, Inc.; Julian Wilson, et al, No. 2:23cv606 DAK, United States District Court, D. Utah (December 9, 2024) found no evidence supporting a claim of business disparagement or business defamation.

    BACKGROUND

    This case involves a dispute between Route, a post-purchase shipping insurance provider, and a competitor, OrderProtection. In its Complaint, Route alleges that OrderProtection and several of Route’s former employees misappropriated trade secrets to create a competing business. In response to Route’s Complaint, OrderProtection filed an Answer and Counterclaims, asserting four causes of action: (1) Unfair Competition in Violation of the Lanham Act; (2) Defamation Per Se/Defamation/Business Disparagement; (3) Tortious Interference with Existing and Prospective Economic Relations; and (4) Negligent Misrepresentation.

    The facts pertaining to OrderProtection’s claim for “Defamation/Defamation Per Se/Business Disparagement” are essentially that Route employees have allegedly told OrderProtection customers and potential customers that they should work with Route instead of OrderProtection because Route is a “legal insurance provider” and OrderProtection is not.

    OrderProtection argued that Route is not a licensed insurance company and that, at best, Route affiliates with an insurance producer to procure its own insurance coverage (which does not benefit customers or merchants). More importantly both Route and OrderProtection in essence both self-fund the warranty protection they provide, and thus a customer is no better off with Route’s protection package than with OrderProtection’s competitive offering.
    DISCUSSION

    Specifically, while OrderProtection’s Opposition Memorandum does not explicitly state that it conceded its defamation and defamation per se claims, OrderProtection never addresses Route’s argument that it could not properly maintain these causes of action in the context of this case.

    Even if OrderProtection had not conceded these claims, it failed to establish that these claims are viable in the context of this case. Further, OrderProtection made no argument that Utah law recognizes a “hybrid” cause of action for “Defamation Per Se/Defamation/Business Disparagement,” wherein a business disparagement claim may be analyzed using defamation or defamation per se case law rather than case law pertaining to a business disparagement claim.

    Business Disparagement

    The parties agree that to state a claim for business disparagement (sometimes called injurious falsehood), OrderProtection must allege (1) falsity of the statement made; (2) malice by the party making the statement; and (3) special damages. According to Route, while OrderProtection has made allegations of lost customers, it has not named specific individuals, nor has it alleged with particularity any financial losses, which is required under Rule 9(b) of the Federal Rules of Civil Procedure.

    The court declined to recognize a “business disparagement per se” cause of action in which special damages need not be alleged, and it declined to recognize a business disparagement claim that relies on a statement that is “false by implication,” which is a concept that has been recognized in defamation cases.

    Route’s Motion to Dismiss was granted and OrderProtection’s claims for defamation and defamation per se were dismissed with prejudice. Its claim for business disparagement was dismissed without prejudice, and OrderProtection may file a Motion for Leave to Amend by January 10, 2025, if it is able to allege a proper business disparagement claim, as discussed above.

    ZALMA OPINION

    Two businesses claiming to be issuers of insurance who were not licensed insurers claimed to be victims of disparagement by the other. Customers, because of the various claims shifted from one party to the other who, contrary to their claims, were self funding what they alleged was insurance of shipments of goods. The court in a Solomon-like decision ignored the fact that both claimed to be insurers when they were not and used the false claims to take over clients. Both lost and the court gave OrderProtection the attempt to state a business disparagement claim implying that the court did not believe OrderProtection would be able to plead a viable cause of action.

    The State of Utah Department of Insurance should consider this case.

    (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
    Falsely Claiming to Be an Insurer Can be Criminal To Sue for Business Disparagement Evidence is Required Post 4951, Posted on December 17, 2024 by Barry Zalma Read the full article at https://www.linkedin.com/pulse/falsely-claiming-insurer-can-criminal-barry-zalma-esq-cfe-3bwrc, see the full video at and at and at https://zalma.com/blog plus more than 4950 posts. See the full video at and at Plaintiff Route App, Inc.’s (“Route”) moved the USDC to Dismiss two counterclaims asserted by OrderProtection.com, Inc. (“OrderProtection”). In Route App, Inc. v. Orderprotection.Com, Inc.; Julian Wilson, et al, No. 2:23cv606 DAK, United States District Court, D. Utah (December 9, 2024) found no evidence supporting a claim of business disparagement or business defamation. BACKGROUND This case involves a dispute between Route, a post-purchase shipping insurance provider, and a competitor, OrderProtection. In its Complaint, Route alleges that OrderProtection and several of Route’s former employees misappropriated trade secrets to create a competing business. In response to Route’s Complaint, OrderProtection filed an Answer and Counterclaims, asserting four causes of action: (1) Unfair Competition in Violation of the Lanham Act; (2) Defamation Per Se/Defamation/Business Disparagement; (3) Tortious Interference with Existing and Prospective Economic Relations; and (4) Negligent Misrepresentation. The facts pertaining to OrderProtection’s claim for “Defamation/Defamation Per Se/Business Disparagement” are essentially that Route employees have allegedly told OrderProtection customers and potential customers that they should work with Route instead of OrderProtection because Route is a “legal insurance provider” and OrderProtection is not. OrderProtection argued that Route is not a licensed insurance company and that, at best, Route affiliates with an insurance producer to procure its own insurance coverage (which does not benefit customers or merchants). More importantly both Route and OrderProtection in essence both self-fund the warranty protection they provide, and thus a customer is no better off with Route’s protection package than with OrderProtection’s competitive offering. DISCUSSION Specifically, while OrderProtection’s Opposition Memorandum does not explicitly state that it conceded its defamation and defamation per se claims, OrderProtection never addresses Route’s argument that it could not properly maintain these causes of action in the context of this case. Even if OrderProtection had not conceded these claims, it failed to establish that these claims are viable in the context of this case. Further, OrderProtection made no argument that Utah law recognizes a “hybrid” cause of action for “Defamation Per Se/Defamation/Business Disparagement,” wherein a business disparagement claim may be analyzed using defamation or defamation per se case law rather than case law pertaining to a business disparagement claim. Business Disparagement The parties agree that to state a claim for business disparagement (sometimes called injurious falsehood), OrderProtection must allege (1) falsity of the statement made; (2) malice by the party making the statement; and (3) special damages. According to Route, while OrderProtection has made allegations of lost customers, it has not named specific individuals, nor has it alleged with particularity any financial losses, which is required under Rule 9(b) of the Federal Rules of Civil Procedure. The court declined to recognize a “business disparagement per se” cause of action in which special damages need not be alleged, and it declined to recognize a business disparagement claim that relies on a statement that is “false by implication,” which is a concept that has been recognized in defamation cases. Route’s Motion to Dismiss was granted and OrderProtection’s claims for defamation and defamation per se were dismissed with prejudice. Its claim for business disparagement was dismissed without prejudice, and OrderProtection may file a Motion for Leave to Amend by January 10, 2025, if it is able to allege a proper business disparagement claim, as discussed above. ZALMA OPINION Two businesses claiming to be issuers of insurance who were not licensed insurers claimed to be victims of disparagement by the other. Customers, because of the various claims shifted from one party to the other who, contrary to their claims, were self funding what they alleged was insurance of shipments of goods. The court in a Solomon-like decision ignored the fact that both claimed to be insurers when they were not and used the false claims to take over clients. Both lost and the court gave OrderProtection the attempt to state a business disparagement claim implying that the court did not believe OrderProtection would be able to plead a viable cause of action. The State of Utah Department of Insurance should consider this case. (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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