• "Trained As A Spy At 10” - Sex Trafficking Survivor Anneke Lucas NAMES Her Billionaire Abusers
    1.1 million views Premiered Nov 25, 2024 PBD Podcast
    (David Rockefeller was an elite pedophile.)

    This intense and emotional interview with Patrick Bet-David and Anneke Lucas dives into shocking allegations surrounding global networks, human trafficking, and powerful elites.

    Anneke shares her harrowing story of survival, detailing claims of abuse, manipulation, and mind control within a hidden, dark system.

    This conversation sheds light on the disturbing realities of missing children, corruption, and the complex psychology of healing after unimaginable trauma.

    With names of prominent figures and institutions woven into her account, Anneke reveals a chilling perspective on the shadowy connections between wealth, power, and exploitation.

    Viewer discretion is advised as this discussion is deeply unsettling but profoundly important.
    https://rumble.com/v5tl3vq-trained-as-a-spy-at-10-sex-trafficking-survivor-anneke-lucas-names-her-bill.html
    "Trained As A Spy At 10” - Sex Trafficking Survivor Anneke Lucas NAMES Her Billionaire Abusers 1.1 million views Premiered Nov 25, 2024 PBD Podcast (David Rockefeller was an elite pedophile.) This intense and emotional interview with Patrick Bet-David and Anneke Lucas dives into shocking allegations surrounding global networks, human trafficking, and powerful elites. Anneke shares her harrowing story of survival, detailing claims of abuse, manipulation, and mind control within a hidden, dark system. This conversation sheds light on the disturbing realities of missing children, corruption, and the complex psychology of healing after unimaginable trauma. With names of prominent figures and institutions woven into her account, Anneke reveals a chilling perspective on the shadowy connections between wealth, power, and exploitation. Viewer discretion is advised as this discussion is deeply unsettling but profoundly important. https://rumble.com/v5tl3vq-trained-as-a-spy-at-10-sex-trafficking-survivor-anneke-lucas-names-her-bill.html
    0 Comments 0 Shares 917 Views
  • YOUR WORLD REINVENTED - OPEN YOUR EYES TO ALL THE LIES!

    5 years ago I would not have been capable of even imagining how effective #brainwashing is! But after you SNAP OUT of a
    mind-controlled state YOURSELF, it's much clearer how powerful mind-control can be!

    I've never been to a Hypnotherapist to be hypnotized!

    Just like most people, I was hypnotized, literally into a trance like state, by the #television and #radio and #school

    The etymology of the word "Entertain" is literally
    "To bind or hold" someone

    Check this out...
    "to keep up, maintain, to keep (someone) in a certain frame of mind,"

    There are hundreds of patents for using televisions and monitors to put your brain into a state of hypnosis... A TRANCE! A CHARM!

    See for yourself!

    entertain (v.)
    late 15c., "to keep up, maintain, to keep (someone) in a certain frame of mind," from Old French entretenir "hold together, stick together, support" (12c.), from entre- "among" (from Latin inter; see inter-) + tenir "to hold" (from Latin tenere, from PIE root *ten- "to stretch").
    Sense of "have a guest" is late 15c.; that of "gratify, amuse" is 1620s. Meaning "to allow (something) to consideration, take into the mind" (of opinions, notions, etc.) is 1610s. Related: Entertained; entertaining.
    also from late 15c.

    It is literally turning us all into NPC's!
    I awakened from the trance...
    But it is very difficult to awaken the people you love! Very difficult!

    And you risk destroying your relationship with the people you care about by trying to wake them up! But how can you not try???

    Folks... Trust me here... You CAN be put into a trance-like state by television and radio! Your mind can be very effectively programmed by these devices!

    Your reaction to new information is programmed into you right now! You'll say "Conspiracy Theory" or you'll call people stupid... But you'll REJECT the information (Just like I did)

    Until one day you humble yourself and actually LOOK INTO what people are telling you! In my case the Flat Earth guys were driving me crazy... So I sought to "Prove the #Globe" and shut them up!

    Next thing I know I realized THERE IS NO PROOF OF THE GLOBE!
    It's all just #Propaganda that has been hammered into your psyche by television, movies, and schools!

    I DARE YOU TO TRY TO PROVE THE GLOBE!

    Anyway, once you figure out that the bible is CORRECT & TRUE, and that you have been lied to your entire life, by everyone....
    Well... ALL of the other lies become quite clear to you!

    It's almost like "Waking up from a dream." It's quite traumatic!
    But once you go through that, you can clearly see through all of the other lies, which are being used to control your mind and keep you enslaved

    If you think I'm crazy, it just means you are still hypnotized!
    If you know exactly what I mean then YOU have already awakened!

    EVERY DAY I give thanks to my creator for opening my eyes!
    Which is a divine blessing, as well as a curse of sorts...

    Because nobody else believes the TRUTH you have learned, and that you try desperately to share with them! All that you can really do is attempt to ASK THE RIGHT QUESTIONS of them!


    SMHP always puts together a good, informative production!

    https://old.bitchute.com/video/aNlYxPOehXdc/
    YOUR WORLD REINVENTED - OPEN YOUR EYES TO ALL THE LIES! 5 years ago I would not have been capable of even imagining how effective #brainwashing is! But after you SNAP OUT of a mind-controlled state YOURSELF, it's much clearer how powerful mind-control can be! I've never been to a Hypnotherapist to be hypnotized! Just like most people, I was hypnotized, literally into a trance like state, by the #television and #radio and #school The etymology of the word "Entertain" is literally "To bind or hold" someone Check this out... "to keep up, maintain, to keep (someone) in a certain frame of mind," There are hundreds of patents for using televisions and monitors to put your brain into a state of hypnosis... A TRANCE! A CHARM! See for yourself! entertain (v.) late 15c., "to keep up, maintain, to keep (someone) in a certain frame of mind," from Old French entretenir "hold together, stick together, support" (12c.), from entre- "among" (from Latin inter; see inter-) + tenir "to hold" (from Latin tenere, from PIE root *ten- "to stretch"). Sense of "have a guest" is late 15c.; that of "gratify, amuse" is 1620s. Meaning "to allow (something) to consideration, take into the mind" (of opinions, notions, etc.) is 1610s. Related: Entertained; entertaining. also from late 15c. It is literally turning us all into NPC's! I awakened from the trance... But it is very difficult to awaken the people you love! Very difficult! And you risk destroying your relationship with the people you care about by trying to wake them up! But how can you not try??? Folks... Trust me here... You CAN be put into a trance-like state by television and radio! Your mind can be very effectively programmed by these devices! Your reaction to new information is programmed into you right now! You'll say "Conspiracy Theory" or you'll call people stupid... But you'll REJECT the information (Just like I did) Until one day you humble yourself and actually LOOK INTO what people are telling you! In my case the Flat Earth guys were driving me crazy... So I sought to "Prove the #Globe" and shut them up! Next thing I know I realized THERE IS NO PROOF OF THE GLOBE! It's all just #Propaganda that has been hammered into your psyche by television, movies, and schools! I DARE YOU TO TRY TO PROVE THE GLOBE! Anyway, once you figure out that the bible is CORRECT & TRUE, and that you have been lied to your entire life, by everyone.... Well... ALL of the other lies become quite clear to you! It's almost like "Waking up from a dream." It's quite traumatic! But once you go through that, you can clearly see through all of the other lies, which are being used to control your mind and keep you enslaved If you think I'm crazy, it just means you are still hypnotized! If you know exactly what I mean then YOU have already awakened! EVERY DAY I give thanks to my creator for opening my eyes! Which is a divine blessing, as well as a curse of sorts... Because nobody else believes the TRUTH you have learned, and that you try desperately to share with them! All that you can really do is attempt to ASK THE RIGHT QUESTIONS of them! SMHP always puts together a good, informative production! https://old.bitchute.com/video/aNlYxPOehXdc/
    OLD.BITCHUTE.COM
    Your World Reinvented - Open Your Eyes To All The Lies!
    ** If you appreciate this content and would like to help keep me going, please consider investing in this message. Every little bit helps. Thank you! Invest in SMHP / Independent Media. https://shakingmyheadproductions.com/support-shaking-my-head-pr…
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  • Zalma’s Insurance Fraud Letter September 15, 2024

    Zalma’s Insurance Fraud Letter

    A ClaimSchool™ Publication © 2024 Barry Zalma & ClaimSchool, Inc.

    Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkycVolume 28, Issue 21 – November 15, 2024

    “Honor, justice, and humanity, forbid us tamely to surrender that freedom which we received from our gallant ancestors, and which our innocent posterity have a right to receive from us. We cannot endure the infamy and guilt of resigning succeeding generations to that wretchedness which inevitably awaits them if we basely entail hereditary bondage on them.”

    Thomas Jefferson

    Insurance Fraud Requires Doctor to Lose his License

    Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License

    Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation.

    The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage.

    FACTS

    Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey.

    Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo.

    THE OAL HEARING

    At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.”

    Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed.

    THE ALJ’S DECISION

    The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.”

    On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.”

    The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees.

    Quartararo Argued

    The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation and resorted to making threats resulting in the issuance of a temporary restraining order against him.

    Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid.

    ZIFL OPINION

    Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud.

    Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkyc

    IT PAYS INSURER DEFENDANTS TO INVESTIGATE INJURY CLAIMS

    In Chris Kallco v. Melissa Lynn Pugh, Chris Kallco, and Precise Mri Of Michigan, LLC v. Citizens Insurance Company Of The Midwest and Melissa Lynn Pugh, No. 368156, Court of Appeals of Michigan (October 30, 2024) affirmed the trial court’s decision.

    Plaintiff appealed from two orders granting summary disposition in favor of defendants even though he failed to respond to either motion.

    FACTUAL BACKGROUND

    This case arises out of a motor vehicle accident that occurred on March 9, 2020 involving plaintiff and Pugh. Plaintiff alleges that he sustained injuries from the accident. A year after the accident, plaintiff brought a negligence claim against Pugh, alleging that, because of Pugh’s negligence, plaintiff sustained “severe permanent and progressive personal injuries and serious impairment of a body function, including but not necessarily limited to: Head, Neck, Back, Shoulders ….” Plaintiff also brought a claim against Citizens for PIP benefits, including medical expenses, work loss, and replacement services.

    Pugh and Citizens moved for summary disposition arguing that plaintiff could not meet his burden of showing that he sustained a threshold injury under the no-fault act and, therefore, he could not maintain his negligence claim against her. Pugh submitted the deposition testimony of the plaintiff and the report of an independent medical examination (IME) conducted by Dr. James Bragman on December 27, 2021. Dr. Bragman further observed that plaintiff had “near full range of motion” in his neck and that he was “eminently capable” of standing and touching his toes despite his refusal to do so. Dr. Bragman noted that plaintiff had “very little” medical treatment documented in his records and that he had been undergoing physical therapy for six months with no medical basis for doing so. An investigator’s report includes pictures of plaintiff walking, riding a child’s bicycle, squatting, bending over, lifting a bicycle out of a minivan unassisted, playing with a dog, driving a car, and twisting his neck.

    Citizens’ motion argued that plaintiff made material misrepresentations to Citizens regarding the extent of his injuries, which rendered him ineligible for benefits.

    The trial court found that, based upon the evidence presented, plaintiff failed to establish that he sustained a serious impairment of body function and therefore summary disposition in favor of Pugh was appropriate.

    THRESHOLD INJURY

    Plaintiff argued that the trial court erred by granting summary disposition in favor of Pugh.

    Under the no fault statute, the threshold question of whether the person has suffered a serious impairment of body function should be determined by the court as a matter of law as long as there is no factual dispute regarding the nature and extent of the person’s injuries that is material to determining whether the threshold standards are met.

    Plaintiff was obligated to respond to Pugh’s motion in order to meet his burden of demonstrating that a fact question existed as to whether he suffered a serious impairment of body function.

    The parts of plaintiff’s deposition identified by Pugh do not establish a genuine issue of material fact as to whether he suffered a serious impairment of body function. The relevant portions of plaintiff’s deposition testimony fail to rebut the evidence and instead set forth, at best, mere subjective complaints of pain.

    FRAUDULENT INSURANCE ACT

    The fraud statute finds that a person who presents or causes or to be presented an oral or written statement knowing that the statement contains false information concerning a fact or thing material to the claim commits a fraudulent insurance act under that is subject to the penalties imposed under the statute. A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment of PIP benefits.

    An individual commits a “fraudulent insurance act” when: (1) the person presents or causes to be presented an oral or written statement, (2) the statement is part of or in support of a claim for no-fault benefits, and (3) the claim for benefits was submitted to the MAIPF. Further, (4) the person must have known that the statement contained false information, and (5) the statement concerned a fact or thing material to the claim.

    ZIFL OPINION

    The evidence presented by the defendants were damning since they established the injuries claimed were false. Plaintiff failed to respond to the motions to his detriment and sought reconsideration without any admissible evidence that he was truly injured. The defendants established that the Plaintiff committed fraud and he is lucky that this was a civil finding not a criminal proceeding that, in my opinion, should be presented by the prosecutor.

    More McClenny Moseley & Associates Issues

    This is ZIFL’s thirty seventh 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 conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana.

    Health Insurance Fraud Convictions
    Pharmacist and Brother Convicted of $15M Medicare, Medicaid, and Private Insurer Fraud Scheme

    Raad Kouza, a pharmacist in Wayne County, Michigan, and his brother, Ramis Kouza, of Oakland County, Michigan, billed Medicare, Medicaid, and Blue Cross Blue Shield of Michigan for prescription medications that they did not dispense at pharmacies they owned or operated in Michigan. A federal jury convicted the pharmacy owner and his brother November 8, 2024 for conspiracy to commit health care fraud and wire fraud.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Indicators of Bad Faith Set Up

    Some of the more common red flags of a bad faith set-up include the following:

    The claimant makes a policy limits settlement demand quickly after an accident, thereby depriving the insurer of the ability to conduct a full investigation.
    Quick demands that are combined with a limited amount of time to accept, again, in the hopes that records cannot be obtained and the investigation cannot be completed within that limited time period, and the settlement will be refused.
    The claimant makes a settlement offer with one or more unusual acceptance conditions.
    The involvement of the claimant’s counsel pre-dates certain medical or psychiatric care (e.g., testing and treatment for alleged mild traumatic brain injury)

    Read the full article and the full issue of ZIFL at http://https//zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024.pdf

    Convictions of Other Than Health Insurance Fraud
    Star in Reality TV Series Pleads Guilty Crop Insurance Fraud

    Steve A. McBee, 52, waived his right to a grand jury and pleaded guilty to a federal information that charges him with one count of federal crop insurance fraud. McBee, a Missouri farmer who appears in a reality TV show about his family’s farming operation pleaded guilty this week to a multi-million dollar fraud scheme involving federal crop insurance benefits.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Chutzpah – STOLI Fraudster Claims Hardship
    Felon Seeks Release from Home Confinement in Luxury Apartment in New York City

    Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Barry Zalma, Esq., CFE

    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.
    Zalma’s Insurance Fraud Letter September 15, 2024 Zalma’s Insurance Fraud Letter A ClaimSchool™ Publication © 2024 Barry Zalma & ClaimSchool, Inc. Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkycVolume 28, Issue 21 – November 15, 2024 “Honor, justice, and humanity, forbid us tamely to surrender that freedom which we received from our gallant ancestors, and which our innocent posterity have a right to receive from us. We cannot endure the infamy and guilt of resigning succeeding generations to that wretchedness which inevitably awaits them if we basely entail hereditary bondage on them.” Thomas Jefferson Insurance Fraud Requires Doctor to Lose his License Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation. The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage. FACTS Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey. Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo. THE OAL HEARING At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.” Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed. THE ALJ’S DECISION The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.” On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.” The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees. Quartararo Argued The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation and resorted to making threats resulting in the issuance of a temporary restraining order against him. Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid. ZIFL OPINION Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud. Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkyc IT PAYS INSURER DEFENDANTS TO INVESTIGATE INJURY CLAIMS In Chris Kallco v. Melissa Lynn Pugh, Chris Kallco, and Precise Mri Of Michigan, LLC v. Citizens Insurance Company Of The Midwest and Melissa Lynn Pugh, No. 368156, Court of Appeals of Michigan (October 30, 2024) affirmed the trial court’s decision. Plaintiff appealed from two orders granting summary disposition in favor of defendants even though he failed to respond to either motion. FACTUAL BACKGROUND This case arises out of a motor vehicle accident that occurred on March 9, 2020 involving plaintiff and Pugh. Plaintiff alleges that he sustained injuries from the accident. A year after the accident, plaintiff brought a negligence claim against Pugh, alleging that, because of Pugh’s negligence, plaintiff sustained “severe permanent and progressive personal injuries and serious impairment of a body function, including but not necessarily limited to: Head, Neck, Back, Shoulders ….” Plaintiff also brought a claim against Citizens for PIP benefits, including medical expenses, work loss, and replacement services. Pugh and Citizens moved for summary disposition arguing that plaintiff could not meet his burden of showing that he sustained a threshold injury under the no-fault act and, therefore, he could not maintain his negligence claim against her. Pugh submitted the deposition testimony of the plaintiff and the report of an independent medical examination (IME) conducted by Dr. James Bragman on December 27, 2021. Dr. Bragman further observed that plaintiff had “near full range of motion” in his neck and that he was “eminently capable” of standing and touching his toes despite his refusal to do so. Dr. Bragman noted that plaintiff had “very little” medical treatment documented in his records and that he had been undergoing physical therapy for six months with no medical basis for doing so. An investigator’s report includes pictures of plaintiff walking, riding a child’s bicycle, squatting, bending over, lifting a bicycle out of a minivan unassisted, playing with a dog, driving a car, and twisting his neck. Citizens’ motion argued that plaintiff made material misrepresentations to Citizens regarding the extent of his injuries, which rendered him ineligible for benefits. The trial court found that, based upon the evidence presented, plaintiff failed to establish that he sustained a serious impairment of body function and therefore summary disposition in favor of Pugh was appropriate. THRESHOLD INJURY Plaintiff argued that the trial court erred by granting summary disposition in favor of Pugh. Under the no fault statute, the threshold question of whether the person has suffered a serious impairment of body function should be determined by the court as a matter of law as long as there is no factual dispute regarding the nature and extent of the person’s injuries that is material to determining whether the threshold standards are met. Plaintiff was obligated to respond to Pugh’s motion in order to meet his burden of demonstrating that a fact question existed as to whether he suffered a serious impairment of body function. The parts of plaintiff’s deposition identified by Pugh do not establish a genuine issue of material fact as to whether he suffered a serious impairment of body function. The relevant portions of plaintiff’s deposition testimony fail to rebut the evidence and instead set forth, at best, mere subjective complaints of pain. FRAUDULENT INSURANCE ACT The fraud statute finds that a person who presents or causes or to be presented an oral or written statement knowing that the statement contains false information concerning a fact or thing material to the claim commits a fraudulent insurance act under that is subject to the penalties imposed under the statute. A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment of PIP benefits. An individual commits a “fraudulent insurance act” when: (1) the person presents or causes to be presented an oral or written statement, (2) the statement is part of or in support of a claim for no-fault benefits, and (3) the claim for benefits was submitted to the MAIPF. Further, (4) the person must have known that the statement contained false information, and (5) the statement concerned a fact or thing material to the claim. ZIFL OPINION The evidence presented by the defendants were damning since they established the injuries claimed were false. Plaintiff failed to respond to the motions to his detriment and sought reconsideration without any admissible evidence that he was truly injured. The defendants established that the Plaintiff committed fraud and he is lucky that this was a civil finding not a criminal proceeding that, in my opinion, should be presented by the prosecutor. More McClenny Moseley & Associates Issues This is ZIFL’s thirty seventh 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 conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Health Insurance Fraud Convictions Pharmacist and Brother Convicted of $15M Medicare, Medicaid, and Private Insurer Fraud Scheme Raad Kouza, a pharmacist in Wayne County, Michigan, and his brother, Ramis Kouza, of Oakland County, Michigan, billed Medicare, Medicaid, and Blue Cross Blue Shield of Michigan for prescription medications that they did not dispense at pharmacies they owned or operated in Michigan. A federal jury convicted the pharmacy owner and his brother November 8, 2024 for conspiracy to commit health care fraud and wire fraud. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Indicators of Bad Faith Set Up Some of the more common red flags of a bad faith set-up include the following: The claimant makes a policy limits settlement demand quickly after an accident, thereby depriving the insurer of the ability to conduct a full investigation. Quick demands that are combined with a limited amount of time to accept, again, in the hopes that records cannot be obtained and the investigation cannot be completed within that limited time period, and the settlement will be refused. The claimant makes a settlement offer with one or more unusual acceptance conditions. The involvement of the claimant’s counsel pre-dates certain medical or psychiatric care (e.g., testing and treatment for alleged mild traumatic brain injury) Read the full article and the full issue of ZIFL at http://https//zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024.pdf Convictions of Other Than Health Insurance Fraud Star in Reality TV Series Pleads Guilty Crop Insurance Fraud Steve A. McBee, 52, waived his right to a grand jury and pleaded guilty to a federal information that charges him with one count of federal crop insurance fraud. McBee, a Missouri farmer who appears in a reality TV show about his family’s farming operation pleaded guilty this week to a multi-million dollar fraud scheme involving federal crop insurance benefits. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Chutzpah – STOLI Fraudster Claims Hardship Felon Seeks Release from Home Confinement in Luxury Apartment in New York City Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Barry Zalma, Esq., CFE 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.
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    Discover 100 collaborative articles on domains such as Marketing, Public Administration, and Healthcare. Our expertly curated collection combines AI-generated content with insights and advice from industry experts, providing you with unique perspectives and up-to-date information on many skills and their applications.
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  • SHE DOES GREAT MEME DROPS!!

    MEME DROP #221: The News Is Trauma Based Mind Control. I’m Going To Keep Saying It Until People Understand.

    You’re Not Being Informed. You’re Being Manipulated.

    https://www.starfirecodes.com/p/meme-drop-221-the-news-is-trauma
    SHE DOES GREAT MEME DROPS!! MEME DROP #221: The News Is Trauma Based Mind Control. I’m Going To Keep Saying It Until People Understand. You’re Not Being Informed. You’re Being Manipulated. https://www.starfirecodes.com/p/meme-drop-221-the-news-is-trauma
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  • The trauma persists and now has metastasized into a New Dementia Cycle – exemplified by the current War OF Terror and NATO’s plans to actually attempt an Operation Barbarrossa remix by 2030, all that while NATO’s “geopolitical humiliation remains a secret only for the most unsophisticated strata of the Western public.” That’s a diplomatic way of characterizing the relentless brainwashing and imbecilization of the post-modernist, post-Christian collective West.
    https://www.unz.com/pescobar/a-wilderness-of-mirrors-the-hegemons-last-war/
    The trauma persists and now has metastasized into a New Dementia Cycle – exemplified by the current War OF Terror and NATO’s plans to actually attempt an Operation Barbarrossa remix by 2030, all that while NATO’s “geopolitical humiliation remains a secret only for the most unsophisticated strata of the Western public.” That’s a diplomatic way of characterizing the relentless brainwashing and imbecilization of the post-modernist, post-Christian collective West. https://www.unz.com/pescobar/a-wilderness-of-mirrors-the-hegemons-last-war/
    WWW.UNZ.COM
    A wilderness of mirrors: The Hegemon’s Last War
    Andrei Martyanov has carved for himself a unique, haloed place when it comes to deep critical thinking of all matters of war and peace. In his previous books, in his blog Reminiscence of the Future and in countless podcasts, he has become the go-to source when it comes to the inner workings of the Special Military Operation (SMO) in Ukraine as well as The Big Picture of the proxy war between the U.S. and its collective West minions against Russia. Naturally every new book by this delightful human being with a biting sense of humor is something to cherish – and this
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  • Is therapy the only way you can heal from trauma? There are many barriers to mental health care including cost, distance / finding a good therapist near you, discomfort with opening up about what you’re going through and even cultural stigmas.

    So what do you do when you want to experience healing, but therapy isn’t the most accessible or desired option?

    Dr. Frank Anderson, a world-renowned trauma treatment expert, Harvard-trained psychiatrist, and psychotherapist who has helped thousands of clinicians and individuals navigate the complexities of trauma is going to empower us with practical solutions and resources that can help us navigate this healing process without traditional therapy.

    https://www.youtube.com/watch?v=spy75CJkwS4
    Is therapy the only way you can heal from trauma? There are many barriers to mental health care including cost, distance / finding a good therapist near you, discomfort with opening up about what you’re going through and even cultural stigmas. So what do you do when you want to experience healing, but therapy isn’t the most accessible or desired option? Dr. Frank Anderson, a world-renowned trauma treatment expert, Harvard-trained psychiatrist, and psychotherapist who has helped thousands of clinicians and individuals navigate the complexities of trauma is going to empower us with practical solutions and resources that can help us navigate this healing process without traditional therapy. https://www.youtube.com/watch?v=spy75CJkwS4
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  • Carolina In Fort Worth In Trauma Unit After Encounter with Violent Fort Worth Cop

    The POS who who did this to a lady with a camera WITHOUT CAUSE deserves to be gang stomped and taken directly to an oak tree with a rope hanging from it!

    What kind of demon does this to an innocent woman?
    It's ALL because he fears transparency!

    https://youtu.be/UVcD5MB2QFE
    Carolina In Fort Worth In Trauma Unit After Encounter with Violent Fort Worth Cop The POS who who did this to a lady with a camera WITHOUT CAUSE deserves to be gang stomped and taken directly to an oak tree with a rope hanging from it! What kind of demon does this to an innocent woman? It's ALL because he fears transparency! https://youtu.be/UVcD5MB2QFE
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  • JUAN O SAVIN- HACKED and Displaced PART THREE- Jean-Claude 6 11 2024
    https://rumble.com/v51bx1c-juan-o-savin-hacked-and-displaced-part-three-jean-claude-6-11-2024.html
    The EO on Sept 18 2018 starts PART THREE. Foreign Interference in the Voting Process. Executive Order 13848 -Imposing Certain Sanctions in the Event of Foreign Interference in a United States Election.
    Secure investigations in the NSA are under the microscope.
    Significance of the Libya and Serbia operation. Juan explains where people were and how they contributed to the Fraud.
    Financial Disaster is ahead. A counterfeit VOTE is worth more than a COUNTERFEIT Dollar.
    TRAUMA BASED PROGRAMMING.
    This is a PSYOP that we must understand if you BELIEVE A Series of Events that are "foretold" and then you reenact the event.. YOU will live with the GUILT.
    WE HAVE BEEN HACKED AS A CULTURE.
    JUAN O SAVIN- HACKED and Displaced PART THREE- Jean-Claude 6 11 2024 https://rumble.com/v51bx1c-juan-o-savin-hacked-and-displaced-part-three-jean-claude-6-11-2024.html The EO on Sept 18 2018 starts PART THREE. Foreign Interference in the Voting Process. Executive Order 13848 -Imposing Certain Sanctions in the Event of Foreign Interference in a United States Election. Secure investigations in the NSA are under the microscope. Significance of the Libya and Serbia operation. Juan explains where people were and how they contributed to the Fraud. Financial Disaster is ahead. A counterfeit VOTE is worth more than a COUNTERFEIT Dollar. TRAUMA BASED PROGRAMMING. This is a PSYOP that we must understand if you BELIEVE A Series of Events that are "foretold" and then you reenact the event.. YOU will live with the GUILT. WE HAVE BEEN HACKED AS A CULTURE.
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  • THE CONTINENTS BEYOND THE ICE WALL
    THAT YOU HAVE NEVER BEEN TOLD ABOUT

    I'm just glad that the Father opened my eyes!
    It's quite a traumatic experience to wake up from their matrix...

    but once you awaken, you'll never sleep again

    https://www.bitchute.com/video/B7YF6jtJk8lA/
    THE CONTINENTS BEYOND THE ICE WALL THAT YOU HAVE NEVER BEEN TOLD ABOUT I'm just glad that the Father opened my eyes! It's quite a traumatic experience to wake up from their matrix... but once you awaken, you'll never sleep again https://www.bitchute.com/video/B7YF6jtJk8lA/
    WWW.BITCHUTE.COM
    THE CONTINENTS BEYOND THE ICE WALL THAT YOU HAVE NEVER BEEN TOLD ABOUT
    Joe's going to yell some about medical assault, and then drop cosmology bombs out of his finely feathered thinking cap. 😁👏 Source: The Fullerton Informer https://m.youtube.com/watch?v=rl_AxSf7hqw&t=3s Truther's Lair - Your one stop source of mirr…
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  • [BODYCAM] Police RAID Elderly Councilwoman's Home, Family Traumatized
    https://youtu.be/LfmK3o5CMzs?si=LMaGvnPXSICKhKNn
    [BODYCAM] Police RAID Elderly Councilwoman's Home, Family Traumatized https://youtu.be/LfmK3o5CMzs?si=LMaGvnPXSICKhKNn
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