• Declaring a Policy Void
    When a Policy Is Void
    For Subscribers to Excellence in Claims Handling
    You can Subscribe for only $5 a month to Excellence in Claims Handling at
    https://barryzalma.substack.com/subscribe
    A small portion of what was provided to subscribers.
    In almost every policy of insurance, there is a clause declaring the policy void if the insured misrepresents or conceals material facts or commits fraud. For example:
    We do not pay for bodily injury or property damage which is expected by, directed by, or intended by an insured. This exclusion does not apply to bodily injury that arises out of the use of reasonable force to protect people or property. (AAIS Form BP-200, (c) 1987 AAIS).
    or:
    This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other “insured,” at any time, intentionally conceal or misrepresent a material fact concerning: a. This Coverage Form; b. The covered “auto”; c. Your interest in the covered “auto”; or d. A claim under this Coverage Form. (Insurance Services Office form CA 00 01 01 87).
    The policy wording requires that the insurer prove, not only that the insured misrepresented or concealed a material fact but must also prove that the insured did so with the intent to deceive.
    Absent the rare confession it is often difficult to prove intentional deceit. The insured will usually claim that he or she was mistaken and had no intent to deceive. In more than 50 years of investigation of fraudulent insurance claims I only once received from an insured an under oath statement that the insured intentionally deceived the insurer and then, not in person, but by correcting false testimony in the transcript of an examination under oath.
    If fraud or mutual mistake is an issue, insurers and insureds doing business in Oklahoma must resort to courts of general jurisdiction for a determination of contractual rights.[1] In Oklahoma, the Workers’ Compensation court does not have the right to rescind or declare a policy of Workers’ Compensation insurance void. However, where there is a misrepresentation with intent to deceive and the putative insured recognized the materiality of the misrepresentation the insurance policy is void from its inception.[2]
    In Florida, Florida Statutes (2006), state in pertinent part:
    any insurance fraud shall void all coverage arising from the claim related to such fraud under the personal injury protection coverage of the insured person who committed the fraud.
    In harmony with this statutory provision, the fraud provision in an insurance policy set forth: “any insurance fraud shall void all personal injury protection coverage arising from the claim with respect to the insured who committed the fraud” is appropriate and enforceable. [Bosem v. Commerce & Indus. Ins. Co., 35 So.3d 944 (Fla. App., 2010)]

    Declaring a Policy Void When a Policy Is Void For Subscribers to Excellence in Claims Handling You can Subscribe for only $5 a month to Excellence in Claims Handling at https://barryzalma.substack.com/subscribe A small portion of what was provided to subscribers. In almost every policy of insurance, there is a clause declaring the policy void if the insured misrepresents or conceals material facts or commits fraud. For example: We do not pay for bodily injury or property damage which is expected by, directed by, or intended by an insured. This exclusion does not apply to bodily injury that arises out of the use of reasonable force to protect people or property. (AAIS Form BP-200, (c) 1987 AAIS). or: This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other “insured,” at any time, intentionally conceal or misrepresent a material fact concerning: a. This Coverage Form; b. The covered “auto”; c. Your interest in the covered “auto”; or d. A claim under this Coverage Form. (Insurance Services Office form CA 00 01 01 87). The policy wording requires that the insurer prove, not only that the insured misrepresented or concealed a material fact but must also prove that the insured did so with the intent to deceive. Absent the rare confession it is often difficult to prove intentional deceit. The insured will usually claim that he or she was mistaken and had no intent to deceive. In more than 50 years of investigation of fraudulent insurance claims I only once received from an insured an under oath statement that the insured intentionally deceived the insurer and then, not in person, but by correcting false testimony in the transcript of an examination under oath. If fraud or mutual mistake is an issue, insurers and insureds doing business in Oklahoma must resort to courts of general jurisdiction for a determination of contractual rights.[1] In Oklahoma, the Workers’ Compensation court does not have the right to rescind or declare a policy of Workers’ Compensation insurance void. However, where there is a misrepresentation with intent to deceive and the putative insured recognized the materiality of the misrepresentation the insurance policy is void from its inception.[2] In Florida, Florida Statutes (2006), state in pertinent part: any insurance fraud shall void all coverage arising from the claim related to such fraud under the personal injury protection coverage of the insured person who committed the fraud. In harmony with this statutory provision, the fraud provision in an insurance policy set forth: “any insurance fraud shall void all personal injury protection coverage arising from the claim with respect to the insured who committed the fraud” is appropriate and enforceable. [Bosem v. Commerce & Indus. Ins. Co., 35 So.3d 944 (Fla. App., 2010)]
    BARRYZALMA.SUBSTACK.COM
    Subscribe to Excellence in Claims Handling
    A series of writings and/or videos to help understand insurance, insurance claims, and becoming an insurance claims professional and who need to provide or receive competent and Excellence in Claims Handling. Click to read Excellence in Claims Handling, by Barry Zalma, a Substack publication with thousands of subscribers.
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  • Three ‘hate-motivated’ attacks rock Catholic church in Canada, lead to police investigation - LifeSite
    #NoMoreLiberalsAndNDP
    #SayingTheQuietPartOutLoud
    #resigntrudeau
    #JustSayNoMore
    https://www.lifesitenews.com/news/three-hate-motivated-attacks-rock-catholic-church-in-canada-lead-to-police-investigation
    Three ‘hate-motivated’ attacks rock Catholic church in Canada, lead to police investigation - LifeSite 🇨🇦 #NoMoreLiberalsAndNDP 🇨🇦 🇨🇦 #SayingTheQuietPartOutLoud 🇨🇦 🇨🇦 #resigntrudeau 🇨🇦 🇨🇦 #JustSayNoMore 🇨🇦 https://www.lifesitenews.com/news/three-hate-motivated-attacks-rock-catholic-church-in-canada-lead-to-police-investigation
    WWW.LIFESITENEWS.COM
    Three ‘hate-motivated’ attacks rock Catholic church in Canada, lead to police investigation - LifeSite
    The Edmonton Police Service is looking for suspects in separate incidents at Holy Rosary Church, including one in which a statue of Pope St. John Paul II was spray painted with the word 'burn.'
    0 Comentários 0 Compartilhamentos 162 Visualizações
  • https://americafirstreport.com/voter-registration-fraud-investigations-point-to-arizona-group-with-ties-to-left-leaning-orgs/
    https://americafirstreport.com/voter-registration-fraud-investigations-point-to-arizona-group-with-ties-to-left-leaning-orgs/
    AMERICAFIRSTREPORT.COM
    Voter Registration Fraud Investigations Point to Arizona Group With Ties to Left-Leaning Orgs
    Evidence from the voter registration application fraud cases has stunned Pennsylvania over the past week, leading all the way to
    0 Comentários 0 Compartilhamentos 165 Visualizações
  • https://www.news4sanantonio.com/news/local/tren-de-aragua-migrant-street-gang-arrests-after-kidnapping-and-murder-of-texas-man-san-antonio-colorado-new-york-city-jail-investigation-police
    https://www.news4sanantonio.com/news/local/tren-de-aragua-migrant-street-gang-arrests-after-kidnapping-and-murder-of-texas-man-san-antonio-colorado-new-york-city-jail-investigation-police
    WWW.NEWS4SANANTONIO.COM
    Tren de Aragua migrant street gang arrests after kidnapping and murder of Texas man
    WASHINGTON (TNND) - Two months after 33-year-old Nilzuly Arneaud Petit of Texas was kidnapped and killed, three suspected members of a Venezuelan street gang we
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  • A progressive group funded by anti-Trump billionaire Reid Hoffman and other Democratic heavyweights is behind a rash of misleading text messages stoking concerns about voter suppression across the country, a Washington Free Beacon investigation has found.

    https://freebeacon.com/elections/something-that-the-feds-really-need-to-look-at-liberal-dark-money-network-sends-inaccurate-election-texts-to-voters-across-us/
    A progressive group funded by anti-Trump billionaire Reid Hoffman and other Democratic heavyweights is behind a rash of misleading text messages stoking concerns about voter suppression across the country, a Washington Free Beacon investigation has found. https://freebeacon.com/elections/something-that-the-feds-really-need-to-look-at-liberal-dark-money-network-sends-inaccurate-election-texts-to-voters-across-us/
    FREEBEACON.COM
    'Something That the Feds Really Need To Look At': Liberal Dark Money Network Sends Inaccurate Election Texts to Voters Across US
    A progressive group funded by anti-Trump billionaire Reid Hoffman and other Democratic heavyweights is behind a rash of misleading text messages stoking concerns about voter suppression across the country, a Washington Free Beacon investigation has found.
    0 Comentários 0 Compartilhamentos 259 Visualizações
  • As a sprawling congressional investigation into online political fundraising expands, House Speaker Mike Johnson said Thursday he fears foreign adversaries such as China and Iran may be laundering money to Democrats this election, and he is vowing lawmakers will take punitive actions against overseas actors if the allegations are corroborated.
    https://www.defense.gov/News/Releases/Release/Article/3954004/biden-administration-announces-additional-security-assistance-for-ukraine/
    As a sprawling congressional investigation into online political fundraising expands, House Speaker Mike Johnson said Thursday he fears foreign adversaries such as China and Iran may be laundering money to Democrats this election, and he is vowing lawmakers will take punitive actions against overseas actors if the allegations are corroborated. https://www.defense.gov/News/Releases/Release/Article/3954004/biden-administration-announces-additional-security-assistance-for-ukraine/
    Like
    1
    0 Comentários 0 Compartilhamentos 349 Visualizações
  • Election Integrity Investigation Discovers How Democrats Have Hijacked The Nation's Voter Rolls!
    https://www.bitchute.com/video/RXqLiouHUdgD/?list=notifications&randomize=false
    Mike Yoder joins Alex Jones live to break down how Democrats have hijacked the nation's voter rolls.
    Election Integrity Investigation Discovers How Democrats Have Hijacked The Nation's Voter Rolls! https://www.bitchute.com/video/RXqLiouHUdgD/?list=notifications&randomize=false Mike Yoder joins Alex Jones live to break down how Democrats have hijacked the nation's voter rolls.
    WWW.BITCHUTE.COM
    Election Integrity Investigation Discovers How Democrats Have Hijacked The Nation's Voter Rolls!
    Mike Yoder joins Alex Jones live to break down how Democrats have hijacked the nation's voter rolls. **NEW STORE** Get The Hottest T-Shirts, Hoodies Going! https://thealexjonesstore.com/ Trump Bulletproof T-Shirt - https://www.infowarsstore.com/gear/apparel/trump-bullet-proof-shirt **ALEX JONES ON X https://twitter.com/RealAlexJones **https://drjonesnaturals.com/ - SAVE INFOWARS!! BUY NOW!! 🚨$URGENT! Keep Alex Jones in the fight! contribute https://www.givesendgo.com/realalexjones **Alex Jones NWO Wars NOW AVAILABLE on Steam! https://shorturl.at/bknpv **Power up with Nitric Boost that’s now 40% OFF! https://shorturl.at/etY28 **Save 40% on our limited edition Brain Force Ultra! https://shorturl.at/rxS89 **Ultimate Fish Oil Now 40% OFF! https://www.infowarsstore.com/ultimate-fish-oil **Ultra 12 is now 40% OFF...Get it today! https://www.infowarsstore.com/ultra-12-b12 🚨🚨 NEW WEBSITE FOR ALEX JONES CONTENT!!>> https://alexjones.network/
    0 Comentários 0 Compartilhamentos 122 Visualizações
  • The Biden/Harris Regime & CDC Partners Literally Wasted a Fortune to Lie to the American People
    The report details a number of unbelievable inaccuracies in 2021 coming from the Biden/ Harris administration’s communications team and the CDC’s messaging apparatus. Fauci and Francis Collins’ National Institutes of Health were also responsible, creating guidance using taxpayer money, nearly $1 billion per the report, that misled millions of people and caused unimaginable harm in the process.
    While the Biden/Harris administration’s public health guidance led to prolonged closures of schools and businesses, the NIH was spending nearly a billion dollars of taxpayer money trying to manipulate Americans with advertisements—sometimes containing erroneous or unproven information. By overpromising what the Covid-19 vaccines could do—in direct contradiction of the FDA’s authorizations—and over emphasizing the virus’s risk to children and young adults, the Biden/Harris administration caused Americans to lose trust in the public health system,” Committee Chair Cathy McMorris Rodgers (R-WA) said after the report’s release. “Our investigation also uncovered the extent to which public funding went to Big Tech companies to track and monitor Americans, underscoring the need for stronger online data privacy protections.”
    https://brownstone.org/articles/the-biden-harris-administration-wasted-nearly-one-billion-on-misinformation/
    The Biden/Harris Regime & CDC Partners Literally Wasted a Fortune to Lie to the American People The report details a number of unbelievable inaccuracies in 2021 coming from the Biden/ Harris administration’s communications team and the CDC’s messaging apparatus. Fauci and Francis Collins’ National Institutes of Health were also responsible, creating guidance using taxpayer money, nearly $1 billion per the report, that misled millions of people and caused unimaginable harm in the process. While the Biden/Harris administration’s public health guidance led to prolonged closures of schools and businesses, the NIH was spending nearly a billion dollars of taxpayer money trying to manipulate Americans with advertisements—sometimes containing erroneous or unproven information. By overpromising what the Covid-19 vaccines could do—in direct contradiction of the FDA’s authorizations—and over emphasizing the virus’s risk to children and young adults, the Biden/Harris administration caused Americans to lose trust in the public health system,” Committee Chair Cathy McMorris Rodgers (R-WA) said after the report’s release. “Our investigation also uncovered the extent to which public funding went to Big Tech companies to track and monitor Americans, underscoring the need for stronger online data privacy protections.” https://brownstone.org/articles/the-biden-harris-administration-wasted-nearly-one-billion-on-misinformation/
    BROWNSTONE.ORG
    The Biden-Harris Administration Wasted Nearly One Billion on Misinformation ⋆ Brownstone Institute
    A new 113-page report detailed the abuses from the Biden-Harris administration and the manner in which they communicated during Covid.
    0 Comentários 0 Compartilhamentos 570 Visualizações
  • https://thepeoplesvoice.tv/texas-launches-investigation-into-dominion-voting-systems-for-rigging-their-machines/
    https://thepeoplesvoice.tv/texas-launches-investigation-into-dominion-voting-systems-for-rigging-their-machines/
    THEPEOPLESVOICE.TV
    Texas Launches Investigation Into Dominion Voting Systems for ‘Rigging Their Machines’
    Texas has launched a criminal investigation into Dominion Voting Systems after evidence emerged that their machines are rigged to help Kamala Harris win the presidency.
    0 Comentários 0 Compartilhamentos 145 Visualizações
  • EXCLUSIVE: Kamala Harris Has All The Hallmarks Of A CIA Mind Control Slave! A Manchurian Candidate!
    https://www.bitchute.com/video/zHLMfzBgwCWw/?list=notifications&randomize=false
    Candace Owens joins Alex Jones live to reveal her ongoing investigation into Kamala Harris' connections to the MKUltra mind control program.
    EXCLUSIVE: Kamala Harris Has All The Hallmarks Of A CIA Mind Control Slave! A Manchurian Candidate! https://www.bitchute.com/video/zHLMfzBgwCWw/?list=notifications&randomize=false Candace Owens joins Alex Jones live to reveal her ongoing investigation into Kamala Harris' connections to the MKUltra mind control program.
    WWW.BITCHUTE.COM
    EXCLUSIVE: Kamala Harris Has All The Hallmarks Of A CIA Mind Control Slave! A Manchurian Candidate!
    Candace Owens joins Alex Jones live to reveal her ongoing investigation into Kamala Harris' connections to the MKUltra mind control program. **NEW STORE** https://thealexjonesstore.com/ ENTER to Win A Ram AEV Prospector XL!!! Trump Bulletproof T-Shirt - https://www.infowarsstore.com/gear/apparel/trump-bullet-proof-shirt **ALEX JONES ON X https://twitter.com/RealAlexJones **https://drjonesnaturals.com/ - SAVE INFOWARS!! BUY NOW!! 🚨$URGENT! Keep Alex Jones in the fight! contribute https://www.givesendgo.com/realalexjones **Alex Jones NWO Wars NOW AVAILABLE on Steam! https://shorturl.at/bknpv **Power up with Nitric Boost that’s now 40% OFF! https://shorturl.at/etY28 **Save 40% on our limited edition Brain Force Ultra! https://shorturl.at/rxS89 **Ultimate Fish Oil Now 40% OFF! https://www.infowarsstore.com/ultimate-fish-oil **Ultra 12 is now 40% OFF...Get it today! https://www.infowarsstore.com/ultra-12-b12 🚨🚨 NEW WEBSITE FOR ALEX JONES CONTENT!!>> https://alexjones.network/
    0 Comentários 0 Compartilhamentos 167 Visualizações
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