Insurance Frauds Are Not Born, They Are Trained
Read the full article at https://www.linkedin.com/feed/update/urn:li:ugcPost:6921812566495150081?updateEntityUrn=urn%3Ali%3Afs_updateV2%3A%28urn%3Ali%3AugcPost%3A6921812566495150081%2CFEED_DETAIL%2CEMPTY%2CDEFAULT%2Cfalse%29 and see the full video at https://rumble.com/v11bte9-true-crime-of-insurance-fraud-video-number-56.html?mref=6zof&mrefc=2 and at
and at https://zalma.com/blog plus more than 4150 posts.
Wee Willy never intended to be a criminal. His ambition in life, from age three, was to be a meat cutter like his dad. Willy cruised through high school with a solid “C” average. He knew that as a meat cutter he only needed a steady hand. Literature and mathematics held no interest for him.
As a child he would visit the store where his father worked and watch sides of beef turn into chops, steaks and hamburger with rapt attention. His father, he believed, was an artist who turned ugly chunks of dead animals into beautiful and delicious food. His ambition was to be the Picasso of meat cutters.
When Willy graduated from high school his father helped him join the meat cutters local as an apprentice. He began his career at a neighborhood Piggy Wiggly market. As an apprentice Willy was ordered about by the journeyman meat cutter. The duties of an apprentice included sweeping up the cuttings, collecting the excess fat so that it could be sold to the renderer, and lifting and carrying carcasses for the journeyman.
On slow days the journeyman would let Willy practice on the giant band saw. Willy was happy. Even as an apprentice meat cutter he was doing what he always wanted to do. He was learning his trade. He also could bring a few cuts of filet mignon to his girlfriend’s father. When her father was happy with Willy, his girlfriend was even more loving.
Willy had outfitted his house from the local Goodwill store. By the time his house was rebuilt, he had a brand new house worth twice as much as when he bought it, completely furnished with new furniture from quality stores. He immediately put the house on the market and made a $100,000 profit. With the money, he traded in his car and bought a brand new Corvette, a gold and diamond ring and a Rolex President with a diamond face. He gave his old Rolex to his father.
Life was good. Willy decided to go into business for himself. He would become a builder. He attended the contractor’s license school for one day and learned enough to pass the test and become a licensed contractor. Willy was in business for himself. He really didn’t need to work. He was going to use the contractor’s license to make more money off of insurance. Any construction job he did would be paid for completely by the insurance company.
Willy’s two domestic insurers were members of the National Insurance Crime Bureau (NICB) and the ISO All Claims database; Lloyd’s was not.
When each insurer submitted their report of Willy’s robbery, the ISO and NICB advised both insurers of the other claim that appeared to be similar to their claim.Each insurer had in place a special fraud investigation unit (SIU). The SIU investigators contacted each other and found that the two claims were identical and based upon the same appraisals. Lloyd’s, through their independent investigators, also used the All Claims database and the adjusters for the three insurers shared information concerning Willy’s claim.
Within six months Willy fell off an oil tank and broke his leg in three places. Although it hurt a great deal, Willy was happy. He had workers’ compensation again and, with his disability insurance policies, his take home pay tripled.
He knew the leg would be slow to heal and he could enjoy a life of leisure paid for by all of the other stupid people who bought workers’ compensation insurance but did not benefit from it as did Willy.
(c) 2022 Barry Zalma & ClaimSchool, Inc.
Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. He is available at http://www.zalma.com and [email protected].
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Interpleader Protects All Claimants Against Life Policy and the Insurer
Who’s on First to Get Life Insurance Proceeds
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See the full video at https://lnkd.in/gyxQfnUz and at https://lnkd.in/gAd3wqWP, and at https://zalma.com/blog plus more than 5150 posts.
Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://lnkd.in/gRthzSnT; Go to Barry Zalma on YouTube- https://lnkd.in/g2hGv88; Go to the Insurance Claims Library – https://lnkd.in/gwEYk.
Interpleader Protects All Claimants Against Life Policy and the Insurer
In Metropolitan Life Insurance Company v. Selena Sanchez, et al, No. 2:24-cv-03278-TLN-CSK, United States District Court, E.D. California (September 3, 2025) the USDC applied interpleader law.
Case Overview
This case involves an interpleader action brought by the Metropolitan Life Insurance Company (Plaintiff-in-Interpleader) against Selena Sanchez and other defendants (Defendants-in-Interpleader).
Key Points
Plaintiff-in-Interpleader’s Application:
The Plaintiff-in-Interpleader...
A Claim by Any Other Name is not a Claim
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It is Imperative that Insured Report Potential Claim to Insurers
Read the full article at https://lnkd.in/gfbwAsxw, See the full video at https://lnkd.in/gea_hgB3 and at https://lnkd.in/ghZ7gjxy, and at https://zalma.com/blog plus more than 5150 posts.
In Jeffrey B. Scott v. Certain Underwriters At Lloyd’s, London, Subscribing To Policy No. B0901li1837279, RLI Insurance Company, Certain Underwriters At Lloyds, London And The Insurance Company, Subscribing To Policy No. B0180fn2102430, No. 24-12441, United States Court of Appeals, Eleventh Circuit (August 25, 2025) the court explained the need for a claim to obtain coverage.
Case Background:
This appeal arises from a coverage dispute under a Directors & Officers (D&O) insurance policy. Jeffrey B. Scott, the plaintiff-appellant, was terminated from his role as CEO, President, and Secretary of Gemini Financial Holdings, LLC in October 2019. Following his termination, Scott threatened legal action against Gemini, and ...
A Claim by Any Other Name is not a Claim
Post 5182
It is Imperative that Insured Report Potential Claim to Insurers
Read the full article at https://lnkd.in/gfbwAsxw, See the full video at https://lnkd.in/gea_hgB3 and at https://lnkd.in/ghZ7gjxy, and at https://zalma.com/blog plus more than 5150 posts.
In Jeffrey B. Scott v. Certain Underwriters At Lloyd’s, London, Subscribing To Policy No. B0901li1837279, RLI Insurance Company, Certain Underwriters At Lloyds, London And The Insurance Company, Subscribing To Policy No. B0180fn2102430, No. 24-12441, United States Court of Appeals, Eleventh Circuit (August 25, 2025) the court explained the need for a claim to obtain coverage.
Case Background:
This appeal arises from a coverage dispute under a Directors & Officers (D&O) insurance policy. Jeffrey B. Scott, the plaintiff-appellant, was terminated from his role as CEO, President, and Secretary of Gemini Financial Holdings, LLC in October 2019. Following his termination, Scott threatened legal action against Gemini, and ...
Barry Zalma: Insurance Claims Expert Witness
Posted on September 3, 2025 by Barry Zalma
The Need for a Claims Handling Expert to Defend or Prove a Tort of Bad Faith Suit
© 2025 Barry Zalma, Esq., CFE
When I finished my three year enlistment in the US Army as a Special Agent of US Army Intelligence in 1967, I sought employment where I could use the investigative skills I learned in the Army. After some searching I was hired as a claims trainee by the Fireman’s Fund American Insurance Company. For five years, while attending law school at night while working full time as an insurance adjuster I became familiar with every aspect of the commercial insurance industry.
On January 2, 1972 I was admitted to the California Bar. I practiced law, specializing in insurance claims, insurance coverage and defense of claims against people insured and defense of insurance companies sued for breach of contract and breach of the implied covenant of good faith and fair dealing. After 45 years as an active lawyer, I asked that my license to practice law be declared inactive ...
The Need for a Claims Handling Expert to Defend or Prove a Tort of Bad Faith Suit
© 2025 Barry Zalma, Esq., CFE
When I finished my three year enlistment in the US Army as a Special Agent of US Army Intelligence in 1967, I sought employment where I could use the investigative skills I learned in the Army. After some searching I was hired as a claims trainee by the Fireman’s Fund American Insurance Company. For five years, while attending law school at night while working full time as an insurance adjuster I became familiar with every aspect of the commercial insurance industry.
On January 2, 1972 I was admitted to the California Bar. I practiced law, specializing in insurance claims, insurance coverage and defense of claims against people insured and defense of insurance companies sued for breach of contract and breach of the implied covenant of good faith and fair dealing. After 45 years as an active lawyer, I asked that my license to practice law be declared inactive and became a consultant and expert witness for lawyers representing insurers and lawyers ...
APPRAISAL AWARD SETS AMOUNT OF DAMAGES RECOVERED FROM INSURER
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See the full video at https://rumble.com/v6yd2z0-evidence-required-to-prove-breach-of-contract.html and at https://youtu.be/2ywEjs3hZsw, and at https://zalma.com/blog plus more than 5150 posts.
It’s a Waste of Time to Sue Your Insurer if You Don’t Have Evidence
Evidence Required to Prove Breach of Contract
Read the full article at https://www.linkedin.com/pulse/evidence-required-prove-breach-contract-barry-zalma-esq-cfe-rfelc, see the full video at https://rumble.com/v6yd2z0-evidence-required-to-prove-breach-of-contract.html and at https://youtu.be/2ywEjs3hZsw, and at https://zalma.com/blog plus more than 5150 posts.
It’s a Waste of Time to Sue Your Insurer if You Don’t Have Evidence
In Debbie Beaty and Jonathan Hayes v. Homeowners Of America Insurance Company, No. 01-23-00844-CV, Court of Appeals of Texas, First District (August 26, 2025) Debbie Beaty and Jonathan Hayes filed a claim under their homeowner’s insurance policy with Homeowners of ...
