I Don’t Need Your Stinkin’ License!
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Yuri Gasparov was 19 years old when he entered the United States from the old Soviet Republic of Georgia. Although still a teenager he was strong of will and body. In the old Soviet Georgia he had made his mark as a thief, extortionist and enforcer. Yuri was 13 years old when he first killed a man who refused to pay half his earnings to the group Gasparov joined when he was 11.
When the Soviet Union fell, he emigrated to the U.S. He saw the U.S., unlike the new Georgian Republic, as a place of opportunity for his criminal skills.
Gasparov arrived at Los Angeles International Airport on an immigrant’s Visa claiming to be a persecuted Russian Jew. He was unusual as an immigrant. There were gold bars weighing ten Kilograms and 30 carats of “D” to “H” color diamonds in his luggage. Yuri stepped off an Al Italia jet from the First Class Cabin wearing an English suit cut by a Saville Row tailor, a Gold Rolex President watch and Italian alligator leather shoes.
As he waited in the “Nothing to Declare” line at the Bradley International Terminal women in the line openly stared. They saw a handsome young man with long black hair, green eyes, an aquiline nose and a neatly trimmed Van Dyke beard. They assumed he was an Italian Actor come to try his hand at Hollywood.
A limousine was waiting to pick him up at the curb. The chauffeur held the door for him as he entered the long, white, stretched Lincoln Town Car welcoming him to the U.S. in Russian.
Yuri Gasparov had convinced the boss in Georgia that it was necessary to use the American system to make profit and leave the violent tried and true methods of making a criminal profit perfected in the old Republic of Georgia. The American system of civil justice was open to the devious, the criminal and the unethical for instant wealth.
What he did not know, basking in all the accouterments of immediate success, that knowledge of the law or how to practice law, was irrelevant to his success. All that was required of Casparian was to hang his license on the wall and wait for the profits to roll in.
Casparian did not know — or refused to learn — that his “clients” were not injured, that they never received medical treatment and that most had never been involved in an accident. Casparian convinced himself that he had achieved the American dream and was the most successful new lawyer in the state of California.
Within weeks new clients’ cases were flowing into the Casparian law firm at three times the rate as the first year of business. The three doctors were, by their billing, treating over sixty patients a day. Medical bills were forwarded to the Casparian law firm on behalf of its clients of more than $100,000 a day.
Profits increased exponentially. Casparian, sitting in his office spent most of his time watching daytime soap operas on the office television. The secretarial staff and the staff of adjusters worked 10 hours a day negotiating hundreds of claims a day. Everyone in the Casparian law firm was happy and Gasparov had purchased, for cash, a four bedroom house in Brentwood.
The staffs of the various SIUs worked together to create a database of claims from the Casparian law firm. It found that the doctors, by their billing records, were billing for more than 80 hours of work a day. Auto accident victims, although never to the same insurer twice, were involved in more than fifteen accidents a month.
The information was taken to the Major Fraud Division of the Los Angeles District Attorney’s office. In a task-force with the Fraud Division, California Department of Insurance and the Los Angeles Police Department, search warrants were issued for the files of the law office and the offices of the three doctors. Records were gathered and collated. Four months later arrest warrants were issued for Casparian, the three doctors and each “adjuster” in the law firm.
Gasparov, the instigator and receiver of the profits, sold his house in Brentwood when the search warrants were issued, moved to Fresno, and started an office with a lawyer who had immigrated from Kazakstan.
Gasparov’s new law office in Fresno is a great success. His position in the criminal organization has improved and he is now only third in line behind the boss in Georgia.
Without the benefit of, education, training or a license Yuri Gasparov made more money from the practice of law in California than 99 percent of the lawyers in the state and continues to earn more than any lawyer practicing in Fresno, California.
ZALMA OPINION
The insurance industry’s need to deal fairly and in good faith with everyone presenting a claim made them vulnerable to an intelligent and immoral criminal. A group of good investigators stopped the fraud only to have the courts hand out minimal sentences and allowed the instigator of the fraud to escape and proceed with his criminal pursuits elsewhere. It is time that the courts truly punish those involved in insurance fraud.
(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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Notice of Claim Later than 60 Days After Expiration is Too Late
Post 5089
Injury at Massage Causes Suit Against Therapist
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Hiscox Insurance Company (“Hiscox”) moved the USDC to Dismiss a suit for failure to state a claim because the insured reported its claim more than 60 days after expiration of the policy.
In Mluxe Williamsburg, LLC v. Hiscox Insurance Company, Inc., et al., No. 4:25-cv-00002, United States District Court, E.D. Missouri, Eastern Division (May 22, 2025) the trial court’s judgment was affirmed.
FACTUAL BACKGROUND
Plaintiff, the operator of a massage spa franchise, entered into a commercial insurance agreement with Hiscox that provided liability insurance coverage from July 25, 2019, to July 25, 2020. On or about June 03, 2019, a customer alleged that one of Plaintiff’s employees engaged in tortious ...
ZIFL – Volume 29, Issue 11
The Source for the Insurance Fraud Professional
Posted on June 2, 2025 by Barry Zalma
Post 5087
See the full video at and at
Read the full article and the full issue of ZIFL June 1, 2025 at https://zalma.com/blog/wp-content/uploads/2025/05/ZIFL-06-01-2025.pdf
Zalma’s Insurance Fraud Letter – June 1, 2025
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ZIFL – Volume 29, Issue 11
The Source for the Insurance Fraud Professional
Read the full article and the full issue of ZIFL June 1, 2025 at https://lnkd.in/gTWZUnnF
Zalma’s Insurance Fraud Letter (ZIFL) continues its 29th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at ...
No Coverage if Home Vacant for More Than 60 Days
Failure to Respond To Counterclaim is an Admission of All Allegations
Post 5085
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In Nationwide Mutual Insurance Company v. Rebecca Massey, Civil Action No. 2:25-cv-00124, United States District Court, S.D. West Virginia, Charleston Division (May 22, 2025) Defendant Nationwide Mutual Insurance Company's (“Nationwide”) motion for Default Judgment against Plaintiff Rebecca Massey (“Plaintiff”) for failure to respond to a counterclaim and because the claim was excluded by the policy.
BACKGROUND
On February 26, 2022, Plaintiff's home was destroyed by a fire. At the time of this accident, Plaintiff had a home insurance policy with Nationwide. Plaintiff reported the fire loss to Nationwide, which refused to pay for the damages under the policy because the home had been vacant for more than 60 days.
Plaintiff filed suit ...
ZIFL Volume 29, Issue 10
The Source for the Insurance Fraud Professional
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Zalma’s Insurance Fraud Letter (ZIFL) continues its 29th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ You can read the full issue of the May 15, 2025 issue at http://zalma.com/blog/wp-content/uploads/2025/05/ZIFL-05-15-2025.pdf
This issue contains the following articles about insurance fraud:
Health Care Fraud Trial Results in Murder for Hire of Witness
To Avoid Conviction for Insurance Fraud Defendants Murder Witness
In United States of America v. Louis Age, Jr.; Stanton Guillory; Louis Age, III; Ronald Wilson, Jr., No. 22-30656, United States Court of Appeals, Fifth Circuit (April 25, 2025) the Fifth Circuit dealt with the ...
Professional Health Care Services Exclusion Effective
Post 5073
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This opinion is the recommendation of a Magistrate Judge to the District Court Judge and involves Travelers Casualty Insurance Company and its duty to defend the New Mexico Bone and Joint Institute (NMBJI) and its physicians in a medical negligence lawsuit brought by Tervon Dorsey.
In Travelers Casualty Insurance Company Of America v. New Mexico Bone And Joint Institute, P.C.; American Foundation Of Lower Extremity Surgery And Research, Inc., a New Mexico Corporation; Riley Rampton, DPM; Loren K. Spencer, DPM; Tervon Dorsey, individually; Kimberly Dorsey, individually; and Kate Ferlic as Guardian Ad Litem for K.D. and J.D., minors, No. 2:24-cv-0027 MV/DLM, United States District Court, D. New Mexico (May 8, 2025) the Magistrate Judge Recommended:
Insurance Coverage Dispute:
Travelers issued a Commercial General Liability ...
A Heads I Win, Tails You Lose Story
Post 5062
Posted on April 30, 2025 by Barry Zalma
"This is a Fictionalized True Crime Story of Insurance Fraud that explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is designed to help everyone to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the Perpetrators than any Other Crime."
Immigrant Criminals Attempt to Profit From Insurance Fraud
People who commit insurance fraud as a profession do so because it is easy. It requires no capital investment. The risk is low and the profits are high. The ease with which large amounts of money can be made from insurance fraud removes whatever moral hesitation might stop the perpetrator from committing the crime.
The temptation to do everything outside the law was the downfall of the brothers Karamazov. The brothers had escaped prison in the old Soviet Union by immigrating to the United...