Ethics and the Reservation of Rights
Post 4867
https://www.linkedin.com/pulse/covenant-good-faith-ethical-doctrine-barry-zalma-esq-cfe-mvcnf/
September 5, 2024
Posted on September 5, 2024 by Barry Zalma
See the full video at and at https://youtu.be/yhR2vLQ4vAc
An insurer that reserves its rights under a policy of An insurer that reserves its rights under a policy of insurance will usually raise a request by the insured for independent counsel. However, unless the reservation actually raises the need for the application of the ethical duty of an attorney to avoid representing conflicting interests, there is no obligation to retain independent counsel. If that duty exists independent counsel is required. If there is no conflict the insurer may assert its right to control the defense of the insured with counsel of its choice.
FACTUAL BACKGROUND
In Federal Insurance Company v. MBL, Inc., 219 Cal.App.4th 29, after soil and groundwater ...
Insurance License Revoked After Conviction for Wire Fraud
Post number 5327
Insurance Agent Complains When He Loses License After Convicted of Wire Fraud
See the video at https://lnkd.in/gcp-3A56 and at https://lnkd.in/gsWW67S9, plus more than 5300 posts.
In Susan Ochs, Commissioner, New Jersey Department Of Banking And Insurance v. Robert W. Mania, and Heidi Ann Mania, and RHM Benefits, Inc., No. A-3346-23, Superior Court of New Jersey, Appellate Division (April 15, 2026) Robert W. Mania, along with Heidi Ann Mania and RHM Benefits, Inc., were subject to a final agency decision issued on May 22, 2024, by the Commissioner of the New Jersey Department of Banking and Insurance (DOBI). The Commissioner revoked Mania’s insurance license and imposed a $16,012.50 penalty for violations of the Insurance Producer Licensing Act (IPLA), specifically N.J.S.A. 17:22A-40(a).
FACTUAL BACKGROUND
Mania appealed the decision, challenging the validity and severity of the sanctions.
Robert was a licensed insurance producer in New...
Post number 5326
See the video at https://rumble.com/v78l8tq-abuse-of-process-and-use-of-ai-upsets-usdc-for-washington-dc.html and at https://youtu.be/_POUCvB9WYc
International Litigation Unfounded
In Zavadovsky v. Republic of Austria, et al., Civil Action No. 25‑1008 (RC)
United States District Court, District of Columbia, Judge Rudolph Contreras
Decided March 31, 2026 concerning allegations that in 2021, Austrian authorities investigated Plaintiffs based on testimony concerning Plaintiffs’ alleged tax and insurance fraud. searched their Austrian property, and seized assets.
Plaintiffs claimed the investigation was false and abusive. After unsuccessfully litigating related claims in multiple state and federal courts, Plaintiffs filed the present action alleging a sweeping transnational conspiracy among Austrian officials, U.S. government employees, and private attorneys.
Plaintiffs asserted claims for conversion, defamation, intentional infliction of emotional distress (IIED), and civil RICO/RICO conspiracy, and sought...
Anger Against Austria for Seizing Plaintiffs’ Assets for Fraud Resulted in International Litigation
Post number 5326
See the video at and at
International Litigation Unfounded
In Zavadovsky v. Republic of Austria, et al., Civil Action No. 25‑1008 (RC)
United States District Court, District of Columbia, Judge Rudolph Contreras
Decided March 31, 2026 concerning allegations that in 2021, Austrian authorities investigated Plaintiffs based on testimony concerning Plaintiffs’ alleged tax and insurance fraud. searched their Austrian property, and seized assets.
Plaintiffs claimed the investigation was false and abusive. After unsuccessfully litigating related claims in multiple state and federal courts, Plaintiffs filed the present action alleging a sweeping transnational conspiracy among Austrian officials, U.S. government employees, and private attorneys.
Plaintiffs asserted claims for conversion, ...
ZIFL – Volume 30, Issue 7 – April 1, 2026
THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL
Post number 5314
Posted on April 1, 2026 by Barry Zalma
Zalma’s Insurance Fraud Letter (ZIFL) continues its 30th 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/ This issue contains the following articles about insurance fraud:
No One is Above the Law – Not Even a Police Officer
Police Officer Convicted for Fraud in Reporting an Accident Affirmed
Police Officer Should never Lie about Results of Chase
In State Of Ohio v. Anthony Holmes, No. 115123, 2026-Ohio-736, Court of Appeals of Ohio, Eighth District, Cuyahoga (March 5, 2026) a police officer appealed criminal conviction as a result of lies about a high speed chase.
Read the following article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2026/03/ZIFL-04-01-2026-1.pdf...
ZIFL – Volume 30, Issue 7 – April 1, 2026
THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL
Post number 5314
Posted on April 1, 2026 by Barry Zalma
Zalma’s Insurance Fraud Letter (ZIFL) continues its 30th 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/ This issue contains the following articles about insurance fraud:
No One is Above the Law – Not Even a Police Officer
Police Officer Convicted for Fraud in Reporting an Accident Affirmed
Police Officer Should never Lie about Results of Chase
In State Of Ohio v. Anthony Holmes, No. 115123, 2026-Ohio-736, Court of Appeals of Ohio, Eighth District, Cuyahoga (March 5, 2026) a police officer appealed criminal conviction as a result of lies about a high speed chase.
Read the following article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2026/03/ZIFL-04-01-2026-1.pdf...
Posted on March 30, 2026 by Barry Zalma
Insurance Fraud, a Way to Reduce Violent Crime
Post number 5313
A Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story helps 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.
She Taught Her Customers The Swoop And Squat:
Recently the California Insurance Department’s Fraud Division arrested a young woman in Los Angeles County for operating an insurance fraud school. She advertised her classes in the “Penny Saver” an advertising sheet distributed free to the public and a print version of Facebook, X Craig’s list. She had operated for several years teaching methods of committing automobile insurance fraud. Only after a police officer enrolled in one of her classes was she arrested.
Her defense ...
