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Insurance Claims professional presents articles and videos on insurance, insurance Claims and insurance law for insurance Claims adjusters, insurance professionals and insurance lawyers who wish to improve their skills and knowledge. Presented by an internationally recognized expert and author.
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May 06, 2025
Insurance Fraud is a Violent Crime

Murder for Insurance Proceeds Results in Life in Prison

It Is Not Nice to Break Your Wife's Neck to Collect her Life Insurance So You Get Life In Prison

Post 5067

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Insurance fraudster and murder Kenneth Russell Moyer appealed the trial court's denial of his petition for resentencing under Penal Code section 1172.6.  Moyer took issue with the jury's conclusion he was a beneficiary on his wife's insurance policy, his counsel's failure to properly litigate this issue at his first trial and argued his appellate counsel's conclusion he is ineligible for relief under section 1172.6 constituted ineffective assistance of counsel.

In The People v. Kenneth Russell Moyer, C100909, California Court of Appeals, Third District, El Dorado (April 23, 2025) the Court of Appeals kept the killer in jail.

BACKGROUND

The information charged Moyer with murder, conspiracy to commit murder, insurance fraud and attempted escape while felony charges are pending. The information further alleged the special circumstance that the murder was committed for financial gain.

The facts of the underlying the offense are set forth in the appellate opinion from Moyer's prior appeal. (People v. Moyer (Aug. 30, 1996, C019477) [nonpub. opn.] (Moyer).)

Succinctly stated, in this case, a wealthy widow marries an unfaithful man who takes financial advantage of her, leading to her murder.

Shortly after the start of their marriage, Moyer shared his plans with Ross, a former employee who was in prison. The two discussed whether Ross would kill the victim for Moyer when he was released from prison in 1992 by breaking her neck. The plan failed when Ross was denied release.

In September 1992, Moyer and the victim each took out $180,000 life insurance policies. Each policy required a physical examination. Moyer was the beneficiary of the victim's policy. The victim completed her physical examination, and her life insurance policy became effective. That evening a passing motorist reported seeing a car plunge down an embankment. The motorist found the victim dead in the driver's seat, covered in dried blood. Mitch McLees was semiconscious in the passenger seat but suddenly became alert when paramedics attempted to intubate him. He had no internal injuries and only a small cut.

A pathologist determined that the victim did not die in the car accident but rather died from a broken neck.

McLees testified that he was working in the couple's garage the night of the murder. When Moyer called out to him, he came into the house and found Moyer standing over the victim's body. Moyer told McLees that he had already killed the victim and instructed him to drive somewhere and stage an accident. When McLees refused, Moyer threatened to tell the police that McLees had killed the victim and also threatened his family and fiancée.

After the murder, Moyer hired workers to scrape grout from the tiles in his home's entryway, explaining that he had spilled cherry cough syrup on them. However, when investigators analyzed the grout, they found the victim's blood.

THE TRIAL

McLees was convicted of first degree murder of the victim for financial gain and insurance fraud. The jury convicted Moyer of murder, conspiracy to commit murder and insurance fraud. The jury also found true the special circumstance that the murder was committed for financial gain.

The trial court sentenced Moyer to life without the possibility of parole for the murder, 25 years to life for the conspiracy, and three years in state prison for the attempted escape.

Moyer moved for resentencing and the trial court denied the petition, finding the record of conviction ... was found by the jury to have acted with the intent to kill; therefore, as to both counts, the Petitioner is ineligible for relief as a matter of law and the Court does not find a prima facie showing has been made."

DISCUSSION

Senate Bill No. 1437 added what is now section 1172.6, which allows those convicted of felony murder or murder under the natural and probable consequences doctrine to seek relief.

As to Moyer's murder conviction, the trial court instructed the jury on the elements of murder: that a human being was killed, the killing was unlawful, and the killing was done with malice aforethought. More importantly, the trial court instructed the jury on the special circumstance allegation that the murder was committed for financial gain. The jury found Moyer guilty of first degree murder and found this special circumstance allegation the murder was committed for financial gain true.

As to the factual finding Moyer had the requisite intent to kill. Here the trial court did not err in denying Moyer's petition because he was ineligible for relief as a matter of law based on the jury's special circumstance finding he was the actual killer or he was a direct aider and abettor who had the intent to kill the victim.

ZALMA OPINION

Many in the police, judiciary, and prosecutors believe that insurance fraud is not a violent crime. When a man breaks his wife's neck so he can collect the proceeds of a life insurance policy, the act is as violent a crime as can be conceived. The unmitigated gall of the murderer to first unsuccessfully appeal his conviction and then move to reduce his sentence failed because the evidence was overwhelming and the California Court of Appeal recognized that murder for profit is a serious crime keeping Moyer in Prison for the rest of his life.

(c) 2025 Barry Zalma & ClaimSchool, Inc.

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00:09:41
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18 hours ago
ANTI-SLAPP MOTION SUCCEEDS

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Post number 5291

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The Work of a Court Appointed Receiver is Constitutionally Protected

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February 19, 2026
Who’s On First – an “Other Insurance Clause” Dispute

When There are Two Different Other Insurance Clauses They Eliminate Each Other and Both Insurers Owe Indemnity Equally

Post number 5289

In Great West Casualty Co. v. Nationwide Agribusiness Insurance Co., and Conserv FS, Inc., and Timothy A. Brennan, as Administrator of the Estate of Pat- rick J. Brennan, deceased, Nos. 24-1258, 24-1259, United States Court of Appeals, Seventh Circuit (February 11, 2026) the USCA was required to resolve a dispute that arose when a tractor-trailer operated by Robert D. Fisher (agent of Deerpass Farms Trucking, LLC-II) was involved in a side-impact collision with an SUV driven by Patrick J. Brennan, resulting in Brennan’s death.

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Deerpass Trucking, an interstate motor carrier, leased the tractor from Deerpass Farms Services, LLC, and hauled cargo for Conserv FS, Inc. under a trailer interchange agreement. The tractor was insured by Great West Casualty Company with a $1 million policy limit, while the trailer was insured by Nationwide Agribusiness Insurance Company with a $2 million ...

00:08:46
February 18, 2026
Win Some and Lose Some

Opiod Producer Seeks Indemnity from CGL Insurers

Post number 5288

Read the full article at https://lnkd.in/guNhStN2, see the full video at https://lnkd.in/gYqkk-n3 and at https://lnkd.in/g8U3ehuc, and at https://zalma.com/blog plus more than 5250 posts.

Insurers Exclude Damages Due to Insured’s Products

In Matthew Dundon, As The Trustee Of The Endo General Unsecured Creditors’ Trust v. ACE Property And Casualty Insurance Company, et al., Civil Action No. 24-4221, United States District Court, E.D. Pennsylvania (February 10, 2026) Matthew Dundon, trustee of the Endo General Unsecured Creditors’ Trust, sued multiple commercial general liability (CGL) insurers for coverage of opioid-related litigation involving Endo International PLC a pharmaceutical manufacturer.

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Beginning as early as 2014, thousands of opioid suits were filed by governments, third parties, and individuals alleging harms tied to opioid manufacturing and marketing.

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Endo filed Chapter 11 in August 2022; before bankruptcy it ...

00:08:32
February 19, 2026

Passover for Americans
Posted on February 19, 2026 by Barry Zalma
“The Passover Seder For Americans”

For more than 3,000 years Jewish fathers have told the story of the Exodus of the enslaved Jews from Egypt. Telling the story has been required of all Jewish fathers. Americans, who have lived in North America for more than 300 years have become Americans and many have lost the ability to read, write and understand the Hebrew language in which the story of Passover was first told in the Torah. Passover is one of the many holidays Jewish People celebrate to help them remember the importance of G_d in their lives. We see the animals, the oceans, the rivers, the mountains, the rain, sun, the planets, the stars, and the people and wonder how did all these wonderful things come into being. Jews believe the force we call G_d created the entire universe and everything in it. Jews feel G_d is all seeing and knowing and although we can’t see Him, He is everywhere and in everyone.We understand...

February 19, 2026

Passover for Americans

Posted on February 19, 2026 by Barry Zalma

Read the full article at https://www.linkedin.com/pulse/passover-americans-barry-zalma-esq-cfe-5vgkc.

Available at https://www.amazon.com/Passover-Seder-American-Family-Zalma-ebook/dp/B0848NFWZP/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1584364029&sr=8-4

“The Passover Seder For Americans”

For more than 3,000 years Jewish fathers have told the story of the Exodus of the enslaved Jews from Egypt. Telling the story has been required of all Jewish fathers. Americans, who have lived in North America for more than 300 years have become Americans and many have lostthe ability to read, write and understand the Hebrew language in which the story of Passover was first told in the Torah.

Passover is one of the many holidays Jewish People celebrate to help them remember the importance of G_d in their lives. We see the animals, the oceans, the rivers, the mountains, the rain, sun, the planets, the stars, and the people and ...

January 30, 2026
Anti-Concurrent Cause Exclusion Effective

You Get What You Pay For – Less Coverage Means Lower Premium

Post number 5275

Posted on January 30, 2026 by Barry Zalma

See the video at and at

When Experts for Both Sides Agree That Two Causes Concur to Cause a Wall to Collapse Exclusion Applies

In Lido Hospitality, Inc. v. AIX Specialty Insurance Company, No. 1-24-1465, 2026 IL App (1st) 241465-U, Court of Appeals of Illinois (January 27, 2026) resolved the effect of an anti-concurrent cause exclusion to a loss with more than one cause.

Facts and Background

Lido Hospitality, Inc. operates the Lido Motel in Franklin Park, Illinois. In November 2020, a windstorm caused one of the motel’s brick veneer walls to collapse. At the time, Lido was insured under a policy issued by AIX Specialty Insurance Company which provided coverage for windstorm damage. However, the policy contained an exclusion for any loss or damage directly or indirectly resulting from ...

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