Zalma on Insurance
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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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August 05, 2025
Senator & Wife’s Guilty Verdict Sustained

Selling Office of US Senator is an Unforgivable Crime

Post 5161

See the full video at https://lnkd.in/gvGJ2nBW and at https://lnkd.in/gxw-mmBB, and at https://zalma.com/blog plus more than 5150 posts.

Go Directly to Jail, Do Not Pass Go, Claim of Innocence Unbelievable

SUMMARY OF THE CASE

Nadine Menendez, along with then-Senator Robert Menendez, Wael Hana, Jose Uribe, and Fred Daibes, was indicted for participating in a bribery scheme. The charges included conspiracy to commit bribery, honest services wire fraud, extortion under color of official right, and obstruction of justice. Both were found guilty at trial. Mrs. Menendez moved to overturn the jury verdict.

In UNITED STATES OF AMERICA v. NADINE MENENDEZ, No. (S4) 23-Cr-490 (SHS), United States District Court, S.D. New York (July 31, 2025) the USDC upheld the convictions after a lengthy analysis of issues raised by Ms. Menendez.

KEY POINTS

  • Bribery and Corruption:

    The evidence presented was sufficient to prove a corrupt quid pro quo involving official acts related to the Egypt scheme, New Jersey state criminal matters, and the Daibes federal prosecution scheme.

  • Menendez promised to sign off on a foreign military sale to Egypt and exerted pressure on the USDA to favor IS EG Halal Certifiers Inc., a company owned by Hana.

  • Payments and benefits received included mortgage payments, consulting fees, and a Mercedes-Benz convertible .

  • Obstruction of Justice:

    Menendez and Nadine Menendez attempted to obstruct justice by creating false documents and transmitting false information to the grand jury.

    They fabricated a cover story that payments received were loans, not bribes .

  • Conspiracy to Act as an Agent of a Foreign Principal:

    Menendez acted as an agent of Egypt by sharing sensitive information and assisting Egyptian officials in various ways.

    The evidence showed Menendez’s shift in public position to be less critical of Egypt and his involvement in meetings and communications with Egyptian officials .

  • Venue and Legal Proceedings:

    The court found that venue was proper in the Southern District of New York for all counts.

    The court denied Nadine Menendez’s motion for a judgment of acquittal and a new trial, finding no manifest injustice.

  • Multiplicitous Counts:

    Counts 1 and 15 were found to be multiplicitous, and judgment was imposed on only one of these counts .

Conclusion

The court upheld the jury’s verdict, finding sufficient evidence to support the convictions on all counts. The motion for a new trial was denied, and the court emphasized the importance of ensuring justice and maintaining the integrity of the legal process .

Defendant’s motion for a judgment of acquittal pursuant to Federal Rule of Criminal Procedure 29 was denied on the ground that the evidence at trial was more than sufficient to sustain her conviction on all counts; in addition, defendant’s motion for a new trial pursuant to Federal Rule of Criminal Procedure 33 was denied on the ground that defendant has failed to identify any injustice – let alone a manifest injustice – requiring a new trial.

ZALMA OPINION

Senator and Mrs. Menendez engaged in multiple schemes with, among others, the government of Egypt that allowed them to gain money and gold bars in exchange for favorable action in the US Senate. The Crime was egregious and the convictions were rendered by the jury after hearing convincing evidence. Although the opinion is lengthy none of the claims made by Mrs. Menedez for a new trial or an acquittal were convincing.

(c) 2025 Barry Zalma & ClaimSchool, Inc.

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00:06:36
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September 05, 2025
Interpleader Helps Everyone Potential Claimant to Insurance Proceeds

Interpleader Protects All Claimants Against Life Policy and the Insurer

Who’s on First to Get Life Insurance Proceeds

Post 5184

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...

00:06:34
September 05, 2025
Demands for Reasons for Termination not a “Claim”

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 ...

00:08:22
September 04, 2025
Demands for Reasons for Termination not a “Claim”

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 ...

00:08:22
September 03, 2025

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 ...

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September 03, 2025
Barry Zalma, Esq., CFE Insurance Claims Expert Witness

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 ...

post photo preview
September 03, 2025
Evidence Required to Prove Breach of Contract

APPRAISAL AWARD SETS AMOUNT OF DAMAGES RECOVERED FROM INSURER

Post 5180

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 ...

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