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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2 hours ago
Supreme Court of Louisiana Removes Judge

Judge Who Lied to Get Elected Cannot Serve
Post 5245

Read the full article at https://lnkd.in/g7MkYfq5, see the video at https://lnkd.in/g9EbtuUC and at https://lnkd.in/grHpMXUB, and at https://zalma.com/blog plus more than 5200 posts.

In In Re: Judge Tiffany Foxworth-Roberts, No. 2025-O-01127, Supreme Court of Louisiana (December 11, 2025) the Louisiana Supreme Court in an opinion by Chief Justice Weimer dealt with the recommendation of the Judiciary Commission of Louisiana (Commission) that Judge Tiffany Foxworth-Roberts be removed from office for:

1. making false and misleading statements regarding her judicial campaigns;
2. making false and misleading statements to police investigating the reported burglary of her car; and
3. withholding information and providing false, incomplete, or misleading information during the investigation by the Office of Special Counsel (OSC), as well as in the proceedings before the Commission.

KEY FACTS

Complaint & Investigation:

In May 2021, an anonymous complaint led to an investigation that the judge made false and misleading statements during judicial campaigns about military service — claiming to be a U.S. Army captain and combat veteran of Desert Storm, Iraq, and Afghanistan, when she actually served stateside as a nurse and was honorably discharged as a first lieutenant.

In addition she made false and misleading statements to police regarding a reported car burglary, including misrepresenting the location of the incident and withheld information and provided false, incomplete, or misleading information during the OSC investigation and Commission proceedings.

The Commission found that the statements regarding Respondent's military service were false and misleading in several ways:

1. serve in any capacity during Operation Desert Storm, which took place in 1991, when she was only 16 years old.
2. her claim that she was a veteran of three wars gave the false impression that she served in combat areas overseas. She did not.
3. her claim that she obtained the rank of captain in the Army was also false and misleading.
4. her pattern of misleading information extended to the investigation of the car burglary and subsequent insurance claim.
5. her initial failure to disclose the USAA claim, her misleading statements regarding the location of the burglary, her failure to mention the additional insurance claim, and her contradictory explanations all indicated that she withheld information or provided inaccurate information.

FINDINGS

The Commission found clear and convincing evidence of repeated dishonesty, lack of candor, and attempts to mislead the public, police, insurance company, and the Commission itself.

LEGAL PRINCIPLES & VIOLATIONS

Code of Judicial Conduct Violations:

Violations of Canons 1, 2(A), 7(A)(9), 7(B)(1), and 7(B)(2), which require judges to uphold integrity, avoid impropriety, and be honest in campaign representations.

Louisiana Constitution Article V, § 25(C):

Provides grounds and procedures for judicial discipline, including removal from office for misconduct proven by clear and convincing evidence.

Purpose of Discipline:

The primary goal is to protect the public and preserve the integrity of the judiciary, not merely to punish the judge.

OUTCOME
Removal from Office:

The Supreme Court adopted the Commission’s recommendation, ordering Judge Tiffany Foxworth-Roberts’s removal from office, barring her from qualifying for judicial office for five years, and requiring reimbursement of investigation costs.

SIGNIFICANCE

The court emphasized that honesty and trustworthiness are essential judicial qualities. Persistent dishonesty, especially in campaign representations and official investigations, irreparably damages public confidence in the judiciary and warrants the most severe sanction—removal from office.

Respondent's misconduct constitutes a severe and irreparable impact on the integrity of and respect for the judiciary. Here, Respondent has gone beyond mere misrepresentation that misled the public: she created a campaign sign falsely stating that she was an Army captain, paid for multiple campaign ads that reiterated this untruth, falsely conveyed to voters that she was a combat veteran of three wars, and lied to the police about where the burglary of her car occurred, despite the investigating officer's words inviting clarification.

ORDER

The Supreme Court ruled that Respondent, Judge Tiffany Foxworth-Roberts be immediately suspended and disqualified from exercising any judicial functions.

ZALMA OPINION

Judges whose job is to provide justice to the public must be as clean and pure as Ceasar's wife. To blatantly commit insurance fraud and create a situation of stolen valor claiming to be a combat veteran in multiple areas around the world when she actually served as a nurse in the United States, never achieved a rank greater than lieutenant when she claimed to be a Captain, and lied during the investigation of Judiciary Commission caused the Supreme Court to remover her from office and purged the judiciary of any taint.

(c) 2025 Barry Zalma & ClaimSchool, Inc.

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00:09:05
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2 hours ago
Qui Tam Action Resolved Against CVS Entities for $37.76 million

CVS Settles Fraud Allegations with the US, Multiple States & Cities

Post 5246

Read the full article at https://lnkd.in/gWPTErTV, see the video at https://lnkd.in/gcmb4USM and at https://lnkd.in/gZcEHcZ9, and at https://zalma.com/blog plus more than 5200 posts.

False Claims Act Claims Resolved by CVS

In United States Of America v. CVS Pharmacy, Inc. et al, Nos. 18 Civ. 3047 (JGK), 19 Civ. 1550 (JGK), 19 Civ. 8454 (JGK), 19 Civ. 11244 (JGK), 20 Civ. 2173 (JGK), 18 Civ. 3047 (JGK), United States District Court, S.D. New York (December 1, 2025) Honolable John G. Koeltl United States District Judge concluded that Relators filed the above-captioned multiple actions against defendant CVS Pharmacy, Inc. (“CVS”) and other entities on behalf of the United States under the qui tam provisions of the False Claims Act, 31 U.S.C. § 3729 et seq., on behalf of 30 states, the District of Columbia, Puerto Rico, and the Virgin Islands under comparable state false claims and insurance fraud laws, and on behalf of six ...

00:07:35
December 17, 2025
Supreme Court of Louisiana Removes Judge

Judge Who Lied to Get Elected Cannot Serve
Post 5245

Read the full article at https://lnkd.in/g7MkYfq5, see the video at https://lnkd.in/g9EbtuUC and at https://lnkd.in/grHpMXUB, and at https://zalma.com/blog plus more than 5200 posts.

In In Re: Judge Tiffany Foxworth-Roberts, No. 2025-O-01127, Supreme Court of Louisiana (December 11, 2025) the Louisiana Supreme Court in an opinion by Chief Justice Weimer dealt with the recommendation of the Judiciary Commission of Louisiana (Commission) that Judge Tiffany Foxworth-Roberts be removed from office for:

1. making false and misleading statements regarding her judicial campaigns;
2. making false and misleading statements to police investigating the reported burglary of her car; and
3. withholding information and providing false, incomplete, or misleading information during the investigation by the Office of Special Counsel (OSC), as well as in the proceedings before the Commission.

KEY FACTS

Complaint & Investigation:

In May 2021, an anonymous complaint led to an investigation that the ...

00:09:05
December 17, 2025
Failure to Respond to Complaint was Deemed Culpable and Willful.

Newly Acquired Auto Not Insured if Insurer not Notified Within 30 Days of Acquisition

Post 5244

Read the full article at https://www.linkedin.com/pulse/failure-respond-complaint-deemed-culpable-willful-zalma-esq-cfe-yqbzc, see the video at and at and https://zalma.com/blog plus more than 5200 posts.

Insured’s Error Eliminated Coverage

In Selective Insurance Company Of South Carolina v. KS Automotive, LLC d/b/a KS Automotive, et al., No. 2:25-cv-02985-JDW, United States District Court, E.D. Pennsylvania (December 8, 2025) Selective Insurance Company of South Carolina issued a commercial auto insurance policy to KS Automotive LLC (and its related entities) for the period September 27, 2023, to September 27, 2024. The policy covered three types of vehicles: those specifically listed, hired vehicles, and non-owned vehicles used in KS Auto’s business. If KS Auto acquired a new vehicle, it had to ...

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December 15, 2025
Zalma’s Insurance Fraud Letter – December 15, 2025

Zalma’s Insurance Fraud Letter

Read the full article at https://lnkd.in/dG829BF6; see the video at https://lnkd.in/dyCggZMZ and at https://lnkd.in/d6a9QdDd.

ZIFL Volume 29, Issue 24

Subscribe to the e-mail Version of ZIFL, it’s Free! https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D

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/

Zalma’s Insurance Fraud Letter

Merry Christmas & Happy Hannukah

Read the following Articles from the December 15, 2025 issue:

Read the full 19 page issue of ZIFL at ...

October 31, 2025
The Zalma Philosophy of Claims Handling – Part 9

The Professional Claims Handler
Post 5219

Posted on October 31, 2025 by Barry Zalma

An Insurance claims professionals should be a person who:

Can read and understand the insurance policies issued by the insurer.
Understands the promises made by the policy.
Understand their obligation, as an insurer’s claims staff, to fulfill the promises made.
Are competent investigators.
Have empathy and recognize the difference between empathy and sympathy.
Understand medicine relating to traumatic injuries and are sufficiently versed in tort law to deal with lawyers as equals.
Understand how to repair damage to real and personal property and the value of the repairs or the property.
Understand how to negotiate a fair and reasonable settlement with the insured that is fair and reasonable to both the insured and the insurer.

How to Create Claims Professionals

To avoid fraudulent claims, claims of breach of contract, bad faith, punitive damages, unresolved losses, and to make a profit, insurers ...

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October 20, 2025
The Zalma Philosophy of Claims Handling – Part I

The History Behind the Creation of a Claims Handling Expert

The Insurance Industry Needs to Implement Excellence in Claims Handling or Fail
Post 5210

This is a change from my normal blog postings. It is my attempt. in more than one post, to explain the need for professional claims representatives who comply with the basic custom and practice of the insurance industry. This statement of my philosophy on claims handling starts with my history as a claims adjuster, insurance defense and coverage lawyer and insurance claims handling expert.
My Training to be an Insurance Claims Adjuster

When I was discharged from the US Army in 1967 I was hired as an insurance adjuster trainee by a professional and well respected insurance company. The insurer took a chance on me because I had been an Army Intelligence Investigator for my three years in the military and could use that training and experience to be a basis to become a professional insurance adjuster.

I was initially sat at a desk reading a text-book on insurance ...

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