The Underwriter's Insider March 2015 by The Underwriter's Insider

Features 4 7 9 10

Drones Reshaped Forever By New UniBody Technology

12 14

Obamacare’s Woes Continue To Grow - OP/Ed By Spencer A. Lehman, RHU

North Carolina Insurance Agent Arrested On Embezzlement Charges

28 Classifieds

14 15

32 Say What?

15 16

What Are The Ten Safest Cars - And The Ten Deadliest Cars On The Road?

34 Back Issues

16 18

California Notifies Insurers To Cease Illegal Pricing

5 Advertising 9 Kim Komando 22 Inside Track 27 Insider Advisor

News TomTom Reveals Future Of Mapping As It Relates To Driver-less Cars Three Places Better Than Craigslist To Buy & Sell - By Kim Komando Claim Against Broker Can Be Assigned - Expert Analysis & Commentary By Barry Zalma, Esq.

Georgia’s Insurance Commissioner Hudgens Issues Life Insurance Scam Warning

Former Muslim Says President Obama’s Ideas About ISIS Being NonIslamic Are Nonsense

Creekmore Releases Important Update To Popular Creekmore Advisor Quoter - Now Even Better

Google vs Insurance Brokers. Powerful New Auto Insurance Rate Comparision App May Spell Decline Of Auto Insurance Agents

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News 19 19

Florida P.I.P. Fraud Clinic Busted Operated By Non-Licensed Individuals

21 21 22

Former Wells Fargo Affiliate To Pay $4 Million For NY Violations

22 27 32 32 33 36 36

Florida Named 4th Worst Judicial “Hell Hole”

Georgia Insurance Commissioner Hudgens Recovers $8.5 Million In Claims For Consumers

Market For Auto Tag Recognition Systems Growing Rapidly CNN Poll: 78% Favor Military Authorization Against ISIS - Break From Obama’s Position

The Advisor: Hillary’s Big Problem: Character & Judgement Knucklehead Of The Month Award: Marie Elizabeth Harf Rudy Giuliani: President Obama Doesn’t Love America. Right Or Wrong? President Obama: Don’t Get On Your High Horse - ISIS Ain’t So Bad! Daredevil Mikesell Soars Over The Swiss Alps In A Wingsuit - See The Vid! Guardrail Controversy: Sold As Safe, The Guardrails Sometimes Pierce Vehicles With Horrible Results Mississippi Issues Consumer Alert Following Arrest Of Insurance Agent

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Sponsors 4 6 7 8 17 20 18 22 26 26 27 38 39 40 37 40

JMJ Brokers Modern Insurance Consultants QQ Solutions H.O.P.E. St. James Insurance Company Clearwater Underwriters Accu-Auto NASA - Eclipse Agency Mgt. Accu-Auto SLB Group Encore HR Personnel Solutions Barry Zalma, Esq. The Towing & Rental Group FYI Georgia View & News Orrin R. Beilly, Esq. Financemaster

Cover Photo: © R. Manera

DRONES RESHAPED FOREVER BY NEW UNI-BODY TECHNOLOGY FUTURISTIC FRAMELESS DESIGNS REPLACE ‘MODEL-T’ ROTORS

AS Directions is a startup bent on thinking from unexpected directions. Over the past 16 months they have pored their unique design philosophy into developing their 3D multi-rotor uni-bodies. They believe the launch of their first "frameless" concept will put an end to framed multi-rotors, or as they label them, 'model -T-rotors'.

"Flight systems are evolving fast, but everyone's following everyone else with the same basic frame layout. No one seems to be addressing the limitations and inherent safety flaws in their shape and exposed propellers. What if a drone could take on any 3D shape? Our patent pending innovation is like driving a new BMW to Henry Fords unveiling of the Model T in 1908", says Aaron Weller, Founder of UAS Directions. "If we hope to gain acceptance of a safety conscious public, we have to address these safety issues. Our first uni-body platform, the Droplet V1, will change our industry permanently. The Droplet design speaks from the 4

psychological vantage point of people who will come into close contact with drones. No one wants a "spider looking" blender on steroids delivering their future Amazon or DHL package or photographing over their heads at an event. I don't...and

Christmas promotion. (Fox News, Dec. 10, 2014) "We want to protect that curious child from getting their fingers chopped off or territorial birds of prey from being maimed by exposed propeller blades", says Weller. "I believe if you can't wrap your hands around a multirotor drone under full power, then it just isn't practical."

The Droplet's internal cargo bay can hold deliverable packages, cameras and sensor equipment. Due to the fact that it's propellers will not entangled in stringy debris or be disabled by incidental I'm an unmanned aerial pilot of contact from any angle, the 27 years", exclaims Weller. Droplet opens the imagination for indoor and confined space Weller expects waves of public uses that may not be subject to outcry to increase over the safety FAA regulations. of popular airframes such as the DJI Phantom and Vision. Multi- Other features include: rotor propeller tips can travel at significantly muffled sound hundreds or miles per hour and signature, total encapsulation are made of plastic or carbon of internal electronics and fiber. Recent news stories have impact absorption in event of an included a Florida woman being accident. struck and lacerated at a flea market (WESH Orlando, Nov. 17, UAS Directions says this 2014) and a TGI Friday's patron getting the tip of her nose cut off by a quadcopter during a See DRONES Pg 37 The Underwriter’s Insider

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TOMTOM’S BOARD MEMBER REVEALS THE FUTURE OF MAPPING AT TU-AUTOMOTIVE DETROIT 2015

This is in line with one of the angles of this year’s conference which looks into the automation of the connected car and how mapping plays a key part.

n a headline presentation Alain De Taeye, member of the management board at TomTom, will discuss how real-time map updates deliver a greatly enhanced driving experience. He will also take a look to the future and explore how highly accurate digital 3D maps are crucial to deliver near-future use cases such as automated driving.

Head of sponsorship at TUAutomotive, Asif Naqvi, said: “Mapping is such a hot topic in the connected car world at the moment. Having a speaker of Alain’s level from one of the leading companies in mapping will provide invaluable insight to our attendees.”

cross-industry partnerships and game-changing innovations.

TU-Automotive 2015 remains the go-to-hub for learning and networking for all things connected car. This year it will provide a complete road map for impending autonomous vehicle and new mobility options. The TU-Automotive Detroit (June brand new agenda with the 3-4) is the biggest and most hottest speakers in auto tech has comprehensive B2B automotive just been released here: http:// tech. event to date, uniting the www.tu-auto.com/detroit Real-time Mapping industry for two days in Detroit. Now and in the Future It represents the widespread To view the complete conference excitement in the connected car agenda go to - http://www.tuAlain De Taeye of TomTom space with many different players auto.com/detroit/conferencesaid: “In a few years from now, making major announcements, agenda.php cars will simply not be able to function without advanced navigation, supported by the most precise and up to date digital maps.” He continued, “I am very proud and excited to have the opportunity to share TomTom’s vision on the future of highly automated driving vehicles during what is shaping up to be one of the industry leading events.”

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MARCH 2015 A Publication of AdMax Corp Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Senior Editor 561.718.0745 • ron@insurmedia.com © Entire Contents 2015 AdMax Corp

To best navigate The Insider, begin with the Table of Contents and select your topic. On the bottom of most pages is a Table of Contents link that will immediately return you for your next topic selection. EVERY SPONSOR AD LINKS DIRECTLY TO THE SPONSOR’S WEBSITE. CLICK ON ANY AD TO VISIT OUR FINE SPONSORS!

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3 PLACES BETTER THAN CRAIGSLIST TO BUY AND SELL

Android and Apple gadgets. It lets you scan in your ID, so the website can verify your identity for other users on the site. Items sold by TruYou-verified sellers have a blue highlight.

There’s also a rating system, so buyers and sellers can let the rest hen you want to buy transactions and getting robbed of the community know what they or sell something or worse. That’s why it’s essential thought about a transaction. Was used online, your to meet in a public place and let your item described accurately? first thought might be to use someone know where you’re Was the other person friendly? Craigslist. After all, it’s the site going - or bring them along. This is the place to let everyone that brought the newspaper know what to expect. classifieds into the digital world Fortunately, Craigslist isn’t the and today has nearly 40 million only game in town. Here are three Buying is really easy with new listings every month. sites that fix Craigslist’s biggest OfferUp. If you like something, problems. just click on it to be taken to the Of course, using Craigslist does item page. From there, you can have valid concerns. You might make an offer. You’ll see the price A Safer Craigslist deal with a buyer or seller who tries the owner is asking for next to to cheat you with bad payment If safety is your primary concern, the item, but you might be able or an item that’s different than then OfferUp is where you should to talk them down. If the seller what was listed. There are start. It created the innovative accepts your offer, you can set up a lot of stories of TruYou system to verify a time and place to meet up and people meeting the identity of buyers get your stuff. a buyer or and sellers. seller to Selling is simple, too. Using the f i n i s h The TruYou app, you can take a picture of the

Really Cool Info - by Kim Komando

s y s t e m works with the site’s app for

item you want to sell, add details like your asking price and upload it. The whole process is done in no time.

Buy and sell like-new clothes from brands you love Used clothes aren’t something you’d normally want to buy online, especially from Craigslist. You never know

See Kim Komando Pg 39 www.underwritersinsider.com

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CLAIM AGAINST BROKER CAN BE ASSIGNED

Expert Analysis & Commentary by Barry Zalma, Esq.

t is almost common for a plaintiff who gets a large judgment against a tortfeasor that cannot be collected to enter into an agreement with the defendant to not execute upon the judgment in exchange for an assignment of the defendants claims against its insurer. It is unusual, however, for the insurer to go broke before the suit can be resolved. The assignee then sought recovery against the insurance broker who placed the insurance with the insolvent insurer. Just such a situation was presented to the Tennessee Court of Appeal in Littleton v. TIS Insurance Services, Inc., after the trial court granted a judgment to the broker.

amount of $3.2 million. The Merit Litigation arose out of a contract between JAG and Merit for the construction of a Holiday Inn Express hotel in Loudon, Tennessee.

Barry Zalma, Esq., CFE is a California attorney specializing in insurance coverage, insurance claims handling and fraud who serves as a consultant and expert for insurers and policyholders. He founded Zalma Insurance Consultants in 2001 and serves as its senior consultant. He recently published an e-book, “Getting The Whole Truth,” which is available at his Web site, www.zalma.com. Go to Zalma Books at http://www.zalma.com/zalmabooks. htm.

insurance coverage claims. The trial court entered judgment FACTS on the pleadings in favor of the insurance broker on the ground During a prior lawsuit, a that the current plaintiffs would construction company – in not be entitled to recover any exchange for a covenant not to compensatory damages at trial. execute against the company’s assets – assigned to the entity The plaintiffs appeal. that obtained a judgment against it the company’s The plaintiffs, Joy Littleton, Join Barry Zalma’s new Blog:

http://www.zalma.com/blog

The final judgment references the settlement agreement between JAG and Merit and the covenant not to execute on the judgment.After entry of the judgment, JAG was able to collect only a portion of its $3.9 million judgment against Merit because Merit’s Commercial General Liability (“CGL”) carrier, the Highlands Insurance Group (“Highlands”), was placed in receivership by the State of Texas during the pendency of the Merit Litigation. TIS Insurance Services, Inc. (“TIS”) was Merit’s insurance broker and the entity that placed Merit’s CGL coverage with Highlands.

The current action was filed on January 28, 2011, seeking recovery from TIS of the unpaid balance of the judgment (approximately $2.67 million). TIS filed a motion for judgment on the pleadings, on October 12, 2012, the trial court Grayling Littleton, and Will granted the motion and held Allen Hildreth (“the Assignees”) “that the [Assignee]s’ claim for were assigned a judgment compensatory damages which and settlement order in the they may seek in the trial of this cause is limited to the

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$25,000 actually paid by Merit Construction in this matter.” The Assignees, accordingly, are entitled to assert a claim ISSUE against TIS for $2,701,607.67, the uncollected balance of the The issue before the court of judgment against Merit. appeal is whether the trial court erred in entering judgment on ZALMA OPINION the pleadings in favor of TIS on the ground that the Assignees The assignment was an would not be entitled to recover assignment of all rights the any compensatory damages at original defendant had against its trial. insurer and everyone involved in the acquisition of the policy. The DISCUSSION broker convinced the trial court that there was a limitation upon The trial court’s ruling is what could be recovered and directly contrary to our that the assignment was limited holding in Tip’s Package Store, by the covenant not to execute. Inc. v. Commercial Insurance Finding that the covenant was Managers, Inc., in which we merely a contractual assignment held that a judgment creditor’s and not a release, the broker was covenant not to execute on a exposed to the entire amount judgment debtor’s assets does of the judgment assigned. Of “not extinguish the underlying course, that does not resolve the liability” of the judgment debtor situation since the assignees still for compensatory damages. need to prove responsibility of The judgment debtor is “an the agent to the original insured injured party” that can pursue and knowledge that Highlands a negligence claim against its was not financially stable, a insurance provider for procuring difficult mountain to climb. a liability policy that allowed a gap in coverage. In light of our decision in Tip’s, JAG’s covenant not to execute on the judgment This Month: Two For against Merit does not extinguish One! Zalma Tackles One the underlying liability of Merit Intricacy of an Insuror’s under the judgment. Duty to Defend: A covenant not to execute is merely a contract. It is not a release. Covenants not to execute are different from releases, as the legal liability remains in force against those who have covenants, whereas a release represents “total freedom from liability.” Gray v. Grain Dealers Mut. Ins. Co., www.underwritersinsider.com

Duty to Defend Not Effected by Denial of Motion for Summary Judgment

policy wording. Usually, an order denying a motion for summary judgment seeking an order that there is no duty to defend will usually be sufficient to reveal the potential for coverage and a requirement for defense – at least under a reservation of rights – to those insured. In McMillin Companies, LLC v. American Safety Indemnity Company, — the right to claim no duty to defend will still exist even after a motion for summary judgment is denied if the motion order is not dispositive of the claims made by the motion for summary judgment. It also criticized the use of a motion in limine (to limit testimony allowed at trial) when it had the effect of a motion for summary judgment without the protections of a motion for summary judgment.

FACTS The parties cross-appeal from a final judgment of the superior court in an insurance coverage dispute between a general contractor and the commercial general liability insurer of one of its subcontractors.

ISSUES IN THE CROSS–APPEALS The Present Insurance Coverage Litigation

In February 2009, eight McMillinrelated entities (but not McMillin) filed the underlying The duty to defend owed by an complaint against ASIC and 11 insurer is very broad and requires other insurance companies. an insurer to defend even if there The plaintiffs alleged that is only a potential for coverage on the facts of the case and the See ZALMA Page 24

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OBAMACARE’S WOES CONTINUE TO GROW

OP/ED BY SPENCER A. LEHMANN, RHU

t is becoming the norm for President Obama, in his desperation to get enrollees onto the UnACA (Un-Affordable Care Act) to delay, or extend, or somehow manipulate the law to his own advantage in order to try to validate this massive mistake in Health Care Reform, and this month, the original end date of the 2015 Open Enrollment is no exception. The folks at Obama’sCare have now announced that there will be a “Special Enrollment Period” from March 15 to April 20, 2015 ‘only’. Ha! We will see if that holds true in 2016. [HERE] Considering that the IRS, Obama’s chief ACA enforcement arm, has already this year harmed One Million Americans in completely fouling up the tax returns for 800,000 (that’s 800 THOUSAND) Taxpayers throughout America. Forbes, February 20, 2015: “Today, the Obama administration announced that it sent out about

800,000 bad tax statements. The specific tax statement is form 1095-A, which is issued to those who purchased health care coverage through the Marketplace. The form 1095-A includes information about health care premiums paid and is used to calculate, among other things, your premium health care credit…

Spencer A. Lehmann is a Registered Health Underwriter (RHU), whose company, Lehmann/Wood & Associates, Inc., specializes in Group and Individual Long Term Care insurance and Medicare Supplemental Coverage. Mr. Lehmann retired from his company in 2005 and now spends his time writing on Health Care Insurance and Political Issues, both of which have encompassed over 40+ years of his life. He has been an actively involved member of the National Association of Health Underwriters (NAHU) since 1978, and serves on the Board of Directors of several Charitable Organizations’ helping Special Needs Children, and Inner-City Children to experience and participate in the world of the Arts and Music. In his free time he plays golf with his wife, Fran, who usually wins.

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Here’s where things went awry this filing season. Some forms 1095-A included the monthly premium amount of the second lowest cost Silver plan for 2015 instead of 2014…. If your form is incorrect, you’ll get a call and an email from the Marketplace. There will also be a message in your Marketplace account on HealthCare.gov. When your corrected form is ready, you’ll similarly be notified…. Here’s the bad news (as if that’s not bad enough already): those corrected forms should be available by early March, not in the next day or so. March. And since the information could potentially affect tax credits and therefore, tax refunds, taxpayers who received the bad tax statements are The Underwriter’s Insider

being asked to wait to file 2014 federal income tax returns.” [HERE] From the same article: “The situation is similarly grim for taxpayers in California. Forms 1095-A generated by Covered California have problems, too. About 100,000 – or 1 in 8 of those covered by Covered California – received a bad tax statement in 2015. In this case, errors weren’t just limited to premium costs. Bad data on the forms include the wrong dates of coverage, errors in reporting the number of family members enrolled and policy changes. Covered California spokesman James Scullary acknowledged the error, offering an apology “for any inconvenience.” Unlike the federal snafu, California appears to have known about the problem beforehand. Covered California spokesperson Dana Howard told local media station KPIX 5 that there were discrepancies but forms were mailed out

FREE CLASSIFIEDS!

anyway, to beat the February 2nd deadline. He said about the decision, “We did not want to hold up sending out the 1095s to everybody, so that we can correct those that we did have.

being fed, that ObamaCare is a success. It is not. It is already a miserable failure that has left vast Millions of Americans now uninsured, or unable to access Health Care because of the large and unaffordable deductibles, than before this All total, nearly 1 million “Trainwreck” began moving people may have delayed down the tracks. It is no wonder refunds due to bad forms 1095-A. It’s not an auspicious See ObamaCare- Page 30 beginning for Obamacare’s big tax debut: this is the first year that Marketplace premiums are linked to tax returns.” Apparently, California felt it was easier to “inconvenience” 100,000 people than to issue correct forms a little later.” Yes, you read that right. California, as with the National ObamaCare decision makers who do nothing not approved by Mr. Obama or his mouthpieces, have no problem in inconveniencing the Taxpayers if it means that they can maintain the lie that the UnACA is working. It is not working. No American capable of independent thought will buy into the nonsense we are

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HUDGENS ISSUES LIFE INSURANCE SCAM WARNING

tlanta – Insurance Commissioner Ralph Hudgens issued a warning to Georgians today to be on alert for telephone calls from individuals claiming to have life insurance proceeds available to them for a fee. An initial investigation by Hudgens’ Fraud Unit has determined that the calls are fraudulent and part of a scam to separate you from your hard earned money.

of pre-paid money cards to immediately reinstate the policy. • The scammer explains that the transaction will need to be completed within a few hours and that they will call you back at a specific time. You are then told to go to a CVS or Rite Aid pharmacy and pick up various numbers of Green Dot’s MoneyPak cards and upload different amounts of money onto each card.

INSURANCE AGENT ARRESTED FOR ALLEGED EMBEZZLEMENT

ALEIGH -Insurance Commissioner Wayne Goodwin today announced the arrest of Amneris Deleon, 34, of 2117 Princess Place Drive, Wilmington; she is charged with one count each of embezzlement by an insurance agent and accessing a computer to defraud or obtain property.

“My office • The scammer has received then call you complaints from back at the consumers who designated time were scammed out Commissioner Hudgens and instruct you to of thousands of scratch the back of dollars by individuals claiming the MoneyPak cards and read to to be insurance company them the concealed 14-digit serial representatives,” Hudgens said. numbers.

Department of Insurance criminal investigators accuse Deleon— the owner and operator of ADE Multiservice in Wilmington—of “These low-life scammers are • By reading the concealed number collecting approximately $1,200 telling consumers that their to the scammer, it allows them to from a customer over the course deceased relative had life transfer the money immediately of eight months for a worker's insurance that lapsed, but if an to their account without having compensation policy that did not immediate payment is made the actual cards. exist. Investigators allege that Deleon to reinstate the policy, they will created a fraudulent document to become the beneficiary.” Commissioner Hudgens make it appear as if a valid policy recommends that if you receive existed. Here Is How It Works: a call of this nature to hang up immediately and contact his Deleon was arrested on Jan. 30 in • The scammer instructs you to Consumer Services Division at New Hanover County and released on a $2,500 bond. submit a payment in the form 800-656-2298. 14

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PRESIDENT OBAMA TELLS US THAT ISIS HAS NOTHING TO DO WITH ISLAM - A FORMER MUSLIM SAYS THAT’S NONSENSE...

“

I grew up in Morocco, supposedly a moderate Muslim country, but I still learned at a young age to hate the enemies of Allah, especially the Jews and the Christians. We have been brainwashed to hate all of you, in our sacred texts, in our prayers, in our Friday sermons, in our educational systems. We were ready to join any group that, one day, would fight you and destroy you.” Watch the Vid:

WHAT ARE THE TEN SAFEST CARS ON THE ROAD?

Here are the 10 least safe vehicles on the road:

hile all vehicles have 10. Honda Pilot 4WD SUV become safer over 9. Volvo XC90 4WD SUV the past decade, 8. Toyota Sequoia 4WD SUV there are always winners and 7. Toyota Highlander 4WD SUV losers. SUV’s in particular 6. Subaru Legacy 4WD SDN have become much safer as 5. Mercedes Benz GL 4WD SUV electronic traction and stability 4. Lexus RX 350 4WD SUV control systems employed in 3. KIA Sorento 2WD SUV the vehicles have dramatically 2. Honda Odyssey Minivan decreased the chance of rollover. 1. Audi A4 4WD 4DR SDN

10. Ford Focus 4DR 9. Nissan Versa Hatchback 8. Honda Civic 2DR 7. Chevy Silverado 1500 PU 6. Chevy Camaro Coupe 5. Hyundai Accent 2DR Mini 4. Chevy Aveo 4DR Mini 3. Hyundai Accent 4DR Mini 2. Nissan Versa 4DR SDN 1. KIA Rio 4DR Mini

The survey covers 2011 vehicles because it takes time and miles for sufficient data be be collected to offer credible results. One can be sure that newer models will offer even lower death rates.

With the exception of the Chevy pickup, oddly part of this list, all of the vehicles on this list are smaller and lighter than those on the safe list. There are also no SUVs nor any 4WD vehicles on the unsafe list.

Note that 7 of the ten vehicles are 4WDs and 7 were SUVs. All are on the large size. One can infer that, while these vehicles are indeed safer for the occupants, those unlucky enough to be involved in an accident with large SUVs may suffer more deaths and injuries Here are the ten safest vehicles in the same accident. Now let’s measured by rate of deaths per check the 10 least safe vehicles mile: measured by driver deaths. www.underwritersinsider.com

Want to stay safe on the road? Buy a big SUV with 4WD and the latest electronic stability controls. 15

THE WORLD’S MOST POWERFUL FREE TERM AND UL QUOTER JUST GOT EVEN BETTER

viedo, FL – Life just got easier for independent insurance agents and financial advisors across the nation with version 2.0 of the Creekmore Advisor Quoter.

groundbreaking technology allows financial planners to easily use the latest rates from a wide variety of life insurance products in custom financial modeling and insurance planning scenarios.

For years in-the-know advisors have used Creekmore’s suite of mobile and web quoting tools to get a fast and comprehensive look at life insurance marketplace for their clients.

This technology is being leveraged by advisors to streamline the planning and presentation process in a number of ways, such as:

the combination of qualified retirement plan benefit options with life insurance. • Buy Term and Invest the Difference comparisons

Creekmore Insurance Group is a life insurance Brokerage General Agency serving independent agents and advisors nationwide since 1994. Creekmore offers a complete line of term and • Business continuation planning, permanent life insurance, The latest evolution from to create proposals showing individual disability, and long Creekmore makes it easier multiple individual coverage term care insurance products. than ever for advisors to share options and insurance strategites For more information on the insurance recommendations for a group of key persons or Creekmore Advisor Quoter, with their clients and to use life business owners. contact Matthew Treskovich, insurance pricing data in custom CFP(R), CMA, MBA, CLU, ChFC, • Pension maximization and financial planning and analysis. FLMI at 800-359-5102 x 354 or retirement planning, to optimize Advisors who do business with Creekmore know the value of term and universal life quoting tools that can create reports containing thousands of rates with just one click. These tools Low Income Individuals More have now been extended to include emailable reports that Likely To Fall Victim To Price Optimization are delivered directly to an ACRAMENTO, Calif. - law. advisor’s inbox and can then be Insurance Commissioner Price optimization is used by conveniently edited, branded, Dave Jones today issued insurers to set rates based and forwarded on to clients. a notice to all property and on an individual's or class of The Creekmore Advisor Quoter casualty insurers doing business individuals' willingness to pay 2.0 can also export term and UL in California advising them that a higher premium relative to comparisons directly to Microsoft so-called "price optimization" other individuals or classes. For Excel spreadsheet files. This in ratemaking is unfairly example, if a price optimization indicated that a discriminatory and violates the analysis

CALIFORNIA NOTIFIES INSURERS TO CEASE ILLEGAL PRICING

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consumer in one location was less likely to comparison shop than a consumer in another location, the insurer would charge the first consumer more for an identical policy-even if the two consumers had the exact same risk profile. A study has indicated that lower income individuals are more likely to fall victim to price optimization as they often have fewer choices for insurance coverage and are less likely to shop for lower rates. Commissioner Jones is among the first regulators to take www.underwritersinsider.com

preemptive action in noticing insurers to cease this practice.

maintains a healthy and vibrant insurance marketplace, while making sure consumers remain "It is illegal for protected." an insurer to charge people Because price optimization does different rates not use actuarially sound methods based on their to estimate the risk of loss, its sensitivity to use in the ratemaking process price increases is unfairly discriminatory and or the likelihood violates California law. Insurers they will have utilized price optimization c o m p a r i s o n by applying sophisticated models shop," said that allow them to identify trends Commissioner that predict at what price point Jones. "Price a consumer would terminate his o p t i m i z a t i o n or her policy or comparison shop. r e p r e s e n t s Insurers have relied on these a fundamental threat to complex models to price policies fairness in rating. As insurance based on what they believe a commissioner, I remain consumer will pay, instead of risk committed to ensuring California based factors as required by law.

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GOOGLE VS INSURANCE BROKERS The Program, Now Being Tested In California, May Become A Disruptive Force In The Marketplace As Personal Lines Brokers Struggle To Compete Insurance, Kemper Specialty, device may be destined to be Infinity Auto, Titan Insurance, as disruptive to the personal Stillwater Insurance Group, lines auto insurance industry as MetLife and several others. If the online purchases of airline tickets program is successful (how many and hotel rooms became as it hought Google was your Google failures can you think bypassed travel agents. When friend? Not if you are an of?) it is a certainty many more was the last time you saw a new travel agency opening up? When auto insurance broker insurers will come onboard. was the last time you even in California. The search saw a travel agent? engine giant has launched a new product, Compare, California is only a test an automated, online bed for Compare, but auto insurance shopping the company plans on application easily accessed taking the program to and used by consumers multiple states. Google is to shop and purchase reportedly paid a referral auto insurance - no agent fee for each online sale needed. Experienced, knowledgable made. Presumably there Florida insurance & premium is at least one licensed While electronic finance professional holding agent involved in the comparision rating, even active 2-20 & 2-15 licenses process. online rating that bypasses seeking company rep or relathe local agent, is hardly tionship manager position in According to Google, they news in the auto insurance carrier, MGA or PFC role. Explan to add ratings and business, never has it perienced calling on commerreview for insurers and been brought forth by a cial & personal lines agents. they mention “local agent company as large, powerful Available to travel. Seeking support.” and ubiquitous as Google. salary + commission. The company calls the Google is also developing service a “seamless, intuitive Please contact me at: another disruptive new experience for connecting product, the driverless with your customers online.” Candidate88@yahoo.com car. The concept vehicle Note they are pitching to for further information has already hit the streets carriers not brokers. and resume. as a test prototype - and it has the auto insurance Those companies industry in a tizzy. How currently onboard with Google in California include The Google program, available do you underwrite a driverless Mercury Insurance, 21st Century online or as an app on a mobile car?

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CENTRAL FLORIDA P.I.P. FRAUD CLINIC BUSTED - OPERATED BY NONLICENSED INDIVIDUALS

RLANDO, Fla. – The Department of Financial Services today announced three Central Florida arrests made by the Division of Insurance Fraud for the operation of an unlicensed clinic in Orlando that was used as part of a personal injury protection (PIP) fraud scheme. Dr. Lherisson Domond, a Coconut Creek resident, fronted ownership of the clinic, Unity Pain and Injury Center, from February to December 2012, but the clinic was operated by several nonlicensed individuals who offered to pay Domond $1,500 a month for use of his name. An investigation conducted by the Florida’s Department of Financial Services’ Division of Insurance Fraud revealed that Unity Pain and Injury Center illegally provided medical treatment and physical therapy to individuals involved in motor vehicle accidents. The treatments were then billed to various insurance companies under the Personal Injury Protection (PIP) coverage of the patients’ insurance policies. Dr. Domond has admitted that he entered into an agreement to be paid for the use of his name as

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owner. The investigation further revealed that Nesly Loute of Naples and Pierre Alex Herisse of Orlando hired clinic staff and managed its operations.

HUDGENS: $8.5 MILLION IN INSURANCE CLAIMS RECOVERED

tlanta -- In 2014, Insurance Commissioner Ralph Hudgens’ office helped thousands of Georgia consumers settle disputes with their insurance companies, returning $8.5 million in insurance claims to policyholders, money they might not have received without his help. “Last year representatives in my Consumer Services Division helped 9,719 consumers and businesses retrieve $8,549,340.02,” Hudgens said. “Many of the citizens who called my office had claim disputes with insurance companies, and our investigators were able to secure a settlement favorable to the consumer.”

The three arrested individuals face felony charges for fraud, operating an unlicensed clinic and grand theft that carry sentences of up to 30 years. Warrants for the arrests were issued by the office of Orange County State Attorney Jeffrey L. Ashton, which will be prosecuting the case. The Division of Insurance Fraud has made 249 PIP fraud arrests since July 1, 2014.

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Since 2011, Hudgens’ office has retrieved $39.3 million for consumers and businesses in claim disputes with insurance companies. Specialists in Hudgens Consumer Services Division can help with problems in life, health, auto and homeowners insurance. Consumers can call even if they just want their insurance policy explained or reviewed, the Commissioner said. 19

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THE GLOBAL FORMER WELLS FARGO MARKET FOR AFFILIATE TO PAY $4 AUTOMATIC MILLION FOR VIOLATIONS NUMBER ON CREDIT CARD ACCOUNTS PLATE Lender Illegally Secured Routine Credit Card RECOGNITION Purchases With Borrower’s Homes SYSTEMS ore than 1,300 the borrower's home – which is GROWING New Yorkers not permissible under New York Expected to Receive law. RAPIDLY

Restitution Payments Averaging Approximately $1,600

Governor Andrew M. Cuomo today announced that Wells Fargo Bank will pay a $2 million penalty and provide approximately $2 million in direct consumer restitution payments for violations uncovered by a Department of Financial Services examination of the Bank’s former affiliate. Among other issues, the Department's examination found that the Wells Fargo affiliate secured loans made through its Nowline Visa Platinum Credit Card product with an interest in www.underwritersinsider.com

"New Yorkers deserve to trust who they do business with – and because of this aggressive investigation, individuals and families across the state will be justly c o m p e n s a t e d ," G o v e r n o r Cuomo said. "My administration is committed to ensuring that banks and credit card institutions are treating consumers honestly and fairly, and we will continue to do just that." Benjamin M. Lawsky, Superintendent of Financial Services, said, "Our investigation uncovered that this Wells Fargo affiliate put borrowers' homes on the line for routine credit card purchases – creating substantial and undue risks for consumers. This agreement will provide direct relief to New York consumers."

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The sharp rise in traffic violations and the resulting strict enforcement of traffic rules and fines are driving the market

ehicle Identification Number (VIN), defined as the DNA of an automobile, plays an important role in tracking vehicles for recalls, road user e-tolling, warranty claims, thefts, traffic violations, and insurance coverage, among others. Vehicle Number Plate Recognition technologies have evolved, over the years, from manual identification to automated systems. Automated techniques involve the use of barcodes, RFID tags and automatic number plate recognition (ANPR) systems. An ANPR system is a mass surveillance system that automatically establishes vehicle registration number by running optical character recognition on images captured by strategically placed cameras. 21

Breaking News

“

Smokers who use home oxygen may understand the need to turn the tank off before lighting up, but may not realize that the danger persists, even when the oxygen isn’t flowing. Oxygen can build up not only in the home, but also on the hair, clothes, and body of the patient and ignite when a heat source—like a cigarette—comes close to the face, causing severe burns. Facial hair raises the risk of home oxygen therapyrelated burns. There is no safe way to smoke when using home oxygen. Should an individual need to smoke, it is important to first turn off the tank, and wait 10 full minutes before going outside to smoke.” Source: Alabama Department of Insurance.

annual 2015 CIPC Conference, taking place on April 22 and 23 at The Magnolia Hotel in Dallas, Texas. Over 250 wealth managers, estate planners, insurers, intermediaries, and specialty insurance agents will enjoy networking and educational opportunities at the CIPC Conference. Charles Williamson, Executive Vice President of Crystal & Company, will present at the conference along with other nationally recognized industry veterans including Dr. William T. Hold, President and Co-Founder of The NationalAllianceforInsurance

Education & Research. Dr. Hold will provide an update on the Certified Personal Risk Manager (CPRM) Program.

NN Poll: 78 Percent Favor Military Authorization Against ISIS. It’s true: A vast majority of Americans disapprove of the way President Obama is handling the war on radical Islam which incidentally, the president refuses to call by it’s name. Many Americans, even prominent Democrats are beginning to wonder, while assessing Obama’s inaction on the fight against ISIS,

he Council for Insuring Private Clients (CIPC) today announced the agenda for the third 22

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“Who’s side is he on?” When the citizens of Jordon or Egypt were brutally murdered by ISIS thugs, the presidents of each country showed visible outrage, demanded revenge and launched immediate military strikes against ISIS targets. When an American journalist was cruelly beheaded on a video that played around the world, President Obama spoke a few sound bites - and then went golfing. The Obama administration laughably calls this inept inaction “strategic patience.”

in the state by limiting subjective damages for pain and suffering in medical liability lawsuits. Justices of the high court ignored the wisdom of the Legislature and governor, and imposed their own views on the need for and effectiveness of such a damages limit.”

ccording to a study published in the American Journal of Clinical Nutrition people who drank 2 glasses of red wine per day (dry red wine, such as Cabernet Sauvignon, Shiraz or Zinfindel not sugary dessert wines) had higher levels of beneficial bacteria in their gut and lower levels of pathogenic bad bacteria in n a report released in their gut. December, the American Tort Reform Association, afe Auto Insurance Florida was named the Company announced nation’s 4th worst “Judicial today that it has reached Hellhole.” The report an agreement to acquire blamed the Florida Supreme AutoTex MGA, a Dallas-based court for ruling that ATR managing general agency considered unfair and providing specialized auto detrimental to defendants insurance products, through in civil litigation. According its holding company Safe to the report, ““In what may Auto Insurance Group. In be the most blatant act of the company’s first-ever judicial nullification in history acquisition, SafeAuto is the Florida Supreme Court buying AutoTex in a private invalidated a law intended to deal with its parent company ensure access to healthcare NationsBuilders Insurance

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Services that is expected to close at the end of March.

he Texas Department of Insurance has settled a 12-year rate dispute with State Farm Insurance. The insurance giant agreed to refund $352.5 million in homeowners premiums to Texas consumers. The company decided to capitulate on the longstanding dispute after a court ruled it could not contest an earlier order by the TDOI to refund. The regulators charged that State Farm charged far more than they needed to earn a fair profit and that the consumers were entitled to a refund.

reeMedicareReport. com, a leading source for seniors to find unbiased, accurate Medicare Supplement insurance rates and resources, has just unveiled its exclusive Consumer Satisfaction Star Rankings as part of its free reports. Seniors can now view the star ranking, which includes consumer complaint data and consumer satisfaction survey data, to decide on their ideal plans based on 23

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Opposing the motion, ASIC disputed the legal effect of the denial of its summary judgment motion, contending that because the court did not each of the defendants was an deny the motion by expressly insurer to one or more of the finding a disputed factual issue, subcontractors on the projects, the effect of the ruling did not that each of the plaintiffs was an establish the duty to defend as a additional insured under each of matter of law. the respective policies, that each of the defendant insurers owed In denying summary judgment, each of the plaintiffs a duty to defend the Baker litigation, and that by denying the tender of the defense of the Baker litigation each of the defendants breached a contract of insurance and its implied covenant of good faith and fair dealing.

ZALMA

The Motions in Limine In October 2011, in anticipation of trial, the parties filed motions in limine. One dealt with ASIC’s alleged duty to defend. With regard to the duty to defend, the SAC plaintiffs filed a motion to exclude testimony and argument disputing that ASIC had a duty to defend the Baker litigation.

Duty to Defend Relying on Horace Mann Ins. Co. v. Barbara B. (1993), McMillin argued that the denial of ASIC’s motion for summary judgment established, as a matter of law, that ASIC had a duty to defend them in the Baker litigation. 24

before the Court again under different circumstances and with potentially different evidence, you should not necessarily count on the same result.”

DISCUSSION

The trial court erred in granting McMillin’s motion in limine to preclude evidence or argument that disputed ASIC’s duty to defend; the trial court erred in granting ASIC’s motion in limine to preclude McMillin from presenting evidence or argument either that the Settlement proceeds are not an offset to McMillin’s Baker fees or that the Settlement proceeds are allocated to Brandt fees; and we are unable to affirm that portion of the judgment in favor of ASIC on McMillin’s the court had ruled that, cause of action for breach of the with regard to four allegedly implied covenant of good faith undisputed issues, “ASIC has not and fair dealing. met its initial burden of proof.” During the in limine proceedings, An insurer owes a duty to defend ASIC argued that the court could not consider the denial of the summary judgment, relying in part on Judge Nevitt’s following FREE comments at the conclusion of the hearing in which he denied CLASSIFIEDS! ASIC’s motion: “However, I remind counsel that this ruling is of no evidentiary value later. I don’t know what other evidence HELP WANTED — POSITION may be presented to the Court WANTED 4 — SALE ITEMS when these issues are next presented. Whether foundations CLICK HERE! may have been laid for things, not laid here, and so forth. And so should this issue come

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any lawsuit “which potentially seeks damages within the coverage of the policy.” (Gray v. Zurich Insurance Co. (1966). Since the duty arises whenever the claim against the insured seeks damages on any theory that, if proved, would be covered by the policy, the insurer is relieved of its duty only when “‘the third party complaint can by no conceivable theory raise a single issue which could bring it within the policy coverage.”‘ (Montrose, supra, 6 Cal.4th at p. 300, 24 Cal.Rptr.2d 467, 861 P.2d 1153.)

its case and not allowing ASIC to defend McMillin’s proof.

Judge Alksne erred in rejecting McMillin’s presentation (that unallocated Settlement proceeds be allocated to resolving the tort claim) and accepting ASIC’s presentation (that unallocated Settlement proceeds be allocated first to resolving the contract claim), leaving McMillin without evidence of damages. In making such a ruling in limine, the trial court essentially granted a nonsuit as to the issue of McMillin’s alleged damages without requiring the Horace Mann instructs: Where statutory procedural protections “factual issues exist precluding associated with nonsuit summary judgment in the proceedings, thereby precluding insurer’s favor …, the duty to McMillin from trying its case. defend is then established, absent additional evidence The Orders Granting the Motions bearing on the issue.” (Horace in Limine Are Reversed Mann, supra, 4 Cal.4th at p. 1085, 17 Cal.Rptr.2d 210, 846 Using an in limine motion as P.2d 792.) Denying a summary a substitute for a potentially judgment motion because the dispositive statutory motion moving party failed to meet its produces substantial risk initial burden of production is of prejudicial error. The not the same as denying the disadvantages of such shortcuts motion based on an unresolved are obvious. They circumvent factual dispute. Accordingly, the procedural protections provided trial court erred in ruling prior by the statutory motions or to trial that ASIC was precluded by trial on the merits; they risk from presenting evidence or blindsiding the nonmoving argument that disputed whether party; and, in some cases, they ASIC had a duty to defend the SAC could infringe a litigant’s right to plaintiffs in the Baker litigation. a jury trial. In making such a ruling in limine, the trial court essentially granted ZALMA OPINION summary adjudication as to the breach of ASIC’s alleged duty to This case clarified earlier duty to defend without requiring the defend rulings that dealt with statutory procedural protections dispositive motions for summary associated with summary judgment. When a court rules that judgment proceedings, thereby there is a potential for coverage not requiring McMillin to prove in a partial motion for summary www.underwritersinsider.com

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judgment the issue of duty to defend is established. However, in a case like this one where the motion for summary judgment does not rule on any issue and just denies the motion for failure to produce evidence sufficient to rule, the duty to defend is not established. By wrongfully using a motion in limine to prevent the presentation of evidence concerning the duty to defend deprived the party of the right to present evidence to prove its case without any of the safeguards and evidentiary requirements of a motion for summary judgment. The judgment was reversed, the orders in limine were reversed and the case was sent back to be tried. 25

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“The Final Authority on Everything!” Hillary’s Big Problem: Character & Judgement

know you lean to the conservative side of politics, but surely you will support the historic election of Hillary Clinton, the first woman president. It’s about time this country supports the removal of the last glass ceiling. J.J. Bethesda, MD Sorry, J.J., but identity politics and the bad choices that result belong solely to the liberals. Conservatives give no thought to gender or ethnicity when choosing candidates, focusing far more on ideals, competence, character & judgement. As badly as she wishes to get her pants suits back into the White House closet, Hillary Rodham Clinton fails miserably on all four counts in the opinion of many Americans.

ADVISOR

grand jury - regarding the Whitewater scandal. She served an unremarkable two terms as a senator from New York. In 2009, she was confirmed as Secretary of State for the Obama administration where she presided over and was forced to take responsibility for the debacle in Benghazi, Libya where our ambassador was sodomized and murdered and other brave Americans died. Not long afterword, when questioned about the event and the

decisions that may have cost those lives, Hillary famously exploded, “What difference does it make?” And now, the giant email scandal where it has been revealed that Hillary, as secretary of state, had been illegally and continuously using a private email address with an email server in her home, to transact public business. And you want her for president simply because she is a woman? How about house arrest with an ankle bracelet?

Her only major initiative in public office was the Clinton health care plan - which failed miserably. She was the only first lady to have been subpoenaed before a federal www.underwritersinsider.com

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Insurance Premium Finance company is seeking an Account Sales Rep to cover our California territory. The ideal candidate will have experience in insurance industry and/or knowledge of insurance premium financing. Travel throughout the state of California required. All eligible candidates will be subject to a background search. Send resume to opportunities@financebulldog. com 15-2

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32 years P & C experiencehave a CPCU designationwould like to work part time from my home in Port ST Joe FL. Company Rep. or underwriting, not sales. Contact: dvtspe@yahoo.com 15-1

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POSITION WANTED COMPANY REP S. FLORIDA Experienced Florida insurance & premium finance professional holding active 2-20 & 2-15 licenses seeking company rep or relationship manager position in carrier, MGA or PFC role. Experienced working with commercial & personal lines. Available to travel. Please contact me at: candidate88@ yahoo.com for further information and resume. Seeking salary + commission. 15-2

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Experienced CSR Wanted - Louisville Kentucky Insurer specializing in personal jewelry coverage seeks CSR. Job includes processing applications, giving quotes & issuing policies. Must have agency CSR experience, good phone presence, and hold an Ins Property license. You should also have an interest in jewelry. Computer keyboarding skills & working knowledge of MS Office are crucial factors. Agency Management systems experience is a plus. 15-2 www.underwritersinsider.com

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2-20 or 20-44 Wanted-Miramar FL Send resume to timinsurance1@yahoo.com, fax 954404-7234 or visit us 6590 Pembroke Road Suite B., Miramar, FL 33023 15-2 29

Continued From Page 13

Product Manager Experienced Insurance Agent QQSolutions, Inc. - Strong insurance agency experience? Love technology and want to shape the future of software for independent agents? Join our Product Management team. Must have extensive experience working in commercial lines. 2-20 (220) Agent or 4-40 (440) CSR License Required. Direct experience using and administering agency management systems. Contact bnason@qqsolutions.com

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OBAMACARE that so many Democrats in our House and Senate are distancing themselves from ObamaCare, including the very Democrats who promoted the wonders of this law when it was being crafted in secret closed door rooms with corrupt deals being cut with the Unions, the AMA, the NEA, Big Pharma, the very Insurance Companies Mr. Obama had vowed to bring under control with bailouts being written right into the law (No wonder former Speaker Nancy Pelosi did not want US to know “what is in it”), and bribes being paid to Blue-dog Democratic Party senators who would have voted against this law, in order to buy their votes. [Facts supported by valid sources have been provided in previous articles].

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The 2014 Midterm Elections proved without a doubt that the very policies of the Obama administration that had been so heavily promoted by Mr. Obama and his Democratic Party Leadership as being what the vote was all about, are exactly what America did not want, as the Red Tide of Republican Party wins swept across our country last November, giving the GOP the largest majority in the House in decades, and the majority in the Senate, as nine (9) Democratic Party Senators were shown the door.

about Benghazi and other State Department missteps. [Not to forget the new Hillary email scandal and the massive foreign investments going into the Clinton’s foundation - Editor]

the campaigns are only just beginning, but it will help if the candidates do not rip into each other like savage animals, and if all “Thinking Americans” realize that the Democratic Party has done America no favors over This can provide the GOP with the past 6 years, and it is time an opportunity to “Take the for the Republicans to unite. White House” and maintain control in the Congress, to begin *** Author’s note: I am not a the process of helping America Republican or a Democrat. I’m to heal. It is imperative that a social liberal and a fiscal and the Republicans do not blow foreign policy conservative. I this chance to bring America hear the term RINO used often. together, as they did in 2012. My definition of a RINO is any Republican who votes for The Republicans must unite anyone but the GOP nominee, The 2016 General Elections to defeat the Democrats in as many Tea Party and Ron loom before us. Hillary Clinton, the upcoming 2016 Elections, Paulites did in 2012. the assumptive Democratic and that unification must Party nominee, will have a lot begin now, not after the party If we don’t elect a Republican in of “S’plainin’ to do” should she has torn itself apart. Yes, 2016, we will get Barack Obama win that nomination, not just “renewed”. America cannot about ObamaCare (preceded afford another 4 to 8 years of by HillaryCare which was a this kind of “Hope and Change”. massive failure…see WA State experience), but about her lies to Congress and America

VIEW THE FAMOUS OBAMA WORKOUT! (Now Banned On YouTube...)

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cutting off Jewish and Christian heads and burning folks alive. Like so many from the political left, she apparently lives in a universe of feel-good liberal platitudes, completely disconnected from reality. Learning that Ms. Harf helped create President Obama’s Notable Quotes You May Have Missed! national security and communications strategy (strategy?) and served as campaign And The Knucklehead spokeswoman on national security issues helps explain this administration’s utterly inept of The Month Award Goes To... handling of the threats that face our nation. It We’re killing a lot of them and we’re ain’t the economy this time, stupid, it’s Islamic going to keep killing more of them, so Jihad - and they want you dead because you are the Egyptians, so are the Jordanians are an infidel. Period. they’re in this fight with us. But we cannot win this war by killing them, we cannot kill Who’s Right? Rudy or His Critics? our way out of this war. We need, in the longer term, medium and longer term, to I do not believe, and I know this is a horrible go after the root causes that leads people thing to say, to join these groups, whether it’s lack of but I do not opportunity for jobs. [The U.S. should]help believe that improve their governance and help them the president build their economies so they can have job loves America. opportunities for these people.” He doesn’t love you. And he Marie Elizabeth Harf, a Granville doesn’t love grad and now the wackdoodle me. He wasn’t deputy spokesperson for the brought up the way you were brought up Obama Administration’s and I was brought up through love of this Department of State, making country. What country has left so many the incomprehensibly dumb young men and women dead abroad statement that we should to save other countries without taking defeat Islamic terrorism by land? This is not the colonial empire finding the terrorists jobs. that somehow he has in his hand. Harf, a snarky, shrill liberal I’ve never felt that from him. I felt from the Obama/Kerry that from [George] W. [Bush]. I felt mold displays a cluelessness that from [Bill] Clinton. I felt that epidemic among Obama from every American president, appointees and apparently including ones I disagreed with, feels we should be building including [Jimmy] Carter. I don’t car washes in Libya, Marie Elizabeth Harf feel that from President Obama.” Yemen and Syria to keep the Islamic crazies employed so they will stop

SAY WHAT?

“

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Rudy Giuliani, “America’s Mayor,” during the dinner at the 21 Club, a former Prohibitionera speakeasy in midtown Manhattan while speaking at a Gov. Scott Walker campaign fund raiser. The backlash was intense, a l t h o u g h millions of Americans may have expressed the same feelings - and for good reason. But what are the facts? Was Barry Soetoro brought up to love his country? His father, Barack Obama, Sr. was an anti-colonialist, socialist Muslimconvert. There is not much in a free-market capitalist country for a Muslim socialist to love. When Obama was running for office, he refused to wear a flag pin on his lapel. He was caught on camera at least several times with his hands over his crotch rather than his heart during the pledge of allegiance. And none of us can forget Michelle’s “Never been proud of my country” comments. Obama began his first term with an “apology tour,” covering European capitals and telling his audience that America was sorry for her (in the opinion of Obama) bad behavior in the past. When asked about American “exceptionalism,” he said “sure, and Greeks believe in Greek exceptionalism.” Long before he sat in the oval office, he was mightily influenced by one Frank Marshall Davis, an American-hating registered Communist who was mentioned 22 times in Obama’s book, “Dreams Of My Father,” (and then removed completely for the audio version}. And then there is the irrefutable close relationship with “God Damn America” Rev. Jeremiah Wright, racist and Obama’s close mentor and pastor for www.underwritersinsider.com

17 years who actually blamed the U.S. for 9/11. The evidence is crystal clear - and Rudy was right. Other influential relationships in Obama’s pasts include Michael Pfleger and Bill Ayers - both deeply critical of this country. Like most Progressives, Obama sees America as the cause of the world’s woes - not the solution. Be outraged if you want, but there is little to show that Barack Obama is either a patriot or loves this country.

A Baffling Equivocation

“

And lest we get on our high horse and think this is unique to some other place, remember that during the Crusades and the Inquisition, people committed terrible deeds in the name of Christ. In our home country, slavery and Jim Crow all too often was justified in the name of Christ.” President Barack H. Obama speaking at the National Prayer Breakfast in the wake of ISIS burning alive a captured Jordanian pilot while locked in a steel cage. The Islamic barbarians joyfully video-taped the horrific event and proudly shared it with the world. Rather than condemning the unspeakable act as an example of why ISIS must be defeated at once, the president choose instead to equivocate - to say, in essence, “ISIS is not so bad. We’ve done things just as bad.” The strained reference to the Crusades is particularly baffling since the battles that occurred 500 years before the discovery of America were simply another instance of Christianity pushing back against the onslaught of Muslim expansionism, extremism and barbarism. In fact, if it had not been for the Crusades, we might all be living under Sharia law today.

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DAREDEVIL BRANDON MIKESELL SOARS OVER THE SWISS ALPS IN A WINGSUIT

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“I am a very, very trained professional,” he told Fox News on Friday. “I have been doing this for about four and a half years – I do it for the dream of flight, that’s pretty much what it comes down to for me.”

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GUARDRAIL CONTROVERSY: SOLD AS SAFE DURING A CRASH, THE GUARDRAILS SOMETIMES PIERCE VEHICLES WITH HORRIBLE RESULTS

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DRONES technology can be applied to wearable designs for outdoor sportsmen and public safety officials. Future designs will also include automotive integration, custom flying corporate brands and airframes designed to dock with your smartphone. "Skies the limit when you have a airframe that can be safely caught with bare hands", states Weller. "This technology can be applied to just about any 3D shape or product imaginable. It puts companies and industries in the game that

have held back from drone integration due to insurance and liability issues." UAS Directions is focused on sharing its scalable and flexible technology with companies already developing their own drone programs. "We will be strategically partnering with companies who want to invest in a marriage of their own proprietary systems with the future of unibody platforms. The goal is to make developers platforms safer and more appealing to the public", explains Weller. Visit: www.uasdirections.com

MISSISSIPPI ISSUES CONSUMER ALERT FOLLOWING ARREST OF FORMER SUNFLOWER COUNTY INSURANCE AGENT

ackson – Commissioner of Insurance Mike Chaney and the Mississippi Insurance Department are alerting consumers that there may be issues with policies purchased through the Mid-Delta Insurance Agency in Indianola, Mississippi and its representative, Randal Ray Henson.

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CLICK HERE! Insurance Department.

Randal Ray Henson surrendered Earlier today Mr. Henson was his insurance producer’s license arrested by the Sunflower to the Mississippi Insurance County Sheriff’s Department Department in 2012. and charged with false pretense. The charges are Anyone who purchased a policy related to Mr. Henson’s from Mid-Delta Insurance Agency failure to forward insurance or Mr. Henson needs to be aware premium payments on that their premium payment to insurance carriers. The may not have been sent to their investigation was a joint insurance carrier. operation between the Sunflower County “I would strongly suggest that Sheriff’s Department, those people contact their Sheriff James Haywood insurance company to verify and the Mississippi coverage,” Chaney said.

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Experts and Consultants for Insurance Disputes 4441 Sepulveda Boulevard Culver City, California 90230 310-390-4455 zalma@zalma.com http://www.zalma.com

Consultation from Zalma Insurance Consultants (ZIC) can save you or your client thousands of dollars in the defense or prosecution of an insurance dispute. ZIC provides expert advice and counsel insurers and plaintiffs’ counsel find indispensable. Consultation from ZIC can save you, your counsel or client hundreds of hours of investigative and legal work. ZALMA INSURANCE CONSULTANTS is a service of Barry Zalma, Inc. a California professional corporation. Barry Zalma is an internationally recognized expert on insurance coverage, insurance claims handling, insurance bad faith, insurance fraud detection, the defeat of false and fraudulent claims, Barry Zalma, Esq. insurance claims handling, and the resolution of insurance disputes. As a consultant, expert witness, lawyer, author, mediator or arbitrator he serves all parties who need consultation or expert testimony on matters relating to insurance coverage, insurance claims handling, insurance fraud and the tort of bad faith. Barry Zalma founded Zalma Insurance Consultants to help resolve any insurance claim problem faced by you or your clients that do not need Mr. Zalma’s services as a lawyer. His experience and skill as a consultant and expert witness can make the difference before a jury or other trier of fact. For more than 44 years as a claims person and insurance coverage attorney, Barry Zalma has represented insurers, advised insurers on claims handling, interpreted coverages and testified as an insurance coverage, insurance bad faith, insurance claims handling and insurance fraud expert on behalf of insurers and policyholders in state and federal courts.

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The Underwriter’s Insider

You just need to find a good garage sale, and that’s where GSALR.com comes in. Just enter your location in the search box to see garage sales going on where they’ve been or what in your area on a Google Map. condition they’re really in. Then click on the red location flags for more details like time ThredUp aims to change that. and location of the sale, or scroll The site has a strict set of through the listings on the right Quality Standards for all clothes side of the page. it accepts. It employs a team of fashion experts to go through all If you don’t care about travel the clothes and approve them distance, you can browse the for sale. listings or sift through photos by clicking “List” or “Photos” at the Clothing’s not all you can save top of the page. money on, though. You can also find all sorts of shoes, purses Need to narrow your search and handbags on the site. That’s and filter your results? Click on where you can really save the “Search Filters,” located at the big bucks. Imagine getting a top left of the page, and enter a like-new Coach bag for a huge new location, the day of a sale, discount. You can save money or enter keywords to look for on clothes for your kids and a certain item like furniture or grandkids, too. antiques. Continued From Page 9

KIM KOMANDO

If you have nice clothes you want to get rid of before updating your wardrobe, you can sell them on the site, too. ThredUp depends on people like you to collect its inventory. It’s easy to send in your old stuff to make a little extra cash.

Freecycle is a non-profit organization that lets you post your unwanted items to give away. It’s kind of like Craigslist, but only with free stuff. To get started, create a free account and post the items you want to get rid of. Be sure to include a full description. Photos help, too. On the flip side, if you’re in the market for something in particular, you can post a want ad and see if anyone responds. Or, just cruise the site and see what kind of free stuff you can get. I mean, who doesn’t love free stuff? When I looked in my area, there was a range of items, from television sets and moving boxes to desktop computers, children’s clothing, plants and fitness equipment.

Once you’ve found sales near you, you can add to a favorites list by clicking the favorite button. Copyright 2015, WestStar When you’re done adding Multimedia Entertainment. All favorites, click “View Route & rights reserved. Directions” to get directions. On the Kim Komando Show, If you’re in the mood for selling, the nation’s largest weekend you can add your own garage radio talk show, Kim takes Find Garage sale to the site. calls and dispenses advice on today’s digital lifestyle, from Sales Near You Bonus: Get tons of free valuable smartphones and tablets to online privacy and data hacks. One of the best places to get stuff people are giving away For her daily tips, free newsletters used items is garage sales. Not only can you physically examine What do you do if you have used and more, visit her website at the item, you can do some items you can’t sell? Don’t just Komando.com. Kim also posts throw it in the trash; give them breaking tech news 24/7 at haggling to get a better price. away on Freecycle. News.Komando.com. www.underwritersinsider.com

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The Underwriterâ&#x20AC;&#x2122;s Insider