Civil Remedy Notice of Insurer Violations
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Filing Number:     254643
Filing Accepted:  4/3/2014
   Print Filing
Complainant
Last/Business Name *  
WHIDDEN   First Name   THEODORE
Street Address * P.O.BOX 158
City, State Zip * CHIPLEY, FL 32428
Email Address TEDWHIDDEN@GMAIL.COM
Complainant Type: Insured


Insured
Last/Business Name*   WHIDDEN   First Name   THEODORE
Policy # 0317-06-13U Claim #* 0317-06-13U, DTD 9/29/2010


Attorney
Attorney is Applicable


Violation
Insurer Type *   Authorized Insurer Unauthorized Insurer
 
Insurer Name   UNITED SERVICES AUTOMOBILE ASSOCIATION (25941)
 
Name of individual responsible for violation (if any): KRISTEN VAN DER LINDE, BOYD AND JENERRETTE, SARA SEPULVEDA, DEBORAH CAKOUROS, BRIAN KRUGER
Type of Insurance * Auto   
Reason for Notice *
Other : Fraud
Other : Conspiracy to Defraud
Other : Lack of Good Faith/Bad Faith
Other : Collusion
Other : Insurance Fraud
Other : Mail Fraud/Federal Frauds
Other : Abuse of Process
Claim Delay
Other : Complicity in Numerous Felony Offenses
Other : Accessory to numerous crimes by USAA agents/affliates
Other : Aiding and Abetting numerous felonies
Other : Deliberate acts to delay and deceive proceedings and processes
Other : Intentional infliction of emotional distress
Other : Negligent infliction of emotional distress
Other : Intentional dishonest and deceitful and delayed responses and handling to previous Civil Remedy fili
* Statutory provision(s) which the insurer allegedly violated.
 
624.155(1)(b)(1) Not attempting in good faith to settle claims when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests.
624.155(1)(b)(2) Making claims payments to insureds or beneficiaries not accompanied by a statement setting forth the coverage under which payments are being made.
624.155(1)(b)(3) Except as to liability coverages, failing to promptly settle claims, when the obligation to settle a claim has become reasonably clear, under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage.
624.401(1) No person shall act as an insurer, and no insurer or its agents, attorneys, subscribers, or representatives shall directly or indirectly transact insurance, in this state except as authorized by a subsisting certificate of authority issued to the insurer by the office, except as to such transactions as are expressly otherwise provided for in this code.
* Specific policy language that is relevant to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

DEAR COMMISSIONER, WITH EACH ROUND OF COMMUNICATION THE ATTEMPTS OF USAA'S LEGAL COUNSEL AND AGENTS TO "MUDDY THE WATER" HAVE GONE TO UNLAWFUL LENGTHS TO CONFUSE AND CRIMINALIZE THE APPROACH TO A LAWFUL CLAIM. THE OFFENSES ARE VAST AND NUMEROUS. ATTEMPTS BY THE ASSURED TO DRAW USAA AND THEIR AGENTS TO A LAWFUL PATH HAVE BEEN THWARTED BY THEIR CONTINUED EFFORTS AT UNLAWFUL BEHAVIOR. THEIR ATTEMPTS TO DELAY AND CONFUSE ARE CLEARLY CRIMINAL. THEIR CRIMINAL BEHAVIOR IF SUCCESSFUL UPON EXPIRATION TO THE STATUTE OF LIMITATIONS SHOULD ENGAGE A WHOLE SERIES OF CRIMINAL LAW PURSUITS. THE DESIRE OF USAA AND THEIR AGENTS SEEMS CLEARLY TO GO THIS ROUTE SINCE THEY CONTINUALLY FILE DUBIOUS, DECEITFUL RESPONSES TO CIVIL REMEDY FILINGS AND MAKE NO PROPER ATTEMPT TO RESOLVE ANYTHING OUTSTANDING. THEY HAVE COMMITTED NUMEROUS FRAUDS IN RESPONSES THUS FAR TO YOUR OFFICE. THESE ARE NOW PART OF PUBLIC DOMAIN, AND CLEARLY AN OPPORTUNITY TO PURSUE THE ATTORNEY, AGENTS, AND USAA ARE AVAILABLE IF RESOLUTION IS NOT OBTAINED. ON 14 FEBRUARY 2014 AN EUO (EXAMINATION UNDER OATH) WAS CALLED FOR BY THE ADJUSTER/COUNSEL FOR USAA REGARDING AN ACCIDENT 3 1/2 YEARS PRIOR ON 29 AUGUST 2010. THIS ACCIDENT INVOLVED AN ASSURED OF USAA (THEODORE WHIDDEN) WHO WAS REAR-ENDED BY A HIGH SPEED 18 WHEELER. THROUGH A NUMBER OF DUBIOUS INTERACTIONS THE INSURANCE CARRIER USAA ASSUMED LIABILITY FOR THE REAR-END COLLISION UNDER THE "UNINSURED MOTORIST" COVERAGE OF MR. WHIDDEN'S POLICY. (CIVIL REMEDY FILING PREVIOUSLY ATTEMPTS TO ADDRESS ONE OF THE CONSPIRACY'S TO DEFRAUD.) THE INSURANCE CARRIER USAA HAS UNLAWFULLY AND WILLFULLY DELAYED PAYMENTS, AVOIDED PAYMENTS, DISPOSED OF DOCUMENTS, FAILED TO PROPERLY INVESTIGATE, MANAGE, AND DOCUMENT THE FILE. THE CARRIER USAA AND THEIR AGENTS HAVE PARTIED WITH OTHER CRIMINAL ELEMENTS TO AVOID PAYMENTS IN A CLEAR, ABSOLUTE FAULT SITUATION IN WHICH THE ASSURED WAS REAR-ENDED BY AN IMPROPERLY OPERATED 18 WHEELER. LEADING TO THE EUO AND SINCE THE INTER-RELATIONS AND CLAIMS HANDLING BY USAA HAS BEEN PLAGUED BY THEIR CONTINUED CORRUPTION, INCOMPETENCE, DELAY, DECEIT AND FRAUD. SOME OF THIS CORRUPTION IS OUTLINED IN THE CIVIL REMEDY FILINGS LEADING TO THIS. ADDITIONAL OFFENSES WILL BE LISTED SHOULD THIS GO TO CRIMINAL COURT. NOTING USAA'S RESPONSE AND ATTEMPTS TO RESOLVE THESE PREVIOUS CIVIL REMEDY FILINGS HAVE NOT ONLY BEEN INSUFFICIENT, BUT THEIR RESPONSES ARE FULL OF FRAUD, DECEIT, DELAY, AND A HOST OF CRIMINAL OFFENSES. THIS PATTERN OF DECEPTION IS EITHER CRIMINALLY INCOMPETENT OR SIMPLY CRIMINAL IN INTENT. THEIR INTENTS AND PATTERNS TO AVOID CLEAR-CUT OBLIGATIONS IS OBVIOUS. THE EUO IS/WAS NO DIFFERENT. THE ATTORNEY SENT FOR THE EUO IS DEEPLY IMBEDDED IN HER OWN CRIMINAL BEHAVIOR IN THIS CASE TO FURTHER THE CONFUSION OF HER CLIENT. SHE IS ABSURD IN HER APPROACHES, HANDLING, AND HAS COMMITTED NUMEROUS CRIMINAL OFFENSES ON HER OWN, AND OTHER ACTIONS/INACTIONS TO FURTHER THE CRIMINAL ACTIVITY OF HER CLIENT MAKING HER COMPLICIT IN THEIR CRIMES. FURTHER TO THE CORRUPTION SERVING USAA, UNDER HER FIRM'S DIRECTION IT WOULD SEEM ALLOWED LIABILITY OF THE CASE TO SHIFT IN THEIR DIRECTION (FROM THIRD PARTY LIABILITY) IN HOPES THEY COULD FINISH OUT THE ATTEMPTS AT FRAUD AND DECEIT OF THE OPPOSING UNDERWRITERS. SHE AND HER FIRM ARE CLEARLY COMPLICIT IN THE FRAUDS AND SCHEMES TO DEFRAUD LEADING TO HER INVOLVEMENT, AND SINCE. USAA HAS BEEN INFORMED NUMEROUS TIMES IN POTENTIALLY DOZENS OF CIVIL REMEDY FILINGS AND COMMUNICATION ATTEMPTS THAT THEIR AGENTS AND HANDLERS ARE BEHAVING UNLAWFULLY. IT IS CLEARLY IN THEIR CRIMINAL BEST INTEREST TO RADICALLY CHANGE TACTICS OR REMAIN ALONG THIS DISHONEST TRACK. SINCE THEY HAVE PERPETRATED THEIR OWN SET OF FRAUDS AND FELONY MISHANDLINGS FOR MORE THAN 3 YEARS THERE IS A CLEAR COMMUNICATIONS THEY HAVE CHOSEN THEIR PATH AND THEIR CRIMINAL FACILITATORS, DESPITE PLEAS TO REMOVE CRIMINAL CLAIMS HANDLERS, AGENTS, AND ATTORNEYS FROM THE CASE. THEIR POSITION IS CLEAR. THE CORRUPTION IS CLEAR. AT THE EUO IT IS CLEAR TO ANY OBSERVER THE ATTORNEY (KRISTEN VAN DER LINDE) SHOWED UP UNPREPARED AND OUT OF HER ELEMENT. HER PERFORMANCE WAS DEPLORABLE AS WAS HER APPEARANCE, PRESENCE, AND HER PLAN OF ATTACK. THE LACK OF PREPAREDNESS AND INCOMPETENCE OF VAN DER LINDE IS EASILY HIGH-LIGHTED BY BOTH THE WRITTEN AND VERBAL RESPONSES TO HER IDIOTIC QUESTIONS. VAN DER LINDE'S APPROACH IN QUESTIONING CONCERNED THINGS SHE COULD HAVE "DISCOVERED" IN WRITING. ALL THE REQUIRED ANSWERS HAVE BEEN IN THE FILE FOR MONTHS AND YEARS NOW. VAN DER LINDE'S INCOMPETENCE AND LACK OR PREPAREDNESS LIKELY GIVES HER CLIENT AN ACTION AGAINST HER. VAN DER LINDE'S REQUESTED RECORDING ACTUALLY EXEMPLIFIES THE USAA CLAIM DEVIANCE IN ACTION. VAN DER LINDE'S QUESTIONS WERE SO POORLY PLANNED AND PRESENTED THEY HAD NO VALUE TO THE CASE WHATSOEVER. ULTIMATELY IN FRUSTRATION VAN DER LINDE FLED THE ROOM DISHONESTLY CLAIMING TO LOCAL LAW ENFORCEMENT THAT SHE WAS THREATENED IN THE EUO. MS. VAN DER LINDE EXHIBITS SOME SERIOUSLY DEFICIENT SKILLS IN PERFORMING HER JOB. SHE HAS SOME REPETITIVE FLAWS IN HER APPROACH THAT TIP THE RECIPIENT TO HER DEVIANCE. SHE IS REALLY A LIABILITY TO HER CLIENT/TEAM. VAN DER LINDE CALLED FOR A FALSE "EUO" MORE THAN ONE YEAR PRIOR. WITH NO NOTICE AND FOR NO REASON VAN DER LINDE CHANGED THE VENUE. THIS WAS WITHOUT CALL OR JUSTIFICATION. THE OFFICE OF THE COMMISSIONER OF INSURANCE WAS NOTIFIED BY WAY OF EUO OF THIS FIASCO. VAN DER LINDE HAS LIED NUMEROUS TIMES IN HER RESPONSES TO THE COMMISSIONER AND HER RESPONSE TO COMMISSIONER REGARDING THE FAKE 2013 ATTEMPT AT EUO IS/WAS NO EXCEPTION. CIVIL REMEDY FILINGS AT THAT TIME PROVED TRUE IN THIS 2014 EUO. USAA'S CONTINUED USE OF THESE TYPE BAIT AND SWITCH TACTICS AND THOSE WHO PERFORM THEM DEMONSTRATE CONTINUED BAD FAITH. THE FEBRUARY 14, 2014 EUO DISSOLVED WHEN THE ATTORNEY INAPPROPRIATELY PRESSED THE ASSURED (WHIDDEN) FOR LEGAL DOCUMENTS REGARDING INCOME. THE IDIOT ATTORNEY, AND HER CROOKED CLIENT NEED TO UNDERSTAND THAT CLAIMING INCOME IS A RIGHT OR PRIVILEGE UNDER THE POLICY, NOT AN OBLIGATION. NEITHER THE INSURANCE CARRIER, NOR THEIR AGENT HAS ANY RIGHT TO FORCE ISSUES OF PRIVACY. THE ASSURED HAS NO OBLIGATION TO PROVIDE PERIPHERAL INFORMATION NOT PART OF THE CASE.............THE ATTORNEY BADGERED THE ASSURED IN THE EUO REGARDING SOMETHING THEY WERE NOT ENTITLED. WHEREAS THE ASSURED IS/WAS CLEARLY IMPAIRED, THE RESPONSE TO THE ATTORNEY IN THE EUO WAS TO AGAIN POINT OUT THE NUMEROUS FELONY FRAUDS, FRAUD ATTEMPTS, ETC OF THE CROOKED CLAIMS TEAM. CAPTURED IN THE RECORDED EUO WAS ADDITIONAL NOTICE, ADMISSION, AND COMMISSION OF FRAUDS BY THE CROOKED CLAIMS TEAM. YES, ADDITIONAL FRAUDS CONTINUE DURING AND SINCE EUO. THE EUO IN ITSELF, AS HAS THE PROCESS ALL ALONG DEALING WITH USAA, THEIR AGENTS, AND ATTORNEYS (JENERRETTE AND BOYD) HAS BEEN RIDDLED WITH DECEPTION. THIS PROCESS SHALL SOON END. IT WOULD APPEAR ON THE UPCOMING AUGUST 29TH THE FRAUDS AND DECEPTIONS INITIATED BY THIS TEAM AND THEIR AFFILIATES WILL BE "PERFECTED". THEIR EFFORTS TO EXHAUST THE TIME ON STATUTE OF LIMITATIONS, TO UNLAWFULLY DELAY, DENY, AVOID, AND FRUSTRATE THE CLAIMS PROCESS WILL FULFILL THEIR GOALS. AT THAT JUNCTURE CRIMINAL STATUTES WITH IRREVERSIBLE EFFECTS CAN OCCUR. CLEARLY THE TIME TO NEGOTIATE A SETTLEMENT IS NEAR. CLEARLY THE DOOR HAS ALWAYS BEEN OPEN TO USAA TO MAKE A PROPER APPROACH TO THE ASSURED FOR RESOLUTION, YET THEY HAVE NOT ACCEPTED OUTREACH FROM THE ASSURED FOR ASSISTANCE. INSTEAD THEY HAVE AVOIDED, DELAYED, AND DENIED THEIR RESPONSIBILITIES. THE GOAL OF USAA AND THEIR AGENTS/COUNSEL SEEMS CLEAR. FIRST GOAL OF USAA WAS TO DENY ASSURED'S ABILITY TO RECOVER UNDER THE THIRD PARTY COVER. THEIR AGREEMENT ON 18 DECEMBER 2013 WAS ASININE. THEY AGREED IN COLLUSION WITH THE OTHER SIDE BY CONSPIRING TO DEFRAUD THE ASSURED OF POTENTIALLY $1 MILLION IN COVERAGE TO WHICH USAA AND THEIR AGENTS ARE NOW RESPONSIBLE (BY WAY OF AIDING AND ABETTING A FELONY AT A MINIMUM). USAA ARE FURTHER ENDEAVORING TO EXTEND THEIR INCOMPETENCE AND CRIMINAL ACTIVITIES TO AVOID COVERAGE OF REASONABLE EXPENSES UNDER THE PIP, MEDICAL PAYMENTS, AND UNINSURED MOTORIST COVERAGE OF THEIR ASSURED (THEODORE WHIDDEN) IN THE AMOUNT OF $315,000. USAA'S CONTINUED HARASSMENT, FRUSTRATION, DENIAL, DELAY, ETC OF AN IMPAIRED ASSURED CONSTITUTES BAD FAITH AT VIRTUALLY ALL LEVELS, AND IN VIRTUALLY ALL INTERACTIONS. NUMEROUS UNRESOLVED CIVIL REMEDIES SPELL OUT THE CALLOUS, SLIP-SHOD, CRIMINAL BEHAVIOR OF USAA AND THEIR AGENTS. NOTHING HAS BEEN DONE TO CORRECT ANY OF THIS, RATHER THE EUO OF 14 FEBRUARY 2014 WAS SET TO FURTHER THIS EFFORT. USAA'S LACK OF GOOD FAITH (IE. BAD FAITH) BEHAVIOR WOULD REQUIRE TRIPLE PENALTIES IN A COURT OF LAW MAKING THEIR CONTINUED ABUSE OF THIS ASSURED VALUED AT $1,315,000 WITH PENALTIES, $3,945,000 FOR A MINIMUM SETTLEMENT VALUE AT THIS TIME OF $5,260,000. OF COURSE THERE COULD BE MULTIPLES OF THIS AMOUNT SHOULD THIS GO TO CRIMINAL COURT FOR FRAUD. THIS AMOUNT IS ESTABLISHED PRIMARILY BECAUSE THAT IS THE DIRECTION WE ARE HEADING WITHOUT ADEQUATE ATTEMPT TO RESOLVE. FAILURE TO RESOLVE AT AN APPROPRIATE LEVEL BY AUGUST 29TH, 2014 PUTS THIS IN CRIMINAL COURT. UNDERSTAND ALL, THE EUO DISSOLVED AS A RESULT OF THE IDIOT ATTORNEY UNLAWFULLY PURSUING AND BADGERING THE ASSURED FOR A LOSS OF INCOME CLAIM THAT HAS NOT BEEN PUT FORWARD! LOSS OF INCOME IS AN OPTION, RIGHT OR OPPORTUNITY OF THE ASSURED, NOT AN OBLIGATION. THE ATTORNEY AND THEIR CLAIMS TEAM HAVE STALLED AND AVOIDED PAYMENTS FOR OVER 3 YEARS. THERE ARE NUMEROUS CRIMINAL ATTEMPTS FROM 3 YEARS BACK TO AVOID AND DELAY INCLUDING BUT NOT LIMITED TO UNLAWFULLY ADVISING SERVICE PROVIDERS THAT BENEFITS WERE EXHAUSTED, WHEN THE BENEFITS WERE NEVER EXHAUSTED! FURTHER TO THIS THE CROOKED ATTORNEY AND CLAIMS TEAM PARTIED TO COMMIT MORE THAN 12 FEDERAL FRAUDS IN ATTEMPTS TO CONVERT A PARTIAL PAYMENT (PAYMENT ON ACCOUNT) TO A COMPLETE AND FINAL PAYMENT! THIS IS OLD-SCHOOL CROOKED, AND CRIMINAL FRAUD. THE ASSURED AND THEIR CROOKED ATTORNEYS HAVE BEEN ADVISED AND REQUESTED TO PUT SOMEONE OF INTEGRITY AT THE HELM OF THIS RUN AWAY TRUCK DISASTER. THEY HAVE FAILED. LEADING TO THIS POINT, A CLAIM FOR WAGES WAS NEVER MADE, AND IS THEREFORE NOT THE CONCERN OF THE ATTORNEY OR USAA. MEANWHILE, THE ASSURED STOOD BY PRESENTATION OF ORIGINAL FILINGS SOME 3 YEARS OLD AT THE EUO ESTABLISHING CLEARLY THE ATTEMPTS TO DELAY, AND DEFRAUD. IN THREE YEARS USAA HAVE FAILED TO ADDRESS THE SIMPLEST OF CLAIMS ISSUES, AND HAVE EVEN AVOIDED FOR 18 MONTHS PAYING AGREED PARTIAL PAYMENTS. A WAGE CLAIM WILL BE FORTHCOMING ONCE THE CLAIMS ISSUES OF 3+ YEARS AGO ARE RESOLVED, ONCE PAYMENTS ON ACCOUNT WHICH HAVE BEEN OFFERED AND ACCEPTED (YET NOT PAID BY USAA) HAVE BEEN MADE. LOSSES WOULD APPEAR TO EXHAUST POLICY AMOUNTS WITHOUT A WAGE CLAIM, BUT THE INSURANCE CARRIER AND THEIR AGENTS HAVE FAILED TO ADJUST THE EXPENSE SUBMISSIONS. THE PROBLEM AS SEEN BY THE ASSURED IS THAT USAA AND THEIR AGENTS/ATTORNEYS AT EACH OPPORTUNITY HAVE TAKEN THE CROOKED OR DEVIOUS ROUTE. THERE IS NO INTEGRITY OR HONESTY ON THEIR TEAM. THE ASSURED CLEARLY IMPAIRED IN ALL THE RECORDS PROVIDED TO USAA IS BEING TAKEN UNDUE ADVANTAGE BY A CRIME RING/TEAM WITH CLEAR INTENT TO HARM, HARASS, AND DECEIVE. IT IS PROPER FOR USAA TO PAY CLAIMS DATING BACK MORE THAN 3 YEARS BASED ON DOCUMENTS BEFORE THEM AT THAT TIME AND SINCE. IT IS PROPER FOR USAA TO MAKE THE PARTIAL PAYMENT SETTLEMENT PER OFFER/ACCEPTANCE OF NOVEMBER 2012. IT IS PROPER FOR USAA TO MAKE ADJUSTMENT AND PROPER HANDLING OF PAYMENT FOR DOCUMENTS INCLUDED IN THE ACCEPTANCE OF THE NOVEMBER 2012 OFFER. USAA AND THEIR AGENTS NOW HAVE IN THEIR POSSESSION ENOUGH EXPENSES TO EXHAUST VIRTUALLY ALL ORIGINAL POLICY LEVELS. THERE IS NO NEED TO REQUEST/REQUIRE MORE DOCUMENTS FOR SAME UNLESS THEY HAVE LOST, DESTROYED, OR FAILED TO ACKNOWLEDGE MORE THAN $100,000 IN EXPENSES SUBMITTED. (THIS IS INDEED THE CASE.). A REASONABLE CLAIM DEMAND TO AVOID FURTHER DISRUPTION IS CLEARLY MADE HEREIN IN THE AMOUNT OF $5,260,000. IT IS USAA'S DECISION HOW TO HANDLE THIS AS WELL AS ALL OTHER OUTSTANDING AMOUNTS. IRRESPECTIVE OF ALL CRIMINAL ATTEMPTS AND INTENTIONS OF USAA, THEY ARE STILL OBLIGATED TO MAKE A SERIES OF PAYMENTS THEY HAVE FAILED TO MAKE WITHOUT REASON. IT IS INDEED A TANGLED WEB OF DECEPTION ORCHESTRATED BY USAA AND THEIR AGENT/OPERATIVES. THE CRIMINAL COURTS WILL CLEARLY SEE A PATH TO RESOLUTION. IT IS REPULSIVE TO PAY THESE CROOKS 25 YEARS OF PREMIUM TO BE TREATED SO CALLOUSLY AND CROOKEDLY AT SO MANY TURNS. THEY HAVE PERPETRATED CRIMES CONTINUOUSLY FOR OVER 3 YEARS, AND HAVE ADDED ACCOMPLICES WHO ARE MEMBERS OF THE FLORIDA BAR. THREE ATTORNEYS AND MANAGING PARTNER OF BOYD AND JENERRETTE WAS NOTIFIED AND HAS ALLOWED HIS FIRM/MEMBERS TO CONTINUE THIS UNLAWFUL COURSE OF ACTION. THE FIRM, PARTNERS AND MEMBERS ARE CLEARLY PARTY TO THIS ACTION. SINCE THE HOAX EUO OF FEBRUARY 14, 2014 THE ASSURED HAS HAD ADDITIONAL TESTS, AND TREATMENTS APPEARING TO AMOUNT IN EXCESS OF $16,000 IN VALUE. IT APPEARS LONG TERM, ONGOING THERAPY AND TREATMENT IS RUNNING IN EXCESS OF $30,000 ANNUALLY. THE CRIMINAL EFFORTS OF USAA TO AVOID EARLY RESPONSIBILITY IS IN PART RESPONSIBLE FOR THESE ONGOING COSTS, SLOW DIAGNOSTICS, AND THERAPY. THERAPIES HAVE BEEN DELAYED AND COMPLICATED BECAUSE IN PART DUE TO USAA UNLAWFUL ACTIVITY. IT HAS BEEN CLEARLY STATED TO USAA THRU CIVIL REMEDIES AND OTHER FILINGS THAT THE ASSURED DESIRES SOMEONE OF HONESTY AND INTEGRITY TO HANDLE THE FILE OTHER THAN THE CRIMINAL ELEMENT SEEN THUS FAR. THERE IS NO "GOOD FAITH" IN THE APPROACHES BY USAA THUS FAR. MEANWHILE, COSTS CONTINUE WITH DIAGNOSTICS AND THERAPY ESCALATING. WHO IS THE ASSURED TO SUBMIT DOCUMENTS TO FOR THESE COSTS AS WELL AS THE LOST INCOME/WAGE CLAIM? CLEARLY THE APPOINTED PERSONNEL THUS FAR ARE NOT OF HONOR OR INTEGRITY FOR HANDLING THESE THINGS OR WE WOULD NOT BE WHERE WE ARE. THE ASSURED AWAITS SOMEONE OF INTEGRITY PRIOR TO SUBMITTING PERSONAL DOCUMENTS AND ADDITIONAL RECEIPTS/DOCUMENTS. CLEARLY THE CRIMINAL ELEMENT INVOLVED TO THIS POINT WHO HAVE ABUSED THE ASSURED ARE NOT WORTHY OF ADDITIONAL INFORMATION. THE APPOINTED ATTORNEY CLEARLY AVOIDS, IGNORES, AND DISPOSES OF DOCUMENTS OF HER CHOOSING TO HARASS THE ASSURED. THIS IS NOW ABUNDANTLY CLEAR. BOYD AND JENERRETTE AS AGENTS AND THEIR PERSONNEL MUST BE REMOVED WITH SOMEONE OF INTEGRITY TO COME FORWARD TO RESOLVE THIS CLAIM. IT IS A REQUIREMENT OF GOOD FAITH CLAIM HANDLING. WHO WILL MOVE THIS CASE LAWFULLY FORWARD? WHO DO I COMMUNICATE WITH? CLEARLY IT CANNOT BE THE INCOMPETENTS INTRODUCED THUS FAR. WHO WILL OFFER TO PROPERLY ADDRESS AND RESOLVE THIS CASE? THE ASSURED IS CLEARLY DEALING WITH CONCUSSION ISSUES, TBI, POST TRAUMATIC ISSUES AND A HOST OF PROBLEMS STEMMING FROM THE LOSS AND THE ABUSES. THE INSURANCE CARRIER (USAA) FILE CLEARLY DEMONSTRATES THAT COGNITIVE TESTING OF THE VICTIM DIPPED TO A DOCUMENTED LOW OF 6%, WITH BALANCE DISORDER ISSUES CLEARLY OSCILLATING FROM A 40% DEGRADATION IN PERFORMANCE ON THE LEFT, TO DEGRADATION OF PERFORMANCE OF 30% ON THE RIGHT. THIS APPEARS TO STEM FROM A OSCILLATING NERVOUS DAMAGE, DISORDER, AND BRAIN DAMAGES FROM THE ACCIDENT. INTERNAL STRESSES AS A RESULT OF THESE PREVIOUSLY DOCUMENTED INSTABILITIES KEEP THE ASSURED'S SYSTEM IN CHAOS. THE ABUSE BY THE INSURANCE CARRIER AND THEIR AGENTS FURTHER DRIVES THIS STRESS, HARASSMENT AND FURTHER INSTABILITIES. THE CRIMINALLY CORRUPT HANDLING BY USAA HAS CLEARLY SERVED TO FRUSTRATE AN ALREADY TENDER SITUATION. ALMOST 4 YEARS OF DELAY, ABUSE AND HARASSMENT HAVE NOW PASSED. BAD FAITH IS ABUNDANTLY CLEAR. IF IT MOVES FORWARD WITHOUT RESOLUTION THEN THE CRIMINAL EFFORTS OF THE UNLAWFUL ACTIVITY BY USAA AND REPRESENTATIVES (IN CONJUNCTION/PARTNERSHIP WITH CASTLEPOINT FLORIDA AND THEIR AGENTS) BECOMES "PERFECTED". YOUR CRIME IS ALMOST COMPLETE. WHAT SHOULD WE DO? DEPOSIT SLIPS WERE CONVEYED TO THE CROOKED ATTORNEY AT THE EUO SO THAT THEY CAN TRANSFER THE APPROPRIATE AMOUNT. AT THIS POINT IT SEEMS TO BE USAA'S OBLIGATION TO PAY WHATEVER AMOUNTS THEY DEEM POSSIBLE AND SEND THEIR ADJUSTMENT. THEY NO LONGER NEED TO SEND A CHECK AND/OR USE THE BAIT AND SWITCH TACTIC OF CHANGING PARTIAL CLAIMS OFFERS IN TO FINAL AS THEY HAVE TRIED BEFORE. FLORIDA LAW REQUIRES THEY PAY THE AMOUNT DUE AS SOON AS PRACTICAL. THEY NOW HAVE ALL THE TOOLS AT THEIR DISPOSAL TO MAKE AN APPROPRIATE PAYMENT. IT IS CLEARLY DEMONSTRATED THEY HAVE HAD THESE TOOLS FOR YEARS. CRIMINAL BEHAVIOR PUTS USAA IN AN AWKWARD POSITION. BY NOW IT MUST BE CLEAR TO THEM THAT GOOD FAITH HAS NOT BEEN EXTENDED AND CONTINUED USE OF THE CRIMINAL HOOLIGANS PUT FORWARD THUS FAR IS NOT ADVISABLE. PHOTOS AND OTHER DOCUMENTATION WAS AVAILABLE TO YOUR ATTORNEY ON THE DAY OF THE SECOND HOAX EUO BUT SHE RAN OUT OF THE ROOM BEFORE REQUESTING IT. WHAT SHOULD I DO WITH THE ADDITIONAL DOCUMENTS? MANY OF THEM YOU ALREADY HAVE MULTIPLE COPIES OF BUT HAVE FAILED TO PROPERLY HANDLE, ACKNOWLEDGE, AND RESPOND TO. WHAT WOULD YOU LIKE NOW? FLORIDA LAW WOULD HOLD THAT I DO NOT HAVE TO AGREE WITH YOUR BULLSHIT, BUT IT DOES REQUIRE THAT YOU MAKE ADEQUATE PAYMENTS AND EFFORTS TO PAY. MY AGREEMENT TO YOUR TERMS IS NOT A REQUIREMENT OF LAW OR POLICY. YOUR EFFORTS TO NEGOTIATE A TOTAL SETTLEMENT BASED ON PARTIAL INFORMATION HAS ALWAYS BEEN SEEN AS CROOKED. POLICY AMOUNTS ARE SUFFICIENTLY EXCEEDED WITH THE INFORMATION BEFORE YOU, UNLESS YOU HAVE DISPOSED OF THE EVIDENTIARY SUPPORTS. IF THERE IS A NEXT MOVE REQUIRED OF ME, PLEASE ADVISE IN SUFFICIENT TIME FOR ADEQUATE PREPARATION TO BE MADE. (NOTE: YOUR EUO OF FEBRUARY 14, 2014 WAS ONLY SERVED A FEW DAYS PRIOR.) YOUR NEXT MOVE IS TO TRANSFER FUNDS. THERE IS AN ABUNDANCE OF INFORMATION CLEARLY IN YOUR HANDS FOR YOU TO MAKE PAYMENTS DIRECTLY TO MY ACCOUNT. DEAR COMMISSIONER, NOTICE WITH EACH OF MANY CIVIL REMEDY NOTICES THESE HOOLIGANS WAIT UNTIL THE LAST POSSIBLE DAY ALMOST TO RESPOND. THEY ARE CLEARLY USING PROCESS IN MANY WAYS TO ABUSE THE ASSURED. EACH ACTION/INACTION IS ONE TO FURTHER THEIR CRIMINAL MISCHIEF. IN SO DOING WE COME EVER CLOSER TO EXPIRING THE STATUTE OF LIMITS ON THE CONVENTIONAL APPROACH, AND NOTICE WE ARE STILL DEALING WITH FINANCIAL EXCHANGES DUE 3 YEARS AGO, 2 YEARS AGO, 1 YEAR AGO, AND PRESENT. UNLAWFUL DELAY AND A HOST OF ABUSES PERSIST. THIS FILING IN NO WAY ALLEVIATES USAA AND THEIR AGENTS/AFFILIATES FROM PRIOR FILINGS IN THIS REGARD.
 
* Facts and circumstances giving rise to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

DEAR COMMISSIONER, WITH EACH ROUND OF COMMUNICATION THE ATTEMPTS OF USAA'S LEGAL COUNSEL AND AGENTS TO "MUDDY THE WATER" HAVE GONE TO UNLAWFUL LENGTHS TO CONFUSE AND CRIMINALIZE THE APPROACH TO A LAWFUL CLAIM. THE OFFENSES ARE VAST AND NUMEROUS. ATTEMPTS BY THE ASSURED TO DRAW USAA AND THEIR AGENTS TO A LAWFUL PATH HAVE BEEN THWARTED BY THEIR CONTINUED EFFORTS AT UNLAWFUL BEHAVIOR. THEIR ATTEMPTS TO DELAY AND CONFUSE ARE CLEARLY CRIMINAL. THEIR CRIMINAL BEHAVIOR IF SUCCESSFUL UPON EXPIRATION TO THE STATUTE OF LIMITATIONS SHOULD ENGAGE A WHOLE SERIES OF CRIMINAL LAW PURSUITS. THE DESIRE OF USAA AND THEIR AGENTS SEEMS CLEARLY TO GO THIS ROUTE SINCE THEY CONTINUALLY FILE DUBIOUS, DECEITFUL RESPONSES TO CIVIL REMEDY FILINGS AND MAKE NO PROPER ATTEMPT TO RESOLVE ANYTHING OUTSTANDING. THEY HAVE COMMITTED NUMEROUS FRAUDS IN RESPONSES THUS FAR TO YOUR OFFICE. THESE ARE NOW PART OF PUBLIC DOMAIN, AND CLEARLY AN OPPORTUNITY TO PURSUE THE ATTORNEY, AGENTS, AND USAA ARE AVAILABLE IF RESOLUTION IS NOT OBTAINED. ON 14 FEBRUARY 2014 AN EUO (EXAMINATION UNDER OATH) WAS CALLED FOR BY THE ADJUSTER/COUNSEL FOR USAA REGARDING AN ACCIDENT 3 1/2 YEARS PRIOR ON 29 AUGUST 2010. THIS ACCIDENT INVOLVED AN ASSURED OF USAA (THEODORE WHIDDEN) WHO WAS REAR-ENDED BY A HIGH SPEED 18 WHEELER. THROUGH A NUMBER OF DUBIOUS INTERACTIONS THE INSURANCE CARRIER USAA ASSUMED LIABILITY FOR THE REAR-END COLLISION UNDER THE "UNINSURED MOTORIST" COVERAGE OF MR. WHIDDEN'S POLICY. (CIVIL REMEDY FILING PREVIOUSLY ATTEMPTS TO ADDRESS ONE OF THE CONSPIRACY'S TO DEFRAUD.) THE INSURANCE CARRIER USAA HAS UNLAWFULLY AND WILLFULLY DELAYED PAYMENTS, AVOIDED PAYMENTS, DISPOSED OF DOCUMENTS, FAILED TO PROPERLY INVESTIGATE, MANAGE, AND DOCUMENT THE FILE. THE CARRIER USAA AND THEIR AGENTS HAVE PARTIED WITH OTHER CRIMINAL ELEMENTS TO AVOID PAYMENTS IN A CLEAR, ABSOLUTE FAULT SITUATION IN WHICH THE ASSURED WAS REAR-ENDED BY AN IMPROPERLY OPERATED 18 WHEELER. LEADING TO THE EUO AND SINCE THE INTER-RELATIONS AND CLAIMS HANDLING BY USAA HAS BEEN PLAGUED BY THEIR CONTINUED CORRUPTION, INCOMPETENCE, DELAY, DECEIT AND FRAUD. SOME OF THIS CORRUPTION IS OUTLINED IN THE CIVIL REMEDY FILINGS LEADING TO THIS. ADDITIONAL OFFENSES WILL BE LISTED SHOULD THIS GO TO CRIMINAL COURT. NOTING USAA'S RESPONSE AND ATTEMPTS TO RESOLVE THESE PREVIOUS CIVIL REMEDY FILINGS HAVE NOT ONLY BEEN INSUFFICIENT, BUT THEIR RESPONSES ARE FULL OF FRAUD, DECEIT, DELAY, AND A HOST OF CRIMINAL OFFENSES. THIS PATTERN OF DECEPTION IS EITHER CRIMINALLY INCOMPETENT OR SIMPLY CRIMINAL IN INTENT. THEIR INTENTS AND PATTERNS TO AVOID CLEAR-CUT OBLIGATIONS IS OBVIOUS. THE EUO IS/WAS NO DIFFERENT. THE ATTORNEY SENT FOR THE EUO IS DEEPLY IMBEDDED IN HER OWN CRIMINAL BEHAVIOR IN THIS CASE TO FURTHER THE CONFUSION OF HER CLIENT. SHE IS ABSURD IN HER APPROACHES, HANDLING, AND HAS COMMITTED NUMEROUS CRIMINAL OFFENSES ON HER OWN, AND OTHER ACTIONS/INACTIONS TO FURTHER THE CRIMINAL ACTIVITY OF HER CLIENT MAKING HER COMPLICIT IN THEIR CRIMES. FURTHER TO THE CORRUPTION SERVING USAA, UNDER HER FIRM'S DIRECTION IT WOULD SEEM ALLOWED LIABILITY OF THE CASE TO SHIFT IN THEIR DIRECTION (FROM THIRD PARTY LIABILITY) IN HOPES THEY COULD FINISH OUT THE ATTEMPTS AT FRAUD AND DECEIT OF THE OPPOSING UNDERWRITERS. SHE AND HER FIRM ARE CLEARLY COMPLICIT IN THE FRAUDS AND SCHEMES TO DEFRAUD LEADING TO HER INVOLVEMENT, AND SINCE. USAA HAS BEEN INFORMED NUMEROUS TIMES IN POTENTIALLY DOZENS OF CIVIL REMEDY FILINGS AND COMMUNICATION ATTEMPTS THAT THEIR AGENTS AND HANDLERS ARE BEHAVING UNLAWFULLY. IT IS CLEARLY IN THEIR CRIMINAL BEST INTEREST TO RADICALLY CHANGE TACTICS OR REMAIN ALONG THIS DISHONEST TRACK. SINCE THEY HAVE PERPETRATED THEIR OWN SET OF FRAUDS AND FELONY MISHANDLINGS FOR MORE THAN 3 YEARS THERE IS A CLEAR COMMUNICATIONS THEY HAVE CHOSEN THEIR PATH AND THEIR CRIMINAL FACILITATORS, DESPITE PLEAS TO REMOVE CRIMINAL CLAIMS HANDLERS, AGENTS, AND ATTORNEYS FROM THE CASE. THEIR POSITION IS CLEAR. THE CORRUPTION IS CLEAR. AT THE EUO IT IS CLEAR TO ANY OBSERVER THE ATTORNEY (KRISTEN VAN DER LINDE) SHOWED UP UNPREPARED AND OUT OF HER ELEMENT. HER PERFORMANCE WAS DEPLORABLE AS WAS HER APPEARANCE, PRESENCE, AND HER PLAN OF ATTACK. THE LACK OF PREPAREDNESS AND INCOMPETENCE OF VAN DER LINDE IS EASILY HIGH-LIGHTED BY BOTH THE WRITTEN AND VERBAL RESPONSES TO HER IDIOTIC QUESTIONS. VAN DER LINDE'S APPROACH IN QUESTIONING CONCERNED THINGS SHE COULD HAVE "DISCOVERED" IN WRITING. ALL THE REQUIRED ANSWERS HAVE BEEN IN THE FILE FOR MONTHS AND YEARS NOW. VAN DER LINDE'S INCOMPETENCE AND LACK OR PREPAREDNESS LIKELY GIVES HER CLIENT AN ACTION AGAINST HER. VAN DER LINDE'S REQUESTED RECORDING ACTUALLY EXEMPLIFIES THE USAA CLAIM DEVIANCE IN ACTION. VAN DER LINDE'S QUESTIONS WERE SO POORLY PLANNED AND PRESENTED THEY HAD NO VALUE TO THE CASE WHATSOEVER. ULTIMATELY IN FRUSTRATION VAN DER LINDE FLED THE ROOM DISHONESTLY CLAIMING TO LOCAL LAW ENFORCEMENT THAT SHE WAS THREATENED IN THE EUO. MS. VAN DER LINDE EXHIBITS SOME SERIOUSLY DEFICIENT SKILLS IN PERFORMING HER JOB. SHE HAS SOME REPETITIVE FLAWS IN HER APPROACH THAT TIP THE RECIPIENT TO HER DEVIANCE. SHE IS REALLY A LIABILITY TO HER CLIENT/TEAM. VAN DER LINDE CALLED FOR A FALSE "EUO" MORE THAN ONE YEAR PRIOR. WITH NO NOTICE AND FOR NO REASON VAN DER LINDE CHANGED THE VENUE. THIS WAS WITHOUT CALL OR JUSTIFICATION. THE OFFICE OF THE COMMISSIONER OF INSURANCE WAS NOTIFIED BY WAY OF EUO OF THIS FIASCO. VAN DER LINDE HAS LIED NUMEROUS TIMES IN HER RESPONSES TO THE COMMISSIONER AND HER RESPONSE TO COMMISSIONER REGARDING THE FAKE 2013 ATTEMPT AT EUO IS/WAS NO EXCEPTION. CIVIL REMEDY FILINGS AT THAT TIME PROVED TRUE IN THIS 2014 EUO. USAA'S CONTINUED USE OF THESE TYPE BAIT AND SWITCH TACTICS AND THOSE WHO PERFORM THEM DEMONSTRATE CONTINUED BAD FAITH. THE FEBRUARY 14, 2014 EUO DISSOLVED WHEN THE ATTORNEY INAPPROPRIATELY PRESSED THE ASSURED (WHIDDEN) FOR LEGAL DOCUMENTS REGARDING INCOME. THE IDIOT ATTORNEY, AND HER CROOKED CLIENT NEED TO UNDERSTAND THAT CLAIMING INCOME IS A RIGHT OR PRIVILEGE UNDER THE POLICY, NOT AN OBLIGATION. NEITHER THE INSURANCE CARRIER, NOR THEIR AGENT HAS ANY RIGHT TO FORCE ISSUES OF PRIVACY. THE ASSURED HAS NO OBLIGATION TO PROVIDE PERIPHERAL INFORMATION NOT PART OF THE CASE.............THE ATTORNEY BADGERED THE ASSURED IN THE EUO REGARDING SOMETHING THEY WERE NOT ENTITLED. WHEREAS THE ASSURED IS/WAS CLEARLY IMPAIRED, THE RESPONSE TO THE ATTORNEY IN THE EUO WAS TO AGAIN POINT OUT THE NUMEROUS FELONY FRAUDS, FRAUD ATTEMPTS, ETC OF THE CROOKED CLAIMS TEAM. CAPTURED IN THE RECORDED EUO WAS ADDITIONAL NOTICE, ADMISSION, AND COMMISSION OF FRAUDS BY THE CROOKED CLAIMS TEAM. YES, ADDITIONAL FRAUDS CONTINUE DURING AND SINCE EUO. THE EUO IN ITSELF, AS HAS THE PROCESS ALL ALONG DEALING WITH USAA, THEIR AGENTS, AND ATTORNEYS (JENERRETTE AND BOYD) HAS BEEN RIDDLED WITH DECEPTION. THIS PROCESS SHALL SOON END. IT WOULD APPEAR ON THE UPCOMING AUGUST 29TH THE FRAUDS AND DECEPTIONS INITIATED BY THIS TEAM AND THEIR AFFILIATES WILL BE "PERFECTED". THEIR EFFORTS TO EXHAUST THE TIME ON STATUTE OF LIMITATIONS, TO UNLAWFULLY DELAY, DENY, AVOID, AND FRUSTRATE THE CLAIMS PROCESS WILL FULFILL THEIR GOALS. AT THAT JUNCTURE CRIMINAL STATUTES WITH IRREVERSIBLE EFFECTS CAN OCCUR. CLEARLY THE TIME TO NEGOTIATE A SETTLEMENT IS NEAR. CLEARLY THE DOOR HAS ALWAYS BEEN OPEN TO USAA TO MAKE A PROPER APPROACH TO THE ASSURED FOR RESOLUTION, YET THEY HAVE NOT ACCEPTED OUTREACH FROM THE ASSURED FOR ASSISTANCE. INSTEAD THEY HAVE AVOIDED, DELAYED, AND DENIED THEIR RESPONSIBILITIES. THE GOAL OF USAA AND THEIR AGENTS/COUNSEL SEEMS CLEAR. FIRST GOAL OF USAA WAS TO DENY ASSURED'S ABILITY TO RECOVER UNDER THE THIRD PARTY COVER. THEIR AGREEMENT ON 18 DECEMBER 2013 WAS ASININE. THEY AGREED IN COLLUSION WITH THE OTHER SIDE BY CONSPIRING TO DEFRAUD THE ASSURED OF POTENTIALLY $1 MILLION IN COVERAGE TO WHICH USAA AND THEIR AGENTS ARE NOW RESPONSIBLE (BY WAY OF AIDING AND ABETTING A FELONY AT A MINIMUM). USAA ARE FURTHER ENDEAVORING TO EXTEND THEIR INCOMPETENCE AND CRIMINAL ACTIVITIES TO AVOID COVERAGE OF REASONABLE EXPENSES UNDER THE PIP, MEDICAL PAYMENTS, AND UNINSURED MOTORIST COVERAGE OF THEIR ASSURED (THEODORE WHIDDEN) IN THE AMOUNT OF $315,000. USAA'S CONTINUED HARASSMENT, FRUSTRATION, DENIAL, DELAY, ETC OF AN IMPAIRED ASSURED CONSTITUTES BAD FAITH AT VIRTUALLY ALL LEVELS, AND IN VIRTUALLY ALL INTERACTIONS. NUMEROUS UNRESOLVED CIVIL REMEDIES SPELL OUT THE CALLOUS, SLIP-SHOD, CRIMINAL BEHAVIOR OF USAA AND THEIR AGENTS. NOTHING HAS BEEN DONE TO CORRECT ANY OF THIS, RATHER THE EUO OF 14 FEBRUARY 2014 WAS SET TO FURTHER THIS EFFORT. USAA'S LACK OF GOOD FAITH (IE. BAD FAITH) BEHAVIOR WOULD REQUIRE TRIPLE PENALTIES IN A COURT OF LAW MAKING THEIR CONTINUED ABUSE OF THIS ASSURED VALUED AT $1,315,000 WITH PENALTIES, $3,945,000 FOR A MINIMUM SETTLEMENT VALUE AT THIS TIME OF $5,260,000. OF COURSE THERE COULD BE MULTIPLES OF THIS AMOUNT SHOULD THIS GO TO CRIMINAL COURT FOR FRAUD. THIS AMOUNT IS ESTABLISHED PRIMARILY BECAUSE THAT IS THE DIRECTION WE ARE HEADING WITHOUT ADEQUATE ATTEMPT TO RESOLVE. FAILURE TO RESOLVE AT AN APPROPRIATE LEVEL BY AUGUST 29TH, 2014 PUTS THIS IN CRIMINAL COURT. UNDERSTAND ALL, THE EUO DISSOLVED AS A RESULT OF THE IDIOT ATTORNEY UNLAWFULLY PURSUING AND BADGERING THE ASSURED FOR A LOSS OF INCOME CLAIM THAT HAS NOT BEEN PUT FORWARD! LOSS OF INCOME IS AN OPTION, RIGHT OR OPPORTUNITY OF THE ASSURED, NOT AN OBLIGATION. THE ATTORNEY AND THEIR CLAIMS TEAM HAVE STALLED AND AVOIDED PAYMENTS FOR OVER 3 YEARS. THERE ARE NUMEROUS CRIMINAL ATTEMPTS FROM 3 YEARS BACK TO AVOID AND DELAY INCLUDING BUT NOT LIMITED TO UNLAWFULLY ADVISING SERVICE PROVIDERS THAT BENEFITS WERE EXHAUSTED, WHEN THE BENEFITS WERE NEVER EXHAUSTED! FURTHER TO THIS THE CROOKED ATTORNEY AND CLAIMS TEAM PARTIED TO COMMIT MORE THAN 12 FEDERAL FRAUDS IN ATTEMPTS TO CONVERT A PARTIAL PAYMENT (PAYMENT ON ACCOUNT) TO A COMPLETE AND FINAL PAYMENT! THIS IS OLD-SCHOOL CROOKED, AND CRIMINAL FRAUD. THE ASSURED AND THEIR CROOKED ATTORNEYS HAVE BEEN ADVISED AND REQUESTED TO PUT SOMEONE OF INTEGRITY AT THE HELM OF THIS RUN AWAY TRUCK DISASTER. THEY HAVE FAILED. LEADING TO THIS POINT, A CLAIM FOR WAGES WAS NEVER MADE, AND IS THEREFORE NOT THE CONCERN OF THE ATTORNEY OR USAA. MEANWHILE, THE ASSURED STOOD BY PRESENTATION OF ORIGINAL FILINGS SOME 3 YEARS OLD AT THE EUO ESTABLISHING CLEARLY THE ATTEMPTS TO DELAY, AND DEFRAUD. IN THREE YEARS USAA HAVE FAILED TO ADDRESS THE SIMPLEST OF CLAIMS ISSUES, AND HAVE EVEN AVOIDED FOR 18 MONTHS PAYING AGREED PARTIAL PAYMENTS. A WAGE CLAIM WILL BE FORTHCOMING ONCE THE CLAIMS ISSUES OF 3+ YEARS AGO ARE RESOLVED, ONCE PAYMENTS ON ACCOUNT WHICH HAVE BEEN OFFERED AND ACCEPTED (YET NOT PAID BY USAA) HAVE BEEN MADE. LOSSES WOULD APPEAR TO EXHAUST POLICY AMOUNTS WITHOUT A WAGE CLAIM, BUT THE INSURANCE CARRIER AND THEIR AGENTS HAVE FAILED TO ADJUST THE EXPENSE SUBMISSIONS. THE PROBLEM AS SEEN BY THE ASSURED IS THAT USAA AND THEIR AGENTS/ATTORNEYS AT EACH OPPORTUNITY HAVE TAKEN THE CROOKED OR DEVIOUS ROUTE. THERE IS NO INTEGRITY OR HONESTY ON THEIR TEAM. THE ASSURED CLEARLY IMPAIRED IN ALL THE RECORDS PROVIDED TO USAA IS BEING TAKEN UNDUE ADVANTAGE BY A CRIME RING/TEAM WITH CLEAR INTENT TO HARM, HARASS, AND DECEIVE. IT IS PROPER FOR USAA TO PAY CLAIMS DATING BACK MORE THAN 3 YEARS BASED ON DOCUMENTS BEFORE THEM AT THAT TIME AND SINCE. IT IS PROPER FOR USAA TO MAKE THE PARTIAL PAYMENT SETTLEMENT PER OFFER/ACCEPTANCE OF NOVEMBER 2012. IT IS PROPER FOR USAA TO MAKE ADJUSTMENT AND PROPER HANDLING OF PAYMENT FOR DOCUMENTS INCLUDED IN THE ACCEPTANCE OF THE NOVEMBER 2012 OFFER. USAA AND THEIR AGENTS NOW HAVE IN THEIR POSSESSION ENOUGH EXPENSES TO EXHAUST VIRTUALLY ALL ORIGINAL POLICY LEVELS. THERE IS NO NEED TO REQUEST/REQUIRE MORE DOCUMENTS FOR SAME UNLESS THEY HAVE LOST, DESTROYED, OR FAILED TO ACKNOWLEDGE MORE THAN $100,000 IN EXPENSES SUBMITTED. (THIS IS INDEED THE CASE.). A REASONABLE CLAIM DEMAND TO AVOID FURTHER DISRUPTION IS CLEARLY MADE HEREIN IN THE AMOUNT OF $5,260,000. IT IS USAA'S DECISION HOW TO HANDLE THIS AS WELL AS ALL OTHER OUTSTANDING AMOUNTS. IRRESPECTIVE OF ALL CRIMINAL ATTEMPTS AND INTENTIONS OF USAA, THEY ARE STILL OBLIGATED TO MAKE A SERIES OF PAYMENTS THEY HAVE FAILED TO MAKE WITHOUT REASON. IT IS INDEED A TANGLED WEB OF DECEPTION ORCHESTRATED BY USAA AND THEIR AGENT/OPERATIVES. THE CRIMINAL COURTS WILL CLEARLY SEE A PATH TO RESOLUTION. IT IS REPULSIVE TO PAY THESE CROOKS 25 YEARS OF PREMIUM TO BE TREATED SO CALLOUSLY AND CROOKEDLY AT SO MANY TURNS. THEY HAVE PERPETRATED CRIMES CONTINUOUSLY FOR OVER 3 YEARS, AND HAVE ADDED ACCOMPLICES WHO ARE MEMBERS OF THE FLORIDA BAR. THREE ATTORNEYS AND MANAGING PARTNER OF BOYD AND JENERRETTE WAS NOTIFIED AND HAS ALLOWED HIS FIRM/MEMBERS TO CONTINUE THIS UNLAWFUL COURSE OF ACTION. THE FIRM, PARTNERS AND MEMBERS ARE CLEARLY PARTY TO THIS ACTION. SINCE THE HOAX EUO OF FEBRUARY 14, 2014 THE ASSURED HAS HAD ADDITIONAL TESTS, AND TREATMENTS APPEARING TO AMOUNT IN EXCESS OF $16,000 IN VALUE. IT APPEARS LONG TERM, ONGOING THERAPY AND TREATMENT IS RUNNING IN EXCESS OF $30,000 ANNUALLY. THE CRIMINAL EFFORTS OF USAA TO AVOID EARLY RESPONSIBILITY IS IN PART RESPONSIBLE FOR THESE ONGOING COSTS, SLOW DIAGNOSTICS, AND THERAPY. THERAPIES HAVE BEEN DELAYED AND COMPLICATED BECAUSE IN PART DUE TO USAA UNLAWFUL ACTIVITY. IT HAS BEEN CLEARLY STATED TO USAA THRU CIVIL REMEDIES AND OTHER FILINGS THAT THE ASSURED DESIRES SOMEONE OF HONESTY AND INTEGRITY TO HANDLE THE FILE OTHER THAN THE CRIMINAL ELEMENT SEEN THUS FAR. THERE IS NO "GOOD FAITH" IN THE APPROACHES BY USAA THUS FAR. MEANWHILE, COSTS CONTINUE WITH DIAGNOSTICS AND THERAPY ESCALATING. WHO IS THE ASSURED TO SUBMIT DOCUMENTS TO FOR THESE COSTS AS WELL AS THE LOST INCOME/WAGE CLAIM? CLEARLY THE APPOINTED PERSONNEL THUS FAR ARE NOT OF HONOR OR INTEGRITY FOR HANDLING THESE THINGS OR WE WOULD NOT BE WHERE WE ARE. THE ASSURED AWAITS SOMEONE OF INTEGRITY PRIOR TO SUBMITTING PERSONAL DOCUMENTS AND ADDITIONAL RECEIPTS/DOCUMENTS. CLEARLY THE CRIMINAL ELEMENT INVOLVED TO THIS POINT WHO HAVE ABUSED THE ASSURED ARE NOT WORTHY OF ADDITIONAL INFORMATION. THE APPOINTED ATTORNEY CLEARLY AVOIDS, IGNORES, AND DISPOSES OF DOCUMENTS OF HER CHOOSING TO HARASS THE ASSURED. THIS IS NOW ABUNDANTLY CLEAR. BOYD AND JENERRETTE AS AGENTS AND THEIR PERSONNEL MUST BE REMOVED WITH SOMEONE OF INTEGRITY TO COME FORWARD TO RESOLVE THIS CLAIM. IT IS A REQUIREMENT OF GOOD FAITH CLAIM HANDLING. WHO WILL MOVE THIS CASE LAWFULLY FORWARD? WHO DO I COMMUNICATE WITH? CLEARLY IT CANNOT BE THE INCOMPETENTS INTRODUCED THUS FAR. WHO WILL OFFER TO PROPERLY ADDRESS AND RESOLVE THIS CASE? THE ASSURED IS CLEARLY DEALING WITH CONCUSSION ISSUES, TBI, POST TRAUMATIC ISSUES AND A HOST OF PROBLEMS STEMMING FROM THE LOSS AND THE ABUSES. THE INSURANCE CARRIER (USAA) FILE CLEARLY DEMONSTRATES THAT COGNITIVE TESTING OF THE VICTIM DIPPED TO A DOCUMENTED LOW OF 6%, WITH BALANCE DISORDER ISSUES CLEARLY OSCILLATING FROM A 40% DEGRADATION IN PERFORMANCE ON THE LEFT, TO DEGRADATION OF PERFORMANCE OF 30% ON THE RIGHT. THIS APPEARS TO STEM FROM A OSCILLATING NERVOUS DAMAGE, DISORDER, AND BRAIN DAMAGES FROM THE ACCIDENT. INTERNAL STRESSES AS A RESULT OF THESE PREVIOUSLY DOCUMENTED INSTABILITIES KEEP THE ASSURED'S SYSTEM IN CHAOS. THE ABUSE BY THE INSURANCE CARRIER AND THEIR AGENTS FURTHER DRIVES THIS STRESS, HARASSMENT AND FURTHER INSTABILITIES. THE CRIMINALLY CORRUPT HANDLING BY USAA HAS CLEARLY SERVED TO FRUSTRATE AN ALREADY TENDER SITUATION. ALMOST 4 YEARS OF DELAY, ABUSE AND HARASSMENT HAVE NOW PASSED. BAD FAITH IS ABUNDANTLY CLEAR. IF IT MOVES FORWARD WITHOUT RESOLUTION THEN THE CRIMINAL EFFORTS OF THE UNLAWFUL ACTIVITY BY USAA AND REPRESENTATIVES (IN CONJUNCTION/PARTNERSHIP WITH CASTLEPOINT FLORIDA AND THEIR AGENTS) BECOMES "PERFECTED". YOUR CRIME IS ALMOST COMPLETE. WHAT SHOULD WE DO? DEPOSIT SLIPS WERE CONVEYED TO THE CROOKED ATTORNEY AT THE EUO SO THAT THEY CAN TRANSFER THE APPROPRIATE AMOUNT. AT THIS POINT IT SEEMS TO BE USAA'S OBLIGATION TO PAY WHATEVER AMOUNTS THEY DEEM POSSIBLE AND SEND THEIR ADJUSTMENT. THEY NO LONGER NEED TO SEND A CHECK AND/OR USE THE BAIT AND SWITCH TACTIC OF CHANGING PARTIAL CLAIMS OFFERS IN TO FINAL AS THEY HAVE TRIED BEFORE. FLORIDA LAW REQUIRES THEY PAY THE AMOUNT DUE AS SOON AS PRACTICAL. THEY NOW HAVE ALL THE TOOLS AT THEIR DISPOSAL TO MAKE AN APPROPRIATE PAYMENT. IT IS CLEARLY DEMONSTRATED THEY HAVE HAD THESE TOOLS FOR YEARS. CRIMINAL BEHAVIOR PUTS USAA IN AN AWKWARD POSITION. BY NOW IT MUST BE CLEAR TO THEM THAT GOOD FAITH HAS NOT BEEN EXTENDED AND CONTINUED USE OF THE CRIMINAL HOOLIGANS PUT FORWARD THUS FAR IS NOT ADVISABLE. PHOTOS AND OTHER DOCUMENTATION WAS AVAILABLE TO YOUR ATTORNEY ON THE DAY OF THE SECOND HOAX EUO BUT SHE RAN OUT OF THE ROOM BEFORE REQUESTING IT. WHAT SHOULD I DO WITH THE ADDITIONAL DOCUMENTS? MANY OF THEM YOU ALREADY HAVE MULTIPLE COPIES OF BUT HAVE FAILED TO PROPERLY HANDLE, ACKNOWLEDGE, AND RESPOND TO. WHAT WOULD YOU LIKE NOW? FLORIDA LAW WOULD HOLD THAT I DO NOT HAVE TO AGREE WITH YOUR BULLSHIT, BUT IT DOES REQUIRE THAT YOU MAKE ADEQUATE PAYMENTS AND EFFORTS TO PAY. MY AGREEMENT TO YOUR TERMS IS NOT A REQUIREMENT OF LAW OR POLICY. YOUR EFFORTS TO NEGOTIATE A TOTAL SETTLEMENT BASED ON PARTIAL INFORMATION HAS ALWAYS BEEN SEEN AS CROOKED. POLICY AMOUNTS ARE SUFFICIENTLY EXCEEDED WITH THE INFORMATION BEFORE YOU, UNLESS YOU HAVE DISPOSED OF THE EVIDENTIARY SUPPORTS. IF THERE IS A NEXT MOVE REQUIRED OF ME, PLEASE ADVISE IN SUFFICIENT TIME FOR ADEQUATE PREPARATION TO BE MADE. (NOTE: YOUR EUO OF FEBRUARY 14, 2014 WAS ONLY SERVED A FEW DAYS PRIOR.) YOUR NEXT MOVE IS TO TRANSFER FUNDS. THERE IS AN ABUNDANCE OF INFORMATION CLEARLY IN YOUR HANDS FOR YOU TO MAKE PAYMENTS DIRECTLY TO MY ACCOUNT. DEAR COMMISSIONER, NOTICE WITH EACH OF MANY CIVIL REMEDY NOTICES THESE HOOLIGANS WAIT UNTIL THE LAST POSSIBLE DAY ALMOST TO RESPOND. THEY ARE CLEARLY USING PROCESS IN MANY WAYS TO ABUSE THE ASSURED. EACH ACTION/INACTION IS ONE TO FURTHER THEIR CRIMINAL MISCHIEF. IN SO DOING WE COME EVER CLOSER TO EXPIRING THE STATUTE OF LIMITS ON THE CONVENTIONAL APPROACH, AND NOTICE WE ARE STILL DEALING WITH FINANCIAL EXCHANGES DUE 3 YEARS AGO, 2 YEARS AGO, 1 YEAR AGO, AND PRESENT. UNLAWFUL DELAY AND A HOST OF ABUSES PERSIST. THIS FILING IN NO WAY ALLEVIATES USAA AND THEIR AGENTS/AFFILIATES FROM PRIOR FILINGS IN THIS REGARD.


Comments
User Id Date Added Comment
kvanderlinde@boyd-jenerette.com 06-02-2014 A letter was sent to the Complainant on 06/02/14 in response to the Civil Remedy Notice.
Acknowledgement
* The submitter hereby states that this notice is given in order to perfect the rights of the person(s) damaged to pursue civil remedies authorized by Section 624.155, Florida Statutes.

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DFS-10-363
Rev. 10/14/2008