Filing Number:     258522

Filing Accepted:  6/6/2014

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 13 U Claim #* 0317 06 13 U

Attorney

Attorney is Applicable

Violation

Insurer Type *   Authorized Insurer Unauthorized Insurer   Insurer Name Insurer Name*   UNITED SERVICES AUTOMOBILE ASSOCIATION Insurer Name* Street Address* City, State Zip* , NAIC Company Code 25941   Name of individual responsible for violation (if any):* KRISTEN VAN DER LINDE, KATHRYN M OUGHTON, CRISTINE PEREZ-TANNER, DEBORAH CAKOUROS, SARA SEPULVEDA Type of Insurance * Auto

Reason for Notice * Claim Delay Unsatisfactory Settlement Offer Other : Fraud Other : Conspiracy to Defraud Other : Insurance Fraud Other : Abuse of Process 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 dishonest and deceitful and delayed responses & handling to previous Civil Remedy filing Other : Intentional infliction of emotional distress Other : Negligent infliction of emotional distress * 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. REFERENCE REAR END COLLISION OF 8/29/2010 WHEREIN THE ASSURED, THEODORE L WHIDDEN, WAS UNLAWFULLY REAR-ENDED BY A RUN AWAY 18 WHEELER. THE INSURANCE CARRIER (USAA) AGREED IN MIAMI DADE COURT ON 12/18/2013 WITH THE TRUCKING COMPANY REPRESENTATIVES TO CALL THIS AN “UNINSURED MOTORIST” CASE, THUS ACCEPTING FINANCIAL RESPONSIBILITY. USAA HAVE FAILED IN MANY OF THEIR FIDUCIARY RESPONSIBILITIES TO ACKNOWLEDGE, ADDRESS, AND ADJUST ASPECTS OF CLAIM AS PRESENTED. THIS CIVIL REMEDY FILING FOLLOWS MANY OTHERS, NONE OF WHICH HAVE BEEN ADEQUATELY ADDRESSED OR ANY ACTUAL FORM OF RESOLUTION ATTEMPTED BY THE INSURANCE CARRIER. THE INSURANCE CARRIER USAA AND THEIR CHOSEN CLAIMS HANDLERS/COUNSEL AT BOYD AND JENERRETTE LAW FIRM OF JACKSONVILLE (KRISTEN VAN DER LINDE, CRISTINE PEREZ-TANNER, AND KATHRYN M. OUGHTON) CONTINUE IN SUSTAINING A BAD FAITH APPROACH RIDDLED WITH CRIMINAL MISCHIEF, UNLAWFUL DELAYS, AND VARIOUS FORMS OF HARASSMENT INCLUDING BUT NOT LIMITED TO INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS AND NEGLIGENT INFLICTION OF EMOTIONAL DISTRESS. THE APPROACH OF USAA AND THEIR AGENTS HAVE BEEN PURPOSELY, REPETITIVELY, AND CONSISTENTLY DECEITFUL AND DISHONEST STEMMING FROM FRAUDS AND ATTEMPTS AT FRAUD SOME 3+ YEARS AGO, WITH MULTIPLES (POTENTIALLY DOZENS) OF CRIMINAL FRAUD ATTEMPTS SINCE. THIS FILING IS CLEARLY IRREGULAR IN NATURE AS THE COMMISSIONER CAN SEE FROM THEIR OWN FILE THAT NO RESPONSE IS OBTAINED FROM THESE CRIMINAL HOOLIGANS AT USAA WITHOUT FILING A CIVIL REMEDY FILING. MY REGULAR CORRESPONDENCE TO THESE PEOPLE ARE NOT ACKNOWLEDGED, ADDRESSED, HANDLED, OR ADJUSTED. THEY ARE PURPOSELY IGNORING, DISPOSING, AND DELAYING CORRESPONDENCE IN THEIR EFFORTS TO HARASS THE VICTIM/ASSURED. THIS HAS BECOME ABUNDANTLY CLEAR. THE HOAX EUO OF 2/14/2014 SHOWS CLEARLY THAT THEY ARE FAILING TO PROPERLY HANDLE DOCUMENTS. USAA AND THEIR REPRESENTATIVES CONTINUE IN THEIR FAILURE TO PROPERLY MANAGE, SUPPORT, AND DOCUMENT THEIR FILE. THEY ARE PURPOSELY AVOIDING AND APPARENTLY DISPOSING OF DOCUMENTS RANDOMLY TO PREVENT PROPER CLAIMS HANDLING. PROOFS ARE MOUNTING OF THEIR CRIMINAL MISCHIEF AND INDISCRETIONS. REQUESTS OF THE ASSURED TO HAVE A CIVIL MEETING WITH SOMEONE OF INTEGRITY HAVE BEEN AVOIDED FOR 3 YEARS NOW. THEY ONLY INITIATE CRIMINAL CONTACTS WITH UNLAWFUL ATTEMPTS IN MIND. UPON EACH FILING THESE CRIMINALS WAIT NEARLY 60 DAYS (ABUSE OF PROCESS) THEN FILE A DISHONEST (MISLEADING, FRAUD) RESPONSE, AND TO DATE HAVE NOT MADE REASONABLE EFFORT TO ADDRESS OR RESOLVE COMPLAINTS. THEY ONLY MAKE EFFORT TO CREATE THE ILLUSION OF EFFORT TO THE COMMISSIONER PLACATING THE SYSTEM (ABUSE OF PROCESS) WHILE DOING NOTHING IN EFFORT TO ACTUALLY ADDRESS/RESOLVE THE SITUATION. THEY HAVE DONE THIS (WHICH IS NOTHING) REPETITIVELY. THIS IS CRIMINAL IN FACT IT IS MATERIAL MISREPRESENTATION WITH THE INTENT TO DECEIVE, AND OF COURSE IF IT WORKS, THEN THEY HAVE COMMITTED FRAUD. THE CLAIMS “PROFESSIONALS” HAVE FURTHERED THEIR SCANDALOUS BEHAVIOR BY REFUSING TO COMMUNICATE WITH THE VICTIM OF THEIR CRIMES (THE POLICY HOLDER) THROUGH ANY MEANS OTHER THAN THE CIVIL REMEDY FILING SYSTEM. THE PRIMARY PURPOSE OF THIS FILING IS TO ADVISE THE COMMISSIONER THAT THE INSURANCE CARRIER (USAA) AND THEIR REPRESENTATIVES REFUSE TO COMMUNICATE WITH THE ASSURED/VICTIM THRU ANY OTHER MEANS THAN THE CIVIL REMEDY SYSTEM, THEY CONTINUE UNLAWFUL DELAYS. THEIR MATERIAL MISHANDLING OF VIRTUALLY ALL OF THEIR CIVIL REMEDY RESPONSES CONTAIN DECEPTIONS (FRAUD) AND ATTEMPTS TO FURTHER A CRIMINAL CONSPIRACY TO DEFRAUD. IT IS NOW A WELL ESTABLISHED SCHEME TO DEFRAUD THE COMMISSIONER, THE PUBLIC, AND INDIVIDUALS. AS A CASE IN POINT THE INSURANCE CARRIER’S AGENT ATTORNEY VAN DER LINDE FILED FOR TWO HOAX EXAMINATIONS UNDER OATH. THE FIRST HOAX EXAMINATION UNDER OATH DID NOT HAPPEN BECAUSE THE CRIMINALLY ACTING CLAIMS HANDLERS (ATTORNEYS KRISTINE VAN DER LINDE AND HER ACCOMPLICE CRISTINE PEREZ-TANNER) CHANGED THE VENUE AT THE LAST OPPORTUNITY AND FAILED TO ADVISE THE VICTIM/ASSURED WHIDDEN. WHIDDEN SHOWED AT THE PROPER VENUE AND THE DECEPTIVE ATTORNEYS WENT TO ANOTHER AN HOUR OR MORE AWAY. THIS HOAX EUO WAS TO BE HELD IN FIRST QUARTER OF 2013 AND IS SUBJECT OF ADDITIONAL CIVIL REMEDY FILINGS AT THAT TIME TO WHICH THE CROOKED COUNSEL FILED SOME 13+ FRAUD RIDDEN LETTERS WITH THE COMMISSIONER OF INSURANCE OFFICE. THE CRIMINAL CONSPIRACY TO DEFRAUD CONTINUES AT EACH ROUND. THE FIRST HOAX EUO (1ST QUARTER 2013) WAS IN LIEU OF LAWFUL PAYMENT OF AN AGREED PAYMENT ON ACCOUNT MADE AND ACCEPTED BY THE VICTIM/ASSURED IN NOVEMBER 2012. THE CROOKED OFFER (ALREADY DELAYED SOME 1-2 YEARS BY THE INSURANCE CARRIER) FOR PARTIAL SETTLEMENT WAS ACCEPTED BY ASSURED/VICTIM, BUT NOT FUNDED BY USAA. WE HAVE CLEAR OFFER AND ACCEPTANCE WITHOUT FUNDING. CLEARLY A VIOLATION OF CONTRACT LAW. IT TURNS OUT THIS OFFER WAS A DECEPTIVE RESPONSE BY USAA TO AN EARLIER CIVIL REMEDY NOTICE TO PRETEND TO BE MAKING AN ACTION TOWARDS SETTLEMENT, BUT FAILED TO BE FUNDED. IT IS CLEAR IN THE CIVIL REMEDIES THAT USAA AND THEIR AGENTS ARE ABUSING THE PROCESS, COMMITTING FRAUD ROUND AFTER ROUND, AND HAVE NO INTENTION TO HANDLE THEIR PART RESPONSIBLY. BAD FAITH AND A HOST OF CRIMINAL ATTEMPTS ARE READILY APPARENT AND REPETITIVE. TO REITERATE THE NOV 2012 OFFER WAS AN EFFORT OF USAA TO PLACATE THE COMMISSIONER ON AN AUGUST 2010 SERIES OF CIVIL REMEDIES. THE NOV 2012 OFFER WAS MERELY SO THEY COULD PRETEND TO MAKE EFFORT FOR THE COMMISSIONER. THEY FAILED TO FUND ONCE THE OFFER WAS ACCEPTED MAKING A CLEAR AND CONCERTED EFFORT AT FRAUD. THE HOAX EUO SERIES STEMS FROM THAT FRAUD AND THUS A PATTERN OF CONSISTENT FRAUD AND ABUSE OF PROCESS EMERGES YET AGAIN. THE SECOND HOAX EXAMINATION UNDER OATH WAS TO BE HELD FEBRUARY 14, 2014. THE CROOKED AND INCOMPETENT LEGAL COUNSEL OF USAA KRISTIN VAN DER LINDE SHOWED UP UNPREPARED AND WAS GIVEN A HOST OF DOCUMENTS DEMONSTRATED WITHIN THE HOAX EUO TO HAVE BEEN IN HER POSSESSION AND THAT OF HER CLIENT FOR SOME 18 MONTHS WITHOUT PROPER ACKNOWLEDGEMENT, ADDRESSING, OR ADJUSTING. THIS IS A PART OF THE MANY UNLAWFUL DELAYS, DELAYED PAYMENTS, AND ONGOING SCHEME TO DEFRAUD. VAN DER LINDE MADE AN IDIOT OF HERSELF IN THE EUO (AS IF SHE NEEDED HELP DOING THAT TO THIS POINT) AND RAN OUT, ALL WHILE CAUGHT ON HER OWN RECORDING. VAN DER LINDE’S PRESENCE IN THE EUO AND DOCUMENTS PRESENTED CLEARLY DEMONSTRATED THEY WERE SITTING ON A HOST OF DOCUMENTS WITH THE INTENT TO HARASS THE VICTIM/ASSURED. VAN DER LINDE AND HER TEAM’S INVOLVEMENT TO THIS POINT AND BEYOND ARE CLEAR INDICATIONS OF AN ENTRENCHED BAD FAITH EFFORT ON THE PART OF USAA. NOT ONLY HAVE THEY DEMONSTRATED CONSISTENT DISHONESTY, BUT THEY SEEM ILL PREPARED AND THUS INCOMPETENT IN THEIR PLACEMENT IN THIS RELATIONSHIP. THEIR CONTINUED INVOLVEMENT WILL LIKELY BE VERY COSTLY FOR USAA AS WE MOVE TOWARDS CRIMINAL PROSECUTION. FOLLOWING THE HOAX EUO OF FEBRUARY 14, 2014 THE VICTIM/ASSURED WHIDDEN CONTINUED WAITING PATIENTLY FOR THE ADJUSTMENT OF DOCUMENTS THE CLAIMS HOOLIGANS HAVE IMPROPERLY HANDLED FOR SOME 3+ YEARS NOW. THE CLAIMS HANDLER APPARENTLY RESPONDED TO THE ASSURED VIA REGULAR MAIL EVEN THOUGH THEY WERE ADVISED IN THE HOAX EUO THAT THE ASSURED WAS OUT OF AREA VERY OFTEN SEEKING MEDICAL HELP. ON APRIL 3, 2014 THE ASSURED/VICTIM OF THE ABUSE (WHIDDEN) SENT AN EMAIL TO THE ATTORNEYS REQUESTING ELECTRONIC/EMAIL COPY OF CORRESPONDENCE/CIVIL REMEDY RESPONSES. IN 2 MONTHS THERE HAS BEEN NO RESPONSE. WHIDDEN HAS TRIED OVER AND OVER FOR MORE THAN 3 YEARS TO FIND SOMEONE OF INTEGRITY TO DEAL WITH ON THIS CLAIM. FOR 18 MONTHS OR MORE OF THIS PERIOD THE CROOKED ATTORNEYS AT BOYD AND JENERRETTE HAVE ABUSED, DELAYED, AVOIDED, AND IGNORED THE FILINGS AND PLEAS OF THE VICTIM/ASSURED. PRESUMABLY THE ABUSES TO THE ASSURED/VICTIM AT THE HANDS OF THE ATTORNEYS ARE UNDER DIRECTION OF USAA OTHERWISE USAA WOULD APPOINT SOMEONE WITH MORE INTEGRITY TO COME FORWARD AND RESOLVE THIS ISSUE. THIS MAKES USAA COMPLICIT IN THE FRAUDS AND CRIMINAL ACTIVITY OF THE ATTORNEY(S) AND VICE VERSA TO BE TRUE. THE LEGAL/CLAIMS TEAM FOR USAA SEEM ONLY TO ATTEMPT COMMUNICATION WHEN IT IS CONVENIENT FOR THEIR PURPOSES AND AVOID ANY EFFORT TO FACILITATE PROPER HANDLING OF COMMUNICATIONS. CLEARLY THE ATTORNEYS AT BOYD AND JENERRETTE USE EMAIL AND OTHER COMMUNICATIONS (PHONE, TEXT, ETC) WHEN IT IS CONVENIENT FOR THEM, BUT NOT WHEN NEEDED FOR EXPEDITING CLAIM. IN EACH CIVIL REMEDY FILING (THE ONLY WAY TO GET ANY RESPONSE FROM THE CARRIER AND THEIR AGENTS) THE VICTIM/ASSURED HAS INCLUDED PHYSICAL ADDRESS AND ELECTRONIC ADDRESS. THE ELECTRONIC ADDRESS IS TO BE RESPONDED TO AS WELL TO KEEP IT ALL PROPER. IT WOULD SEEM USAA’S ONLY CHOICE IS TO PAY POLICY LIMITS AND QUIT THE GAMES, YET IF THE GAMES CONTINUE CLEARLY THEY WISH TO BE TAKEN TO TASK FOR THEIR CRIMINAL BEHAVIOR. AS MANY OF THESE HOOLIGANS WENT TO LAW SCHOOL THIS SHOULD BE EASY FOR THEM TO SEE, AND SHOULD BE EASIER FOR A JURY TO SEE WHAT IS GOING ON SHOULD WE NEED TO GO THAT ROUTE. IN THE HOAX EUO IT IS NOW CLEAR THAT DOCUMENT TAMPERING AND IGNORING THE FILINGS OF THE ASSURED ARE ROUTINE FOR KRISTIN VAN DER LINDE AND HER EMPLOYERS. NOT ONLY HAVE THEY REPEATEDLY IGNORED, DESTROYED, OR CONCEALED DOCUMENTS, BUT IT WAS CAUGHT ON VIDEO OF KRISTEN VAN DER LINDE’S OWN REQUEST AND CHOOSING. VAN DER LINDE CONTINUES PUTTING HER CLIENT AT RISK. IN FACT HER CLIENTS SHOULD SOON HAVE ABILITY TO TAKE ACTIONS AGAINST VAN DER LINDE AND HER FIRM, OTHERWISE THEY ARE ALL COMPLICIT IN EACH OTHER’S CRIMES. THE WEB CONTINUES TO ENTANGLE THE CRIMINAL APPROACH. VAN DER LINDE SHOULD BE REQUIRED TO ANSWER FOR HER CONCEALMENT, DISPOSAL, AND IGNORING OF MATERIAL DOCUMENTS PROVIDED TO THEM BY THE ASSURED. BAD FAITH IS APPARENT THROUGHOUT THIS CLAIM AND DEALING WITH THE CRIMINAL ELEMENTS OF THE CLAIMS AND LEGAL STAFF. THE ONLY FEASIBLE WAY FOR THESE HOOLIGANS TO AVOID THE BAD FAITH AND CRIMINAL CHARGES IS TO PAY FULL POLICY LIMITS. BANANAS, MILK, PEANUT BUTTER MEANWHILE, THE ASSURED HAD PAID PREMIUM FOR SOME 25-28 YEARS WITHOUT A LOSS. THE ASSURED WAS GUARANTEED THREE FORMS/LAYERS OF COVERAGE, AND THE INSURANCE CARRIER USAA HAS TRIED TO MANIPULATE EACH AREA OF COVERAGE SO THAT ASSURED HAS BEEN MATERIALLY SHORTED ON EACH OF THREE COVERAGES. $10,000 PIP , $5000 MEDICAL PAYMENTS, AND $300,000 FOR UNINSURED MOTORIST, FOR A TOTAL OF $315,000. USAA HAS PURPOSELY AND CONSISTENTLY SHORTED THE ASSURED ON ALL MAJOR AREAS OF COVERAGE INCLUDING BUT NOT LIMITED TO MANIPULATING DATA AND PARTNERING WITH CRIMINAL INITIATIVES TO HARM AND DISTURB THE ASSURED/VICTIM. AT A MINIMUM USAA MUST PAY $315,000 WHICH IS POLICY LIMITS. USAA (AND THEIR AGENT’S) FRAUD AND CRIMINAL ACTIVITY HAS ALL ALONG BEEN AN EFFORT TO AVOID THIS AS IN SIMPLE THEORY IT MIGHT BE THEIR HIGHEST LEVEL OF LIABILITY. SHOULD USAA FAIL TO PAY POLICY LIMITS THEY ARE SUBJECT TO BAD FAITH CLAIMS HANDLING OF TRIPLE THE AMOUNTS PAID/UNPAID. THIS POSES QUITE THE DILEMMA BECAUSE USAA’S CRIMINALLY OPERATING ATTORNEYS AGREED IN MIAMI-DADE COUNTY COURT TO ALLOW THE “AT FAULT” CARRIER TO GET OFF WITHOUT ANY LIABILITY. IN SO DOING, USAA MAY HAVE ASSUMED THE LIABILITY OF $1,000,000 THAT CARRIER SHOULD HAVE PROVIDED, MAKING USAA’S POTENTIAL EXPOSURE $1,315,000. FURTHER SINCE USAA AND THEIR CLAIMS HANDLER/ATTORNEY HAVE CONSISTENTLY ACTED AS A PREDATOR BLEEDING THE ASSURED, BAD FAITH SHOULD BE RELATIVELY EASY TO PROVE SHOULD IT BE REQUIRED THEREBY ESCALATING LIABILITIES WITH TRIPLE DAMAGES TO $5,260,000. FOLLOWING ONWARDS FROM THIS INEQUITABLE DOCTRINE WILL LIKELY REQUIRE USAA TO PAY ATTORNEY FEES OF AN ADDITIONAL 40%. THE COSTS TO USAA WILL CONTINUE TO CLIMB. IF USAA AND THEIR CROOKED LEGAL TEAM KEEP MESSING AROUND THE STAKES COULD CONTINUE TO INCREASE. FOR THREE YEARS USAA’S FILE HAS CLEARLY ESTABLISHED PERMANENT, LONG TERM DAMAGES TO WHIDDEN (THE ASSURED) FROM THE ACCIDENT. THESE DAMAGES ARE BEING AND HAVE BEEN AMPLIFIED BY THE CLAIMS MIS-HANDLING, AND FAILURES FOR THE CLAIMS PERSONNEL TO ACCURATELY COMMUNICATE WITH INTEGRITY TO SOMEONE THEY KNOW IS IMPAIRED BY A COVERED LOSS. USAA REPRESENTATIVES HAVE CONDUCTED FULL DISCOVERY OF MEDICAL RECORDS, FOUND NO PRE-EXISTING ISSUES, AND HAVE A HOST OF REPORTS POINTING THE FAULT OF WHIDDEN’S CONDITION TO BE THE SUBJECT ACCIDENT AND HARASSMENT FROM THE LEGAL/CLAIMS TEAM OF THOSE AT FAULT. AT THE HOAX EUO OF 2/14/2014 USAA’S CROOKED CLAIMS REPRESENTATIVE WAS GIVEN BANKING DETAILS FOR THE ASSURED FOR THEM TO MAKE APPROPRIATE PAYMENT(S) ON ACCOUNT. THEY CLEARLY NEED NO APPROVAL TO SEND THE AMOUNTS LONG OUTSTANDING. THERE IS NO MANDATE FOR NEGOTIATION UNTIL USAA CATCHES UP THE EXPENSES AND PAYMENTS ON ACCOUNT LEFT OUTSTANDING FOR 3 YEARS, 2 YEARS, 1 YEAR, 3 MONTHS, ETC. DOCUMENTS AND SPREADSHEETS LAYING OUT SOME $85,000 IN EXPENDITURE ARE IN THEIR POSSESSION. AN ADDITIONAL PRESENTATION APPROACHING $110,000 IN EXPENDITURE IS BEING PREPARED. MEANWHILE THE ASSURED/VICTIM AWAITS SOMEONE OF INTEGRITY TO STEP FORWARD TO RESOLVE THE OUTSTANDING CLAIM ISSUES. SINCE USAA THEMSELVES AND THEIR AGENT KRISTEN VAN DER LINDE HAVE DEMONSTRATED THAT THEY WILL DESTROY/DISPOSE OF DOCUMENTS THE VICTIM/ASSURED DOES NOT KNOW WHO TO SEND THE DOCUMENTS TO. AT THIS JUNCTURE WE ALL KNOW THAT USAA AND THEIR AGENTS ARE LIKELY TRYING TO RUN OUT THE STATUTE OF LIMITATIONS. WHEN THEY DO THEIR FRAUD IS PERFECTED/COMPLETED. AS EVERYONE SHOULD KNOW FRAUD HAS NO LIMITS OF LIABILITY OR STATUTE OF LIMITATIONS. ALSO, THE AIDING AND ABETTING STATUTES ONLY REQUIRE THAT I DEMONSTRATE SOMEONE COMMITTED A FRAUD. ALL OTHERS ARE/WERE COMPLICIT AND THE PENALTIES, FEES, ETC COULD SKYROCKET. MEANWHILE EIGHT (8) OR MORE CROOKED ATTORNEYS HAVE BEEN INVOLVED IN THIS CASE SINCE THE BEGINNING. CRIMINAL ABUSE IS ABUNDANTLY CLEAR AS THIS IS A REAR-END COLLISION WITHOUT SETTLEMENT ALMOST 4 YEARS AFTER THE EVENT.. USAA AND THEIR AGENTS WILL BE HELD LIABLE FOR MULTIPLES OF THE HIGHEST FIGURES LISTED HEREIN SHOULD WE MOVE TO A CRIMINAL TRIAL. USAA MUST IDENTIFY THE FACT THAT THEIR LEGAL TEAM IS IN OVER THEIR HEADS, AND CAUSING MORE DAMAGES AND LOSSES WITH THEIR SLOPPY AND INCOMPETENT TACTICS. IF YOU WISH TO PROCEED WITH THE CRIMINAL CASE, THEN CONTINUE ON YOUR PRESENT COURSE. AT THIS JUNCTURE IT IS CLEAR FROM THE FILE AND TO ALL INVOLVED THERE IS A PERMANENT CONDITION STEMMING FROM THE ACCIDENT. I WOULD LIKE TO RECEIVE FULL FUNDING AND ASSISTANCE IN MY PURSUIT FOR PROPER TREATMENT. I ASK AGAIN TO HAVE THE CRIMINALS WHO HAVE THUS FAR BEEN INVOLVED TO BE REMOVED, HOWEVER ADVISE THE NEW HANDLERS IF THEY CONTINUE IN THE VEIN OF THEIR PREDECESSORS THEY ARE AIDING AND ABETTING AS WELL. ANY OFFER LESS THAN MAXIMUM POLICY PAYOUT IS CLEARLY TO BE SEEN AS AN EFFORT TO FURTHER A SCHEME TO DEFRAUD, AND IS FOUND OFFENSIVE AND CONSIDERED HARASSMENT. USAA HAS FULL BANKING DETAILS TO MAKE A FULL PAYOUT/WIRE TRANSFER TO THE DELEGATED BANK OF THE ASSURED. IF USAA MAKES A FULL PAYOUT UNDER POLICY TERMS THEN THEY SHOULD NOT NEED APPROVAL OF THE ASSURED TO AFFECT THAT PAYMENT AS SOON AS POSSIBLE. MULTIPLE PAYMENTS ON ACCOUNT HAVE BEEN REQUESTED, ACCEPTED, BUT HAVE FAILED TO BE FUNDED. USAA MUST BEGIN FUNDING TO CATCH UP TO A PLACE OF GOOD FAITH. NO NEGOTIATION IS REQUIRED OF THE ASSURED UNTIL USAA CATCHES UP. THE BEST WAY TO CATCH UP IS FULL POLICY PAYOUT. USAA AND THEIR AGENT WERE CLEARLY ADVISED OF THIS IN THE HOAX EUO OF 2/14/2014. ANYTHING OTHER THAN PAYOUT SINCE DECEMBER 2010 IS SEEN AS UNLAWFUL DELAY AND CRIMINAL MISCHIEF AT A MINIMUM. FOR THE BENEFIT OF THE IDIOTS HANDLING THE CLAIM BEHALF OF USAA, IT IS CLEARLY EASIER FOR YOU TO JUSTIFY FULL PAYOUT BASED ON LOSS OF WAGES DUE TO THE DEBILITATING CONDITION OF THE VICTIM. THAT WOULD MAKE YOUR JOB EASIER, HOWEVER THAT WOULD PLACE TAXATION OF INCOME ON THE VICTIM/ASSURED WHO YOU ARE JERKING AROUND. THE KEY IN A SITUATION SUCH AS THIS IS TO PAY OUT THE MAXIMUM POSSIBLE UNDER THE POLICY BEFORE ANY DISCUSSION OF INCOME LOSS. THE PAYOUT IS THE SAME TO THE INSURANCE CARRIER, BUT MAKES A HUGE DIFFERENCE TO THE VICTIM YOU ARE ABUSING. USAA WOULD BE WISE TO HANDLE THEIR BUSINESS IN A MUCH MORE USER FRIENDLY MANNER AND FIND AGENTS OF MORE INTEGRITY AND UNDERSTANDING. UNFORTUNATELY, USAA AND THEIR AGENTS HAVE ERRED IN LARGE PART BY TRYING TO FRUSTRATE SOMEONE WHO THEIR FILE CLEARLY DEMONSTRATES IS BRAIN INJURED AS A RESULT OF THE SUBJECT ACCIDENT OF 8/29/2010. BEFORE A JURY USAA AND THEIR COUNSEL WILL LOOK PRETTY BAD. THE RESOLUTION OF THIS IS PLAIN TO SEE. USAA HAS ONLY ONE OPTION. MOVING FORWARD I WILL BE SEEKING INTEREST, PENALTIES AND INEQUITABLE DOCTRINE LEGAL FEES FOR ASSISTANCE IN ANY/ALL OF THE STATED FIGURES ABOVE. USAA’S OPPORTUNITY MOVING FORWARD WILL ONLY INCREASE THEIR COSTS, LIABILITIES, LEGAL FEES, AND PENALTIES. ONLY AN IDIOT WOULD MAKE COMMENTARY REGARDING A VICTIM’S PERMANENCY AND CAUSE OF DAMAGES WITH NO MORE PROPER INVESTIGATION THAN USAA HAS DONE. USAA’S REPRESENTATIVES WERE ADVISED IN FEBRUARY THEY WERE BADLY OUT OF SEQUENCE. NOW THEIR IDIOT ATTORNEY IS PLAYING DOCTOR TRYING TO MAKE PHYSICAL DETERMINATIONS OF THE ASSURED/VICTIM THEY ARE ABUSING. A DOCTOR’S REPORT IS BEING PREPARED TO ADDRESS PERMANENCY AND CAUSE OF VICTIM/ASSURED’S DAMAGES, HOWEVER WHIDDEN (THE ASSURED) DOES NOT KNOW WHO IS AVAILABLE TO PROPERLY ACKNOWLEDGE, ADDRESS, AND ADJUST HIS CONCERNS. USAA AND THEIR AGENTS HAVE CLEARLY GONE TO ABNORMAL MEANS TO AVOID THEIR RESPONSIBILITY FOR 3 YEARS, RESTRICTED FINANCIAL ASSISTANCE TO THE ASSURED, AND STRAINED THE ABILITY FOR DIAGNOSTICS AND RESOLUTION. USAA THEMSELVES MUST COMMUNICATE WITH THE ASSURED TO ADVISE WHO IS TO ADDRESS THIS CLAIM SINCE THEIR AGENTS HAVE DEMONSTRATED INAPPROPRIATE (BAD FAITH) ACTIONS. PAY THE CLAIM SO I CAN GET A SHOWER AND A PUPPY.   * Facts and circumstances giving rise to the violation. Enter all words or phrases (one at a time) that should be used to filter. REFERENCE REAR END COLLISION OF 8/29/2010 WHEREIN THE ASSURED, THEODORE L WHIDDEN, WAS UNLAWFULLY REAR-ENDED BY A RUN AWAY 18 WHEELER. THE INSURANCE CARRIER (USAA) AGREED IN MIAMI DADE COURT ON 12/18/2013 WITH THE TRUCKING COMPANY REPRESENTATIVES TO CALL THIS AN “UNINSURED MOTORIST” CASE, THUS ACCEPTING FINANCIAL RESPONSIBILITY. USAA HAVE FAILED IN MANY OF THEIR FIDUCIARY RESPONSIBILITIES TO ACKNOWLEDGE, ADDRESS, AND ADJUST ASPECTS OF CLAIM AS PRESENTED. THIS CIVIL REMEDY FILING FOLLOWS MANY OTHERS, NONE OF WHICH HAVE BEEN ADEQUATELY ADDRESSED OR ANY ACTUAL FORM OF RESOLUTION ATTEMPTED BY THE INSURANCE CARRIER. THE INSURANCE CARRIER USAA AND THEIR CHOSEN CLAIMS HANDLERS/COUNSEL AT BOYD AND JENERRETTE LAW FIRM OF JACKSONVILLE (KRISTEN VAN DER LINDE, CRISTINE PEREZ-TANNER, AND KATHRYN M. OUGHTON) CONTINUE IN SUSTAINING A BAD FAITH APPROACH RIDDLED WITH CRIMINAL MISCHIEF, UNLAWFUL DELAYS, AND VARIOUS FORMS OF HARASSMENT INCLUDING BUT NOT LIMITED TO INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS AND NEGLIGENT INFLICTION OF EMOTIONAL DISTRESS. THE APPROACH OF USAA AND THEIR AGENTS HAVE BEEN PURPOSELY, REPETITIVELY, AND CONSISTENTLY DECEITFUL AND DISHONEST STEMMING FROM FRAUDS AND ATTEMPTS AT FRAUD SOME 3+ YEARS AGO, WITH MULTIPLES (POTENTIALLY DOZENS) OF CRIMINAL FRAUD ATTEMPTS SINCE. THIS FILING IS CLEARLY IRREGULAR IN NATURE AS THE COMMISSIONER CAN SEE FROM THEIR OWN FILE THAT NO RESPONSE IS OBTAINED FROM THESE CRIMINAL HOOLIGANS AT USAA WITHOUT FILING A CIVIL REMEDY FILING. MY REGULAR CORRESPONDENCE TO THESE PEOPLE ARE NOT ACKNOWLEDGED, ADDRESSED, HANDLED, OR ADJUSTED. THEY ARE PURPOSELY IGNORING, DISPOSING, AND DELAYING CORRESPONDENCE IN THEIR EFFORTS TO HARASS THE VICTIM/ASSURED. THIS HAS BECOME ABUNDANTLY CLEAR. THE HOAX EUO OF 2/14/2014 SHOWS CLEARLY THAT THEY ARE FAILING TO PROPERLY HANDLE DOCUMENTS. USAA AND THEIR REPRESENTATIVES CONTINUE IN THEIR FAILURE TO PROPERLY MANAGE, SUPPORT, AND DOCUMENT THEIR FILE. THEY ARE PURPOSELY AVOIDING AND APPARENTLY DISPOSING OF DOCUMENTS RANDOMLY TO PREVENT PROPER CLAIMS HANDLING. PROOFS ARE MOUNTING OF THEIR CRIMINAL MISCHIEF AND INDISCRETIONS. REQUESTS OF THE ASSURED TO HAVE A CIVIL MEETING WITH SOMEONE OF INTEGRITY HAVE BEEN AVOIDED FOR 3 YEARS NOW. THEY ONLY INITIATE CRIMINAL CONTACTS WITH UNLAWFUL ATTEMPTS IN MIND. UPON EACH FILING THESE CRIMINALS WAIT NEARLY 60 DAYS (ABUSE OF PROCESS) THEN FILE A DISHONEST (MISLEADING, FRAUD) RESPONSE, AND TO DATE HAVE NOT MADE REASONABLE EFFORT TO ADDRESS OR RESOLVE COMPLAINTS. THEY ONLY MAKE EFFORT TO CREATE THE ILLUSION OF EFFORT TO THE COMMISSIONER PLACATING THE SYSTEM (ABUSE OF PROCESS) WHILE DOING NOTHING IN EFFORT TO ACTUALLY ADDRESS/RESOLVE THE SITUATION. THEY HAVE DONE THIS (WHICH IS NOTHING) REPETITIVELY. THIS IS CRIMINAL IN FACT IT IS MATERIAL MISREPRESENTATION WITH THE INTENT TO DECEIVE, AND OF COURSE IF IT WORKS, THEN THEY HAVE COMMITTED FRAUD. THE CLAIMS “PROFESSIONALS” HAVE FURTHERED THEIR SCANDALOUS BEHAVIOR BY REFUSING TO COMMUNICATE WITH THE VICTIM OF THEIR CRIMES (THE POLICY HOLDER) THROUGH ANY MEANS OTHER THAN THE CIVIL REMEDY FILING SYSTEM. THE PRIMARY PURPOSE OF THIS FILING IS TO ADVISE THE COMMISSIONER THAT THE INSURANCE CARRIER (USAA) AND THEIR REPRESENTATIVES REFUSE TO COMMUNICATE WITH THE ASSURED/VICTIM THRU ANY OTHER MEANS THAN THE CIVIL REMEDY SYSTEM, THEY CONTINUE UNLAWFUL DELAYS. THEIR MATERIAL MISHANDLING OF VIRTUALLY ALL OF THEIR CIVIL REMEDY RESPONSES CONTAIN DECEPTIONS (FRAUD) AND ATTEMPTS TO FURTHER A CRIMINAL CONSPIRACY TO DEFRAUD. IT IS NOW A WELL ESTABLISHED SCHEME TO DEFRAUD THE COMMISSIONER, THE PUBLIC, AND INDIVIDUALS. AS A CASE IN POINT THE INSURANCE CARRIER’S AGENT ATTORNEY VAN DER LINDE FILED FOR TWO HOAX EXAMINATIONS UNDER OATH. THE FIRST HOAX EXAMINATION UNDER OATH DID NOT HAPPEN BECAUSE THE CRIMINALLY ACTING CLAIMS HANDLERS (ATTORNEYS KRISTINE VAN DER LINDE AND HER ACCOMPLICE CRISTINE PEREZ-TANNER) CHANGED THE VENUE AT THE LAST OPPORTUNITY AND FAILED TO ADVISE THE VICTIM/ASSURED WHIDDEN. WHIDDEN SHOWED AT THE PROPER VENUE AND THE DECEPTIVE ATTORNEYS WENT TO ANOTHER AN HOUR OR MORE AWAY. THIS HOAX EUO WAS TO BE HELD IN FIRST QUARTER OF 2013 AND IS SUBJECT OF ADDITIONAL CIVIL REMEDY FILINGS AT THAT TIME TO WHICH THE CROOKED COUNSEL FILED SOME 13+ FRAUD RIDDEN LETTERS WITH THE COMMISSIONER OF INSURANCE OFFICE. THE CRIMINAL CONSPIRACY TO DEFRAUD CONTINUES AT EACH ROUND. THE FIRST HOAX EUO (1ST QUARTER 2013) WAS IN LIEU OF LAWFUL PAYMENT OF AN AGREED PAYMENT ON ACCOUNT MADE AND ACCEPTED BY THE VICTIM/ASSURED IN NOVEMBER 2012. THE CROOKED OFFER (ALREADY DELAYED SOME 1-2 YEARS BY THE INSURANCE CARRIER) FOR PARTIAL SETTLEMENT WAS ACCEPTED BY ASSURED/VICTIM, BUT NOT FUNDED BY USAA. WE HAVE CLEAR OFFER AND ACCEPTANCE WITHOUT FUNDING. CLEARLY A VIOLATION OF CONTRACT LAW. IT TURNS OUT THIS OFFER WAS A DECEPTIVE RESPONSE BY USAA TO AN EARLIER CIVIL REMEDY NOTICE TO PRETEND TO BE MAKING AN ACTION TOWARDS SETTLEMENT, BUT FAILED TO BE FUNDED. IT IS CLEAR IN THE CIVIL REMEDIES THAT USAA AND THEIR AGENTS ARE ABUSING THE PROCESS, COMMITTING FRAUD ROUND AFTER ROUND, AND HAVE NO INTENTION TO HANDLE THEIR PART RESPONSIBLY. BAD FAITH AND A HOST OF CRIMINAL ATTEMPTS ARE READILY APPARENT AND REPETITIVE. TO REITERATE THE NOV 2012 OFFER WAS AN EFFORT OF USAA TO PLACATE THE COMMISSIONER ON AN AUGUST 2010 SERIES OF CIVIL REMEDIES. THE NOV 2012 OFFER WAS MERELY SO THEY COULD PRETEND TO MAKE EFFORT FOR THE COMMISSIONER. THEY FAILED TO FUND ONCE THE OFFER WAS ACCEPTED MAKING A CLEAR AND CONCERTED EFFORT AT FRAUD. THE HOAX EUO SERIES STEMS FROM THAT FRAUD AND THUS A PATTERN OF CONSISTENT FRAUD AND ABUSE OF PROCESS EMERGES YET AGAIN. THE SECOND HOAX EXAMINATION UNDER OATH WAS TO BE HELD FEBRUARY 14, 2014. THE CROOKED AND INCOMPETENT LEGAL COUNSEL OF USAA KRISTIN VAN DER LINDE SHOWED UP UNPREPARED AND WAS GIVEN A HOST OF DOCUMENTS DEMONSTRATED WITHIN THE HOAX EUO TO HAVE BEEN IN HER POSSESSION AND THAT OF HER CLIENT FOR SOME 18 MONTHS WITHOUT PROPER ACKNOWLEDGEMENT, ADDRESSING, OR ADJUSTING. THIS IS A PART OF THE MANY UNLAWFUL DELAYS, DELAYED PAYMENTS, AND ONGOING SCHEME TO DEFRAUD. VAN DER LINDE MADE AN IDIOT OF HERSELF IN THE EUO (AS IF SHE NEEDED HELP DOING THAT TO THIS POINT) AND RAN OUT, ALL WHILE CAUGHT ON HER OWN RECORDING. VAN DER LINDE’S PRESENCE IN THE EUO AND DOCUMENTS PRESENTED CLEARLY DEMONSTRATED THEY WERE SITTING ON A HOST OF DOCUMENTS WITH THE INTENT TO HARASS THE VICTIM/ASSURED. VAN DER LINDE AND HER TEAM’S INVOLVEMENT TO THIS POINT AND BEYOND ARE CLEAR INDICATIONS OF AN ENTRENCHED BAD FAITH EFFORT ON THE PART OF USAA. NOT ONLY HAVE THEY DEMONSTRATED CONSISTENT DISHONESTY, BUT THEY SEEM ILL PREPARED AND THUS INCOMPETENT IN THEIR PLACEMENT IN THIS RELATIONSHIP. THEIR CONTINUED INVOLVEMENT WILL LIKELY BE VERY COSTLY FOR USAA AS WE MOVE TOWARDS CRIMINAL PROSECUTION. FOLLOWING THE HOAX EUO OF FEBRUARY 14, 2014 THE VICTIM/ASSURED WHIDDEN CONTINUED WAITING PATIENTLY FOR THE ADJUSTMENT OF DOCUMENTS THE CLAIMS HOOLIGANS HAVE IMPROPERLY HANDLED FOR SOME 3+ YEARS NOW. THE CLAIMS HANDLER APPARENTLY RESPONDED TO THE ASSURED VIA REGULAR MAIL EVEN THOUGH THEY WERE ADVISED IN THE HOAX EUO THAT THE ASSURED WAS OUT OF AREA VERY OFTEN SEEKING MEDICAL HELP. ON APRIL 3, 2014 THE ASSURED/VICTIM OF THE ABUSE (WHIDDEN) SENT AN EMAIL TO THE ATTORNEYS REQUESTING ELECTRONIC/EMAIL COPY OF CORRESPONDENCE/CIVIL REMEDY RESPONSES. IN 2 MONTHS THERE HAS BEEN NO RESPONSE. WHIDDEN HAS TRIED OVER AND OVER FOR MORE THAN 3 YEARS TO FIND SOMEONE OF INTEGRITY TO DEAL WITH ON THIS CLAIM. FOR 18 MONTHS OR MORE OF THIS PERIOD THE CROOKED ATTORNEYS AT BOYD AND JENERRETTE HAVE ABUSED, DELAYED, AVOIDED, AND IGNORED THE FILINGS AND PLEAS OF THE VICTIM/ASSURED. PRESUMABLY THE ABUSES TO THE ASSURED/VICTIM AT THE HANDS OF THE ATTORNEYS ARE UNDER DIRECTION OF USAA OTHERWISE USAA WOULD APPOINT SOMEONE WITH MORE INTEGRITY TO COME FORWARD AND RESOLVE THIS ISSUE. THIS MAKES USAA COMPLICIT IN THE FRAUDS AND CRIMINAL ACTIVITY OF THE ATTORNEY(S) AND VICE VERSA TO BE TRUE. THE LEGAL/CLAIMS TEAM FOR USAA SEEM ONLY TO ATTEMPT COMMUNICATION WHEN IT IS CONVENIENT FOR THEIR PURPOSES AND AVOID ANY EFFORT TO FACILITATE PROPER HANDLING OF COMMUNICATIONS. CLEARLY THE ATTORNEYS AT BOYD AND JENERRETTE USE EMAIL AND OTHER COMMUNICATIONS (PHONE, TEXT, ETC) WHEN IT IS CONVENIENT FOR THEM, BUT NOT WHEN NEEDED FOR EXPEDITING CLAIM. IN EACH CIVIL REMEDY FILING (THE ONLY WAY TO GET ANY RESPONSE FROM THE CARRIER AND THEIR AGENTS) THE VICTIM/ASSURED HAS INCLUDED PHYSICAL ADDRESS AND ELECTRONIC ADDRESS. THE ELECTRONIC ADDRESS IS TO BE RESPONDED TO AS WELL TO KEEP IT ALL PROPER. IT WOULD SEEM USAA’S ONLY CHOICE IS TO PAY POLICY LIMITS AND QUIT THE GAMES, YET IF THE GAMES CONTINUE CLEARLY THEY WISH TO BE TAKEN TO TASK FOR THEIR CRIMINAL BEHAVIOR. AS MANY OF THESE HOOLIGANS WENT TO LAW SCHOOL THIS SHOULD BE EASY FOR THEM TO SEE, AND SHOULD BE EASIER FOR A JURY TO SEE WHAT IS GOING ON SHOULD WE NEED TO GO THAT ROUTE. IN THE HOAX EUO IT IS NOW CLEAR THAT DOCUMENT TAMPERING AND IGNORING THE FILINGS OF THE ASSURED ARE ROUTINE FOR KRISTIN VAN DER LINDE AND HER EMPLOYERS. NOT ONLY HAVE THEY REPEATEDLY IGNORED, DESTROYED, OR CONCEALED DOCUMENTS, BUT IT WAS CAUGHT ON VIDEO OF KRISTEN VAN DER LINDE’S OWN REQUEST AND CHOOSING. VAN DER LINDE CONTINUES PUTTING HER CLIENT AT RISK. IN FACT HER CLIENTS SHOULD SOON HAVE ABILITY TO TAKE ACTIONS AGAINST VAN DER LINDE AND HER FIRM, OTHERWISE THEY ARE ALL COMPLICIT IN EACH OTHER’S CRIMES. THE WEB CONTINUES TO ENTANGLE THE CRIMINAL APPROACH. VAN DER LINDE SHOULD BE REQUIRED TO ANSWER FOR HER CONCEALMENT, DISPOSAL, AND IGNORING OF MATERIAL DOCUMENTS PROVIDED TO THEM BY THE ASSURED. BAD FAITH IS APPARENT THROUGHOUT THIS CLAIM AND DEALING WITH THE CRIMINAL ELEMENTS OF THE CLAIMS AND LEGAL STAFF. THE ONLY FEASIBLE WAY FOR THESE HOOLIGANS TO AVOID THE BAD FAITH AND CRIMINAL CHARGES IS TO PAY FULL POLICY LIMITS. BANANAS, MILK, PEANUT BUTTER MEANWHILE, THE ASSURED HAD PAID PREMIUM FOR SOME 25-28 YEARS WITHOUT A LOSS. THE ASSURED WAS GUARANTEED THREE FORMS/LAYERS OF COVERAGE, AND THE INSURANCE CARRIER USAA HAS TRIED TO MANIPULATE EACH AREA OF COVERAGE SO THAT ASSURED HAS BEEN MATERIALLY SHORTED ON EACH OF THREE COVERAGES. $10,000 PIP , $5000 MEDICAL PAYMENTS, AND $300,000 FOR UNINSURED MOTORIST, FOR A TOTAL OF $315,000. USAA HAS PURPOSELY AND CONSISTENTLY SHORTED THE ASSURED ON ALL MAJOR AREAS OF COVERAGE INCLUDING BUT NOT LIMITED TO MANIPULATING DATA AND PARTNERING WITH CRIMINAL INITIATIVES TO HARM AND DISTURB THE ASSURED/VICTIM. AT A MINIMUM USAA MUST PAY $315,000 WHICH IS POLICY LIMITS. USAA (AND THEIR AGENT’S) FRAUD AND CRIMINAL ACTIVITY HAS ALL ALONG BEEN AN EFFORT TO AVOID THIS AS IN SIMPLE THEORY IT MIGHT BE THEIR HIGHEST LEVEL OF LIABILITY. SHOULD USAA FAIL TO PAY POLICY LIMITS THEY ARE SUBJECT TO BAD FAITH CLAIMS HANDLING OF TRIPLE THE AMOUNTS PAID/UNPAID. THIS POSES QUITE THE DILEMMA BECAUSE USAA’S CRIMINALLY OPERATING ATTORNEYS AGREED IN MIAMI-DADE COUNTY COURT TO ALLOW THE “AT FAULT” CARRIER TO GET OFF WITHOUT ANY LIABILITY. IN SO DOING, USAA MAY HAVE ASSUMED THE LIABILITY OF $1,000,000 THAT CARRIER SHOULD HAVE PROVIDED, MAKING USAA’S POTENTIAL EXPOSURE $1,315,000. FURTHER SINCE USAA AND THEIR CLAIMS HANDLER/ATTORNEY HAVE CONSISTENTLY ACTED AS A PREDATOR BLEEDING THE ASSURED, BAD FAITH SHOULD BE RELATIVELY EASY TO PROVE SHOULD IT BE REQUIRED THEREBY ESCALATING LIABILITIES WITH TRIPLE DAMAGES TO $5,260,000. FOLLOWING ONWARDS FROM THIS INEQUITABLE DOCTRINE WILL LIKELY REQUIRE USAA TO PAY ATTORNEY FEES OF AN ADDITIONAL 40%. THE COSTS TO USAA WILL CONTINUE TO CLIMB. IF USAA AND THEIR CROOKED LEGAL TEAM KEEP MESSING AROUND THE STAKES COULD CONTINUE TO INCREASE. FOR THREE YEARS USAA’S FILE HAS CLEARLY ESTABLISHED PERMANENT, LONG TERM DAMAGES TO WHIDDEN (THE ASSURED) FROM THE ACCIDENT. THESE DAMAGES ARE BEING AND HAVE BEEN AMPLIFIED BY THE CLAIMS MIS-HANDLING, AND FAILURES FOR THE CLAIMS PERSONNEL TO ACCURATELY COMMUNICATE WITH INTEGRITY TO SOMEONE THEY KNOW IS IMPAIRED BY A COVERED LOSS. USAA REPRESENTATIVES HAVE CONDUCTED FULL DISCOVERY OF MEDICAL RECORDS, FOUND NO PRE-EXISTING ISSUES, AND HAVE A HOST OF REPORTS POINTING THE FAULT OF WHIDDEN’S CONDITION TO BE THE SUBJECT ACCIDENT AND HARASSMENT FROM THE LEGAL/CLAIMS TEAM OF THOSE AT FAULT. AT THE HOAX EUO OF 2/14/2014 USAA’S CROOKED CLAIMS REPRESENTATIVE WAS GIVEN BANKING DETAILS FOR THE ASSURED FOR THEM TO MAKE APPROPRIATE PAYMENT(S) ON ACCOUNT. THEY CLEARLY NEED NO APPROVAL TO SEND THE AMOUNTS LONG OUTSTANDING. THERE IS NO MANDATE FOR NEGOTIATION UNTIL USAA CATCHES UP THE EXPENSES AND PAYMENTS ON ACCOUNT LEFT OUTSTANDING FOR 3 YEARS, 2 YEARS, 1 YEAR, 3 MONTHS, ETC. DOCUMENTS AND SPREADSHEETS LAYING OUT SOME $85,000 IN EXPENDITURE ARE IN THEIR POSSESSION. AN ADDITIONAL PRESENTATION APPROACHING $110,000 IN EXPENDITURE IS BEING PREPARED. MEANWHILE THE ASSURED/VICTIM AWAITS SOMEONE OF INTEGRITY TO STEP FORWARD TO RESOLVE THE OUTSTANDING CLAIM ISSUES. SINCE USAA THEMSELVES AND THEIR AGENT KRISTEN VAN DER LINDE HAVE DEMONSTRATED THAT THEY WILL DESTROY/DISPOSE OF DOCUMENTS THE VICTIM/ASSURED DOES NOT KNOW WHO TO SEND THE DOCUMENTS TO. AT THIS JUNCTURE WE ALL KNOW THAT USAA AND THEIR AGENTS ARE LIKELY TRYING TO RUN OUT THE STATUTE OF LIMITATIONS. WHEN THEY DO THEIR FRAUD IS PERFECTED/COMPLETED. AS EVERYONE SHOULD KNOW FRAUD HAS NO LIMITS OF LIABILITY OR STATUTE OF LIMITATIONS. ALSO, THE AIDING AND ABETTING STATUTES ONLY REQUIRE THAT I DEMONSTRATE SOMEONE COMMITTED A FRAUD. ALL OTHERS ARE/WERE COMPLICIT AND THE PENALTIES, FEES, ETC COULD SKYROCKET. MEANWHILE EIGHT (8) OR MORE CROOKED ATTORNEYS HAVE BEEN INVOLVED IN THIS CASE SINCE THE BEGINNING. CRIMINAL ABUSE IS ABUNDANTLY CLEAR AS THIS IS A REAR-END COLLISION WITHOUT SETTLEMENT ALMOST 4 YEARS AFTER THE EVENT.. USAA AND THEIR AGENTS WILL BE HELD LIABLE FOR MULTIPLES OF THE HIGHEST FIGURES LISTED HEREIN SHOULD WE MOVE TO A CRIMINAL TRIAL. USAA MUST IDENTIFY THE FACT THAT THEIR LEGAL TEAM IS IN OVER THEIR HEADS, AND CAUSING MORE DAMAGES AND LOSSES WITH THEIR SLOPPY AND INCOMPETENT TACTICS. IF YOU WISH TO PROCEED WITH THE CRIMINAL CASE, THEN CONTINUE ON YOUR PRESENT COURSE. AT THIS JUNCTURE IT IS CLEAR FROM THE FILE AND TO ALL INVOLVED THERE IS A PERMANENT CONDITION STEMMING FROM THE ACCIDENT. I WOULD LIKE TO RECEIVE FULL FUNDING AND ASSISTANCE IN MY PURSUIT FOR PROPER TREATMENT. I ASK AGAIN TO HAVE THE CRIMINALS WHO HAVE THUS FAR BEEN INVOLVED TO BE REMOVED, HOWEVER ADVISE THE NEW HANDLERS IF THEY CONTINUE IN THE VEIN OF THEIR PREDECESSORS THEY ARE AIDING AND ABETTING AS WELL. ANY OFFER LESS THAN MAXIMUM POLICY PAYOUT IS CLEARLY TO BE SEEN AS AN EFFORT TO FURTHER A SCHEME TO DEFRAUD, AND IS FOUND OFFENSIVE AND CONSIDERED HARASSMENT. USAA HAS FULL BANKING DETAILS TO MAKE A FULL PAYOUT/WIRE TRANSFER TO THE DELEGATED BANK OF THE ASSURED. IF USAA MAKES A FULL PAYOUT UNDER POLICY TERMS THEN THEY SHOULD NOT NEED APPROVAL OF THE ASSURED TO AFFECT THAT PAYMENT AS SOON AS POSSIBLE. MULTIPLE PAYMENTS ON ACCOUNT HAVE BEEN REQUESTED, ACCEPTED, BUT HAVE FAILED TO BE FUNDED. USAA MUST BEGIN FUNDING TO CATCH UP TO A PLACE OF GOOD FAITH. NO NEGOTIATION IS REQUIRED OF THE ASSURED UNTIL USAA CATCHES UP. THE BEST WAY TO CATCH UP IS FULL POLICY PAYOUT. USAA AND THEIR AGENT WERE CLEARLY ADVISED OF THIS IN THE HOAX EUO OF 2/14/2014. ANYTHING OTHER THAN PAYOUT SINCE DECEMBER 2010 IS SEEN AS UNLAWFUL DELAY AND CRIMINAL MISCHIEF AT A MINIMUM. FOR THE BENEFIT OF THE IDIOTS HANDLING THE CLAIM BEHALF OF USAA, IT IS CLEARLY EASIER FOR YOU TO JUSTIFY FULL PAYOUT BASED ON LOSS OF WAGES DUE TO THE DEBILITATING CONDITION OF THE VICTIM. THAT WOULD MAKE YOUR JOB EASIER, HOWEVER THAT WOULD PLACE TAXATION OF INCOME ON THE VICTIM/ASSURED WHO YOU ARE JERKING AROUND. THE KEY IN A SITUATION SUCH AS THIS IS TO PAY OUT THE MAXIMUM POSSIBLE UNDER THE POLICY BEFORE ANY DISCUSSION OF INCOME LOSS. THE PAYOUT IS THE SAME TO THE INSURANCE CARRIER, BUT MAKES A HUGE DIFFERENCE TO THE VICTIM YOU ARE ABUSING. USAA WOULD BE WISE TO HANDLE THEIR BUSINESS IN A MUCH MORE USER FRIENDLY MANNER AND FIND AGENTS OF MORE INTEGRITY AND UNDERSTANDING. UNFORTUNATELY, USAA AND THEIR AGENTS HAVE ERRED IN LARGE PART BY TRYING TO FRUSTRATE SOMEONE WHO THEIR FILE CLEARLY DEMONSTRATES IS BRAIN INJURED AS A RESULT OF THE SUBJECT ACCIDENT OF 8/29/2010. BEFORE A JURY USAA AND THEIR COUNSEL WILL LOOK PRETTY BAD. THE RESOLUTION OF THIS IS PLAIN TO SEE. USAA HAS ONLY ONE OPTION. MOVING FORWARD I WILL BE SEEKING INTEREST, PENALTIES AND INEQUITABLE DOCTRINE LEGAL FEES FOR ASSISTANCE IN ANY/ALL OF THE STATED FIGURES ABOVE. USAA’S OPPORTUNITY MOVING FORWARD WILL ONLY INCREASE THEIR COSTS, LIABILITIES, LEGAL FEES, AND PENALTIES. ONLY AN IDIOT WOULD MAKE COMMENTARY REGARDING A VICTIM’S PERMANENCY AND CAUSE OF DAMAGES WITH NO MORE PROPER INVESTIGATION THAN USAA HAS DONE. USAA’S REPRESENTATIVES WERE ADVISED IN FEBRUARY THEY WERE BADLY OUT OF SEQUENCE. NOW THEIR IDIOT ATTORNEY IS PLAYING DOCTOR TRYING TO MAKE PHYSICAL DETERMINATIONS OF THE ASSURED/VICTIM THEY ARE ABUSING. A DOCTOR’S REPORT IS BEING PREPARED TO ADDRESS PERMANENCY AND CAUSE OF VICTIM/ASSURED’S DAMAGES, HOWEVER WHIDDEN (THE ASSURED) DOES NOT KNOW WHO IS AVAILABLE TO PROPERLY ACKNOWLEDGE, ADDRESS, AND ADJUST HIS CONCERNS. USAA AND THEIR AGENTS HAVE CLEARLY GONE TO ABNORMAL MEANS TO AVOID THEIR RESPONSIBILITY FOR 3 YEARS, RESTRICTED FINANCIAL ASSISTANCE TO THE ASSURED, AND STRAINED THE ABILITY FOR DIAGNOSTICS AND RESOLUTION. USAA THEMSELVES MUST COMMUNICATE WITH THE ASSURED TO ADVISE WHO IS TO ADDRESS THIS CLAIM SINCE THEIR AGENTS HAVE DEMONSTRATED INAPPROPRIATE (BAD FAITH) ACTIONS. PAY THE CLAIM SO I CAN GET A SHOWER AND A PUPPY.

Comments

User Id   Date Added   Comment kvanderlinde@boyd-jenerette.com 08-05-2014 A letter was sent to the Complainant on 08/5/2014 in response to the Civil Remedy Notice.