Filing Number:     259563

Filing Accepted:  6/22/2014

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 (25+ YEARS) Claim #* 0317 06 13U (25+ YEARS)

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):* SARA SEPULVEDA, (ATTORNEYS KRISTEN VAN DER LINDE, CRISTINA PEREZ-TANNER, KATHRYN M OUGHTON), DEBORAH CAKOUROS, BRYAN KRUGER, LISA DAVIS, LISA FARLOW, MICHELLE LUKIN Type of Insurance * Auto

Reason for Notice * Other : Complicity (Criminal COmplicity) Other : Aiding and Abetting Other : Fraud and other criminal concealment, as well as destruction/disposal of documents Other : Intentional Infliction of Emotional Distress Other : Negligent Infliction of Emotional Distress Claim Delay Unsatisfactory Settlement Offer Other : Conspiracy to Defraud Other : A commercial scheme to defraud including but not limited to patterns of fraud Other : Insurance Fraud in partnering with a provider to liquidate assured's benefit package Other : Abuse of Process Other : Deliberate acts to deceive and delay the assured, Insurance Commissioner, and third parties Other : Criminal Mischief Other : Intentional dishonest and deceitful and delayed responses & handling to previous Civil Remedy filing Other : Deliberate acts to delay and deceive proceedings and processes Other : Inequitable Doctrine use of legal counsel to abuse the assured * 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. * Specific policy language that is relevant to the violation. Enter all words or phrases (one at a time) that should be used to filter. IN REFERENCE TO EVENTS STEMMING FROM A REAR-END COLLISION ACCIDENT ON 8/29/2010 IN WHICH INSURANCE CARRIER USAA AGREED WITH THIRD PARTY CARRIER THAT THIS WAS TO BE AN UNINSURED MOTORIST SITUATION. USAA’S ATTORNEY ON DEC 18, 2013 AGREED IN MIAMI-DADE COURT TO ALLEVIATE CASTLEPOINT FLORIDA OF THEIR THIRD PARTY RESPONSIBILITY TO COVER A REAR-END COLLISION FOR WHICH THEIR ASSURED FRANK DELGADO CAUSED. USAA HAD THE PIP, MEDICAL PAYMENTS AND UNINSURED MOTORIST COVERAGE FOR THE VICTIM (THEIR ASSURED THEODORE L WHIDDEN). EVENTS OF 8/29/2010 AND EVENTS THEREAFTER HAVE INCLUDED SUBSTANTIAL DISREGARD FOR NEEDS OF THE ASSURED INCLUDING BUT NOT LIMITED TO THOSE OUTLINED IN THIS CIVIL REMEDY AND OTHERS RELATED TO THIS EVENT. THE INSURANCE CARRIER(S) AND THEIR AGENTS HAVE SUBSTANTIALLY MISREPRESENTED ISSUES TO THE COMMISSIONER OF INSURANCE AND OTHERS REGARDING THIS LOSS, AND APPEAR TO BE STANDING BEHIND AN ATTEMPTED WEB OF DECEPTION TO AVOID THEIR OBLIGATIONS. COMPLICITY: THUS FAR VIRTUALLY EVERY PERSON WHO HAS TOUCHED THIS FILE ON BEHALF OF UNDERWRITERS (USAA) HAVE COMMITTED A CRIMINAL FELONY ON THEIR OWN TO FURTHER THE CONSPIRACY TO DEFRAUD AND DECEPTIONS TO MISLEAD THE ASSURED AND THIRD PARTIES INCLUDING, BUT NOT LIMITED TO THE COMMISSIONER OF INSURANCE OFFICE. EACH DECEPTION HAS BEEN IN EFFORT TO FURTHER A COMMERCIAL SCHEME TO DEFRAUD THE ASSURED, AND APPEARS A CLEAR PATTERN AND CORPORATE CULTURE OF DECEPTION. EACH AND EVERY PERSON ENGAGING THE FILE (PAST, PRESENT, AND POTENTIALLY FUTURE) APPEAR TO BE FURTHERING THE CRIMINAL EFFORT AND THUS ARE AIDING AND ABETTING THE CRIMINAL HANDLING EITHER BY THEIR ACTIONS OR INACTIONS. SARA SEPULVEDA AS THE NAMED USAA REPRESENTATIVE IS GUILTY OF AIDING AND ABETTING ALL PREVIOUSLY LISTED UNLAWFUL ACTS OF DELAY, DECEPTION, AND DISHONESTY. CLEARLY THE USAA NAMED CLAIMS REPRESENTATIVE IS IN POSITION TO SEE THIS, AND BY WAY OF SILENCE AND/OR INACTIVITY IS COMPLICIT IN THE FRAUDS AND DECEPTIONS TO DATE AND THOSE OF THE APPOINTED COUNSEL BY WAY OF MAKING NO ACTION TO RESOLVE. FURTHER TO THIS, FLORIDA INSURANCE ETHICS LAWS REQUIRE ALL LICENSED INSURANCE PERSONNEL TO REPORT UNLAWFUL ACTIVITY LEST THEY BECOME PART OF IT. SARA SEPULVEDA AND ALL LICENSED INSURANCE PERSONNEL (INCLUDING LEGAL COUNSEL) ARE IN VIOLATION OF NUMEROUS ETHICS LAWS IF FOR NO OTHER REASON THAN FAILURE TO REPORT THEIR OWN UNLAWFUL ACTIVITY AND THAT ACTIVITY TO WHICH THEY ARE AWARE. FAILURE TO REPORT TO AUTHORITIES MAKES ALL PREVIOUSLY LISTED PERSONS IN CIVIL REMEDY FILINGS COMPLICIT IN THE SCHEME TO DEFRAUD AND THE CONSPIRACY THEREOF. THE CLAIMS PERSONNEL INCLUDING BUT NOT LIMITED TO DEBORAH CAKOUROS, MICHELLE LUKIN, BRIAN KRUGER, LISA DAVIS, LISA FARLOW, SARA SEPULVEDA AND OTHERS LISTED IN THE CIVIL REMEDY FILINGS LEADING TO THIS ONE, HAVE ALL COMMITTED INDIVIDUAL FRAUDS, YET ARE ALL PARTY (COMPLICIT) TO THE AIDING AND ABETTING THE FRAUDS OF THEIR ASSOCIATES. THE EIGHT ATTORNEYS (INCLUDING BUT NOT LIMITED TO KRISTEN VAN DER LINDE, KATHRYN OUGHTON, CRISTINA PEREZ-TANNER) AND THEIR FIRMS INVOLVED TO THIS POINT ARE SIMILARLY INVOLVED IN A LARGE SCHEME TO DEFRAUD, AS ARE THOSE LISTED IN CIVIL REMEDY FILINGS CONCERNING THE ACCIDENT OF 8/29/2010. THE ATTORNEY REPRESENTING CASTLEPOINT FLORIDA IN MIAMI HAD SOME 17-18 OUTLINED FRAUDS IN THE DECLARATION ACTION FILING ALONE. THE AGREEMENT TO RELIEVE THEM OF THEIR OBLIGATIONS BY KATHRYN OUGHTON MADE HER AND HER CLIENTS COMPLICIT IN A HOST OF FELONY FRAUDS THAT COULD MUSHROOM LOSSES OUT OF CONTROL. KATHRYN M. OUGHTON’S COLLUSION WITH SAID COUNSEL AS AN ASSOCIATE OF BOYD AND JENERRETTE, PRESUMABLY UNDER DIRECTION OF USAA AND KRISTEN VAN DER LINDE ASSISTED IN FURTHERING THE FELONIES OF CASTLEPOINT FLORIDA AND THEIR COUNSEL. SHOULD USAA AND THEIR COUNSEL CHOOSE TO USE THAT RULING TO WHICH THEY WERE FOUND IN COLLUSION THEN THEY PARTY MATERIALLY IN THE 300+ ACTS OF FRAUD TO AVOID PAYMENTS OF $750,000 TO $1,000,000 PER POLICY FROM THAT SIDE OF THE EQUATION. CLEARLY IF USAA’S REPRESENTATIVES STAND UPON AN IMPROPER RULING TO WHICH THEY WERE PARTY TO SHOWS THEM TO BE A RECIPIENT OF BENEFIT FROM THE FELONIOUS ACTIVITY OF OTHERS. IN ESSENCE THEY BECOME COMPLICIT WITH THE THIRD PARTY FRAUDS AS WELL OF THOSE OF THEIR OWN, SOME OF WHICH ARE LISTED HEREIN. THE PROBLEM AS IT EVOLVES IS FRAUD IS BEING USED AS A TOOL FOR THE ROUTINE OPERATION OF DAILY BUSINESS. USAA, VAN DER LINDE, PEREZ-TANNER, AND OUGHTON ALL APPEAR TO“AID AND ABET” THE FRAUDS OF CASTLEPOINT FLORIDA AND THEIR COUNSEL SHOULD THEY MAKE ATTEMPT TO AVOID OBLIGATIONS UNDER “UNINSURED MOTORIST” COVERAGE USING CASTLEPOINT FLORIDA’S WEB OF DECEPTION TO THEIR BENEFIT. YET, AS THEY ARE NOW BEING MADE AWARE, IF THEY WERE NOT AWARE BEFORE, THEIR USE OF FRAUD AND SUCH TACTICS MAKES THEM RESPONSIBLE FOR THEIR OWN MISDEEDS, AND EVERYONE ON THEIR TEAM WHO DERIVES BENEFIT TO BE AIDING AND ABETTING AT A MINIMUM…CLEARLY SHOULD AN ATTEMPT TO HIDE BEHIND OR GO AROUND THAT RULING TO WHICH OUGHTON PARTIED IS SEEN AS BEING COMPLICIT WITH THE FRAUDS OF THEIR UNIFIED OPPONENT (COLLUSION). FURTHER TO THIS, THE UNSUBSTANTIATED CLAIMS IN THE LISA DAVIS/MICHELLE LUKIN FRAUD ATTEMPT FURTHER IMPLICATES THOSE INVOLVED IN CRIMINAL COLLUSION/DECEPTION. THE “PARTNERING” OF USAA WITH THE CROOKED COUNSEL AND APPROACHES OF CASTLEPOINT FLORIDA MAY BE INESCAPABLE. FORTUNATELY, USAA HAS A BETTER REPUTATION AND MORE AT STAKE THAN THE CRIMINAL OUTFIT THEY HAVE PARTNERED WITH TO ABUSE THE VICTIM/ASSURED. IT IS A TANGLED CRIMINAL WEB INDEED, BUT IT ALL IS CRIMINAL ONE SIDE AGAINST THE OTHER, AND ALWAYS CRIMINAL IN THE FAVOR OF THE INSURANCE COMPANY, BRINGING OUT A CLEAR CUT PATTERN OF FRAUD AND CONSPIRACY THEREOF. ALL THOSE INVOLVED, MENTIONED, LISTED, AND/OR REFERRED TO ARE LICENSED, EDUCATED, AND TRAINED THRU PROFESSIONAL ARMS OF THE FLORIDA SYSTEM, AND THUS ARE EDUCATED AND EQUIPPED IN THE RIGHTS AND WRONGS OF CLAIMS HANDLING. THEY ARE THEREFORE EACH INDIVIDUALLY, SEPARATELY, PERSONALLY AND CORPORATELY HELD RESPONSIBLE FOR THEIR BEHAVIOR, ACTIONS AND INACTIONS IN HANDLING OF THIS CASE. EACH AND EVERY ONE HAS COMMITTED MAJOR ETHICS AND LEGAL VIOLATIONS, AND EACH AND EVERY ONE IS PERSONALLY RESPONSIBLE. UNDER PROFESSIONAL LICENSING LAWS THEIR CRIMINAL FELONY INVOLVEMENT PENETRATES ALL VEILS OF PROTECTION TO THEIR PERSONAL WEALTH AND RESOURCES. UNDER THE CRIMINAL LAWS CONCERNING AIDING AND ABETTING EACH IS SIMILARLY RESPONSIBLE FOR EACH SEPARATE CRIME OF THEIR ASSOCIATES AS WELL. THE NUMBERS BECOME STAGGERING WHEN THOSE INVOLVED REALIZE THAT THEY HAVE AIDED AND ABETTED ALL EFFORTS BEFORE AND AFTER THEIR INVOLVEMENT. THE TRADITIONAL INSURANCE APPROACH IS TO USE DELAY TO THEIR BENEFIT. WHAT WE HAVE UNFOLDED BEFORE US IS A RESPONSE STRATEGY THAT MULTIPLIES POLICY LIMITS AND EXTENDS STATUTES OF LIMITATIONS BY WAY OF DOCUMENTATION OF THE FELONY ACTIVITIES AND APPROACHES. IT ALSO PENETRATES PERCEIVED VEILS OF PROTECTION OF THOSE WHO ROUTINELY COMMIT SUCH FELONIOUS ACTIVITY. WHAT A BEAUTIFUL RESPONSE STRATEGY FOR VICTIMS OF INSURANCE COMPANY ABUSE! THE LEGAL PRECEDENT THAT COULD BE SET HERE COULD BE EXTREMELY POWERFUL. THOSE OF YOU IN CHARGE OF “RISK MANAGEMENT” HAVE CLEARLY MISSED THE FOREST FOR THE TREES IT SEEMS. WHILE THE ASSURED ATTENDED TO ISSUES STEMMING FROM THE LOSS, YOU CREATED A HOST OF FELONIOUS APPROACHES ENTANGLING EACH OTHER IN A CRIMINAL MESS. ALL THE WHILE THE ASSURED REMAINED FREE OF COUNSEL REQUESTING ASSISTANCE FROM SOMEONE OF INTEGRITY. YOU APPEAR TO BE IDIOTS EVEN TO A BRAIN DAMAGED INDIVIDUAL. THE CLAIMS PERSONNEL IN THIS INSTANCE ARE BEING AND HAVE BEEN SEVERELY MISLEAD BY EITHER THEIR OWN INCOMPETENCE, IGNORANCE OR CRIMINAL INTENTS. THE DECEPTIONS ARE CONSISTENTLY IN FAVOR OF THE CORPORATE ENTITY TO WHICH THEY ATTEMPT TO PROTECT, YET ALL ARE DEEPLY ENTWINED IN CRIMINAL FELONY ACTIVITY OF OTHERS (AS WELL AS THEIR OWN) AND IF ANY OF THEM ARE SINCERE THEY CAN CLEARLY RECOGNIZE THEIR COLLEAGUES’ EFFORTS TO DECEIVE. UNDERSTAND ALWAYS THAT AIDING AND ABETTING A FELONY MAKES THAT PERSON WHO ALLOWS OR AIDS AND ABETS GUILTY AS IF THEY COMMITTED THE CRIME THEMSELVES IRRESPECTIVE OF WHETHER THE PERSON COMMITTING THE FRAUD IS EVER CONVICTED. YOU PEOPLE HAVE CREATED AND MAINTAINED A PATH OF DECEPTION INCLUDING, BUT NOT LIMITED TO CONCEALMENT OF DOCUMENTS. IN THE EUO PROOFS WERE PRESENTED THAT DOCUMENTS HAD BEEN IGNORED OR CONCEALED. THERE ARE OBVIOUS PROOFS AND INDICATIONS WITHIN THE EUO RECORDING, YET THE ATTORNEY CONDUCTING THE EUO (HOAX EUO OF 2/14/2014) DEMONSTRATED DOCUMENT MISHANDLING WITHIN THE EUO AND ALLOWED THE INJURED PARTY TO DEMONSTRATE DOCUMENT TAMPERING AND UNLAWFUL DELAY. THE HOAX EUO OF 2/14/2014 MOST ASSUREDLY BACKFIRED ON THE REPRESENTATIVE LEAVING THEM SPINNING AROUND THE ROOM LIKE A SPRAYED COCKROACH BEFORE RUNNING OUT. CLEARLY SHE NEEDED TO END THE PURSUIT BECAUSE CRIMINAL ISSUES WERE CLOSING IN ON HER. ALL INFORMATION CONVEYED IN THE HOAX EUO OF 2/14/2014 WAS READILY AVAILABLE MONTHS/YEARS PRIOR TO THE UNDERWRITER AND THEIR AGENTS. THERE WAS NO NEW OR RELEVANT INFORMATION CONVEYED WITHIN THE HOAX EUO OF 2/14/2014, MERELY A REHASH OF VERY OLD INFORMATION TO A POORLY PREPARED LEGAL COUNSEL WHO ONLY SHOWED FOR THE PURPOSE OF HARASSMENT IT WOULD SEEM. ANY OFFER BASED ON “NEW INFORMATION” IS IN REALITY AN ACKNOWLEDGEMENT OF UNLAWFUL DELAY. IT IS NOT AS IF THERE NEEDED ANY MORE INFORMATION FOR UNLAWFUL DELAY, BECAUSE IT IS ABUNDANTLY CLEAR AS NO PAYMENTS HAVE BEEN MADE IN OVER 3 YEARS. PRESENTLY USAA OWES PAYMENTS THAT ARE AS MUCH AS 3 YEARS IN ARREARS. CLEARLY WE HAVE UNLAWFUL DELAY WITH A SCHEME TO DEFRAUD TO FURTHER THIS EFFORT. THIS IS AT A MINIMUM BAD FAITH IF YOU PEOPLE JUST ESTABLISH IGNORANCE AND INCOMPETENCE. IT IS CRIMINAL IF YOU FAIL TO ACCEPT IT AS AN OVERSIGHT BASED ON INCOMPETENT STAFFING. ODDLY, INCOMPETENCE AND ABUSE OF AN ASSURED BY LICENSED PERSONS IS UNLAWFUL FOR YOUR CORPORATE BODY TO ALLOW. YOU PEOPLE REALLY NEED TO APPEAL TO SOMEONE OF INTEGRITY AND/OR RESOLVE THIS PER DEMAND IN THE CIVIL REMEDY FILINGS. AT THIS JUNCTURE SHOULD YOU RUN OUT THE STATUTE OF LIMITATIONS PER DIRECTION OF YOUR CRIMINAL COUNSEL THEN YOU ARE ALL GUILTY OF A CRIMINAL SCHEME TO DEFRAUD WITH MULTIPLE FACETS PENETRATING ALL CORPORATE VEILS. THE PROBLEM IS THAT LISA FARLOW IS AS GUILTY FOR SETTING THIS IN MOTION AS SARA SEPULVEDA IS BY SITTING ON THE FENCE WATCHING. MEANWHILE, DEBORAH CAKOUROS BEING MORE CENTRAL TO THIS AND HAVING MANAGERIAL OVERSIGHT LIKELY HAS THE GREATEST RESPONSIBILITY SECOND ONLY TO THE CORRUPTED LEGAL COUNSEL SHE HAS CHOSEN TO GUIDE AND BE GUIDED. THE ONLY WAY I SEE TO EASE THE PAIN FOR ALL IS A $315,000 WIRE TRANSFER TO THE ASSURED’S PERSONAL ACCOUNT BEFORE THE STATUTE OF LIMITATIONS OCCURS. CLEARLY A POLICY PAYOUT IS WHAT YOUR TEAM IS TRYING TO DELAY OR AVOID. CLEARLY IT IS AN INSURANCE/LEGAL STRATEGY TO WAIT TO A LATE HOUR AND GAIN SOME “EPIPHANY” THAT NEW INFORMATION CHANGES THE PERSPECTIVE AND THUS THE MAJORITY OF THE RUSE IS TO AVOID INTEREST PAYMENTS ON THE LATE (UNLAWFUL DELAY) PAYMENTS. CAN YOU SEE HOW DELAY DOES NOT WORK IN YOUR FAVOR, BUT RATHER PUTS YOU PRECARIOUSLY CLOSE TO CRIMINAL FELONY ACTIVITY? SHOULD YOU FAIL TO AFFECT PAYMENT VERY SOON THEN YOUR CRIMINAL EFFORTS ARE “PERFECTED” AND THE CRIME MAY BE IRREVERSIBLE. THE CRIMINAL PURSUIT ALLOWS MULTIPLES OF POLICY LIMITS AND PENETRATION OF VEILS, WITH EXTENSION OF STATUTES. CLEARLY PAYMENTS ON ACCOUNT ARE 3+ YEARS LATE BASED ON YOUR OWN PIP LOG. NOTE CLEARLY THE STAND-UP MRI FRAUDS IN OCTOBER 2010 WHICH WERE BROUGHT TO YOUR ATTENTION IN MULTIPLE CIVIL REMEDY FILINGS (YET DENIED BY YOUR ATTORNEY--- CRIMINAL) HAVE BEEN RECONCILED IN JANUARY 2013 ACCORDING TO YOUR OWN INTERNAL ACCOUNTING SYSTEM. YOUR ACCOUNTING SYSTEM AND EXPLANATION OF BENEFITS DEMONSTRATES THAT THE FRAUD (INSURANCE FRAUD) WHERE LISA FARLOW AND OTHERS PRESUMABLY PARTNERED WITH STAND-UP MRI TO CHURN/EXHAUST MY ACCOUNT/POLICY “WORKED” TO FRUSTRATE (DEFRAUD) THE ASSURED OF SERVICES. USAA’S SUBSEQUENT DENIAL OF BENEFITS (NOTICES OF EXHAUSTED BENEFITS) BASED ON THEIR OWN FRAUD WERE ALL UNLAWFUL WRITTEN NOTICES BY A COMMERCIAL ENTITY WITH THE INTENT TO DEFRAUD (COMMERCIAL SCHEME TO DEFRAUD). USAA AND THEIR CROOKED COUNSEL DENIED THIS(FRAUD), YET IN JANUARY 2013 RECONCILED THEIR INTERNAL ACCOUNTING TO DIVORCE THEMSELVES FROM STAND-UP MRI’S “INSURANCE FRAUD” SOME 2+ YEARS AFTER USAA WAS NOTIFIED OF THE DECEPTION. THE “INSURANCE FRAUD” OF STAND-UP MRI WAS PARTNERED IN BY USAA TO AFFECT THE ASSURED, AND THE ASSURED HAS BEEN DEFRAUDED OF BENEFITS FOR 3+ YEARS NOW AS A RESULT. THE “FRAUD” OF USAA IN PARTNERING WITH STANDUP MRI IN THEIR INSURANCE FRAUD CONTINUES TO AFFECT THE ASSURED SOME 3 ½ YEARS AFTER THE CRIME WAS USED TO SAVE USAA FUNDS AND TO FRUSTRATE A BRAIN INJURED PARTY……….. FURTHER TO THIS, THE LYING CORRUPT COUNSEL APPOINTED BY USAA HAVE DENIED THIS TO BE TRUE, YET YOUR PIP LOG/ACCOUNTING UNDERMINES THE LIES (FRAUD) OF KRISTEN VAN DER LINDE/KATHRYN OUGHTON. USAA’S CLAIMS PERSONNEL (BRYAN KRUGER, DEBORAH CAKOUROS, AND SARA SEPULVEDA AT A MINIMUM) PLUS LEGAL COUNSEL (KRISTEN VAN DER LINDA, KATHRYN OUGHTON, AND CRISTINE PEREZ-TANNER AT A MINIMUM) HAVE CONSISTENTLY FAILED TO ACCEPT, ACKNOWLEDGE, AND ADJUST DOCUMENTS FROM THE ASSURED EFFECTIVELY BEING CONCEALMENT OF DOCUMENTS WHICH IS A FELONY FRAUD. SOME OF THESE DOCUMENTS WERE PRESENTED FOR AT LEAST A THIRD TIME AT THE HOAX EUO OF 2/14/2014 DEMONSTRATING USAA AND THEIR AGENTS HAD SUFFICIENT DOCUMENTS IN HAND TO RULE IN FAVOR OF THE ASSURED AND TO PROVIDE MATERIAL PAYMENTS NECESSARY FOR PROPER DIAGNOSIS, TREATMENT, AND THERAPY. OF COURSE THE OFFER OF NOVEMBER 2012 AND USAA’S INTERNAL ACCOUNTING DEMONSTRATES FUNDS WERE DELAYED AND/OR MISDIRECTED ALL ALONG. WHEREAS THE COUNSEL APPEARS CRIMINALLY STUPID, THEY SEEM TO BE FOLLOWING THE LEAD OF THEIR CLIENT. FOLLOWING THE HOAX EUO OF 2/14/2014 THE ASSURED TRAVELED FOR EXTENSIVE MEDICAL EXAMINATION UNDER DURESS AT HIS OWN EXPENSE. THE ATTORNEYS FOR USAA HAVE MADE THEIR OWN DETERMINATIONS APPARENTLY OF CAUSE, EXTENT, AND PERMANENCY OF DAMAGES, YET THEY ARE CONFLICTED IN THEIR APPROACH. THEY HAVE FAILED TO FOLLOW PROPER LEGAL AND MEDICAL PROTOCOL, AND THEIR UNPROFESSIONAL MEDICAL/LEGAL OPINION IS NO WHERE SUPPORTED IN THE DOCUMENTS IN THEIR POSSESSION. THE CONSISTENT MISSTATEMENT OF MATERIAL FACT AND CONCEALMENT OF DOCUMENTS CONSTITUTES FELONY FRAUD. PIG WRESTLING, UMBRELLAS BAD ON 6/19/2014 WHILE TRAVELING SEEKING A MEANS TO ADDRESS ACCIDENT CONDITIONS THE ASSURED FORWARDED THE ATTORNEY KRISTEN VAN DER LINDE A SPREADSHEET AND FULL SUPPORTS FOR EXPENDITURE IN EXCESS OF $107,000. IN THE COVER NOTE OF THAT PRESENTATION THE ASSURED PLEADS WITH THE ATTORNEY TO ACKNOWLEDGE DOCUMENTS AND NOT TO DAMAGE, DESTROY, OR DISPOSE OF DOCUMENTS AS THEY HAVE BEEN DEMONSTRATED MULTIPLE TIMES TO DO. SARA SEPULVEDA AND HER CLIENT COMPANY ARE FULLY RESPONSIBLE FOR THE DOCUMENTS CONVEYED AND THE FILINGS WITHIN THE CIVIL REMEDY SYSTEM. ANY IDIOT CAN TELL THAT THE LEGAL COUNSEL CHOSEN BY USAA IS MISGUIDED AND CORRUPTED. IF THEY SHOULD REMAIN INVOLVED THEN USAA WOULD CLEARLY BE ENDORSING ALL LEVELS OF CORRUPTION EXEMPLIFIED AND HIDDEN BY THE UNLAWFUL COUNSEL. THIS IS CLEARLY A LONG STANDING BAD FAITH APPROACH AT A MINIMUM. SARA SEPULVEDA AND BRYAN KRUGER HAVE REQUESTED MULTIPLES OF FILE COPIES FROM PROVIDERS. PROVIDERS HAVE COMPLIED WITH THEIR REQUESTS FOR FILE DOCUMENTATION AS FAR BACK AS 2008. USAA AND THEIR AGENTS APPEAR TO HAVE DISPOSED OF DOCUMENTS OR FAILED TO ACKNOWLEDGE THOSE SENT/RECEIVED. USAA AND THEIR AGENTS HAVE FAILED TO ADDRESS EXPENSES PER THEIR ORIGINAL APPROACH WITH EXPLANATIONS OF BENEFITS FOR SOME 2100 LINE ITEMS OF EXPENSES ON SPREADSHEETS SHARED AS MUCH AS 2 YEARS AGO. THE USAA APPROACH TO DISCOVERY PRODUCED NO INDICATION OF PRE-EXISTING CONDITIONS OR ANYTHING THAT WOULD PRECLUDE NORMAL HANDLING OF THIS LOSS. THE ASSURED HAD BEEN “INSURED” WITH USAA FOR SOME 25-28 YEARS WITH USAA PRIOR TO THE ACCIDENT OF 8/29/2010. THIS WOULD TEND TO MUDDLE THE CONCEPT OF SOME OF THEIR APPROACHES AS THEY HAD A WORKING RELATIONSHIP FOR A GENERATION. THAT RELATIONSHIP ONLY SEEMS TO HAVE WORKED AS LONG AS THEY WERE AT THE RECEIVING END. IT IS A SHAME THAT A COMPANY WHO MAKES COMMERCIALS REFERRING TO “NO ONE BEING LEFT BEHIND” WOULD BEHAVE SO HAPHAZARDLY AND CALLOUSLY. THE FILES WITHIN THE POSSESSION OF UNDERWRITERS AND THEIR AGENTS CLEARLY OUTLINES THE 8/29/2010 AS THE CAUSE OF LOSS. EXTENT IS SIGNIFICANT AND PERMANENT PER THE RECORDS WITHIN THE POSSESSION OF THE UNDERWRITER AND THEIR AGENTS. ANY ATTEMPT TO REFUTE THIS LOSS BASED ON CAUSE, EXTENT, AND PERMANENCY (THE MARCH 2014 APPROACH BY THE COUNSEL) NEED BE OUTLINED WITH SPECIFICITY. MATERIAL TAMPERING OF FILE AND DOCUMENTS HAS BECOME APPARENT, AND ANY FURTHER REQUESTS WILL BE VIEWED WITH SUSPICION DUE TO CONSISTENT MATERIAL MISHANDLING, MISREPRESENTATION, CONCEALMENT, AS WELL AS NUMEROUS FAILURES TO PROPERLY INVESTIGATE, DOCUMENT, AND REPORT ASPECTS OF THIS LOSS AND RELATED EVENTS. THE ASSURED HAS CONTINUOUSLY ASKED FOR SOMEONE OF INTEGRITY (GOOD FAITH) BUT HAS NOT BEEN PRESENTED WITH A PERSON OF HONOR OR INTEGRITY DESPITE REQUESTS. NOTE: THE BALANCE DISORDER CLINIC RECORDS POINT TO DIS-EQUILIBRIUM PERMANENCY AND CAUSE WITH A 40% LEFT DEGRADATION OF BALANCE OSCILLATING TO A 30% RIGHT DEGRADATION. TESTING FOR BRAIN TRAUMA IN MARCH/MAY 2012 GIVES AND OVERALL NCI (NEUROCOGNITIVE INDEX) OF 6 ON A SCALE OF 0-100, WITH 3-4 AREAS OF BRAIN FUNCTION INCLUDING EXECUTIVE FUNCTION AT THE BOTTOM OF THE SCALE. HYPERBARIC OXYGEN THERAPY HAS BEEN AND IS BEING USED TO OVERCOME OXYGEN DEPRIVATION ISSUES. CLEARLY RESULTS HAVE BEEN AND ARE BEING OBTAINED USING HYPERBARIC OXYGEN THERAPY. WITHOUT PERMANENT ADDRESSING/THERAPY IN THIS AREA A DEBILITATING CONDITION AND LONG TERM THERAPY IS LIKELY. SUBSTANTIAL OTHER RECORDS ARE IN THE COMMAND AND CONTROL OF USAA AND THEIR AGENTS IF THEY WOULD STOP THE MATERIAL MISHANDLING OF DOCUMENTS THEY HAVE DEMONSTRATED TO DATE. THE ASSURED HAS STRUGGLED WITHOUT FINANCIAL OR OTHER ASSISTANCE FOR 4 YEARS, AND HAS BEEN RELATIVELY PATIENT AND CONSISTENT IN BRINGING THE IRREGULAR AND SEEMINGLY UNLAWFUL BEHAVIOR OF UNDERWRITERS TO THEIR ATTENTION. THE FILE OF THE UNDERWRITER IS RIDDLED WITH MATERIAL MISREPRESENTATIONS MEANT TO TAKE ADVANTAGE OF A PERSON THE SAME FILE DEMONSTRATED IS/WAS SEVERELY IMPAIRED. THE HOAX EUO OF 2/14/2014 (AS WELL AS THE 2013 HOAX EUO) IS EXAMPLE OF A CLEARLY IMPAIRED INDIVIDUAL. IT IS WITH DEEP REGRET THAT THE ASSURED HAS MATERIALLY MISSED A GREAT DEAL OF OPPORTUNITY FOR DIAGNOSTICS, TREATMENT, THERAPY, AND OPPORTUNITIES AT A LIFE AS A PRODUCTIVE MEMBER OF SOCIETY. THE MATERIAL WITH-HOLDING OF BENEFITS HAS CLEARLY HAD AN EFFECT. THE ABUSE AT THE HANDS OF DECEIVERS HAS CLEARLY HAD A TOLL, AND WOULD APPEAR TO HAVE BEEN WELL CALCULATED BY PROFESSIONALLY LICENSED AND EMPLOYED PERSONNEL TO TAKE UNDUE ADVANTAGE OF AN IMPAIRED PERSON. THE ABUSES AT THE HAND OF AGENTS IS BOTH SEEN AS INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS, AND NEGLIGENT INFLICTION OF EMOTIONAL DISTRESS WITH THEIR AGITATION CAUSING AFFECTS TO WHICH THEY MAY OR MAY NOT HAVE INTENDED SPECIFICALLY. WITH A 3 ½ TO 4 YEAR RECORD AS OUTLINED IN THE CIVIL REMEDIES ALONE THIS IS QUITE EASY TO DEMONSTRATE. THE MATERIAL MISHANDLING OF CORRESPONDENCE BY USAA AND AGENTS WITH THE COMMISSIONER OF INSURANCE FURTHER DEEPENS THE APPEARANCE OF CRIMINAL INTENT. IT APPEARS THAT BASED ON RECENT TESTING THAT PRACTITIONERS ARE PREPARING REPORTS REQUESTING THAT THE ASSURED TAKES A 1-2 YEAR “SABBATICAL” FOR THE PURPOSE OF TRYING TO AFFECT A LEVEL OF HEALING FROM THE TRAUMATIC EVENTS OF 8/29/2010 AND SUBSEQUENT ABUSES AT THE HANDS OF THOSE CONNECTED TO THIS LOSS. THE REQUEST OF SAID “SABBATICAL” IS A CLEAR INDICATION OF EXTENT AND PERMANENCY, AND UNFORTUNATELY APPEARS HEADED TOWARDS A PERMANENT LEVEL OF DISABILITY. THIS WAS NEVER THE DESIRED OUTCOME. IT HAS ALWAYS BEEN THE ASSURED’S DESIRE TO OBTAIN NORMAL/TIMELY RE-IMBURSEMENTS FOR OUT OF POCKET EXPENSES/LOSSES, WITH THE IDEA OF MAKING LOSS OF INCOME CLAIM SHOULD THE POLICY FAIL TO BE EXHAUSTED THRU “CARE” EXPENSES. CLEARLY “LOST INCOME” IS TAXED AND IT IS MERELY A CONVENIENCE TO THE ADJUSTER, NOT THE ASSURED TO PURSUE THIS ROUTE. THE DELAY OF NORMAL CLAIMS HANDLING PROCESSES CONTINUES TO FRUSTRATE AND/OR DELAY DISABILITY PURSUITS IF NECESSARY. THE OUT OF POCKET ISSUES MUST FIRST BE RESOLVED, THEN ANY “LOST” INCOME, PRIOR TO DISABILITY. THE UNLAWFUL DELAY AND FAILURES TO ACHIEVE RECONCILIATION ON OUT OF POCKET IS DRAGGING OUT LOST INCOME, AND THEREBY DELAYING ANY PURSUIT OF DISABILITY AS “INCOME” ISSUES MUST BE SORTED FIRST. WHEREAS THIS FORM OF ABUSE AND HARASSMENT BY CLAIMS HANDLERS MAY SERVE SOME PURPOSE FOR THE UNDERWRITER IT CAUSES GREAT PAIN AND LOSS TO THE ASSURED. MEANWHILE, HANDLED CORRECTLY UNDERWRITER COULD CUT THEIR COSTS/EXPENSES AND OPEN THE DOOR FOR ASSURED TO ACHIEVE A MORE EFFICIENT PURSUIT OF LOSS………….PROBLEMS ARISE WHEN AGENTS DERIVE INCOME BY WAY OF AGITATING ASSUREDS, AND THAT IS WHAT WE SEE WITH THIRD PARTY AGENTS/AGITATORS. FORTUNATELY, SHOULD SUBSTANTIAL PAYMENT BE MADE FOR OUT OF POCKET LOSSES THEN THE “INCOME” CLAIM WILL NOT IMPEDE DISABILITY PAYMENTS IF/WHEN THEY SHOULD BEGIN. IT IS CLEARLY ADVANTAGEOUS FOR ALL THAT OUT OF POCKET/LOSS PAYMENTS ARE PAID EXPEDITIOUSLY (EVEN IF SOME ARE NOW 3 YEARS LATE). IT WOULD BE PREFERRED TO BE ABLE TO HEAL IN PEACE, WITHOUT THE SUSTAINED ABUSES AND HARASSMENT THAT HAS BEEN BROUGHT ON BY AGENTS OF THE UNDERWRITER. THE UPCOMING “SABBATICAL” REQUEST FOR THERAPY WILL LIKELY EXHAUST ANY/ALL POLICY POTENTIAL BY WAY OF THE UPCOMING EXPENSE AND INCOME LOSS. PERMANENT IMPAIRMENT IS OBVIOUS TO THE MOST CASUAL OBSERVER AND ONLY AN IDIOT WOULD FAIL TO RECOGNIZE THIS. AS WE NEAR A STATUTE OF LIMITATIONS ON THIS LOSS THE ASSURED WHO ONCE WORKED IN THE INSURANCE INDUSTRY AS AN ADJUSTER/CONSULTANT ENCOURAGES ALL PARTIES PERSONALLY, INDIVIDUALLY, SEPARATELY AND CORPORATELY TO SEEK LEGAL COUNSEL AND FURTHER CONSULT WITH THEIR E&O (ERRORS AND OMISSIONS) UNDERWRITERS. YOU APPEAR TO HAVE BOUGHT THE TIME YOU WISHED VIA YOUR DELAY. IN CLASSIC STYLE A FULL POLICY PAYOUT APPROACHES TIME LIMITS, HOWEVER IF/WHEN IT BROACHES THE TIME LIMIT YOUR CRIMES BECOME “PERFECTED”. YOU HAVE BEEN WELL ADVISED ALL ALONG. YOUR BEHAVIOR HAS BEEN CONSISTENT IN THE DIRECTION YOU HAVE GONE FOR 4 YEARS. YOU HAVE PAINTED YOURSELF IN TO A PECULIAR SITUATION IN YOUR EFFORTS TO TAKE UNDUE ADVANTAGE OF SOMEONE YOUR FILE CLEARLY STATES IS BRAIN INJURED. IS THIS HOW YOU WOULD WANT THE PUBLIC TO VIEW USAA? ONCE AGAIN THE ASSURED IS FORCED TO USE THE CIVIL REMEDY FILING SYSTEM TO COMMUNICATE WITH THE INSURANCE CARRIER AND THEIR AGENTS. NO OTHER MEANS OF COMMUNICATION SEEMS TO GAIN PROPER RESPONSE. THEY USE THE CIVIL REMEDY 60 DAY RESPONSE FOR ABUSE OF PROCESS IN THEIR ATTEMPT TO RUN OUT THE TIMELINE ON THE STATUTE OF LIMITATIONS. THE OPPORTUNITY FOR RESOLUTION FOR THE INJURY/LOSS IS SIMPLE AND STRAIGHT FORWARD. SUBSTANTIAL PAYMENTS ARE 3+ YEARS LATE AND THE INSURANCE CARRIER HAS FULL BANKING DETAILS AND AUTHORIZATION FOR TRANSFER TO THE ASSURED’S ACCOUNT. THESE DETAILS WERE CONVEYED IN A DOCUMENT SET CONVEYED TO THE ATTORNEY AT THE HOAX EUO OF 2/14/2014. THERE IS NO REQUIREMENT OF ANY SORT FOR PAYMENTS ON ACCOUNT TO BE APPROVED BY THE ASSURED, AND ATTEMPTS BY THE INSURANCE CARRIER TO FORCE A FULL AND FINAL SETTLEMENT ARE SEEN AS CORRUPT DUE IN PART TO THEIR MATERIAL MISHANDLING OF LATE PAYMENTS CREATING DURESS ON ACCOUNT OFFERED LATE, YET NEVER FUNDED. I REPEAT THE UNDERWRITER USAA HAS DILIGENTLY WORKED FOR 3+ YEARS TO CREATE UNDUE FINANCIAL DURESS AND DISTRESS TO THE ASSURED TO BRING ABOUT A MORE FAVORABLE SETTLEMENT FOR THEIR INTERESTS. UNFORTUNATELY FOR THEM THEY COMMITTED NUMEROUS CRIMES IN THEIR EFFORT TO BRING ABOUT THIS EFFECT. FINANCIAL TRANSFERS HAVE BEEN FOULED FOR SOME 3 YEARS DUE TO THE MATERIAL MISHANDLING BY THE INSURANCE CARRIER. THE PATH IS CLEAR FOR THEM TO CATCH UP THE $107,000 OUT OF POCKET PAYMENTS ON ACCOUNT PER PAYMENTS/REIMBURSEMENTS THAT STOPPED SOME 3+ YEARS AGO. SEEMS SIMPLE. IF NOT SIMPLE, THEN SOMETHING MUST BE CRIMINAL. YOUR RESPONSES TO CIVIL REMEDY FILINGS REFERRING TO ABSENCE OF POLICY WORDING AND LEGAL SUFFICIENCY IS ASININE. THESE ARE NOTIFICATIONS OF INSURANCE LAW, ETHICS LAW, AND CRIMINAL FELONY NOT DEPENDENT ON THE POLICY WORDING. YOUR STATEMENTS OF LEGAL “SUFFICIENCY” ARE MATERIAL MISREPRESENTATION BY A MEMBER OF THE FLORIDA BAR WHO SHOULD KNOW BETTER. YOU PEOPLE ARE EITHER IDIOTS OR SO CROOKED YOU THINK YOU ARE UNTOUCHABLE. BE ADVISED, YOUR CONDUCT HAS LIKELY REMOVED POLICY LIMITS, EXTENDED STATUTES, AND REMOVED VEILS OF PROTECTION CORPORATELY AND OTHERWISE UNDER THE PROVISIONS OF LAW REFERRED TO ABOVE AND IN OTHER CIVIL REMEDY FILINGS. CONSIDER YOUR WAYS. YOU ARE SETTING PRECEDENT THAT NO ONE IN YOUR INDUSTRY WISHES TO FOLLOW. YOU HAVE BEEN ADEQUATELY ADVISED THROUGHOUT, AND “TRYING” THIS CASE IN CRIMINAL COURT IS ACTUALLY BECOMING MORE ATTRACTIVE AS AN OPTION.   * Facts and circumstances giving rise to the violation. Enter all words or phrases (one at a time) that should be used to filter. IN REFERENCE TO EVENTS STEMMING FROM A REAR-END COLLISION ACCIDENT ON 8/29/2010 IN WHICH INSURANCE CARRIER USAA AGREED WITH THIRD PARTY CARRIER THAT THIS WAS TO BE AN UNINSURED MOTORIST SITUATION. USAA’S ATTORNEY ON DEC 18, 2013 AGREED IN MIAMI-DADE COURT TO ALLEVIATE CASTLEPOINT FLORIDA OF THEIR THIRD PARTY RESPONSIBILITY TO COVER A REAR-END COLLISION FOR WHICH THEIR ASSURED FRANK DELGADO CAUSED. USAA HAD THE PIP, MEDICAL PAYMENTS AND UNINSURED MOTORIST COVERAGE FOR THE VICTIM (THEIR ASSURED THEODORE L WHIDDEN). EVENTS OF 8/29/2010 AND EVENTS THEREAFTER HAVE INCLUDED SUBSTANTIAL DISREGARD FOR NEEDS OF THE ASSURED INCLUDING BUT NOT LIMITED TO THOSE OUTLINED IN THIS CIVIL REMEDY AND OTHERS RELATED TO THIS EVENT. THE INSURANCE CARRIER(S) AND THEIR AGENTS HAVE SUBSTANTIALLY MISREPRESENTED ISSUES TO THE COMMISSIONER OF INSURANCE AND OTHERS REGARDING THIS LOSS, AND APPEAR TO BE STANDING BEHIND AN ATTEMPTED WEB OF DECEPTION TO AVOID THEIR OBLIGATIONS. COMPLICITY: THUS FAR VIRTUALLY EVERY PERSON WHO HAS TOUCHED THIS FILE ON BEHALF OF UNDERWRITERS (USAA) HAVE COMMITTED A CRIMINAL FELONY ON THEIR OWN TO FURTHER THE CONSPIRACY TO DEFRAUD AND DECEPTIONS TO MISLEAD THE ASSURED AND THIRD PARTIES INCLUDING, BUT NOT LIMITED TO THE COMMISSIONER OF INSURANCE OFFICE. EACH DECEPTION HAS BEEN IN EFFORT TO FURTHER A COMMERCIAL SCHEME TO DEFRAUD THE ASSURED, AND APPEARS A CLEAR PATTERN AND CORPORATE CULTURE OF DECEPTION. EACH AND EVERY PERSON ENGAGING THE FILE (PAST, PRESENT, AND POTENTIALLY FUTURE) APPEAR TO BE FURTHERING THE CRIMINAL EFFORT AND THUS ARE AIDING AND ABETTING THE CRIMINAL HANDLING EITHER BY THEIR ACTIONS OR INACTIONS. SARA SEPULVEDA AS THE NAMED USAA REPRESENTATIVE IS GUILTY OF AIDING AND ABETTING ALL PREVIOUSLY LISTED UNLAWFUL ACTS OF DELAY, DECEPTION, AND DISHONESTY. CLEARLY THE USAA NAMED CLAIMS REPRESENTATIVE IS IN POSITION TO SEE THIS, AND BY WAY OF SILENCE AND/OR INACTIVITY IS COMPLICIT IN THE FRAUDS AND DECEPTIONS TO DATE AND THOSE OF THE APPOINTED COUNSEL BY WAY OF MAKING NO ACTION TO RESOLVE. FURTHER TO THIS, FLORIDA INSURANCE ETHICS LAWS REQUIRE ALL LICENSED INSURANCE PERSONNEL TO REPORT UNLAWFUL ACTIVITY LEST THEY BECOME PART OF IT. SARA SEPULVEDA AND ALL LICENSED INSURANCE PERSONNEL (INCLUDING LEGAL COUNSEL) ARE IN VIOLATION OF NUMEROUS ETHICS LAWS IF FOR NO OTHER REASON THAN FAILURE TO REPORT THEIR OWN UNLAWFUL ACTIVITY AND THAT ACTIVITY TO WHICH THEY ARE AWARE. FAILURE TO REPORT TO AUTHORITIES MAKES ALL PREVIOUSLY LISTED PERSONS IN CIVIL REMEDY FILINGS COMPLICIT IN THE SCHEME TO DEFRAUD AND THE CONSPIRACY THEREOF. THE CLAIMS PERSONNEL INCLUDING BUT NOT LIMITED TO DEBORAH CAKOUROS, MICHELLE LUKIN, BRIAN KRUGER, LISA DAVIS, LISA FARLOW, SARA SEPULVEDA AND OTHERS LISTED IN THE CIVIL REMEDY FILINGS LEADING TO THIS ONE, HAVE ALL COMMITTED INDIVIDUAL FRAUDS, YET ARE ALL PARTY (COMPLICIT) TO THE AIDING AND ABETTING THE FRAUDS OF THEIR ASSOCIATES. THE EIGHT ATTORNEYS (INCLUDING BUT NOT LIMITED TO KRISTEN VAN DER LINDE, KATHRYN OUGHTON, CRISTINA PEREZ-TANNER) AND THEIR FIRMS INVOLVED TO THIS POINT ARE SIMILARLY INVOLVED IN A LARGE SCHEME TO DEFRAUD, AS ARE THOSE LISTED IN CIVIL REMEDY FILINGS CONCERNING THE ACCIDENT OF 8/29/2010. THE ATTORNEY REPRESENTING CASTLEPOINT FLORIDA IN MIAMI HAD SOME 17-18 OUTLINED FRAUDS IN THE DECLARATION ACTION FILING ALONE. THE AGREEMENT TO RELIEVE THEM OF THEIR OBLIGATIONS BY KATHRYN OUGHTON MADE HER AND HER CLIENTS COMPLICIT IN A HOST OF FELONY FRAUDS THAT COULD MUSHROOM LOSSES OUT OF CONTROL. KATHRYN OUGHTON’S COLLUSION WITH SAID COUNSEL AS AN ASSOCIATE OF BOYD AND JENERRETTE, PRESUMABLY UNDER DIRECTION OF USAA AND KRISTEN VAN DER LINDE ASSISTED IN FURTHERING THE FELONIES OF CASTLEPOINT FLORIDA AND THEIR COUNSEL. SHOULD USAA AND THEIR COUNSEL CHOOSE TO USE THAT RULING TO WHICH THEY WERE FOUND IN COLLUSION THEN THEY PARTY MATERIALLY IN THE 300+ ACTS OF FRAUD TO AVOID PAYMENTS OF $750,000 TO $1,000,000 PER POLICY FROM THAT SIDE OF THE EQUATION. CLEARLY IF USAA’S REPRESENTATIVES STAND UPON AN IMPROPER RULING TO WHICH THEY WERE PARTY TO SHOWS THEM TO BE A RECIPIENT OF BENEFIT FROM THE FELONIOUS ACTIVITY OF OTHERS. IN ESSENCE THEY BECOME COMPLICIT WITH THE THIRD PARTY FRAUDS AS WELL OF THOSE OF THEIR OWN, SOME OF WHICH ARE LISTED HEREIN. THE PROBLEM AS IT EVOLVES IS FRAUD IS BEING USED AS A TOOL FOR THE ROUTINE OPERATION OF DAILY BUSINESS. USAA, VAN DER LINDE, PEREZ-TANNER, AND OUGHTON ALL APPEAR TO“AID AND ABET” THE FRAUDS OF CASTLEPOINT FLORIDA AND THEIR COUNSEL SHOULD THEY MAKE ATTEMPT TO AVOID OBLIGATIONS UNDER “UNINSURED MOTORIST” COVERAGE USING CASTLEPOINT FLORIDA’S WEB OF DECEPTION TO THEIR BENEFIT. YET, AS THEY ARE NOW BEING MADE AWARE, IF THEY WERE NOT AWARE BEFORE, THEIR USE OF FRAUD AND SUCH TACTICS MAKES THEM RESPONSIBLE FOR THEIR OWN MISDEEDS, AND EVERYONE ON THEIR TEAM WHO DERIVES BENEFIT TO BE AIDING AND ABETTING AT A MINIMUM…CLEARLY SHOULD AN ATTEMPT TO HIDE BEHIND OR GO AROUND THAT RULING TO WHICH OUGHTON PARTIED IS SEEN AS BEING COMPLICIT WITH THE FRAUDS OF THEIR UNIFIED OPPONENT (COLLUSION). FURTHER TO THIS, THE UNSUBSTANTIATED CLAIMS IN THE LISA DAVIS/MICHELLE LUKIN FRAUD ATTEMPT FURTHER IMPLICATES THOSE INVOLVED IN CRIMINAL COLLUSION/DECEPTION. THE “PARTNERING” OF USAA WITH THE CROOKED COUNSEL AND APPROACHES OF CASTLEPOINT FLORIDA MAY BE INESCAPABLE. FORTUNATELY, USAA HAS A BETTER REPUTATION AND MORE AT STAKE THAN THE CRIMINAL OUTFIT THEY HAVE PARTNERED WITH TO ABUSE THE VICTIM/ASSURED. IT IS A TANGLED CRIMINAL WEB INDEED, BUT IT ALL IS CRIMINAL ONE SIDE AGAINST THE OTHER, AND ALWAYS CRIMINAL IN THE FAVOR OF THE INSURANCE COMPANY, BRINGING OUT A CLEAR CUT PATTERN OF FRAUD AND CONSPIRACY THEREOF. ALL THOSE INVOLVED, MENTIONED, LISTED, AND/OR REFERRED TO ARE LICENSED, EDUCATED, AND TRAINED THRU PROFESSIONAL ARMS OF THE FLORIDA SYSTEM, AND THUS ARE EDUCATED AND EQUIPPED IN THE RIGHTS AND WRONGS OF CLAIMS HANDLING. THEY ARE THEREFORE EACH INDIVIDUALLY, SEPARATELY, PERSONALLY AND CORPORATELY HELD RESPONSIBLE FOR THEIR BEHAVIOR, ACTIONS AND INACTIONS IN HANDLING OF THIS CASE. EACH AND EVERY ONE HAS COMMITTED MAJOR ETHICS AND LEGAL VIOLATIONS, AND EACH AND EVERY ONE IS PERSONALLY RESPONSIBLE. UNDER PROFESSIONAL LICENSING LAWS THEIR CRIMINAL FELONY INVOLVEMENT PENETRATES ALL VEILS OF PROTECTION TO THEIR PERSONAL WEALTH AND RESOURCES. UNDER THE CRIMINAL LAWS CONCERNING AIDING AND ABETTING EACH IS SIMILARLY RESPONSIBLE FOR EACH SEPARATE CRIME OF THEIR ASSOCIATES AS WELL. THE NUMBERS BECOME STAGGERING WHEN THOSE INVOLVED REALIZE THAT THEY HAVE AIDED AND ABETTED ALL EFFORTS BEFORE AND AFTER THEIR INVOLVEMENT. THE TRADITIONAL INSURANCE APPROACH IS TO USE DELAY TO THEIR BENEFIT. WHAT WE HAVE UNFOLDED BEFORE US IS A RESPONSE STRATEGY THAT MULTIPLIES POLICY LIMITS AND EXTENDS STATUTES OF LIMITATIONS BY WAY OF DOCUMENTATION OF THE FELONY ACTIVITIES AND APPROACHES. IT ALSO PENETRATES PERCEIVED VEILS OF PROTECTION OF THOSE WHO ROUTINELY COMMIT SUCH FELONIOUS ACTIVITY. WHAT A BEAUTIFUL RESPONSE STRATEGY FOR VICTIMS OF INSURANCE COMPANY ABUSE! THE LEGAL PRECEDENT THAT COULD BE SET HERE COULD BE EXTREMELY POWERFUL. THOSE OF YOU IN CHARGE OF “RISK MANAGEMENT” HAVE CLEARLY MISSED THE FOREST FOR THE TREES IT SEEMS. WHILE THE ASSURED ATTENDED TO ISSUES STEMMING FROM THE LOSS, YOU CREATED A HOST OF FELONIOUS APPROACHES ENTANGLING EACH OTHER IN A CRIMINAL MESS. ALL THE WHILE THE ASSURED REMAINED FREE OF COUNSEL REQUESTING ASSISTANCE FROM SOMEONE OF INTEGRITY. YOU APPEAR TO BE IDIOTS EVEN TO A BRAIN DAMAGED INDIVIDUAL. THE CLAIMS PERSONNEL IN THIS INSTANCE ARE BEING AND HAVE BEEN SEVERELY MISLEAD BY EITHER THEIR OWN INCOMPETENCE, IGNORANCE OR CRIMINAL INTENTS. THE DECEPTIONS ARE CONSISTENTLY IN FAVOR OF THE CORPORATE ENTITY TO WHICH THEY ATTEMPT TO PROTECT, YET ALL ARE DEEPLY ENTWINED IN CRIMINAL FELONY ACTIVITY OF OTHERS (AS WELL AS THEIR OWN) AND IF ANY OF THEM ARE SINCERE THEY CAN CLEARLY RECOGNIZE THEIR COLLEAGUES’ EFFORTS TO DECEIVE. UNDERSTAND ALWAYS THAT AIDING AND ABETTING A FELONY MAKES THAT PERSON WHO ALLOWS OR AIDS AND ABETS GUILTY AS IF THEY COMMITTED THE CRIME THEMSELVES IRRESPECTIVE OF WHETHER THE PERSON COMMITTING THE FRAUD IS EVER CONVICTED. YOU PEOPLE HAVE CREATED AND MAINTAINED A PATH OF DECEPTION INCLUDING, BUT NOT LIMITED TO CONCEALMENT OF DOCUMENTS. IN THE EUO PROOFS WERE PRESENTED THAT DOCUMENTS HAD BEEN IGNORED OR CONCEALED. THERE ARE OBVIOUS PROOFS AND INDICATIONS WITHIN THE EUO RECORDING, YET THE ATTORNEY CONDUCTING THE EUO (HOAX EUO OF 2/14/2014) DEMONSTRATED DOCUMENT MISHANDLING WITHIN THE EUO AND ALLOWED THE INJURED PARTY TO DEMONSTRATE DOCUMENT TAMPERING AND UNLAWFUL DELAY. THE HOAX EUO OF 2/14/2014 MOST ASSUREDLY BACKFIRED ON THE REPRESENTATIVE LEAVING THEM SPINNING AROUND THE ROOM LIKE A SPRAYED COCKROACH BEFORE RUNNING OUT. CLEARLY SHE NEEDED TO END THE PURSUIT BECAUSE CRIMINAL ISSUES WERE CLOSING IN ON HER. ALL INFORMATION CONVEYED IN THE HOAX EUO OF 2/14/2014 WAS READILY AVAILABLE MONTHS/YEARS PRIOR TO THE UNDERWRITER AND THEIR AGENTS. THERE WAS NO NEW OR RELEVANT INFORMATION CONVEYED WITHIN THE HOAX EUO OF 2/14/2014, MERELY A REHASH OF VERY OLD INFORMATION TO A POORLY PREPARED LEGAL COUNSEL WHO ONLY SHOWED FOR THE PURPOSE OF HARASSMENT IT WOULD SEEM. ANY OFFER BASED ON “NEW INFORMATION” IS IN REALITY AN ACKNOWLEDGEMENT OF UNLAWFUL DELAY. IT IS NOT AS IF THERE NEEDED ANY MORE INFORMATION FOR UNLAWFUL DELAY, BECAUSE IT IS ABUNDANTLY CLEAR AS NO PAYMENTS HAVE BEEN MADE IN OVER 3 YEARS. PRESENTLY USAA OWES PAYMENTS THAT ARE AS MUCH AS 3 YEARS IN ARREARS. CLEARLY WE HAVE UNLAWFUL DELAY WITH A SCHEME TO DEFRAUD TO FURTHER THIS EFFORT. THIS IS AT A MINIMUM BAD FAITH IF YOU PEOPLE JUST ESTABLISH IGNORANCE AND INCOMPETENCE. IT IS CRIMINAL IF YOU FAIL TO ACCEPT IT AS AN OVERSIGHT BASED ON INCOMPETENT STAFFING. ODDLY, INCOMPETENCE AND ABUSE OF AN ASSURED BY LICENSED PERSONS IS UNLAWFUL FOR YOUR CORPORATE BODY TO ALLOW. YOU PEOPLE REALLY NEED TO APPEAL TO SOMEONE OF INTEGRITY AND/OR RESOLVE THIS PER DEMAND IN THE CIVIL REMEDY FILINGS. AT THIS JUNCTURE SHOULD YOU RUN OUT THE STATUTE OF LIMITATIONS PER DIRECTION OF YOUR CRIMINAL COUNSEL THEN YOU ARE ALL GUILTY OF A CRIMINAL SCHEME TO DEFRAUD WITH MULTIPLE FACETS PENETRATING ALL CORPORATE VEILS. THE PROBLEM IS THAT LISA FARLOW IS AS GUILTY FOR SETTING THIS IN MOTION AS SARA SEPULVEDA IS BY SITTING ON THE FENCE WATCHING. MEANWHILE, DEBORAH CAKOUROS BEING MORE CENTRAL TO THIS AND HAVING MANAGERIAL OVERSIGHT LIKELY HAS THE GREATEST RESPONSIBILITY SECOND ONLY TO THE CORRUPTED LEGAL COUNSEL SHE HAS CHOSEN TO GUIDE AND BE GUIDED. THE ONLY WAY I SEE TO EASE THE PAIN FOR ALL IS A $315,000 WIRE TRANSFER TO THE ASSURED’S PERSONAL ACCOUNT BEFORE THE STATUTE OF LIMITATIONS OCCURS. CLEARLY A POLICY PAYOUT IS WHAT YOUR TEAM IS TRYING TO DELAY OR AVOID. CLEARLY IT IS AN INSURANCE/LEGAL STRATEGY TO WAIT TO A LATE HOUR AND GAIN SOME “EPIPHANY” THAT NEW INFORMATION CHANGES THE PERSPECTIVE AND THUS THE MAJORITY OF THE RUSE IS TO AVOID INTEREST PAYMENTS ON THE LATE (UNLAWFUL DELAY) PAYMENTS. CAN YOU SEE HOW DELAY DOES NOT WORK IN YOUR FAVOR, BUT RATHER PUTS YOU PRECARIOUSLY CLOSE TO CRIMINAL FELONY ACTIVITY? SHOULD YOU FAIL TO AFFECT PAYMENT VERY SOON THEN YOUR CRIMINAL EFFORTS ARE “PERFECTED” AND THE CRIME MAY BE IRREVERSIBLE. THE CRIMINAL PURSUIT ALLOWS MULTIPLES OF POLICY LIMITS AND PENETRATION OF VEILS, WITH EXTENSION OF STATUTES. CLEARLY PAYMENTS ON ACCOUNT ARE 3+ YEARS LATE BASED ON YOUR OWN PIP LOG. NOTE CLEARLY THE STAND-UP MRI FRAUDS IN OCTOBER 2010 WHICH WERE BROUGHT TO YOUR ATTENTION IN MULTIPLE CIVIL REMEDY FILINGS (YET DENIED BY YOUR ATTORNEY--- CRIMINAL) HAVE BEEN RECONCILED IN JANUARY 2013 ACCORDING TO YOUR OWN INTERNAL ACCOUNTING SYSTEM. YOUR ACCOUNTING SYSTEM AND EXPLANATION OF BENEFITS DEMONSTRATES THAT THE FRAUD (INSURANCE FRAUD) WHERE LISA FARLOW AND OTHERS PRESUMABLY PARTNERED WITH STAND-UP MRI TO CHURN/EXHAUST MY ACCOUNT/POLICY “WORKED” TO FRUSTRATE (DEFRAUD) THE ASSURED OF SERVICES. USAA’S SUBSEQUENT DENIAL OF BENEFITS (NOTICES OF EXHAUSTED BENEFITS) BASED ON THEIR OWN FRAUD WERE ALL UNLAWFUL WRITTEN NOTICES BY A COMMERCIAL ENTITY WITH THE INTENT TO DEFRAUD (COMMERCIAL SCHEME TO DEFRAUD). USAA AND THEIR CROOKED COUNSEL DENIED THIS(FRAUD), YET IN JANUARY 2013 RECONCILED THEIR INTERNAL ACCOUNTING TO DIVORCE THEMSELVES FROM STAND-UP MRI’S “INSURANCE FRAUD” SOME 2+ YEARS AFTER USAA WAS NOTIFIED OF THE DECEPTION. THE “INSURANCE FRAUD” OF STAND-UP MRI WAS PARTNERED IN BY USAA TO AFFECT THE ASSURED, AND THE ASSURED HAS BEEN DEFRAUDED OF BENEFITS FOR 3+ YEARS NOW AS A RESULT. THE “FRAUD” OF USAA IN PARTNERING WITH STANDUP MRI IN THEIR INSURANCE FRAUD CONTINUES TO AFFECT THE ASSURED SOME 3 ½ YEARS AFTER THE CRIME WAS USED TO SAVE USAA FUNDS AND TO FRUSTRATE A BRAIN INJURED PARTY……….. FURTHER TO THIS, THE LYING CORRUPT COUNSEL APPOINTED BY USAA HAVE DENIED THIS TO BE TRUE, YET YOUR PIP LOG/ACCOUNTING UNDERMINES THE LIES (FRAUD) OF KRISTEN VAN DER LINDE/KATHRYN OUGHTON. USAA’S CLAIMS PERSONNEL (BRYAN KRUGER, DEBORAH CAKOUROS, AND SARA SEPULVEDA AT A MINIMUM) PLUS LEGAL COUNSEL (KRISTEN VAN DER LINDA, KATHRYN OUGHTON, AND CRISTINE PEREZ-TANNER AT A MINIMUM) HAVE CONSISTENTLY FAILED TO ACCEPT, ACKNOWLEDGE, AND ADJUST DOCUMENTS FROM THE ASSURED EFFECTIVELY BEING CONCEALMENT OF DOCUMENTS WHICH IS A FELONY FRAUD. SOME OF THESE DOCUMENTS WERE PRESENTED FOR AT LEAST A THIRD TIME AT THE HOAX EUO OF 2/14/2014 DEMONSTRATING USAA AND THEIR AGENTS HAD SUFFICIENT DOCUMENTS IN HAND TO RULE IN FAVOR OF THE ASSURED AND TO PROVIDE MATERIAL PAYMENTS NECESSARY FOR PROPER DIAGNOSIS, TREATMENT, AND THERAPY. OF COURSE THE OFFER OF NOVEMBER 2012 AND USAA’S INTERNAL ACCOUNTING DEMONSTRATES FUNDS WERE DELAYED AND/OR MISDIRECTED ALL ALONG. WHEREAS THE COUNSEL APPEARS CRIMINALLY STUPID, THEY SEEM TO BE FOLLOWING THE LEAD OF THEIR CLIENT. FOLLOWING THE HOAX EUO OF 2/14/2014 THE ASSURED TRAVELED FOR EXTENSIVE MEDICAL EXAMINATION UNDER DURESS AT HIS OWN EXPENSE. THE ATTORNEYS FOR USAA HAVE MADE THEIR OWN DETERMINATIONS APPARENTLY OF CAUSE, EXTENT, AND PERMANENCY OF DAMAGES, YET THEY ARE CONFLICTED IN THEIR APPROACH. THEY HAVE FAILED TO FOLLOW PROPER LEGAL AND MEDICAL PROTOCOL, AND THEIR UNPROFESSIONAL MEDICAL/LEGAL OPINION IS NO WHERE SUPPORTED IN THE DOCUMENTS IN THEIR POSSESSION. THE CONSISTENT MISSTATEMENT OF MATERIAL FACT AND CONCEALMENT OF DOCUMENTS CONSTITUTES FELONY FRAUD. PIG WRESTLING, UMBRELLAS BAD ON 6/19/2014 WHILE TRAVELING SEEKING A MEANS TO ADDRESS ACCIDENT CONDITIONS THE ASSURED FORWARDED THE ATTORNEY KRISTEN VAN DER LINDE A SPREADSHEET AND FULL SUPPORTS FOR EXPENDITURE IN EXCESS OF $107,000. IN THE COVER NOTE OF THAT PRESENTATION THE ASSURED PLEADS WITH THE ATTORNEY TO ACKNOWLEDGE DOCUMENTS AND NOT TO DAMAGE, DESTROY, OR DISPOSE OF DOCUMENTS AS THEY HAVE BEEN DEMONSTRATED MULTIPLE TIMES TO DO. SARA SEPULVEDA AND HER CLIENT COMPANY ARE FULLY RESPONSIBLE FOR THE DOCUMENTS CONVEYED AND THE FILINGS WITHIN THE CIVIL REMEDY SYSTEM. ANY IDIOT CAN TELL THAT THE LEGAL COUNSEL CHOSEN BY USAA IS MISGUIDED AND CORRUPTED. IF THEY SHOULD REMAIN INVOLVED THEN USAA WOULD CLEARLY BE ENDORSING ALL LEVELS OF CORRUPTION EXEMPLIFIED AND HIDDEN BY THE UNLAWFUL COUNSEL. THIS IS CLEARLY A LONG STANDING BAD FAITH APPROACH AT A MINIMUM. SARA SEPULVEDA AND BRYAN KRUGER HAVE REQUESTED MULTIPLES OF FILE COPIES FROM PROVIDERS. PROVIDERS HAVE COMPLIED WITH THEIR REQUESTS FOR FILE DOCUMENTATION AS FAR BACK AS 2008. USAA AND THEIR AGENTS APPEAR TO HAVE DISPOSED OF DOCUMENTS OR FAILED TO ACKNOWLEDGE THOSE SENT/RECEIVED. USAA AND THEIR AGENTS HAVE FAILED TO ADDRESS EXPENSES PER THEIR ORIGINAL APPROACH WITH EXPLANATIONS OF BENEFITS FOR SOME 2100 LINE ITEMS OF EXPENSES ON SPREADSHEETS SHARED AS MUCH AS 2 YEARS AGO. THE USAA APPROACH TO DISCOVERY PRODUCED NO INDICATION OF PRE-EXISTING CONDITIONS OR ANYTHING THAT WOULD PRECLUDE NORMAL HANDLING OF THIS LOSS. THE ASSURED HAD BEEN “INSURED” WITH USAA FOR SOME 25-28 YEARS WITH USAA PRIOR TO THE ACCIDENT OF 8/29/2010. THIS WOULD TEND TO MUDDLE THE CONCEPT OF SOME OF THEIR APPROACHES AS THEY HAD A WORKING RELATIONSHIP FOR A GENERATION. THAT RELATIONSHIP ONLY SEEMS TO HAVE WORKED AS LONG AS THEY WERE AT THE RECEIVING END. IT IS A SHAME THAT A COMPANY WHO MAKES COMMERCIALS REFERRING TO “NO ONE BEING LEFT BEHIND” WOULD BEHAVE SO HAPHAZARDLY AND CALLOUSLY. THE FILES WITHIN THE POSSESSION OF UNDERWRITERS AND THEIR AGENTS CLEARLY OUTLINES THE 8/29/2010 AS THE CAUSE OF LOSS. EXTENT IS SIGNIFICANT AND PERMANENT PER THE RECORDS WITHIN THE POSSESSION OF THE UNDERWRITER AND THEIR AGENTS. ANY ATTEMPT TO REFUTE THIS LOSS BASED ON CAUSE, EXTENT, AND PERMANENCY (THE MARCH 2014 APPROACH BY THE COUNSEL) NEED BE OUTLINED WITH SPECIFICITY. MATERIAL TAMPERING OF FILE AND DOCUMENTS HAS BECOME APPARENT, AND ANY FURTHER REQUESTS WILL BE VIEWED WITH SUSPICION DUE TO CONSISTENT MATERIAL MISHANDLING, MISREPRESENTATION, CONCEALMENT, AS WELL AS NUMEROUS FAILURES TO PROPERLY INVESTIGATE, DOCUMENT, AND REPORT ASPECTS OF THIS LOSS AND RELATED EVENTS. THE ASSURED HAS CONTINUOUSLY ASKED FOR SOMEONE OF INTEGRITY (GOOD FAITH) BUT HAS NOT BEEN PRESENTED WITH A PERSON OF HONOR OR INTEGRITY DESPITE REQUESTS. NOTE: THE BALANCE DISORDER CLINIC RECORDS POINT TO DIS-EQUILIBRIUM PERMANENCY AND CAUSE WITH A 40% LEFT DEGRADATION OF BALANCE OSCILLATING TO A 30% RIGHT DEGRADATION. TESTING FOR BRAIN TRAUMA IN MARCH/MAY 2012 GIVES AND OVERALL NCI (NEUROCOGNITIVE INDEX) OF 6 ON A SCALE OF 0-100, WITH 3-4 AREAS OF BRAIN FUNCTION INCLUDING EXECUTIVE FUNCTION AT THE BOTTOM OF THE SCALE. HYPERBARIC OXYGEN THERAPY HAS BEEN AND IS BEING USED TO OVERCOME OXYGEN DEPRIVATION ISSUES. CLEARLY RESULTS HAVE BEEN AND ARE BEING OBTAINED USING HYPERBARIC OXYGEN THERAPY. WITHOUT PERMANENT ADDRESSING/THERAPY IN THIS AREA A DEBILITATING CONDITION AND LONG TERM THERAPY IS LIKELY. SUBSTANTIAL OTHER RECORDS ARE IN THE COMMAND AND CONTROL OF USAA AND THEIR AGENTS IF THEY WOULD STOP THE MATERIAL MISHANDLING OF DOCUMENTS THEY HAVE DEMONSTRATED TO DATE. THE ASSURED HAS STRUGGLED WITHOUT FINANCIAL OR OTHER ASSISTANCE FOR 4 YEARS, AND HAS BEEN RELATIVELY PATIENT AND CONSISTENT IN BRINGING THE IRREGULAR AND SEEMINGLY UNLAWFUL BEHAVIOR OF UNDERWRITERS TO THEIR ATTENTION. THE FILE OF THE UNDERWRITER IS RIDDLED WITH MATERIAL MISREPRESENTATIONS MEANT TO TAKE ADVANTAGE OF A PERSON THE SAME FILE DEMONSTRATED IS/WAS SEVERELY IMPAIRED. THE HOAX EUO OF 2/14/2014 (AS WELL AS THE 2013 HOAX EUO) IS EXAMPLE OF A CLEARLY IMPAIRED INDIVIDUAL. IT IS WITH DEEP REGRET THAT THE ASSURED HAS MATERIALLY MISSED A GREAT DEAL OF OPPORTUNITY FOR DIAGNOSTICS, TREATMENT, THERAPY, AND OPPORTUNITIES AT A LIFE AS A PRODUCTIVE MEMBER OF SOCIETY. THE MATERIAL WITH-HOLDING OF BENEFITS HAS CLEARLY HAD AN EFFECT. THE ABUSE AT THE HANDS OF DECEIVERS HAS CLEARLY HAD A TOLL, AND WOULD APPEAR TO HAVE BEEN WELL CALCULATED BY PROFESSIONALLY LICENSED AND EMPLOYED PERSONNEL TO TAKE UNDUE ADVANTAGE OF AN IMPAIRED PERSON. THE ABUSES AT THE HAND OF AGENTS IS BOTH SEEN AS INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS, AND NEGLIGENT INFLICTION OF EMOTIONAL DISTRESS WITH THEIR AGITATION CAUSING AFFECTS TO WHICH THEY MAY OR MAY NOT HAVE INTENDED SPECIFICALLY. WITH A 3 ½ TO 4 YEAR RECORD AS OUTLINED IN THE CIVIL REMEDIES ALONE THIS IS QUITE EASY TO DEMONSTRATE. THE MATERIAL MISHANDLING OF CORRESPONDENCE BY USAA AND AGENTS WITH THE COMMISSIONER OF INSURANCE FURTHER DEEPENS THE APPEARANCE OF CRIMINAL INTENT. IT APPEARS THAT BASED ON RECENT TESTING THAT PRACTITIONERS ARE PREPARING REPORTS REQUESTING THAT THE ASSURED TAKES A 1-2 YEAR “SABBATICAL” FOR THE PURPOSE OF TRYING TO AFFECT A LEVEL OF HEALING FROM THE TRAUMATIC EVENTS OF 8/29/2010 AND SUBSEQUENT ABUSES AT THE HANDS OF THOSE CONNECTED TO THIS LOSS. THE REQUEST OF SAID “SABBATICAL” IS A CLEAR INDICATION OF EXTENT AND PERMANENCY, AND UNFORTUNATELY APPEARS HEADED TOWARDS A PERMANENT LEVEL OF DISABILITY. THIS WAS NEVER THE DESIRED OUTCOME. IT HAS ALWAYS BEEN THE ASSURED’S DESIRE TO OBTAIN NORMAL/TIMELY RE-IMBURSEMENTS FOR OUT OF POCKET EXPENSES/LOSSES, WITH THE IDEA OF MAKING LOSS OF INCOME CLAIM SHOULD THE POLICY FAIL TO BE EXHAUSTED THRU “CARE” EXPENSES. CLEARLY “LOST INCOME” IS TAXED AND IT IS MERELY A CONVENIENCE TO THE ADJUSTER, NOT THE ASSURED TO PURSUE THIS ROUTE. THE DELAY OF NORMAL CLAIMS HANDLING PROCESSES CONTINUES TO FRUSTRATE AND/OR DELAY DISABILITY PURSUITS IF NECESSARY. THE OUT OF POCKET ISSUES MUST FIRST BE RESOLVED, THEN ANY “LOST” INCOME, PRIOR TO DISABILITY. THE UNLAWFUL DELAY AND FAILURES TO ACHIEVE RECONCILIATION ON OUT OF POCKET IS DRAGGING OUT LOST INCOME, AND THEREBY DELAYING ANY PURSUIT OF DISABILITY AS “INCOME” ISSUES MUST BE SORTED FIRST. WHEREAS THIS FORM OF ABUSE AND HARASSMENT BY CLAIMS HANDLERS MAY SERVE SOME PURPOSE FOR THE UNDERWRITER IT CAUSES GREAT PAIN AND LOSS TO THE ASSURED. MEANWHILE, HANDLED CORRECTLY UNDERWRITER COULD CUT THEIR COSTS/EXPENSES AND OPEN THE DOOR FOR ASSURED TO ACHIEVE A MORE EFFICIENT PURSUIT OF LOSS………….PROBLEMS ARISE WHEN AGENTS DERIVE INCOME BY WAY OF AGITATING ASSUREDS, AND THAT IS WHAT WE SEE WITH THIRD PARTY AGENTS/AGITATORS. FORTUNATELY, SHOULD SUBSTANTIAL PAYMENT BE MADE FOR OUT OF POCKET LOSSES THEN THE “INCOME” CLAIM WILL NOT IMPEDE DISABILITY PAYMENTS IF/WHEN THEY SHOULD BEGIN. IT IS CLEARLY ADVANTAGEOUS FOR ALL THAT OUT OF POCKET/LOSS PAYMENTS ARE PAID EXPEDITIOUSLY (EVEN IF SOME ARE NOW 3 YEARS LATE). IT WOULD BE PREFERRED TO BE ABLE TO HEAL IN PEACE, WITHOUT THE SUSTAINED ABUSES AND HARASSMENT THAT HAS BEEN BROUGHT ON BY AGENTS OF THE UNDERWRITER. THE UPCOMING “SABBATICAL” REQUEST FOR THERAPY WILL LIKELY EXHAUST ANY/ALL POLICY POTENTIAL BY WAY OF THE UPCOMING EXPENSE AND INCOME LOSS. PERMANENT IMPAIRMENT IS OBVIOUS TO THE MOST CASUAL OBSERVER AND ONLY AN IDIOT WOULD FAIL TO RECOGNIZE THIS. AS WE NEAR A STATUTE OF LIMITATIONS ON THIS LOSS THE ASSURED WHO ONCE WORKED IN THE INSURANCE INDUSTRY AS AN ADJUSTER/CONSULTANT ENCOURAGES ALL PARTIES PERSONALLY, INDIVIDUALLY, SEPARATELY AND CORPORATELY TO SEEK LEGAL COUNSEL AND FURTHER CONSULT WITH THEIR E&O (ERRORS AND OMISSIONS) UNDERWRITERS. YOU APPEAR TO HAVE BOUGHT THE TIME YOU WISHED VIA YOUR DELAY. IN CLASSIC STYLE A FULL POLICY PAYOUT APPROACHES TIME LIMITS, HOWEVER IF/WHEN IT BROACHES THE TIME LIMIT YOUR CRIMES BECOME “PERFECTED”. YOU HAVE BEEN WELL ADVISED ALL ALONG. YOUR BEHAVIOR HAS BEEN CONSISTENT IN THE DIRECTION YOU HAVE GONE FOR 4 YEARS. YOU HAVE PAINTED YOURSELF IN TO A PECULIAR SITUATION IN YOUR EFFORTS TO TAKE UNDUE ADVANTAGE OF SOMEONE YOUR FILE CLEARLY STATES IS BRAIN INJURED. IS THIS HOW YOU WOULD WANT THE PUBLIC TO VIEW USAA? ONCE AGAIN THE ASSURED IS FORCED TO USE THE CIVIL REMEDY FILING SYSTEM TO COMMUNICATE WITH THE INSURANCE CARRIER AND THEIR AGENTS. NO OTHER MEANS OF COMMUNICATION SEEMS TO GAIN PROPER RESPONSE. THEY USE THE CIVIL REMEDY 60 DAY RESPONSE FOR ABUSE OF PROCESS IN THEIR ATTEMPT TO RUN OUT THE TIMELINE ON THE STATUTE OF LIMITATIONS. THE OPPORTUNITY FOR RESOLUTION FOR THE INJURY/LOSS IS SIMPLE AND STRAIGHT FORWARD. SUBSTANTIAL PAYMENTS ARE 3+ YEARS LATE AND THE INSURANCE CARRIER HAS FULL BANKING DETAILS AND AUTHORIZATION FOR TRANSFER TO THE ASSURED’S ACCOUNT. THESE DETAILS WERE CONVEYED IN A DOCUMENT SET CONVEYED TO THE ATTORNEY AT THE HOAX EUO OF 2/14/2014. THERE IS NO REQUIREMENT OF ANY SORT FOR PAYMENTS ON ACCOUNT TO BE APPROVED BY THE ASSURED, AND ATTEMPTS BY THE INSURANCE CARRIER TO FORCE A FULL AND FINAL SETTLEMENT ARE SEEN AS CORRUPT DUE IN PART TO THEIR MATERIAL MISHANDLING OF LATE PAYMENTS CREATING DURESS ON ACCOUNT OFFERED LATE, YET NEVER FUNDED. I REPEAT THE UNDERWRITER USAA HAS DILIGENTLY WORKED FOR 3+ YEARS TO CREATE UNDUE FINANCIAL DURESS AND DISTRESS TO THE ASSURED TO BRING ABOUT A MORE FAVORABLE SETTLEMENT FOR THEIR INTERESTS. UNFORTUNATELY FOR THEM THEY COMMITTED NUMEROUS CRIMES IN THEIR EFFORT TO BRING ABOUT THIS EFFECT. FINANCIAL TRANSFERS HAVE BEEN FOULED FOR SOME 3 YEARS DUE TO THE MATERIAL MISHANDLING BY THE INSURANCE CARRIER. THE PATH IS CLEAR FOR THEM TO CATCH UP THE $107,000 OUT OF POCKET PAYMENTS ON ACCOUNT PER PAYMENTS/REIMBURSEMENTS THAT STOPPED SOME 3+ YEARS AGO. SEEMS SIMPLE. IF NOT SIMPLE, THEN SOMETHING MUST BE CRIMINAL. YOUR RESPONSES TO CIVIL REMEDY FILINGS REFERRING TO ABSENCE OF POLICY WORDING AND LEGAL SUFFICIENCY IS ASININE. THESE ARE NOTIFICATIONS OF INSURANCE LAW, ETHICS LAW, AND CRIMINAL FELONY NOT DEPENDENT ON THE POLICY WORDING. YOUR STATEMENTS OF LEGAL “SUFFICIENCY” ARE MATERIAL MISREPRESENTATION BY A MEMBER OF THE FLORIDA BAR WHO SHOULD KNOW BETTER. YOU PEOPLE ARE EITHER IDIOTS OR SO CROOKED YOU THINK YOU ARE UNTOUCHABLE. BE ADVISED, YOUR CONDUCT HAS LIKELY REMOVED POLICY LIMITS, EXTENDED STATUTES, AND REMOVED VEILS OF PROTECTION CORPORATELY AND OTHERWISE UNDER THE PROVISIONS OF LAW REFERRED TO ABOVE AND IN OTHER CIVIL REMEDY FILINGS. CONSIDER YOUR WAYS. YOU ARE SETTING PRECEDENT THAT NO ONE IN YOUR INDUSTRY WISHES TO FOLLOW. YOU HAVE BEEN ADEQUATELY ADVISED THROUGHOUT, AND “TRYING” THIS CASE IN CRIMINAL COURT IS ACTUALLY BECOMING MORE ATTRACTIVE AS AN OPTION.

Comments

User Id   Date Added   Comment kvanderlinde@boyd-jenerette.com 08-19-2014 A letter was sent to the Complainant on 08/19/2014 in response to the Civil Remedy Notice.