January 31, 2013
I am so slow at getting things done. I have had 2 brain injuries, ischemic strokes, and have several structural problems that create constant pain. But I have resolved to get this message out there and get the radical change needed.
I wrote the following summary to submit to the FBI.

The following is a summary of four accidents, starting in 1999. My story involves the insurance industry and all the entanglements that surround it. A part of this is the defrauding of Medicare and Medicaid of monies owed to them by our auto insurance companies. They put liens on the insurance claims. The negative consequences of the fraudulent use of our money are huge. With Obamacare coming into the mix, there will be more abuses of our money.
This whole issue needs to be investigated and brought before the people who pay the bills.

Nov.1, 1999
Auto accident, Farmers Insurance Company
Corrupt actions started with a cop who produced two separate accident reports, both with false information. Eventually a local insurance agent would admit to being involved. There is suspicion regarding a local charter school and the use of family records that could have been tied into the accident.

Although my insurance policy was loaded with benefits and Colorado had no fault insurance whereby state statutes supported the payment of benefits to the claimant, Farmers adjusters manipulated ways to get out of paying. Local lawyers refused my case based on the amount of work vs the amount of money they would make, the case was too complicated. Farmers would tell me I did not need an attorney, but refused to pay or give guidance through the tightly woven system. The state insurance commission was uncooperative.

The police officer on the scene never talked to me to see if I was injured. It turned out that I was seriously injured internally. There were bruises and swelling externally. He also falsified
the damage on my vehicle making it look like I was at fault. Pictures show this.
I was not only suffering from the trauma of the accident but also the injuries and the sloppy way the case was handled. The obvious lying threw me, especially when it came from a doctor. I was so traumatized by the lying and the revelation of all the corruption that following experiences would be tainted. My ability to judge soundly would be hindered by fear, almost terror.

2003 accident

An illegal drove through a red light staring at me. There was a woman in the back seat holding a baby. I saw her coming but she moved her car into mine putting a scratch on her door and as she moved forward hooked her car onto my front fender. It eventually came off. She was obviously at fault but not ticketed. There would be no mention of the lady in the back seat.
I was ticketed for no insurance. I was fined and told to go to court,when I went down to investigate
about the time of the court appearance, I missed the date and there was a bench order, I was arrested and held with a $2000 bond, 3days in jail, My fine was $200. A judge Sletta was involved. He would later claim that he was following the district attorney's orders. What an experience. I've never used the F word. I heard it more times in an hour than I would hear it the rest of my life.
The court awarded a sum of money to the illegal although it was her fault, stating that the reason for this was that" I didn't care???" She had American Family Insurance who refused to pay. She claimed to be injured. Because I stopped before impact the cars were the only injured parties and this because she deliberately moved her car into mine.

2008, April 1 (fool's day)

A Hispanic male ran through a red light, hit my car (totaled it), ran from the scene. He was caught. I was told he was drugged and drunk. I was gashed in the head, my arms were paralyzed. He claimed to not have insurance but the car was insured by the girlfriend and mother with State Farm. The daughter claimed she gave the boy permission to drive. I was not given insurance info for about two weeks. I had dropped my uninsured motor vehicle insurance about two weeks before the accident. I had brain damage, a TBI and multiple problems associated with this. I would gain some function with my arms but still have tremors, numbing, that interfere with many tasks.

State Farm started the tactics of deny and delay.

I hired an attorney, Clifford Enten. I hired him after meeting with a man who said he was his representative in Colorado
springs. He was impressive but a fraud, as I would find out later. I would meet with Enten about 1 and 1/2 years later. At this time I was told State Farms settlement offer was $42,000 from which Enten would take $21,000. The initial medical bills were $25,000.
He told me State Farm was paying $100, 000 in medical which turned out to be untrue. I spoke with a Margie Oswald who denied that State farm said this. I questioned Enten about the rep that met with me. Enten did not know him. I had a business card with his name and the reps name on it. Through a phone call, I refused the offer but Enten became belligerent trying to convince me that this was right. He and Margie Oswald of State Farm, needed to get their stories straight. I fired the attorney, who said he would file a lien on any money I get from the case. Enten knew the extent of my injuries and was probably banking on them to pull the wool over my eyes. I was stunned and overwhelmed.

2010, January (two different dates were claimed)

Elevator accident. A portion of the service elevator dropped on my head at a U-Haul storage facility. I would suffer a stroke about 5 days later. This happened before a settlement was offered by State Farm. I told Enten's assistant about it who would contact me shortly after telling me that Enten wanted to get the state Farm case out of the way. An investigator from the insurance company with U-Haul company came by my apt. I was told that a lawsuit in my name was filed against the elevator company. I'm still battling with them, which is an incredible story. Is Enten involved here? $18,000 in initial medical bills.

Farmers was required to settle with me within 10 years. I had contacted them many times to get this done.

I have not been paid yet.

Enten is somehow involved in all this.

The fact is that automobiles are being used as weapons for financial gain in more cases than are recorded. More people die or are severely injured every year than war, 911,etc. In my case every injury was deliberate.

When I staggered out the door of the storage building, the manager was right out there and just said he hired a nit-wit who over oiled it.There were no signs indicating this.

The rewarding of illegals for using their vehicles as weapons for financial gain is insane. There was a drug connection with the 2008 accident. I looked up the court records and found out Daniel Vasques was claiming a TBI.

I am going to write somewhere about greed- what people are doing to get money.Any ideas.
Please think about how the people can take charge of our money especially in the auto insurance industry. It is big business and no longer serves it's purpose for those who support it. So goes the medical establishment and I dare say the "churches"

enough

January 10, 2013

My experience with the insurance industry has extended to the accident with U-Haul corporation. In 2010 part of the service elevator dropped on my head as I was entering the elevator. There were no warning signs that the elevator door was faulty. It hit me on the head just behind the scar of the auto accdent just 2 years before. I staggered out to find the manager just out side the building. I told what happened then he answered with the comment that the elevator had been overoiled by a nit-wit he had hired.
I would end up going to the emergency room of Penrose Hospital and was admitted with the symptoms of a stroke. I was released the next day. A claim was filed by one of the employees who disappeared a few weeks later from the facility. Maybe fired? I spoke with the insurance company that covers U-Haul, Republic Western several times over the two years. Close to end of the statutes of limitations they were not going to cooperate so I filed a lawsuit with the U-Haul Corp. They sent an attorney from Phoenix, Az and another from Denver to get the case dismissed. What they paid these two would have covered the amount I was asking for which would have paid the medical and additional needs for some extended care.
I have suffered from brain damage. I had paid for my stroage thru an auto pay for years. In Oct. just before the hearing to see where the case would go I was told by one of the workers that my stuff would be sold in three days. I was trying to find out what had happened to the missing money from my account. I really believe that they think that the brain damage has caused enough dementia to fool me. One thing I realised when I found out how much damage was done I could still discern a level of wrong. I tried to move my stuff to a new storage but my body started to cave in. I needed help that I could not afford. They continue to refuse to pay and are hold my stuff instorage as hostage to get what they want which is what I am not sure.Tomorrow I will detail what State Farm has done.

January 9,2013

Into a new year. I am just now getting back to blogging. I have been fighting the insurance company involved with U-haul Corporation. They can get ugly. Today I am posting an article that I wrote July 25, 2012. It is just as I wrote it then and sent it to be published in theWall Street Journal.

Since 1999 I have been experiencing a wakeup call. Not unlike the Tea Party Movement that would take place about seven years later. November 1, 1999 I experienced the first of 3 auto accidents and an elevator accident. I was seriously injured in the 1999 and 2008 accidents, then the elevator accident. I had the naive notion that should I experience an auto accident in which I was injured my insurance would cover the experience.
The November 1, 1999 event started a series if incidences that would unveil how corrupt and complicated the auto insurance industry is, as the books the Vuture Culture and Delay, Deny, Defend would reveal later in 2010. About a year after the 1999 accident I came across writing by Richard E. Stewart. He wrote in 1978 what I was living through and some of what the other two books would cover more extensively. They all empahsized the need for reform. Not just lowering payments.
(federalizing is not the solution)
I was well insured by Farmers who started to pay along the no fault lines the state of Colorado had at the time but after a few weeks they started some delay tactics then denial. I contacted several attorneys in Colorado Springs, Co. One after another said they would not take the case, reasons being- El Paso County was too conservative and settlements were too low, my case was complicated and that an attorney would not make enough money off of me.
During this time the thought that these companies are using OUR money to support a system that is complicated and corrupt instead of stewarding our money for the benefit of its supporters kept coming to mind. I kept thinking-But It's Our Money! Sounds like the outcry of the Tea Party Movement. Then the question- Why are we allowing this?
Colorado would change from the no-fault system to the tort system. This would establish an even greater no win situation for the consumer, essentially, defrauding the American middle class. Also auto insurance would become mandatory. It is a form of taxation. Sounds a little like Obamacare to me. Now in all 50 states, auto insurance is mandatory. There are also punitive laws now for not having insurance.
Again it is our money.

Some thoughts and questions!

Are insurance agents still paid a commission off of mandatory payments?
Lawyers scam the system making everything complicated. It's our money!
Adjusters(claim representatives) make decisions managing our money based on computer programs and company profits as well as their own benefit. Special favor and awards -like the Vulture awards(State Farm) are given out to employees.
Medical personnel are paid to minimize physical consequences of injuries endangering the welfare of victims. Bottom line they lie.
Then there are those who use the vehicle as a weapon to cause an accident with monetary gain as their motive. This is criminal. There seems to be no thought of the consequences of injury or the possibility of manslaughter.
Why do these insurance companies spend so much money on advertising when insurance is mandatory.

OUR MONEY SUPPORTS THIS! WE PAY COMING AND GOING!

I read this statement in one of the writings. "Pursuing an insurance claim is like running a marathon on a stretcher with IV's" In my case it has been worse. The system was set up to insure recovery not hinder or prolong it or even destroy the chances of recovery.
Yes, there is fraud against the insurance companies but I suspect it is no where near what the companies claim. The real fraud is toward the real victims if vehicular crime. For example in situations where someone runs a red light, drugged, drunk or setting up accidents or neglecting to post warning signs of dangerous, faulty equipment and the insurance company delays, denies or forces a claimant to defend.Then there are waste and other forms of mismanagement of our money.

WHO DEFRAUDS WHO?