Thursday, May 30, 2013
Liberty, what is it
May 30, 2013
Do we really understand what liberty is? If we don't understand it then how would we know if we loose it?
This is my understanding!
I think of liberty as having a right to make my own choice without coercion or intimidation or subjection to the inconsistent, arbitrary wills of others, like bureaucrats or my arch Nemesis's, insurance claims adjusters. I have to look up the plural for Nemesis. Maybe nemisei?
I've experienced every negative aspect of the human condition and began to wake up to it starting with the Nov. 1, 1999 auto accident. I have also experienced how other cultures in our society perceive liberty. It is viewed as freedom. And freedom to many means that they can do anything they want regardless of the consequences. With two accidents out of the Mexican culture I experienced the terror of coercion, give me what I want or we will hurt you. I say we because of their familia mentality, some kind of twisted cultural loyalty thing. I believe strongly from what I have seen over the last 12 years is going to manifest in an evil within our borders like we could never imagine. A bronze nation of sorts wanting our resources.
Insurance money is one way of extracting money from the USA, never mind that people are being injured. How many of the white culture have done this in some fashion. The use of vehicles as a weapon for gain is a subject that must be addressed. This is part of the reform I want to see happen.These are not victimless crimes.The injuring or death of people is criminal. Then you add on the money, this is theft. We are talking assault and battery, manslaughter, murder. If the accidents were planned and some one dies as a result, would this be considered 1st degree murder? I asked this of a district attorney. The assistant district attorney Kalid who was prosecuting the drugged drunk driver who totalled my car by running a red light, totalling my car, running from the scene,while I was bleeding from a head wound, was going to give him some community service and drunk driver classes. The kid had a rap sheet a mile long.
Liberty and justice have gotten so twisted. How did we get so low?
What ever happened to common sense? Why have we allowed bully cultures into our society and the appease them in the name of a thing called tolerance. Is any of this tied to our concepts of liberty.
Liberty for me also means I have a right to live righteously, to exercise decency. I am studying the righteous mind and moral psychology. More on this. Will it be possible to reform the insurance industry? Will it take a public takeover to restore sanity?
Tuesday, May 28, 2013
some thoughts on who we are
May 28, 2013
Recently in a conversation with someone at the library, I heard again the complaint about the growing fact of how decisions about our well being are being made by unprofessional, ignorant, uncaring self-motivated people. In too many cases that is. Many are young and inexperienced. This is in the medical field and will become more apparent with the onset of Obamacare. It was especially true in the auto insurance industry and one of the main reasons I desire to get some real reform.
How to get our right to choose back. AGAIN IT IS OUR MONEY!
So do you have any value? Intrinsic value. Not the value you rate because of your gender, age, race, social class.
In Colorado Personal Injury Practice, there are 4 volumes devoted to the this area alone. They use natural language, that is language we the people can understand. The rules are there for the people. But again because of the complicated tort system geared toward lawyer involvement we loose. As I was reading today I again realised that we are the boss in these situations. Somehow the legal system has intimidated us into believing that we need them. Of course their monetary gain is the issue. Is it unjust enrichment. Yes it is.
We need a change in our thinking. There has to be something from my ancestry that motivates my sense of justice. I am a daughter of the American Revolution. My father's family history goes back to the early days of our country.I instinctively know the reasons this country was founded and still believe that we the people can make a difference and do justly. I guess it could be called a righteous mind.
Since the 2008 accident and the brain damage that came with it I began to value and appreciate my mind in a new way. I have had to fight to get a lot of the function back. The delays in posting on my blog are because as I use my brain it tires out. I had another blackout recently which scared me and it cost me some time. If any of you are true believers in Jesus please pray for my healing and strength as well as financial resolutions that will make it possible to get what I need for healing and basic comforts. like a place to live and good food. Also vitamins etc.
I've also seen what a generous people we are, those of us who have a history in this country. The most generous are those who have an authentic faith in Jesus Christ.
You are so valuable. Say to yourself 3 times a day "I am valuable. My right to choose is valuable."
What we need is to have a set amount of funds like a trust set aside to cover the cost of an auto accident. I haven't worked out the details but I want to meet with Insurance companies and get this done. We will manage our money or have a trustee to do it. There is a way to do this.
Recently in a conversation with someone at the library, I heard again the complaint about the growing fact of how decisions about our well being are being made by unprofessional, ignorant, uncaring self-motivated people. In too many cases that is. Many are young and inexperienced. This is in the medical field and will become more apparent with the onset of Obamacare. It was especially true in the auto insurance industry and one of the main reasons I desire to get some real reform.
How to get our right to choose back. AGAIN IT IS OUR MONEY!
So do you have any value? Intrinsic value. Not the value you rate because of your gender, age, race, social class.
In Colorado Personal Injury Practice, there are 4 volumes devoted to the this area alone. They use natural language, that is language we the people can understand. The rules are there for the people. But again because of the complicated tort system geared toward lawyer involvement we loose. As I was reading today I again realised that we are the boss in these situations. Somehow the legal system has intimidated us into believing that we need them. Of course their monetary gain is the issue. Is it unjust enrichment. Yes it is.
We need a change in our thinking. There has to be something from my ancestry that motivates my sense of justice. I am a daughter of the American Revolution. My father's family history goes back to the early days of our country.I instinctively know the reasons this country was founded and still believe that we the people can make a difference and do justly. I guess it could be called a righteous mind.
Since the 2008 accident and the brain damage that came with it I began to value and appreciate my mind in a new way. I have had to fight to get a lot of the function back. The delays in posting on my blog are because as I use my brain it tires out. I had another blackout recently which scared me and it cost me some time. If any of you are true believers in Jesus please pray for my healing and strength as well as financial resolutions that will make it possible to get what I need for healing and basic comforts. like a place to live and good food. Also vitamins etc.
I've also seen what a generous people we are, those of us who have a history in this country. The most generous are those who have an authentic faith in Jesus Christ.
You are so valuable. Say to yourself 3 times a day "I am valuable. My right to choose is valuable."
What we need is to have a set amount of funds like a trust set aside to cover the cost of an auto accident. I haven't worked out the details but I want to meet with Insurance companies and get this done. We will manage our money or have a trustee to do it. There is a way to do this.
Monday, May 20, 2013
consequences
May 20, 2013
On Dec. 7, 2001, I wrote a letter to the then CEO of Farmers Insurance Co., Martin Feinstein. I did this based on an article in a Readers Digest that gave suggestions on how to handle an auto accident. I already was aware of the difficulties but thought that a letter to the top guy would get some results. Of course he was not in. The naivety of our society is profound.
I started with: "The trust and loyalty I have placed in Farmers Insurance for many years has not been merited with regard to an auto accident I was in November 1, 1999. For this reason I am turning to you for help in getting the lost wages and medical treatment I deserve and desperately need. There have been so many complications, but for the sake of brevity I hope to make this letter a brief overview of damages and injuries, and difficulties I've encountered with the claims department here in Colorado Springs.I then listed injuries, state statutes, lost wages, consequences of failure to receives the benefits of my policy. By this time I realized that our policies are contracts and should be treated as such.Some of the consequences listed from failure to receive the allotted PIP wages and medical treatment were-Repossession of vehicle, compounding inability to access appropriate medical treatment and all personal needs, Forced to live on Social Security disability and food stamps, inability to purchase basic needs for granddaughter and self, inadequate funds to sustain mortgage, payments, Isolation, Excessive pain, to the point of drug addiction, depression, and contemplation of suicide. I wrote "There is no way to express the anguish of the last two years of my life."
It was a demand letter as I would find out later, although I was not demanding. My southern genteel manners were apparent. There was more. By law and by right I should have been paid. i expressed in my article the difficulties I faced with the lawyers in Colorado Springs. What I faced was called conservative and if this was conservative then it was everything right gone a muck.
The focus on settlements is base on a sum of money that does not reflect the needs in the initial recovery process nor in the long term needs.
!4 1/2 years later I rely on drugs just to function on a very basic level. There have been more days where I have not been able to do more than get myself to the bathroom, my policy afforded me funds for help in the first year. I had none. I was to receive rehabilitation in every area, physical as well as work related. None. I tried over the years to get them to do what was right even filing my own lawsuit but without the funds I could not pursue this.
I think back on Catherine Catherman who said to me "now why would you need money". Part of their strategy to keep from paying. They do this to people who are suffering. What I don't get is that they are supported by the courts. Fraud is the least of the charges that should be brought against them. I have not been able to get the name of the original manger of the claims department on Academy who was the person responsible in the beginning. He was there in November of 1999. He was also supposed to be a friend of my agent Bob Yaswa. Later, someone named Jarvis was there and I approached him. Nothing. The names
of others are in my files. I would like to see jail time for there crimes.
Yes it was a long time ago but I have suffered the consequences of their choices to not do their fiduciary duty.
I am a follower of Jesus Christ. And forgiveness is part of the plan and has been granted but justice is also part of His plan.
Why do we need reform? There are many whose lives have been destroyed not just by the accidents but by these leeches of society. AND WE PAY THEM TO DO IT.
Are we stupid or what?
On Dec. 7, 2001, I wrote a letter to the then CEO of Farmers Insurance Co., Martin Feinstein. I did this based on an article in a Readers Digest that gave suggestions on how to handle an auto accident. I already was aware of the difficulties but thought that a letter to the top guy would get some results. Of course he was not in. The naivety of our society is profound.
I started with: "The trust and loyalty I have placed in Farmers Insurance for many years has not been merited with regard to an auto accident I was in November 1, 1999. For this reason I am turning to you for help in getting the lost wages and medical treatment I deserve and desperately need. There have been so many complications, but for the sake of brevity I hope to make this letter a brief overview of damages and injuries, and difficulties I've encountered with the claims department here in Colorado Springs.I then listed injuries, state statutes, lost wages, consequences of failure to receives the benefits of my policy. By this time I realized that our policies are contracts and should be treated as such.Some of the consequences listed from failure to receive the allotted PIP wages and medical treatment were-Repossession of vehicle, compounding inability to access appropriate medical treatment and all personal needs, Forced to live on Social Security disability and food stamps, inability to purchase basic needs for granddaughter and self, inadequate funds to sustain mortgage, payments, Isolation, Excessive pain, to the point of drug addiction, depression, and contemplation of suicide. I wrote "There is no way to express the anguish of the last two years of my life."
It was a demand letter as I would find out later, although I was not demanding. My southern genteel manners were apparent. There was more. By law and by right I should have been paid. i expressed in my article the difficulties I faced with the lawyers in Colorado Springs. What I faced was called conservative and if this was conservative then it was everything right gone a muck.
The focus on settlements is base on a sum of money that does not reflect the needs in the initial recovery process nor in the long term needs.
!4 1/2 years later I rely on drugs just to function on a very basic level. There have been more days where I have not been able to do more than get myself to the bathroom, my policy afforded me funds for help in the first year. I had none. I was to receive rehabilitation in every area, physical as well as work related. None. I tried over the years to get them to do what was right even filing my own lawsuit but without the funds I could not pursue this.
I think back on Catherine Catherman who said to me "now why would you need money". Part of their strategy to keep from paying. They do this to people who are suffering. What I don't get is that they are supported by the courts. Fraud is the least of the charges that should be brought against them. I have not been able to get the name of the original manger of the claims department on Academy who was the person responsible in the beginning. He was there in November of 1999. He was also supposed to be a friend of my agent Bob Yaswa. Later, someone named Jarvis was there and I approached him. Nothing. The names
of others are in my files. I would like to see jail time for there crimes.
Yes it was a long time ago but I have suffered the consequences of their choices to not do their fiduciary duty.
I am a follower of Jesus Christ. And forgiveness is part of the plan and has been granted but justice is also part of His plan.
Why do we need reform? There are many whose lives have been destroyed not just by the accidents but by these leeches of society. AND WE PAY THEM TO DO IT.
Are we stupid or what?
Thursday, May 16, 2013
from the beginning
July 25, 2012
Since 1999 I have been experiencing a wake up 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 again in 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 of incidences that would unveil how corrupt and complicated the auto insurance industry is, as the books the Vulture 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 emphasized the need for reform. Not just lowering payments.
I was well insured by Farmers who started to pay along the no fault lines the state of Colorado had at that 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 my case, reasons being- El Paso County was too conservative and settlements were 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 my 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 middleclass. 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’s 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 award (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 on advertising when insurance is mandatory?
Our money supports this! Why are we allowing this?
The cost to the medical field is huge when an insurance company does not pay the medical bills they are required to pay. In the tort system one’s own insurance pays the medical. A lien is placed on any settlement. In my case there have been no settlements. In the 2008 accident State Farm offered a measly $42,000 with an initial medical bill of $25,000 which was covered by Medicare. I asked the attorney I hired-what would happen when Obamacare stepped in and my injuries from the accident would be considered preexisting should I live. Would this become a decision of some review board? His response was that Obamacare would not step in until 1014. Maybe he thought I would not be around by then.
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 that it is nowhere near what the companies claim. The real fraud is toward the real victims of vehicular crime. For example in situations where someone runs a red light, drugged and 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?
I've decided to start from the beginning or from the article I published which gives an overall summary of the problems involved with the system. I just learned how to copy and paste so I'm commenting at the end of the article. Don't want to mess things up. I'm learning as I go. I had to relearn the computer all over again after the hits on my brain. I'm thankful for our free library system especially in Colorado Springs, Co. I have had some physical setbacks which have hindered my ability to write but I am back and have a new strategy.
I have some ideas about the solutions. The how to get this done is lacking. I hope to get some comments from my readers regarding solutions and how tos. There are many who have run into like problems in the auto insurance industry but in the medical industry as well. One thing that is probably the most provoking is that the level of incompetency, self interest, personal gain(often times fraudulent) is so prevalent. Stupidity is rampant. Lack of common sense, the norm.
I have been reviewing the statutes, court practices, rules etc. regarding lawyers. It is all so complex. somehow we need to get the power out of their hands. I also went back to the French Revolution, Russian Revolution and even the Spanish Inquisition. Searching out the root causes. Having a guillotine placed in the town squares of our cities is not the solution.
All that I've experienced is a microcosm of much of what is ailing in our society. I will be breaking this down and explaining some my conclusions. I'm done for today. Please notify others about this blog. I have not received funds yet and need your prayers. God has kept me alive and through Jesus I have had incredible healing especially considering I've had little or poor medical assistance.With out the funds from the insurance I am very limited. Prayers are needed for me but also for us all. We have been duped into an unconcious state of existence.
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