By Woodrow L. Higdon
NOVEMBER 2010
State Financed Criminal Insurance Fraud Of Citizens, Protected By District Attorneys Like Bonnie Dumanis For FIVE MILLION DOLLARS A YEAR IN EXPANDED UNION JOBS, PAY, AND BENEFITS !!
Politicians from Sacramento to Washington D.C. including San Diego District Attorney Bonnie Dumanis have been campaigning for years, on the false premise that something had to be done about out of control Insurance Company Fraud, and the denial of legitimate claims and coverage. THIS CALL TO ARMS IS A PUBLIC CORRUPTION LIE, and criminal insurance fraud of California citizens in the hundreds of millions of dollars, and public agency conspiracy to obstruct justice for money.
PUBLIC CORRUPTION DOCUMENT LIST
UPDATE
It's four years late, but even the San Diego Union Tribune eventually published on part of the public corruption in their April 2012 publication, and the news media has known about the state financing the criminal insurance fraud of it's citizens for many years.
The primary reason that so many California citizens are being criminally defrauded of their insurance benefits, is the State Of California, and private businesses, are literally bribing District Attorneys's, state wide, to protect insurance companies, from citizen criminal insurance fraud complaints, and to provide insurance companies with head of the line first priority insurance fraud prosecutions of citizens. The corrupt criminal conspiracy even provides fraud recovery assets to the insurance companies. Private companies can even do their own investigations, and then buy the prosecutions from the DA's Office. Citizens are aggressively prosecuted, while insurance companies are protected from prosecutions for the same crimes. The criminal corruption cover up in the DA's offices is to protect the tax dollar cash flow to their unions, but also to protect other, on going, criminal operations in the San Diego District Attorney's Office.
THE MONEY
The bribery money comes in the form of Special Funding Grants, paid to District Attorney Insurance Fraud Investigation Divisions state wide, through the California Department Of Insurance, and administered by the CDI's Insurance Fraud Commission. The funding grant money, FIVE MILLION DOLLARS A YEAR TO THE SAN DIEDO DA'S OFFICE, comes with investigation and prosecution restrictions, that void citizens criminal protections. If you average the San Diego DA's money out, over the fifty eight California counties, that would be approximately $290,000,000.00 a year, in criminal bribes to County District Attorneys, in exchange for obstructing citizen complaints and investigations, and protecting the insurance companies financial interest, coming and going. The money is used to expand Union jobs, pay, and benefits in the DA's office.
HOW THE CRIMINAL SCAM WORKS
To get the money, DA's like DA Bonnie Dumanis, must agree in advance to protect insurance companies from all criminal insurance fraud complaints, filed by individual citizens, and to push citizens to hire civil attorneys. The citizens legal protections from criminal insurance fraud, under Penal Code Section 520, have been sold indirectly to the insurance companies. The only real loser in the corrupt bribery system is the innocent citizen that is forced to buy the insurance, and then forced to hire a civil attorney, when they are criminally defrauded of their insurance benefits. The criminal insurance fraud of citizens is more common than the average citizen thinks. As there are no DA or Police investigations, there is no paper trail, or statistics, on how many citizens are criminally defrauded by insurance companies. This also protects the DA's and Police from criminal complaints and civil law suits for conspiracy to obstruct justice. It's a perfect public corruption criminal scam for more tax dollar money to support public union jobs and benefits.
The bribery money sources are insurance company fees, collected from the citizens through surcharges, paid to the state, and supplemented with citizens tax dollars. Insurance Companies criminally defraud policy holders on a regular basis, as they know they are protected from criminal investigations, arrest and prosecution. Elected official, many of which are attorneys, receive extensive campaign financing from insurance companies, and public unions, like the county DA's, who financially benefit from the payoffs, so they do not want to rock the boat.
All citizens criminally defrauded are pushed to hire civil attorneys, producing a never ending line of paying clients, for civil litigations with huge windfall profits for attorneys. Huge profits for civil attorneys, on cases that should have been handled criminally in the first place. Civil attorneys do not rock the boat because they make a very good living from the expanded client base, for civil litigations on criminal insurance fraud.
All criminal complaints filed against district attorneys and police officers for obstruction of justice and conspiracy in the insurance fraud scheme, are buried and ignored by all public agencies. The "Blue Wall" of law enforcement automatically protects anyone wearing a badge, and the bribery money benefits the public unions, and the public agencies at all levels.
The hard documentation is almost too extensive to read, and all buried by the California Department of Insurance, and law enforcement to protect union pay, and benefits, that is directly connected to other on going public union criminal operations, in the DA's office, and local law enforcement:
1-23-08 Wawanesa Insurance Criminal Insurance Fraud Complaint & District Attorney Misconduct Obstructing Criminal Complaint Filings and Investigations
FILED WITH: SAN DIEGO COUNTY DISTRICT ATTORNEYS OFFICE
2-11-08 District Attorney Continuing Obstruction Of Justice In The Filing & Investigation Of Criminal Complaints Against Insurance Companies for Criminal Insurance Fraud
FILED WITH: SAN DIEGO COUNTY DISTRICT ATTORNEYS OFFICE
2-14-08 District Attorney Document By DDA Latuca Confirming DA Obstruction Of Justice And Criminal Insurance Fraud Scheme For Money
2-18-08 Chief Frank McCoy Notification Of Police Misconduct By Multiple Oceanside Police Officers In Obstructing The Filing & Investigation Of Criminal Complaints
FILED WITH: OCEANSIDE POLICE DEPARTMENT, CHIEF FRANK McCOY
3-3-08 Chief Frank McCoy 2nd Notification Of Continuing Police Misconduct By Multiple Oceanside Police Officers In Obstructing The Filing & Investigation Of Criminal Complaints
FILED WITH: OCEANSIDE POLICE DEPARTMENT, CHIEF FRANK McCOY
3-13-08 Oceanside Police Misconduct And Obstruction Of Justice Criminal Complaint
FILED WITH SAN DIEGO DISTRICT ATTORNEYS OFFICE
Time Line Investigation Documentation of Oceanside Police Obstructing The Filing & Investigation Of A Felony Criminal Insurance Fraud Complaint Against Wawanesa Insurance Company
FILED WITH: OCEANSIDE POLICE DEPARTMENT, SAN DIEGO COUNTY DISTRICT ATTORNEY, CALIFORNIA ATTORNEY GENERAL'S OFFICE, & FEDERAL BUREAU OF INVESTIGATION
4-17-08 San Diego Distinct Attorney Inter-Departmental Correspondence Stating Cynthia Sommer Arsenic Poisoning Evidence Never Existed
Evidence suppressed by DA's office to obstruct on going $20 million dollar law suit, and protect DA Dumanis and others from liability.
4-28-08 Attorney General Jerry Brown Notification On District Attorneys Protecting Insurance Companies From Investigation And Prosecution On Criminal Insurance Fraud Complaints In Exchange For More State Funding.
FILED WITH: CALIFORNIA ATTORNEY GENERAL'S OFFICE, & ATTORNEY GENERAL JERRY BROWN
5-7-08 THRU 12-1-10 Oceanside City Council Meeting Public Presentation Topic Notes To Establish A Public Record Of Corruption Cover Up
FILED WITH: OCEANSIDE CITY COUNCIL, WITH CHIEF FRANK McCOY, CITY ATTORNEY MULLEN, AND CITY MANAGER WEISE PRESENT.
ALL COUNCIL MEETING ARE TELEVISED AND RECORDED ON VIDEO TAPE BY KOCE 10 PUBLIC BROADCAST TELEVISION.
5-29-08 District Attorney & Oceanside Police Notification Of Police And DA Criminal Misconduct And Obstruction Of Justice & Conspiracy To Aid And Abet Insurance Fraud & Protect Illegal State Funding
FILED WITH: SAN DIEGO COUNTY DISTRICT ATTORNEY'S OFFICE, & OCEANSIDE POLICE DEPARTMENT
6-4-08 Attorney General Jerry Brown 2nd Notification On District Attorneys & Police Protecting Insurance Companies From Investigation And Prosecution On Criminal Insurance Fraud Complaints, In Exchange For More State Tax Dollar Funding.
FILED WITH: CALIFORNIA ATTORNEY GENERAL'S OFFICE, & ATTORNEY GENERAL JERRY BROWN
11-3-09 Oceanside Detective Michael Brown Misconduct & Criminal Compliant For Obstruction of Justice
FILED WITH: OCEANSIDE POLICE DEPARTMENT, SAN DIEGO COUNTY DISTRICT ATTORNEY, CALIFORNIA ATTORNEY GENERAL'S OFFICE, & FEDERAL BUREAU OF INVESTIGATION
Oceanside Sgt. Aaron Doyle Misconduct & Criminal Compliant For Obstruction of Justice
FILED WITH: OCEANSIDE POLICE DEPARTMENT, SAN DIEGO COUNTY DISTRICT ATTORNEY, CALIFORNIA ATTORNEY GENERAL'S OFFICE, & FEDERAL BUREAU OF INVESTIGATION
Oceanside Chief Frank McCoy Misconduct & Criminal Compliant For Obstruction of Justice
FILED WITH: OCEANSIDE POLICE DEPARTMENT, SAN DIEGO COUNTY DISTRICT ATTORNEY, CALIFORNIA ATTORNEY GENERAL'S OFFICE, & FEDERAL BUREAU OF INVESTIGATION
Portions of the bribery money are then donated by the unions and their members, back to elected officials for campaign financing, election fraud protection, and public corruption cover up. The Mafia never had protection as good as the first responder public unions in California.
As Reported By GTI News Photo:
OCEANSIDE POLICE & FIREFIGHTER PUBLIC UNIONS ELECTION FRAUD & EVIDENCE TAMPERING CONSPIRACY TO EXPAND PAY AND BENEFITS
DA DUMANIS $20 MILLION DOLLAR EVIDENCE TAMPERING CONSPIRACY IN MURDER CASE LINKED TO OCEANSIDE POLICE EVIDENCE TAMPERING & ELECTION FRAUD COVER UP
SENIOR ASSISTANT ATTORNEY GENERAL GARY SCHONS RESIGNS UNDER SAN DIEGO PUBLIC CORRUPTION COVER UP COMPLAINTS
CALIFORNIA ATTORNEY GENERAL / GOVERNOR JERRY BROWN PUBLIC CORRUPTION COVER UP TO PROTECT HIS UNION CAMPAIGN FINANCE MONEY
THE PUBLIC CORRUPTION SYSTEM PROTECTION
The criminal court system, complaining of too many cases, is happy to get rid of all of the citizens based criminal insurance fraud cases, so the courts ignore the criminal scheme. The now heavily overburdened civil court systems, with some cases that appear to be frivolous, prompts an out cry from legislators to further limit citizens civil litigation rights. Civil rights that are the only remaining legal recourse left to a citizen, even for criminal insurance fraud.
As Reported By GTI News Photo:
SAN DIEGO DISTRICT ATTORNEY PUBLIC CORRUPTION COVER UP THRU CIVIL LITIGTION
They say California leads the nation, so it is highly probable that this public criminal corruption, is also operating in other states. Tens of thousands of California Citizens are criminally defrauded by Insurance Companies every year. Thousands of San Diego Fire victims from the 2003 and 2007 wild fires either lost their insurance benefits, or they are still fighting with their insurance companies in 2010, to collect insurance benefits.
INSURANCE COMPANY FRAUD SCHEME "CONTROLLING LOSS SEVERITY"
The insurance companies use a method of criminal insurance fraud conspiracy so well known in the insurance industry, it has it own name, "Controlling Loss Severity". Large legitimate claims are investigated just enough, to find an excuse, for denying, or reducing the value, of the claims benefits. All policies have fine print, generic exclusions designed by attorneys, and taught to adjustors, to provide foundation for denial of benefits on any claim. Insurance Companies know that approximately ninety percent of those policy holders receiving denials will walk away, because they either don't know their claim is legitimate, or they cannot afford to hire a civil attorney and litigate.
The money saved by insurance companies, by defrauding 90 percent of legitimate claims, is partially used to pay the cost of civil litigation on the remaining 10 percent, with substantial profits left over. The insurance companies have no fear of criminal investigations, or prosecutions, because of the Special Funding Grant money bribes to DA's. The "Blue Wall" of the Badge, protects all law enforcement agencies from criminal investigations and prosecutions for obstruction of justice. Most police officers and DA's are probably not even aware of the criminal scheme, and how it works. They simply protect the DA's and police officers obstructing the complaints because they wear a badge.
How The "Blue Wall" Cover Up Support Works
Complaints to DA's or other state agencies like the California Department of Insurance are simply ignored and suppressed, because the criminal corruption involves the criminal bribery of District Attorneys state wide.
Notification Of Obstruction Of Justice To DA Bonnie Dumanis.
2nd Notification Of Continuing Obstruction Of Justice To DA Bonnie Dumanis.
DA Letter Confirming Secret Funding Grants to District Attorney Insurance Fraud Divisions In San Diego.
The result is, all citizen criminal insurance fraud complaints against major insurance companies are blocked and suppressed by District Attorneys to protect the cash flow from the Special Funding Grants. Special Funding Grant tax dollars puts more money in the County Government systems to support DA and public union pay and benefit packages. The criminal scheme reduces the number, and cost of criminal fraud investigations, freeing up more money for the public union contract negotiations. Most importantly for DA's, the statistics for successful prosecutions, and lower crime rates are pure gold for DA's running for re-election, or for other higher offices.
The complaint obstruction practice is passed down to local law enforcement agencies, and each protects the other from criminal complaints from the defrauded citizens. The insurance companies make hundreds of millions from the scheme. The California DA offices get hundreds of millions to support union pay and benefits. The civil attorneys get rich on the civil litigations, with a continuing line of new client. The police get reduced work loads, freeing up more money for union negotiations, and the citizens pay through the nose for all of it. The citizens lose their homes, income, savings, and sometimes their lives, while the public agencies and their employees get rich on the corruption. It's the perfect public corruption criminal scheme.
When the DA's offices cannot get rid of a complaining citizen, the citizen is told they must file the complaint with their local police department, with the DA's knowing the police will obstruct the complaint. The police then coerce the citizen to drop the complaint, and once again citizens are pushed to hire a civil attorney. Complaints to the District Attorneys office about police obstruction of the complaints are just ignored. The state Attorney Generals, and even the FBI are not interested in hearing about public corruption involving large numbers of police and DA's that wear badges.
As Reported By GTI News Photo:
California Attorney General Brown Covers Up Insurance Fraud Scheme
Attorney Generals Office Union Money Protections
Public Corruption Investigations In San Diego County Linked To Union Money Expansion
California Department of Insurance Public Corruption Support
The same State criminal back door agreements exist with the insurance fraud investigation divisions of the California Department of Insurance, a so called consumer protection agency. CDI fraud investigation offices state wide, will not accept, or investigate, criminal insurance fraud complaints from citizens, against insurance companies. The CDI investigators, like the DA fraud investigators, only investigate citizens based on complaints from insurance companies. The CDI administers the criminal fraud payments to the District Attorneys, at the same time they are obstruction complaints against insurance companies.
ACCORDING TO THE STATE AND FEDERAL PENAL CODES, IT IS ALL CRIMINAL CORRUPTION, BY PUBLIC AGENCIES, FIRST RESPONDERS, AND THEIR UNIONS, ALL OF WHICH DIRECTLY FINANCIALLY BENEFIT FROM THE CORRUPTION AND IT'S COVER UP, AND THEY PROTECT EACH OTHER FROM INVESTIGATION. TALK ABOUT ORGANIZED CRIME & RACKETEERING.