Former funeral director sentenced for false services claims


Former funeral director sentenced for false services claims
BLUEFIELD, W.Va. –  A former West Virginia funeral director who filed false insurance claims for services for clients who were still alive has been sentenced to a year and a month in federal prison.
Sixty-one-year-old Joel L. McGuire of Alderson was sentenced Tuesday for wire fraud in federal court in Bluefield.
McGuire was the director of Broyles-McGuire Funeral Home in Union in Monroe County. Prosecutors say he sold insurance policies to pay for clients’ funerals upon their death. In 2012, McGuire submitted an insurance claim that he provided a funeral that cost more than $3,300 even though the client was still alive.
Prosecutors say the insurer reimbursed McGuire for the claim. He also admitted receiving more than $50,000 for other false claims for clients who had not died.
McGuire was ordered to pay full restitution.
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Would you ever commit insurance fraud?


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Would you ever commit insurance fraud?
Would you ever commit insurance fraud?

Primary and Secondary Health Insurance?
This has been a big complication for a few months, but back in October of 2008, I had a physical exam and my provider billed, what I assumed at the time, my primary insurance company (Horizon NJ Health). However, two years later, Horizon took back that money and my provider has been billing me for that physical back in 2008. I called Horizon and apparently they took back the money because I had another health insurance, and Horizon was no longer my primary. I had not known about my other health insurance company, Aetna student health care, since they never gave me any information or membership details, and I was automatically enrolled for it when I entered my university. When I contacted Aetna, they told me that they weren’t the primary insurance company because they were just student health care. After several phone calls back and forth between Aetna and Horizon… I STILL haven’t figured out who my primary insurance company is since they both claim to be the secondary insurance (and they seem to have endless reasons why the other is primary). I contacted my provider and asked them who they have listed as my primary, and they seem to be clueless about it too (when I spoke to the receptionist and asked, they kinda changed the topic). Is it possible to have two secondary insurance? If not, who should be my primary insurance? If Horizon is my primary, doesn’t that mean they shouldn’t have taken the money back for the physical exam?”

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Malpractice Insurance Rates?
I am talking about a reconstructive surgeon who is just starting his practice. And I am talking about private practice.

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Should I lie on income to get better insurance?
Ok so I live in a state that has declined the expanded medicaid. Which means I get neither medicaid or any assistance with federal marketplace at my income. I am going to fall $2000 shy of the minimum necessary. I am not one to break laws or take a hand out, my wifes health is very bad after a messed up c – section that 3 surgeries since and she still isn’t able to stand or lift. I do have a plan through my job but it doesn’t qualify as insurance under the affordable care act. I pay $3200 a year for $4650 max paid out. I am left with $115 after a doctor visit, they pay a max of $75 towards ER visit. So you can understand why I want decent coverage. To get a private plan will cost me over $600 per month which isn’t possible on our income. TL:DR —– Would it be wrong to add income I don’t have to qualify for a federal marketplace plan? (Yes I know I will pay more tax but small price to pay so I don’t go bankrupt on medical bills)”

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I am looking for a good team name for an insurance agency.?
we are selling insurance products, estate planning and other financial products.”

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Parents: Do you have life insurance?
I know this is personal and you don’t have to answer if you don’t want to. I have the basic life insurance through my employer. I think it’s only $5000-$10000 which is barely anything. Which company do you have life insurance through? If you don’t mind me asking how insurance coverage do you have? Do you pay a lot for it each month? Is there a place on there to leave your children as a beneficiary if something happens to both you and your spouse? I get so afraid of something happening to us and Colten having nothing except our debt.

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Mobile home insurance?
Will a mobile home that does not meet the wind zone construction standard be covered by insurance companies?

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Auto insurance fraud..how much trouble am i looking at?


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Auto insurance fraud..how much trouble am i looking at?
i don’t need to be judged..I made a dumb decision which could have resulted in me losing my life and im lucky i didn’t. anyways here goes..so a supposed friend of mine told me she couldn’t wait to teach me to drive..i told her i didn’t want to drive until i got my permit. well after telling me that she pulls over and asks if i want to drive..i tell her no..she keeps pushing telling me she thinks i’d be good at driving and eventually after saying no 8-10 times i give in and we switch..i continued up the road and i made the right and i was maknig another right and i lost control and ended up on the sidewalk and crashed into a pole..airbags exploded and all..when immediately got out of the car and I asked her what we were going to do and she said to me so help me god if i lose my license and again i said what are we going to do? she said were going to say i was driving..we got ran off the road by a red truck..when the cops came i stuck with the same story she did and we went to the hospital and all..this happened a month ago..the vehicle was totaled and she collected money from the accident. I however felt so guilty i went and turned myself into the police and told them the truth about everything. the cop that was at the accident is who i spoke with..i filled out a witness report and the cop said that he was really glad that I came forward with the truth and that she would be in much more trouble than I and that he planned to take it easy on me since i came forward about it and because i am a mom..he said the most i will probably get is my license suspended..i am still waiting to get anything in the mail and i’m so nervous bc i don’t know if i can get in worse trouble and was wondering what other people thought..honestly the whole thing has scared me from ever wanting to drive again and even though i wasn’t the victim i really felt like it for days after the accident..i was very distraught..and i’m scared even being a passenger in a car now..i watch everything and get very scared fast. Can i get in trouble with the insurance company? I didn’t give them a statement. I just told them about me going to the hospital and stuff..my supposed friend actually gave them the statement..they sent me a bunch of paperwork in the mail to have me mail back in so they could cover medical expenses but i never sent the stuff in or filled it out bc i didn’t want the insurance company to pay for something that was my fault. I live in pa and i guess im just wondering how much trouble i can get in? or if i should be okay because i came forward with the truth.

Why is auto insurance through Geico so cheap?
I’ve been shopping around for car insurance and I am surprised at the quoted price of Geico in comparison to most other companies. Geico is much cheaper than my current insurance company, and many other insurance companies. How can they offer such cheap rates, especially with all of the advertising they do? Are people having difficulty getting money out of Geico when they make claims? It just seems odd to me that they can offer such low rates.”

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Which is the best health insurance plan in India?
Which is the best health insurance plan in India?

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Can anyone tell me about Motor insurance card systems?
Are they still in practise? i cant seem to find anything from after 2008????

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Pit Bull insurance in Ohio….?
I called State Farm already and they will not cover pit bulls in Ohio. Thanks for your help though. I seriously have called I think everywhere. A lot of homeowners insurance say they will drop you if they find out you have a pit. I just dont get it because the law is you have to have it, but yet no one will cover them. Chances are I will get struck by lightning before my baby ever attacks anyone!!! If anything my mini yorkie is the one i have to watch out for.”

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Could this be health insurance fraud?


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Could this be health insurance fraud?
Hi, I over heard someone that I know talking to their Significant other, and one implied to the other that the guy I know is letting his mother use his health insurance for something, I’m not sure what. What could someone be doing, across state lines with their son’s health insurance? Should I report this? Who would I report it to? I could probably figure out what insurance company it is. Thanks for any input.

Is getting the cheapest possible car insurance a good idea?
Like SafeAuto.

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Which Insurance Company?
I dont think people understood the question properly, or i might have worded it incorrectly. What i wanted was for some people around my age to tell me which company they found to be cheap.”

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What is the best car to buy with cheap insurance for a 17yo? ?
as above, UK only thanks in advance ”

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“My insurance won’t cover Adderall, or generic versions?”
I’m only 16 so I don’t quite understand how this works yet. I was prescribed Adderall XR 10mg for my ADD about a week ago. Apparently, my insurance doesn’t cover it. We still had to pay $154 for just a one month supply of a generic brand. We just received a list of other generic versions of adderall that would be cheaper, but they’re still quite expensive and my family cannot afford the medication. I have a really difficult time focusing and it’s been causing me severe depression and anxiety for a long time, so the fact that my insurance doesn’t cover this medication is really upsetting to me. My friend who has ADD gets brand name Adderall quite inexpensively every month because their insurance covers it, and neither of his parents are employed. I’m guessing that government healthcare covers the cost? Ugh…. I’m just tired of being unhappy”

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Best car insurance?
Hi! Im 17 and I’m most likely getting a Mustang Mach 1 as a first car and I wanted to know what Insurance Company would be best for my situation. I’ve been hearing that Liberty Mutual is really good but I’m not entirely sure. Thanks!

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Can an ambulance service be sued for not giving me the correct information for billing my insurance?
When I got my bill it was $11,000 I asked why my insurance did not cover any of it, the ambulance service told me they did not take insurance. When what he really meant was that my insurance was not a provider to their company. I just found out that due to the fact that it was a 911 service it should have been covered to some extent no matter what. The reason I found out about this is because another 911 service took place and I was not going to let it go that easy because a friend told me that they have to except my insurance when it’s a 911 service.”

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“First car! help with car insurance,tax&other stuff please ?? uk owner?
smart car 2 seater white and silver 2010 reg how much would it cost to tax and insure female driver at 17 year old? best place for insurance ?? is it worth getting a black box installed into the smart car ?? if so how much do the cost on average? where is cheapest place to get break down cover ?? what over things do i need to consider on my first car? how much does a smart car cost to fill with fuel in uk?? would love some help if possible kind regards mia xxx 😀

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While reverse parking I hit my bumper with a heavy thing and spoiled my bumper will it be covered by insurance?
While reverse parking I hit my bumper with a heavy thing and spoiled my bumper will it be covered by insurance?

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How much would insurance be for a 16 year old driving a 1988 lincoln towncar?
How much would insurance be for a 16 year old driving a 1988 lincoln towncar?

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How much would insurance cost on average for Nissan Skyline?
How much would insurance cost on average for Nissan Skyline?

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Insurance Fraud? Help!?


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Insurance Fraud? Help!?
A couple days ago I was driving to a doctors appointment, I was rushing and very nervous. I got to a road that was closed where I had to back up. I looked behind me and saw no cars. Then I started talking to my mother who was in the car about if the road was closed or just partly blocked off. I looked in my mirrors and started to back up, somehow I must have missed the car that was very close behind me. I barely tapped the bumper, my mom didn’t even realize it happened that’s how slight the tap was. The woman immediately jumped out of her car and started screaming and cussing like a maniac. The police blocking the road even noticed and had to come over to control her. There was no damage to my car or hers, however she was driving a 92 buick and it was a piece of junk. I was worried she’d try to get something out of the whole thing so I took pictures of everything. This must have made her angry and she started trying to take pictures of my mother and I as well as bird poop on my car? Today I got a call from her insurance agency, saying she claimed injuries, a cracked windshield, and a messed up bumper. I am so angry! I know I did not do any damage, much less injure her! I’m a collage student and really can’t afford my rates going up because of this. I called my insurance company and sent them pictures. They are trying to investgate. Anyway, has anyone else experienced something like this? How do these things usually turn out? Is this insurance fraud on her part?

Has anybody had Northern Neck Home owners or car Insurance are they good ?
Im thinking about changing insurance and they gave me real good quotes but i have never heard of them

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Motorcycle insurance question?
I want to get a Yamaha V Star 250 when I turn 20. What would be the average loading percentage for 20 year old with a 250cc bike and a clean driving record? Also will I need third party and third party fire and theft or is it optional??? And what would the NCD% (no-claim discount) be????

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Low car insurance rate??
hello i’m an 18 year old guy i passed my DMV tests and should be getting my license in the mail anytime I LIVE IN TEXAS. I have a 1999 Ford f-150 Black Truck and since i’ll be hitting the mean streets soon, i need insurance of course. i AM trying to find a much cheaper one, if you’ll say but keeps me legal but for less. Oh and I am a senior in high school so yes I’ll be having an after school job so I guess you can say I don’t make much….. please help”

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What is the best affordable car insurance for young adults?
I just got a car and wanted to get insurance on my car but dont want to pay a lot of money for it. what do you recommend?

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Should I buy a used 2014 Mustang GT Premium?
I posted this a couple minutes ago but I messed up alittle. I’m 16 years old, I have a job. I make about 2k a month and I have about 5k saved up and I was thinking about buying a used 2014 mustang 5.0 premium. I can make the monthly payments and my parents can pay for insurance. I’m a sophomore in high school and I want to have it paid off before I graduate. should I do this.i have a 3.5 gpa and I plan to go to college for should. I just don’t know what I want to be yet. I have my money in the bank and it’s already building interest. Just give the pros and cons or just tell me if I should do this financially or not (No comments about how ford is gay or I can’t handle the horsepower) Here is the link to the two that I’m looking at

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Need cheapest car insurance company in Alberta?
I’m 16 and I just bought a car. It’s a 1998 Chevrolet tracker and I’m trying to find the cheapest insurance company. I just need liability and nothing else. Anyone have any suggestions?

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Insurance card and bill?
I signed up for healthcare with assistance from an agent online last week. When can I expect an insurance card and bill?

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Whole Life Insurance Advice – Do not Get Churned; Do not Get Twisted

Whole life insurance advice: There are two types of whole life insurance fraud carried out by unscrupulous agents you should be aware of. They are termed churning and twisting. What are they are how can you get help if you're a victim? Make sure you know these before you get scammed!

Churning is the fraudulent practice where an agent tricks a whole life insurance policy holder to drain an existing life policy to fund a new one with the same insurer. The agent does this by withholding pertinent information from the insured.

Closely related to this is twisting. This is basically the same thing with churning with the only difference being that the agent makes the policy holder drain an existing policy to buy another from another insurer and not the same insurer.

Be very careful of that agent who has promised you that you could get more coverage with no extra premiumss if you turn in your existing whole life policy. It's a scam so beware.

People who've been so scammed usually get bills for new premiums after they've unknowingly exhausted the cash value in their older whole life insurance policy. This usually happens within a year or two.

Now is there anything you can do if you've been so scammed? Is there also a way you can honestly get more coverage without paying more premuims? Yes, there's help if you've been scammed. I can, however, only show you how to get more coverage without increasing your current premium.

For those who've been ripped off, you can get help from your state's department of insurance or its equivalent. Visit their website or office and you'll get help on what to do.

Many insurance companies have also shown a readiness to compensate victims of such fraudulent transactions. You just have to contact their main office directly and not a branch.

You can pay less for more coverage if you shop right. Yes, the difference in rates between insurance companies for comparable coverings could be as high as $ 2,000 and more. So by getting an insurer that favors your profile more, you can get more coverage for less. Start now by getting as many life insurance quotes as possible.

Whole Life Insurance Advice – Do not Get Churned; Do not Get Twisted

Whole life insurance advice: There are two types of whole life insurance fraud carried out by unscrupulous agents you should be aware of. They are termed churning and twisting. What are they are how can you get help if you're a victim? Make sure you know these before you get scammed!

Churning is the fraudulent practice where an agent tricks a whole life insurance policy holder to drain an existing life policy to fund a new one with the same insurer. The agent does this by withholding pertinent information from the insured.

Closely related to this is twisting. This is basically the same thing with churning with the only difference being that the agent makes the policy holder drain an existing policy to buy another from another insurer and not the same insurer.

Be very careful of that agent who has promised you that you could get more coverage with no extra premiumss if you turn in your existing whole life policy. It's a scam so beware.

People who've been so scammed usually get bills for new premiums after they've unknowingly exhausted the cash value in their older whole life insurance policy. This usually happens within a year or two.

Now is there anything you can do if you've been so scammed? Is there also a way you can honestly get more coverage without paying more premuims? Yes, there's help if you've been scammed. I can, however, only show you how to get more coverage without increasing your current premium.

For those who've been ripped off, you can get help from your state's department of insurance or its equivalent. Visit their website or office and you'll get help on what to do.

Many insurance companies have also shown a readiness to compensate victims of such fraudulent transactions. You just have to contact their main office directly and not a branch.

You can pay less for more coverage if you shop right. Yes, the difference in rates between insurance companies for comparable coverings could be as high as $ 2,000 and more. So by getting an insurer that favors your profile more, you can get more coverage for less. Start now by getting as many life insurance quotes as possible.

Idiot Funny Bmw car crash hitting #9 2017 new


Idiot Funny Bmw car crash hitting #9 2017 new
This is educational series that is all about car crashes, instant karma, roll over accidents, insurance fraud, close calls, and more. If you’re into insane dash cam footage, crashes, fails, and more, this is the video for you. Enjoy, you’ll be addicted!

Idiot woman Road Rage car crash failed #56 2017


Idiot woman Road Rage car crash failed #56 2017
This is educational series that is all about car crashes, instant karma, roll over accidents, insurance fraud, close calls, and more. If you’re into insane dash cam footage, crashes, fails, and more, this is the video for you. Enjoy, you’ll be addicted!