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 'Ted' Theodore Lewis Whidden

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     Exposing Fraud and Deception to protect the public good.

    www.frauddocumentation.com     www.frauddemonstration.com    www.frauddevelopment.com  

Feature "Suspected " Fraud: Tower Group Insurance

An incident occurred on Sunday, August 29, 2010 only 5 minutes in to the day (just after midnight Saturday night) involving what appears to be a run-away 18 wheeler at a very high rate of speed (anticipated to be at/near 100 mph) that slammed in to a law abiding driver's vehicle.  The victims in the accident were towing a trailered vehicle.  Misrepresentation and fraud appeared to be present at the wreck/scene wherein the driver of the 18 wheeler Frank R. Delgado (Yera) gave false evidence of insurance coverage at the scene.  Delgado was driving a truck said to be owned/operated by Osmar Oliva Fraud at the scene was followed by poor investigation of the loss.  Meanwhile, the insurance company DENIED liability in the high speed rear-end collision, and lied repeatedly about their reasoning behind it.  When advised that they were operating in bad faith and committing fraud they ignored the advices. The CEO and home office of the parent company (Tower Group) was involved.  The CEO Michael Lee of Tower Group apparently had someone respond and endorse the behavior on his behalf out of New YorkThe respondent Lowell Aptman backed/endorsed the unlawful behavior of the claims personnel operating under the guidance of John R. Pecoraro of Tower Group/CastlePoint from their Miami office.  At the time Pecoraro was working at what appears to be some form of shell of protection for the parent company, but since Pecoraro has been promoted to a position over all claims activity for the state.  

Pecoraro, Michael Lee, and others were advised of the fraud.  The unlawful behavior continued.  Filings to the state agencies are seen at the right side bar of this page.  They continued filing what appears to be deceptive filings to the State Commissioner of Insurance in Florida, and placed the deceptions (fraud) in the U.S. mail, thus committing Federal Mail fraud.  This not only looks to me like a premeditated process and way of doing business, it looks to me like a corporate pattern or culture of fraud.  Following numerous notifications in writing acknowledged by Tower Group, it seemingly indicates they knowingly, willingly, and purposefully committed the acts, and advocate abuse of the legal system it appears by insisting the only course of action is civil litigation.  Legal filings (See right of this page) in the Florida system have been initiated and additional filings in Florida, New York, and Federal courts are anticipated.  Evidences to support the loss are contained herein, with links to much of the pertinent information on the Internet. 

As the website www.FraudDocumentation.com is further developed additional documents and correspondences will be made public. 

A chronology of these and related events can be found at: CHRONOLOGY

The victims of the crash were abused physically at the crash scene by the horrific event, and have been insulted, abused, and lied to by the claims personnel since the event.  They continue to press on with substantial permanent and personal damages.  The tactics of the Tower Group family of companies appear to offend virtually every legal code within the state of Florida.  It seems a matter of their course of business, because thus far a filing has been made against everyone who has touched the file on behalf of the group.  Class action litigation may be in order, with state, interstate, and federal investigations warranted.

Multiple state filings or "Civil Remedy" filings have been made pursuant to Florida State Law (See links right and links to personnel.  Additional links and information to be released).  The Florida state system for these filings requests victims wait 60 days for the violator/insurance company to attempt to address or resolve the issues.  Thus far multiple filings have attracted nothing but ridicule and abuses from the claims manager PecoraroPecoraro has stooped as low as making fun of what was considered  a deaf, mute, comatose victim of the crash, and continues his stance and approach using fraud, attempted fraud, and numerous tactics appearing to operate in "bad faith".  His staff members have been sent copies of Florida Insurance ethics code and Florida Insurance Law, because they do not seem to operate with knowledge of this code.

Rather than mitigating losses for his client company Pecoraro has drastically increased their exposure.  Fraud typically has no statute of limitations, no limit of liability, and the violations committed by the offender in no way affect the loss itself.  Tower Group and CastlePoint still remain liable, but their exposure seems to have mushroomed to cover all their companies, subsidiaries, directors and stocks.

CastlePoint/Tower Group utilized what now appears somewhat like a "shell company" called Aequicap to handle their claims.  Aequicap appears to have gone in to bankruptcy in Febuary 2011, and Tower Group appears to have taken over their book or business, AND hired the claims handlers who had already been reported to Tower Group for their behavior.  Since the frauds and notifications of fraud and fraudulent dealings, Tower Group has hired and promoted the people whom had previously committed these acts under their employ.  The behavior continues (apparently) with the full knowledge and oversight of the Board of Directors and parent company, Tower Group.  It looks like a pattern of business and their corporate culture.  The victim went to New York and notified the General Counsel (Elliot S Orol) and other board members and directors.  They have failed to respond.

May 2011 ethics and code of conduct investigations requested via CPCU, SCLA, DBPR, Attorney General, District Attorneys, and the State of Florida regarding John R. Pecoraro and his endorsements.

For the many violations and obvious failures of CastlePoint and Tower Group to address these issues we have decided to feature this loss as our opening "feature" company.

 

 

Following this venture, www.FraudDocumentation.com will be available for franchise opportunities or be "for sale" to someone wishing to develop the concept further.

What's  New (Florida filings)

168836 11/1/2010 WHIDDEN FRANK R. DELGADO YERA / OLIVA DELIVERY SERVICES AEQUICAP INSURANCE COMPANY
169110 11/5/2010 WHIDDEN FRANK R DELGADO YERA OLIVA DELIVERY SERVICES CASTLEPOINT FLORIDA INSURANCE COMPANY
171915 1/3/2011 WHIDDEN FRANK R DELGADO VERA OLIVA DELIVERY SERVICES AEQUICAP INSURANCE COMPANY
171916 1/3/2011 WHIDDEN FRANK R DELGADO YERA OLIVA DELIVERY SERVICES CASTLEPOINT FLORIDA INSURANCE COMPANY
175575 3/7/2011 WHIDDEN OLIVA TRUCKING/FRANK DELGADO AEQUICAP INSURANCE COMPANY
181904 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK R DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181906 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181908 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181912 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181913 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181916 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO AEQUICAP FINANCE PARTNERS, INC.
181919 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO AEQUICAP FINANCE PARTNERS, INC.
181923 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
181926 6/3/2011 WHIDDEN OSMAR OLIVA/FRANK DELGADO OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181928 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181931 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
181933 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181934 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181935 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181936 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181938 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181941 6/3/2011 WHIDDEN OSMAR OLIVA/FRANK DELGADO OLIVA DELIVERY/TRUCKING CASTLEPOINT FLORIDA INSURANCE COMPANY
181942 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK R DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181943 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181944 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181945 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181946 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
181947 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
181948 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181949 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT INSURANCE COMPANY
181950 6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181952 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
181953 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181954 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181955 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181956 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
181958 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT INSURANCE COMPANY
181959 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT INSURANCE COMPANY
181961 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO CASTLEPOINT INSURANCE COMPANY
181962 6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
181968 6/5/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO TOWER INSURANCE COMPANY OF NEW YORK
186967 8/29/2011 WHIDDEN FRANK DELGADO OLIVA DELIVERY/FRANK DELGADO-YERA CASTLEPOINT FLORIDA INSURANCE COMPANY
190510 10/25/2011 WHIDDEN FRANK R DELGADO OLIVA DELIVERY CASTLEPOINT FLORIDA INSURANCE COMPANY
192160 11/15/2011 WHIDDEN FRANK DELGADO- YERA OLIVA DELIVERY/OSMAR OLIVA CASTLEPOINT FLORIDA INSURANCE COMPANY
192789 11/22/2011 WHIDDEN FRANK R DELGADO YERA OSMAR OLIVA/OLIVA DELIVERY CASTLEPOINT FLORIDA INSURANCE COMPANY
193820 11/30/2011 WHIDDEN FRANK R DELGADO - YERA OLIVA DELIVERY SERVICE/OSMAR OLIVA TOWER INSURANCE COMPANY OF NEW YORK
193872 12/1/2011 WHIDDEN FRANK R DELGADO YERA OLIVA DELIVERY SERVICE/OSMAR OLIVA CASTLEPOINT FLORIDA INSURANCE COMPANY

 

 

 

 

 

 

 

 

 

Supreme Court ruled unanimously written by Judge William Rehnquist concerning Hustler Magazine v Jerry Falwell

"At the heart of the First Amendment is the recognition of the fundamental importance of the free flow of ideas and opinions on matters of public interest and concern. The freedom to speak one's mind is not only an aspect of individual liberty and thus a good unto itself but also is essential to the common quest for truth and the vitality of society as a whole."

Supreme Court Judge Scalia wrote concerning Pope v Illinois

"Just as there is no use arguing about taste, there is no use litigating about it."

Copyright May 2011, All rights reserved by Ted Whidden

www.frauddocumentation.com     www.frauddemonstration.com    www.frauddevelopment.com

Key Milestones (Go to "Correspondence")