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'Ted' Theodore Lewis Whidden

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     Exposing Fraud and Deception to protect the public good.

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Florida Filing 191968

Aequicap and Tower Group

On December 15, 2010 Monica Sturm from a position at Aequicap ([email protected]) posted a response to Civil Remedy filing #168836.  That message contains what appears to be fraud, attempts at fraud, mail fraud and deceptive practices.

On February 23, 2011 Monica Sturm ([email protected]) from a position at Tower Group copied and pasted a rough copy of John Pecoraro's letter to the Civil Remedy system online.  The letters from Pecoraro are part of an ongoing plot of deception, misdirection, misrepresentation, to avoid liability in a horrific traffic incident.  The filings on the Civil Remedy system (#171916, #171915, #169110) evidence Monica Sturm accessing the system and reposting for Pecoraro's apparent frauds.  Since Pecoraro's frauds are state and federal, Ms Sturm appears party to the plot while at both Aequicap and Tower Insurance as evidenced in the Florida Public information system.

In Sturm's postings listed above she refers the reader back to what might be considered the original Aequicap filing, which contains elements of fraud (DFS #168836).

Note:  Ms. Sturm appears to have made the transition from the claims handling company (Aequicap) to the parent company (Tower Group).  Thus far it appears that everyone at what appears to have been a "shell company" have made the transition to the parent, making them appear to be one and the same.

Note: Mail fraud is covered by Title 18 of the United States Code, Chapter 63, and is subject to Federal Law.

If Monica Sturm has or does not have a law degree and/or is affiliated with any state bar or legal organization we reserve the right to pursue her personally, professionally, and corporately for her involvement, actions, inactions, or knowledge and activities revolving around the file/loss/claim referred to above.  If Monica Sturm has an insurance license in any state we reserve the right to pursue her on ethics violations because of her knowledge and/or involvement in the criminal activities of her organization.  It appears she is operating as a agent to someone with an adjuster license (Pecoraro?).  As such, she is party to that person's violations.  As one will see the Florida state insurance ethics requires that anyone in an insurance organization must reveal and report any and all unlawful or criminal activity with which they have knowledge otherwise they become party to it themselves.  This type and style of ethics violation appears to extend to all parts of the organization, and we reserve the right endeavor to make them aware of their potential involvement personally, professionally and corporately in this type incident.

In the posting made by Monica Sturm is a copy/cut/paste of a version of a letter alleged to have been written by “Very Truly yours, John R. Pecoraro

, CPCU, SCLA AVP Claims”.  In Pecoraro's letter he commits multiple frauds, attempts at fraud and in his efforts to sidestep liability in a rear-end collision he steps in to what may constitute criminal mischief in an unwinnable situation.  Pecoraro and his office was advised as early as 17 September 2010 that the lack of good faith, frauds, and attempts at frauds would likely serve to inflate the damages and financial impacts to the company and their clients.  Pecoraro not only failed to heed and address these advices, the December 15, 2010, and his February 23, 2011 filings have served to entrench his unlawful stance and exacerbated any attempt to resolve the loss/claim.  Ms. Sturm by way of her involvement is party to Pecoraro ’s frauds and criminal activity.  A slice of Pecoraro’s criminal activity will be partially addressed in a Civil Remedy filing of this day as we prepare to pursue him personally, professionally, and corporately for his direct involvement in conducting, implementing, and or training these criminal activities and corporate behaviors.  By way of these public filings we reserve the right to advise any and all potentially interested parties in the actions, inactions, and activities connected to these pursuits.

Monica Sturm’s posting serves to involve her personally as if she wrote the letter referred to herself.  The actual letter and the posting of Ms. Sturm contains what appears to be multiple attempts at fraud and fraud itself can be clearly demonstrated using this letter set.  This will likely constitute fraud filed in their state filing by herself and the person who wrote the letter.  According to Florida ethics, it will make everyone within the organization who knows of the letter party to the crimes.  We reserve the right to help make them aware of the contents of the letter and the subject file in an effort to get things moving along at a more brisk pace towards resolution.

This notice serves to advise Monica Sturm and all those who are under Pecoraro's tutilege, employ, and affiliation they are equally responsible in his acts and omissions leading to fraud, including the fraud itself.  They are mandated under Florida Insurance ethics to report any and all unlawful or criminal behavior or they accept full responsibility for being party to the violation.  In the filing of 171916 and the filing 168836 to which it refers it is anticipated multiple frauds and attempts by the insurer will be revealed.  By way of connection Ms. Sturm is held responsible as is her superiors and department for these violations as well.

Noted in Ms. Sturm’s 2/23/2011 filing it is stated that “our review of this claim and the responses to Mr. Whidden’s myriad of complaints have been handled by the undersigned…….”  Whereas the letter states there is a “myriad of complaints” by myself, please understand all my complaints are valid and can be demonstrated just as the “myriad” of violations and criminal acts by the insurers and/or their agents.  By way of the “myriad of complaints” we had hoped that either their frivolous statements, claims, and stance would be modified, or their criminal activity would be solidified.  They have graced us with the latter and clearly demonstrated the criminal side and the corporate culture of deception subject of our other Civil Remedy filings of this day and days leading to this.  Mr. Pecoraro and Ms. Sturm’s filings have placed their principles in an unwinnable situation in which attempts at fraud and fraud itself have been implemented in their routine and repetitive handling of claims FOLLOWING NOTIFICATION that this behavior was noted.   This is clearly a good faith handling issue, and the violations mount from there.  Ms. Sturm and all those within the organization MUST be party to these violations by way of the ethics rules.  Further if the people within the organization claim no knowledge of this behavior it demonstrates their lack of training.  Lack of awareness does not absolve them of the obvious deceit and crimes of the organization with whom they are employed. 

It is noted in the Monica Sturm’s quotes within her filings are not always verbatim quotes so the literary license or whatever right she has assumed in any form of modification of the document will also be examined.

Sturm’s involvement from what appears to be a Tower Group email address will serve as a direct tie to the parent organization responsible for this type and style of activity and criminal conduct.

To further complicate or implicate Monica Sturm and her cohorts, we note that on 4/19/2011 [email protected] filed a response on Civil Remedy filing number 175575 of the Florida Civil remedy system.  A "problem" arises herein because a specific request of Aequicap information is made of the company Aequicap (which is in bankruptcy/liquidation).  The response coming from Tower Group which is the parent company of CastlePoint on behalf of a failed affiliate seems suspect.  Ms Sturm and her boss (John Pecoraro) continue their attempts to misdirect information, and are now party to the fraud of their client.  They are attempting to conceal the fact that improper insurance information (fraud) was attempted at the accident site by the driver of the truck (Providing false insurance verifcation).

Additional information, correspondence, etc on this case is being made accessible on the website, www.FraudDocumentation.com .

To this point it seems that every Civil Remedy Filing we have made (and there are a "myriad" of them according to some) has been responded to by the claims manager John R. Pecoraro who is clearly dishonest and incompetent as has been demonstrated in previous filings wherein the simplest of details such as day, date and time are confused by him 9 months after the wreck.  Pecoraro is clearly guilty of knowingly and willingly committing fraud as a course of his normal behavior and sticking to his frivolous and devious stance once it is revealed.  John Pequeno is clearly a toxic asset to the claim and potentially to the companies he works for.  His continued involvement after his introduction (October 8, 2010) is clearly bad faith claims handling, and shows lack of good faith, as his first frauds, lies, and deceptions were made at his late introduction.  In anticipation of continued bad faith interactions with the deviant John R. Pecoraro, I ask that each recipient to the Civil Remedy Filings of this date respond on their own.  It is everyone's best interest for the toxic effect of Pecoraro to be fully exposed and removed.  His continued existence is actually a proof of lack of good faith...............Pecoraro's assignment as claims manager was presumably to manage risk.  What Pecoraro has done is MUSHROOM the risk.  He has set an unwinnable course of action with an ever increasing cost and exposure.  Early resolution is in everyone's best interest.  Very soon all correspondence, evidence, recordings, etc will begin to be released for public viewing at www.FraudDocumentation.com .  As advised to the Board of Directors on March 23, 2011, this can be handled privately or publicly.  The choice has always been available to the responsible company, yet they chose to behave as thugs and deviants. (The March 23, 2011 notice to the Board of Directors as well as all other correspondence is being made available for viewing at www.FraudDocumentation.com .

Correspondence at one time known to have been affected by Monica Sturm  (Call correspondence available at www.FraudDocumentation.com :

December 15, 2010, Monica Sturm of Aequicap (Later to be part of Tower Group) posts a response to the Civil Remedy system on behalf of John R. Pecoraro making herself part of his game of fraud and deception.

February 23, 2011 Monica Sturm NOW of Tower Group (she made the transition from Aequicap) files a Civil Remedy response on behalf of John R. Pecoraro of CastlePoint, making herself once again part of his deceit, deception, denial, and fraud.

February 23, 2011 Monica Sturm NOW of Tower Group (she made the transition from Aequicap) files a Civil Remedy response on behalf of John R. Pecoraro of Aequicap/CastlePoint, making herself once again part of the confusion and furtherance of deviant behavior.

February 23, 2011 Monica Sturm NOW of Tower Group (she made the transition from Aequicap) files a Civil Remedy response on behalf of John R. Pecoraro of CastlePoint, making herself once again part of the confusion and furtherance of deviant behavior.

March 7, 2011, Yet another filing against Aequicap.  The point of this filing is the improper insurance verification given by the driver at the wreck scene.  In John R. Pecoraro's response he incriminates his assured/client by his response making fraud at the scene perfected at the wreck site, and Pecoraro himself is not a witness/proof against his own assured.


April 19, 2011 Monica Sturm NOW of Tower Group (she made the transition from Aequicap) files a Civil Remedy response on behalf of John R. Pecoraro of CastlePoint, making herself once again part of the confusion and furtherance of deviant behavior.

 It seems the tactic exercised by claims personnel concerning the incident listed above are attempting what appears to be an age old insurance trick to deny a claim (frivolously?) which is clearly bad faith, and have gone so far as to lie to support their stance (fraud)They have knowingly and willingly concealed and misrepresented information and material fact and recently have insisted the only course of action is litigation in court.  Meanwhile notice has been given to their board of directors who have failed to intervene, thus making the claims manager, board of directors, and all those party to this file guilty of both Intentional Infliction of Emotional Distress, and Negligent Infliction of Emotional Distress.  The clear case of fraud to avoid the responsibility is compounded by the outrageous, extreme, intentional, and reckless.   There is a clear pattern of repetitive abuses, to our vulnerable position, while the claims personnel failed in their duties to provide good faith handling, and to the contrary committed fraud.  Each member of the board of directors for failing to properly act/intervene are at the least party to the fraud and guilty of negligent infliction of emotional distress by failing to act.


624.155(1)(b)(1) Not attempting in good faith to settle claims when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests.
624.155(1)(b)(2) Making claims payments to insureds or beneficiaries not accompanied by a statement setting forth the coverage under which payments are being made.
624.155(1)(b)(3) Except as to liability coverages, failing to promptly settle claims, when the obligation to settle a claim has become reasonably clear, under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage.
624.401(1) No person shall act as an insurer, and no insurer or its agents, attorneys, subscribers, or representatives shall directly or indirectly transact insurance, in this state except as authorized by a subsisting certificate of authority issued to the insurer by the office, except as to such transactions as are expressly otherwise provided for in this code.
624.401(2) No insurer shall from offices or by personnel or facilities located in this state solicit insurance applications or otherwise transact insurance in another state or country unless it holds a subsisting certificate of authority issued to it by the office authorizing it to transact the same kind or kinds of insurance in this state.
624.401(3) This state hereby preempts the field of regulating insurers and their agents and representatives; and no county, city, municipality, district, school district, or political subdivision shall require of any insurer, agent, or representative regulated under this code any authorization, permit, or registration of any kind for conducting transactions lawful under the authority granted by the state under this code.
624.401(4)(a) Any person who acts as an insurer, transacts insurance, or otherwise engages in insurance activities in this state without a certificate of authority in violation of this section commits a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084.










































































































































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