Arizona's Dept if Insurance in the news

Monday, 20 September 2004 -- published 0420am

The only "big" thing that puts them in the news is that an anonymous reader of The Register reading this story inquired about the proper dept to address insurance fraud in his/her state.

In this case, the reader would be advised to go to, the home page of the Arizona Department of Insurance; Phone numbers include: (602) 912-8444 (Phoenix Area) or (520) 628-6370 Tucson Area --- Toll Free Statewide: (800) 325-2548.

This should be sufficient cause to put this dept in the news, as The Register strives to be interactive with readers, which, coincidentally, is one of the requirements that Al Ruechel of Bay News 9 mentioned in a recent correspondence as a requirement for featured websites. Besides being "interactive," Ruechel says that websites featured on his TV station must have information useful for a wide range of people. We hope to live up to his standards and serve the public.

Subj: RE: Evidence of Possible Insurance Fraud, Criminal in Nature
Date: 2/10/04 11:08:40 AM Eastern Standard Time
Sent from the Internet (Details)
Mr. Watts,

On behalf of Director McCarty, thank you for your recent email regarding fraud concerns. By copy of this email, we are referring this matter to the Division of Insurance Fraud for further review and response. You may contact this division at 800-378-0445.

Should the Office be of further assistance, please do not hesitate to contact us.

Christina Huff
Director's Office
Office of Insurance Regulation

-----Original Message-----
From: []
Sent: Tuesday, February 10, 2004 8:14 AM
To: Kevin McCarty
Cc:; Keith McCarthy
Subject: Evidence of Possible Insurance Fraud, Criminal in Nature

The original message was received at Tue, 10 Feb 2004 07:31:12 -0500 (EST) from root@localhost

----- The following addresses had permaanent fatal errors -----

Oy, Kevin! ~-- Let me try again!


In a message dated 2/10/04 7:31:11 AM Eastern Standard Time, Gww1210 writes:

Subj: Evidence of Possible Insurance Fraud, Criminal in Nature
Date: 2/10/04 7:31:11 AM Eastern Standard Time
From: Gww1210
CC:,,,,,,,,,,,,,,,,, Gww1210,
Bcc: ...not shown... ~= Please note that of the above addresses, the following were returned mail: ; ; ; You can bet your bottom dollar that I searched out the correct email addresses and did a resend. =~
To: Tom Gallagher, Insurance Commissioner, Fla Dept of Finanical Svcs
To: Kevin McCarty, Director of Insurance Regulation, Fla Dept of Financial Svcs
Cc: Governor's Office General Counsel and Attorney Genral's Office, as there may be items of interest in my friend's observations in Appendix 1

Dear Commissioner Gallagher and Director McCarty:

I have heard allegations of insurance fraud that mandate your investigation, according to your duties under the law. (See below for citations under s.626.989, Fla. Stats.)

Please note: The Florida Second District Court of Appeals has accepted review of **my** lawsuit against these same individuals, in case number: 2D04-414. However, my court case does not deal with Insurance fraud. That is your department, so you can't say "You've got a case in court --we can't touch it." My allegations are strong here, so don't faint when you read them.

There is now newly discovered and very strong evidence that one Michael Schiavo, the estranged husband of Theresa "Terri" Schiavo, may have taken out a very large life insurance policy with the criminally fraudulent intent of having her killed and gaining a large financial award, so, let's look at the evidence to that supposition:

(1) This just in: Michael Schiavo admits to having committed acts this past October which, according to s. 825.102(3) of Florida State Law, are Class 2 Felonies. He admits in current news media reports that he denied both feeding tube (court-ordered and marginally legal), *and also* oral food (neither court-ordered nor legal: 2nd degree felony in violation of 825.102(3)). The fact Theresa is "PVS" (if in fact she is?), is not legally relevant, for this State Law makes no exception for "PVS" patients. (This section reveals his criminal acts in other areas which show or reveal criminal intent in the insurance claims I make in the instant case --at bar.)

(Of course, he has also denied her legal counsel and swallowing rehab in violation of 744.3215(1), subsections (l) and (i), respectively, but I'm not going to delve into the matters under current litigation in my suit or others; Parenthetically, I wonder, if they can do that so a semi-conscious person, what happens if you or I were to become totally unconscious in a freak accident -or worse yet, conscious but unable to move or speak. Would they starve us too? However, I will constrain my discussion below solely to the Insurance fraud. That comment was merely to keep your attention on the fact that seriously illegal things have happened and could recur -to anybody -and that Michael's past actions have shown criminal tendencies here, relevant to my concerns for criminal insurance fraud here.)

(2) Notice on the official web site of Michael Schiavo's "other" business -what he does on the side besides being a nurse:

Florida Profit

Registered Agent
Name & Address
696 1ST AVE N, STE 201

Officer/Director Detail Name & Address Title




His girlfriend, Jodi Centonze, apparently works there, but, and more importantly, it has been pointed out that "Insurance" is misspelled, possibly purposefully to avoid detection as an insurance company: "JERGER & CENTONZE INSURNACE AGENCY, INC.," until having cashed in on a fraudulant policy.

See the misspelling there? Is the "Insurnace" typo likely in a professional website as a simple mistake still unchecked and not caught by web editors after all this time?

Besides all the fraud committed by Michael in purposefully concealing bone scan records, possibly lying to a jury about his intents, misappropriation of the trial jury rehab award (1.1 million or so), and current refusal to permit swallowing rehab, and also the recent 2nd degree felonies that are just now being litigated by myself, we feel he may have taken out a large policy on his wife to get even more large awards, and have her killed by **illegally** denying her basic antibiotics and other necessary medical treatment --or the recent illegal euthanasia/mercy-killing attempts, covered by yet other statutes. So, why am I writing to you?

This is not the first time I've seen someone take out Life Insurance on another person without that party's knowledge, permission, or consent, and, I'll give you three (3) examples:

(1) Your office helped me get off of a policy that had been taken out to pay out loads of money to a relative, if I were killed. Remember that one? My father, probably not with any criminal intent, nonetheless was allowed to take out a life insurance police [sic: I meant to say: "policy"] on me without my knowledge! The catch here is that the INSURANCE COMPANY involved illegally took out the policy by forging my name or something similar. (They had to have my signature and didn't. You go figure?) I don't benefit from a payout (unless the insurance agent brings me back to life as a "benefit" or "pay out." lol) The county can pay my burial, and I don't make enough that my "income" would be missed. Got it?

(2) It is now well known "trivia" that Wal*Mart Stores tried to pull that same stunt: That's right! They took out insurance policies on employees without their knowledge. Again, both Wal Mart **and** the Insurance companies are at criminal fault: They both knew better and yet proceeded to falsify paperwork... For details on the Wal Mart investigation, please see:

and, oh yeah...

(That last web address has an agenda, doesn't it?) So, that leaves number three:

(3) While I can't prove that Michael Schiavo *has* taken out a policy, here's what I *can* prove:

(A) Insurance policies are private, confidential, inaccessible to public records requests, so if there is a fraudulent claim out there, I can NOT find out, but YOU can and WILL.

(B) Michael Schiavo has three motives to take out a policy on his wife, Theresa Schiavo:
(i) Financial - to get a big pay off.
(ii) Romantic - to keep from a messy divorce, which could cause him to have to split his estate and real prepay 50-50 -and get with his girlfriend, with whom he lives, in violation of the adultery statutes found in chapter 798 of State Law.
(iii) Possibly criminal -- if he committed spousal abuse, he wants to hush her mouth --and the fact he refuses swallowing therapy, with the help of the courts, no less, but in violation of state laws to the contrary, this hints he must have something to hide. He definitely wants to keep her mouth quite and silent --for some reason -- we don't know yet.

(C) Michael Schiavo has not only motive, but also ABILITY:
His girlfriend apparently works where he used to work and may be a partner. (He is listed on the web site, please notice.) So, he and his colleagues know how to file Insurance policies.

(D) His track record so far is not spotless -by far.

So, in conclusion, he has (a) ability to make policies; (b) motive to do same; (c) prior actions which call his motives/intent into question; and, (d) and also the ability to act behind "confidentiality" shields to falsify paperwork.

Please note: I am not accusing him; Merely, I am showing lots of "probable cause."

Lastly, it is your duty to investigate my findings under State Law. (See section 626.989: Investigation by department or Division of Insurance Fraud; compliance; immunity; confidential information; reports to division; division investigator's power of arrest.)

"(6) Any person, other than an insurer, agent...who believes that a fraudulent insurance act or any other act or practice which, upon conviction, constitutes a felony or a misdemeanor under the code, or under s. 817.234, [which says as title: 817.234 False and fraudulent insurance claims.-- ] is being or has been committed may send to the Division of Insurance Fraud a report or information pertinent to such knowledge or belief... The Division of Insurance Fraud SHALL review such information or reports and select such information or reports as, in its judgment, may require further investigation. It SHALL then cause an independent examination of the facts surrounding such information or report to be made to determine the extent, if any, to which a fraudulent insurance act or any other act or practice which, upon conviction, constitutes a felony or a misdemeanor under the code, or under s. 817.234, is being committed. The Division of Insurance Fraud SHALL report any alleged violations of law which its investigations disclose to the appropriate licensing agency and state attorney or other prosecuting agency having jurisdiction with respect to any such violation, as provided in s. 624.310....

(7) Division investigators SHALL have the power to make arrests for criminal violations established as a result of investigations. Such investigators shall also be considered state law enforcement officers for all purposes and shall have the power to execute arrest warrants and search warrants; to serve subpoenas..." (Emphasis added by capitalization, comment added in brackets.)

That looks pretty unambiguous, and let's remember a few more things: The people of Florida (in fact all America, in not the entire world), view us in disdain and are highly angry for the injustices done in this matter.

Since I know some of the recipients of this email profess to be Christians of various denominations, (and because we have national mottoes like "One Nation Under God," "In God We Trust," and "So help me God"), I will briefly list these scriptures here for your edification. It won't detract from my main message, I hope: Proverbs 24:11-12; Prov. 31:8-9; and the last several verses of Matthew, chapter 25. The writers here are said to be the two wisest men who have ever walked the face of the earth, and give an idea of what The Almighty might be thinking about Theresa Schiavo and these contemporary "Scribes and Pharisees."

The people of Florida, upon learning of my inquiry, will demand an investigation, and that I know to be true: I am held in almost hero status among the many Law and Order Floridians who are demanding justice in this matter, because I am currently the only person suing either the local police or the State Attys office over in Pinellas County over their failure to prosecute Schiavo for violations of 825.102(3), Fla. Stats., and my colleagues will not be happy, I can guarantee it, if you fail to jump in there and investigate. You will likely be overwhelmed with emails, postal mail, phone calls, Faxes, and negative editorials on the many message boards on conservative forums, all over Florida, not unlike what happened to Governor Jeb Bush. Note: I'm certainly not threatening you here -for indeed, I hope to limit my own emails and phone calls to a reasonable number, to be a good neighbor to you. But, I'm just pointing out the inevitable. **I formally request an investigation of this matter.**

On a lighter note, I am sure you will be immune from prosecution for doing your moral and legal duties in this regards. (And, you too may become a hero among the Nation, most of whom would support you in this matter.) Please also find below the observations of another friend, whom I shall keep anonymous. Below that, I shall include an appendix quoting those citations from Scripture in the event you don't have a Bible handy.

APPENDIX 1: Note from a friend

JP, I'm keeping private your name and email address, and the identities of the people to whom you wrote, but you wrote this here, and I'm appending these observations to my concerns about insurance fraud, and giving you a blind carbon copy.

"Here are some specific points in connection with the bone scan that could prove fruitful to investigate: Perjury, Insurance Fraud, Obstruction of Justice, Failure to Protect as Required by Statutes, Aiding and Abetting a Violent Criminal at Large. 1. MS on behalf of Terri won a large jury award in 1992. The malpractice suit was predicated on a physician’s failure to diagnose Terri’s susceptibility to heart failure due to biochemical imbalance. MS advanced that Terri was bulemic [sic: JP meant to say: "bulimic" --gordon] and that the physician should have taken precautions to avert Terri's eventual collapse. MS knew very well that the bone scan taken a year earlier in 1991 pointed to a different set of causes for the collapse. Does withholding this evidence from the malpractice jury constitute perjury in that the jury certainly asked him whether he was aware of any reasons for the collapse?

2. Using guardianship privileges, MS ordered the medical evidence of injuries sealed. Had the jury known about Terri’s history of trauma it is unlikely that they would have decided in favor of MS. The injurer would then not have been ordered to pay pecuniary damages. Does MS's sealing of the record constitute insurance fraud?

3. The bone scan revealed ossification at multiple sites of trauma, indicating that the injuries took place before Terri was admitted. This raised the probability that she was attacked by someone. Failure to report a possible crime is illegal. Does hiding evidence of a possible crime constitute obstruction of justice?

4. FS 825.102 (3) (2.) and FS 744.474 (2) order MS to protect Terri against abuse. By default this includes a potential repeat abuse from the unknown individual responsible for the bone scan trauma. MS's failure to report it to police allowed the perpetrator to remain at large. With that, there was a possibility of a renewed attack against Terri by that individual. MS thus failed to give Terri the protection delineated in the statutes. By taking no steps to prevent a repeat occurrence, MS further subjected Terri to serious risk of great bodily harm, which is a class 2 felony. Warmly, JP"

APPENDIX 2: Biblical Citations for Perspective, Reflection

Editor: I forgot to include this citation in my letter here: "When the righteous are in authority, the people rejoice: but when the wicked beareth rule, the people mourn." (Editor: This passage comes from Proverbs 29:2, Holy Bible, KJV, and, when writing our leaders, I seem to have forgotten to mention this word from "Wise Man" Solomon, but I still was able to find some good observations below.)

Proverbs 24 (Holy Bible, KJV)
11 If thou forbear to deliver them that are drawn unto death, and those that are ready to be slain;
12 If thou sayest, Behold, we knew it not; doth not he that pondereth the heart consider it? and he that keepeth thy soul, doth not he know it? and shall not he render to every man according to his works?

Proverbs 31 (Holy Bible, KJV)
8 Open thy mouth for the dumb in the cause of all such as are appointed to destruction.
9 Open thy mouth, judge righteously, and plead the cause of the poor and needy.

Oy!... lets get some more “English” versions here -- let’s try the NEW King James Version here:

Proverbs 24 (Holy Bible, NKJV)
11 Deliver those who are drawn toward death, And hold back those stumbling to the slaughter.
12 If you say, "Surely we did not know this," Does not He who weighs the hearts consider it? He who keeps your soul, does He not know it? And will He not render to each man according to his deeds?

Proverbs 31 (Holy Bible, NKJV)
8 Open your mouth for the speechless, In the cause of all who are appointed to die.
9 Open your mouth, judge righteously, And plead the cause of the poor and needy.

Matthew 25 (Holy Bible, NKJV)
31"When the Son of Man comes in His glory, and all the holy angels with Him, then He will sit on the throne of His glory. 32All the nations will be gathered before Him, and He will separate them one from another, as a shepherd divides his sheep from the goats. 33And He will set the sheep on His right hand, but the goats on the left. 34Then the King will say to those on His right hand, "Come, you blessed of My Father, inherit the kingdom prepared for you from the foundation of the world: 35for I was hungry and you gave Me food; I was thirsty and you gave Me drink; I was a stranger and you took Me in; 36I was naked and you clothed Me; I was sick and you visited Me; I was in prison and you came to Me.'
37"Then the righteous will answer Him, saying, "Lord, when did we see You hungry and feed You, or thirsty and give You drink? 38When did we see You a stranger and take You in, or naked and clothe You? 39Or when did we see You sick, or in prison, and come to You?' 40And the King will answer and say to them, "Assuredly, I say to you, inasmuch as you did it to one of the least of these My brethren, you did it to Me.'
41"Then He will also say to those on the left hand, "Depart from Me, you cursed, into the everlasting fire prepared for the devil and his angels: 42for I was hungry and you gave Me no food; I was thirsty and you gave Me no drink; 43I was a stranger and you did not take Me in, naked and you did not clothe Me, sick and in prison and you did not visit Me.'
44"Then they also will answer Him, saying, "Lord, when did we see You hungry or thirsty or a stranger or naked or sick or in prison, and did not minister to You?'
45Then He will answer them, saying, "Assuredly, I say to you, inasmuch as you did not do it to one of the least of these, you did not do it to Me.' 46And these will go away into everlasting punishment, but the righteous into eternal life."

OK, folks, do we still have any doubt as to what the two wisest men of all times (Solomon and Jesus, respectively) were trying to say about Theresa Schiavo? If so, give me a call, and we can talk.

I’ve touched on (1) Legal (2) Practical (matters of fear) and (3) Moral viewpoints in this matter, but it is up to you to act. It would not be fair to ask God to do something you or I could do. If you require any assistance, drop me a line.

Gordon W. Watts
Lakeland, Florida
Gordon Wayne Watts
BS, The Florida State University, Biological and Chemical Sciences
AS, United Electronics Institute

821 Alicia Road
Lakeland, FL 33801-2113 or
Home: (863) 688-9880 Work: (863) 686-3411 Voice&FAX: (863) 687-6141 ;

Truth is the strongest, most stable force in the Universe.
TRUTH doesn't bend to the will of tyrants.
Gordon Wayne Watts
Get Truth.


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Gordon W. Watts, Editor-in-Chief, The Register



"First, they [Nazis] came for the Jews. I was silent. I was not a Jew. Then they came for the Communists. I was silent. I was not a Communist. Then they came for the trade unionists. I was silent. I was not a trade unionist. Then they came for me. There was no one left to speak for me." (Martin Niemoller, given credit for a quotation in The Harper Religious and Inspirational Quotation Companion, ed. Margaret Pepper (New York: Harper &Row, 1989), 429 -as cited on page 44, note 17, of Religious Cleansing in the American Republic, by Keith A. Fornier, Copyright 1993, by Liberty, Life, and Family Publications.