Cop Tries To Harass Black College Student But Gets Owned And Taught The Law

 

I’m convinced the first rule in the cop handbook is “Never admit fault.”
You’re being “hostile” when you don’t let them violate your rights. 🤦🏾‍♂️ Classic.
Calling the man “creepy” trying to insult him to get a rise, top quality police
As a former Union Agent representing law enforcement I can say without a doubt most of my time was taken up by officers or deputies that have taken their authority and abused it in this same manner. They harass the wrong person and that triggers a formal complaint to Internal Affairs. And bingo we have a professional law enforcement officer on leave pending investigation. In this specific instance this officer isn’t enforcing the law, he’s enforcing his ego.
It’s shocking how the officer picks on him and so many students are walking by in the video at 2am in the morning.
The male cop says the black man being out at that time of the night is odd, yet several people walk by at different times during the interaction. College students are always out at all times of the night!
The fact that the couple falsely accuses him of being hostile shows that this is something they do to try to justify their next deadly action
“You we’re hiding in the bushes” at what point was he hiding in the bushes lol!
This young man was not behind the bushes, he was in plain sight. And while I’m watching this there’s so many people out and about walking around at two whatever in the morning. They just want to harass him. I’m proud of this young man for standing his ground.
He wanted to arrest him so bad “when you’re going to jail it is gonna be real funny”
“I don’t know why you’re being so difficult” “I don’t know why you’re trying to violate my rights”
Notice… this man played him… and didn’t say a SINGLE curse word… didn’t cuss him out or nothing. Just taught him a BIG lesson!
This is a perfect example of cops sticking up for cops even when they know they are wrong. And she is a sergeant. Both of them should be fired for harassing a member of the public.
Much respect to the Brother keeping his cool and demonstrating how the police will lie and still keep their jobs.
I wish we could see them driving away. The UNCG code of conduct is online. It took me 1 minute to search for identification. Nowhere does it say you have to produce ID except in a hearing.
It makes me sick when police start pulling that “get your hands out of your pockets” bull sht.
You know when a cop either says here’s how it’s going to go or here’s the deal, that they are about to violate your rights
It might be beneficial to us all if Cops actually had a collage education.
If he didn’t have that camera running it would have gone a completely different way. ALWAYS RECORD any involvement with LEOs.
“We The People” Seeing an ex cop run this channel appropriately is proof that people that stand up for their rights aren’t anti goverment. Just “Pro, good government “ Cool channel.
You see how he assumed he wasn’t a student, I wonder why? Smh
I like the part where the officer says “if a school administrator asks for your ID, you must provide it”. He’s not a f-ckin administrator.
I think he did the right thing by getting back in front of his camera for his protection
>> Definitely! Especially, when that cop started lieing and said ” Take your hands out of your pockets “, trying to set up a defense for doing something to him! I’m glad the young man recognized what he was trying to do!

>> I agree when the cop started saying keep your hands out your pockets off camera who knows what would of happened. He was walking backwards to his car..lol ..WTF what a !!COWARD

>> Absolutely! I was getting concerned about that also. That cop definitely tried to begin a narrative the he was doing something, anything wrong. Kudos for following through bru!
The crazy thing about some of these cops is they have gotten away with things like this in the past. If it wasnt on camera he would have been arrested and the story would have been different. you see how he stated you were in the bushes, what “THESE” people do at times. Not all, not all, but a lot of them. It’s in them
My handsome black brother,👏🏾 thank you for standing on right. That man who calls himself a cop, is a joke. I hope this gets seen by all my black brothers who don’t know their rights and learns them to stop this tyranny in this country. Great job!
Kudos to this guy! I thoroughly enjoyed watching him calmly and confidently exercising his rights! It sucks that the supervisor that showed up couldn’t just admit the first cop was wrong and just leave this guy alone. This is another good reason why cops get a bad wrap.
It’s hard to stand your ground sometimes, especially if you have things to do, they will argue with you for hours instead of just saying they’re wrong and letting you go.
It is so scary to see this. If the supervisor didnt show up in time he could have been both tasered and arrested on false accusations.
Hate when cops ask “why are you being difficult?”! He is being difficult because you are trying to violate his 4th amendment rights and you’re abusing your power in a situation where you have no authority. Also, school policy (code of conduct) doesn’t trump the constitution, he doesn’t need to show ID even if the cop found the “code”.
This is probably the best video I’ve seen of this type. He successfully made the cops look like a complete clown. “Keep your hands out of your pockets” he should be fired just for that.
It’s wonderful that the brother knew his rights, but he shouldn’t have gone back and forth with the cop, because some cops would’ve concocted some fictitious story, and felt threatened based on the argument which could’ve led to the young man being killed. The brother has the recording which will serve as permissible evidence in Court, or to the Dean/Student Affairs, provide the handbook to the proper representatives at the institution showing the bylaws causing him to lose his job, and lastly file a harassment suit. I’ve seen black men who know the law, and are in law school encounter this same problem, but you just have to think about things from a precautionary standpoint. I was in this same situation, and took legal action based on my understanding of the law. I received a settlement, and the officer was demoted three times, and fired once I spoke and sufficient evidence was provided to substantiate my claim.
Has a cop ever talked without lying? Non-stop lies from beginning to end. Tyrant.
These public officials seem to be drunk on their perceive authority. Thank goodness for the first amendment auditors that bring the ignorance of these public servants to the forefront for all to see.
Love how there’s literally a truck full of ppl in the back and this is the person he choose to harass. Just pathetic and unacceptable
Good job. Lots of NC folk comply with Law Enforcement whether they’re right or wrong especially if they (the citizen) is black. I encourage everyone to exercise their rights but most won’t , even the young (I’m 55) but I’m glad this brother did…
Cops love to say “why you so hostile?” Lmao okay dude.
I’m pro law enforcement but both cops were fighting for dominance and their behavior was strictly driven by their ego. The student gets a grand slam as he handled this perfectly, wittingly, humorously and very smoothly. Nice job!
I love this guy, he knows his shit! Cops need to learn, sometimes, just walk away and drop it, it is not worth the fight.
“The funny part is you’re going to leave either way” bro, that got me so good!
That young man clowned him and took away his perceived authority while having fun with it. The point is the young man knew the laws and his rights. He had a quick counter for everything officer ” I’m going to assert some authority on you ” presented.
It’s sad to see and hear in almost all of these cases the sheer amount of ego hunting and zero intelligence of the letter of the law!
How sick our these control freaks?
I love when cops say “why are you been difficult” when they are violating your rights. A good cop that covers or standby for a bad cop is as bad.
5:18 “I don’t know why you’re being so hostile.” I really hate it when they pull these petty moves.
Why is it that the police find it impossible to just go without giving advice or attempting to get you to comply with something!😂
Another cop that doesn’t know the laws he’s supposed to upload but harrasses and makes up lies to justify trying to violate this mans right to record in public. The lady cop is just as wrong for attempting to back her fellow officer and they should both be charged with harrassment, or any other violation we can make up…like they do.
Cop “I‘m trying to help you out” how is trying to get his ID and threatening to arrest him helping him out?
He really really wanted to take him to jail he would do anything to take him to jail if this man was not recording he would be in jail and I’m 95% sure that that officer fabricate as much lies as he possibly can to keep this man in jail just because he was “defiant“ he was doing what he should challenge the law in the correct way what a looser
So the sergeant comes and explains that everything he’s doing is perfectly legal with the photography and all but then she starts the cops explaining. Then she starts the bullying. I need you to move over here 20 ft over here so that you’re on a different property even though it’s all public property but I have to flex my muscles and tell you what to do otherwise you’re a free person walking around in a free area and we certainly cannot have that.
Shout out to the brother. I hope he’s still safe and standing up for our rights! ✊🏾 And ffs 2am is early on a college campus on the weekend. Clearly a big party or event just happened.
The pettiness is what really got me.
Police officers often enjoy to assert their power and more often than not, they end up looking foolish while attempting to violate citizens rights.
There was nothing hostile about this young man. He just knew his rights. Police are never on your side and will use your information against you.
Man bro I love when cops get taught the law they’re supposed to know then try to pull the power play move
This is extremely frightening to me how uneducated the officers are.
The amount of ignorance in these LEOs…..astonishing, yet sadly not unexpected.
Now She’s doing the “Police Culture ” Thing by trying to save face and be in Authority!😔🙄
I think it’s funny when these cops say, I’m telling you, no matter what you must obey!
Lmao I love how this dude laughs at how stupid situation that he’s in. Full Respect XD
I love how they try to grab control of the situation when they have been upped! We know why he was stopped. Look, I don’t have time to argue with a rent-a-cop, either arrest me or leave me the hell alone. My mans said he was “behind the bushes.” LMAO
This was beyond beautiful! Bravo to this young man! 💪🏾💪🏾💪🏾 Racial profiling. Glad I saw this, I live in NC… very familiar with the campus. I’ll be sure not to allow my daughter transfer here. I was worried the boss would be in the same bs and she was…. The first officer was a straight up liar like most of them are…trust me I know. Just separated from NCDPS. Wicked and corrupt bunch of people.
Cop is a butt-hurt liar. He said he would “arrest” him if he didn’t ID, and yet NO ID, no arrest.
I love the fact that you always remind people to learn their rights. I’m gonna go review right now matter of fact. Would I have left? Prolly… Fact is the police terrify me. I’ve been afraid of the police since I was six years old. I’ve been living in a nation under terror for thirty years. The problem is, in a court of law, the police are automatically above any suspicion, as though police are never criminals. The police almost never report crimes committed by other members of law enforcement, and there were even police that actually operated as a gang. Gang mentality needs to go. Get it out of America. How? Get rid of stupid laws. Legalization of most drugs requiring addicts seek their drugs from a federally mandated facility where no one will ever overdose, no poison will be in the drugs and tax dollars can be collected instead of spent locking them up. Furthermore addicts would be exposed to narcotics anonymous literature et cetera, and drugs would become affordable so crime would decrease further. Hands and mobs, having nothing to sell, would be forced to go back to gambling, rackets etc, or go out of business altogether. So locking people for drug addiction and start treating them. They’re just people who either want to party, or are suffering. Why is that illegal? If we followed the letter of the law every single American would spend several lifetimes in prison. The average American commits three felonies EVERY DAY without even realizing it.
“I don’t know why you’re being so difficult and hostile” “You’re behind the bushes” “Student code of conduct says to provide your ID”. The mental gymnastics of police officers is crazy.
Both the cop and sergeant didn’t know the law. Mind boggling as to how they think that they can manipulate the law and try to threaten him with an arrest. Gosh this student was one articulate, brave and fierce guy. He just had no time for their bullshit.
Great video. I laughed several times – especially when he kept asking if the cop was mad.
It would have been absolutely perfect if dude ended up letting the cop know he was studying to be a civil rights attorney. Lmao. Oh man that would have been perfect!
The Cop “knows” he’s right, yet 1st he said the Man, or according to Cops, the “Suspect”, wasn’t a student, then, he said he was, then he said he knew the Law, Yet, at NO time, did he arrest the “Suspect”. 2 Cops for about a half hour, for a DEADLY situation, like this. We don’t have enough of these Brave Heroes out there, and we Clearly need to Hire more.
Great video!!!! Can you do a video explaining what would happen in this same exact case if the officer decided to push his authority and falsely arrest him? What would this young man go through after being arrested? A ride to jail and time wasted seeing a judge that decides he was in the right over the officer? And then what most likely would happen to the officer for not knowing the law and possibly just knowing a policy that has no weight to the law?
“Either way you’re gonna get in your car and leave” , had me LOL.. You crushed em dude. Good going!
What a wonderful young man. They really are relentless lying demons and they took so much of his time. Harassment, absolute harassment, they really should be punished for this.
So when you disagree with a cop you’re being difficult even though the cop is wrong and you were right.
Are these real cops? Or rental cops? The “lady cop” is reaching, by telling him where he can and can not film. These cops need to look for the real bad guys!! Go away little cops, go away!!!!! Lol!!! He states he is not “mad”!!!
It is so nice and refreshing to live in a country where you can walk,drive any time night or day and the cops would not stop you and ask for I D,even when they stop you for traffic violation they dont demand you to get out of the car and handcuffs you..
No matter how much these cops get proven wrong. They can’t help themselves but they give some kind of directive, they have to boss somebody around and express their perceived authority onto others. And if we don’t listen they get so butt hurt
How hard is it for cops to just walk away and say have a nice day? Children just refuse to be wrong
Cops keep referring to the school’s Code of Conduct, but initially the first officer demanded to see his I.D. when he assumed that the man “wasn’t” a student !
Officer: “ it’s strange to be out here at 2:00 in the morning”
30 other people proceed to walk by.
The sad part is he really wanted him to go to jail for ABSOLUTELY NOTHING!!!! I hope his superior reprimanded him

 

He called the cops bluff when he said, he was going to arrest him. The cop back peddled, and tried a different tactic. Good for this man for standing up for his rights. The extraordinary length these cops go to, to have some measure of control over this man is ridiculous!
I love when people excercing their rights is not cooperating and being suspicious. It’s not a law no matter what. It’s code of conduct. You know they’d just arrest if they were right.
Be very careful of the advice you give on this platform! Being correct and surviving are not always synonymous! He was lucky…. to be on University property and a University student. What if someone in this comment section attempt to do the same thing except there are no witnesses around? Potentially end imprisoned on false charges or dead. YES… Stand up for your rights…but be smart about it. If you know your rights are being violated, and you’re recording…. COMPLY with the Officer… and get home safe!!! THEN get in contact with an attorney and file charges against the Officers involved AND the department. You will not win on the side of the road….let the attorney win in court!!!
>> Now that Officer did violate that students 4th Amendment Rights. The Sgt. Knew her Officer was wrong…and she still tried to cover for him. Comply…make it home alive… then contact an attorney. That’s the smartest approach.
When a cop tries to get someone to move a few feet it’s about one thing, control. Honestly, in this case what does it matter other than ego?
Clown tried to frame the guy outside of the view of the camera by asking him to stand outside of the view while insinuating that the man had something dangerous in his hands.
Legend has it that the cop is still out there looking for the rule to this day..
So, do rights go away after a certain time of the night? Am I ok to film from 7am to 9pm but 9pm to 7am it’s against the law?? It is SO scary how many cops don’t know the laws they are supposed to enforce.
“We’re definitely not trying to violate your rights, we just really want to violate your rights.” – Female cop.
The cop was difficult, but tells the student he’s being difficult. What an a hole.
It would be so nice if the public was allowed to question these cops and their superiors in public on camera for everyone to see and hear, as to why they do what they do , why they violate peoples rights , why they lie , why they cover up and their superiors should answer to why they just get pushed around from one precinct to the next and they’re not dealt with especially when they have so many complaints and their superiors should also answer the question as to why these cops are never properly trained and that the public knows more about the law more then the cops do…
As a white woman, I don’t know all these rights either. I’ve been stopped many times too…. BUT I’m always compliant. I believe you live longer that way. On the other hand, not knowing our rights is why we have lost SO many of our freedoms. Kudos to knowing your rights!!!
Police officer: I don’t understand why you’re being hostile/difficult. Translation: I don’t understand why you’re not allowing me to violate your rights.
The officer said that he was hiding behind a bush.He was standing out front on the sidewalk,even the cop noticed that before he got out of his car.Wow smh
He still violated his 4th amendment right when he looked in his bag. 🤦🏾‍♂️
It blows my mind how many officers use that “why you being difficult” when a person quotes his rights and stands up to the cops tyrant ways!
Standing up for your rights is hostile Standing up for your rights is being difficult
I’ll be honest with you years ago I would have just shown my ID and been bullied but nowadays after watching Auditors and videos like this I have learned a lot and I appreciate it. no more getting bullied by the cops and record everything and don’t talk to them. Thanks
Guy approaches a man minding his own business, demands he leave, demands he ID, demands he explain himself, accuses him of hiding “behind bushes” and of possibly being a sexual assaulter… Then questions why he’s so hostile.
🤣 she tried to at least get one up on him. “You have to stand over here for us.” Umm no I don’t. Haha Well done. 👏🏽
This student stood his ground and left unscathed. It makes me wonder if he is in his United States or North Korea. This overreach by cops needs to be corrected..their threats of arrest are limiting freedom of movement of law abiding citizens. Unless there is a law enforced curfew you cannot stop a person from being out of his/her home/place of residence at any time. This is control without consent.
At the school I attended COC did indeed list showing your student I.D. to security and cops. Nevertheless, there’s a lot of people walking back and forth, so how is he unusual or suspicious? Besides, why sets up a camera on a main road if you intends to commit a crime?
The officer backed up like he was going to be attacked. The SKIN COLOR of the student to the officer is a threat. The officer is TROUBLE.
2 years to become a hairdresser, 6 months to become a cop. What do you expect
This is why there are so many innocent people in prison. Thank God everyone has a camera now to record their own evidence.
” we are definitely not trying to violate your rights” while we keep demanding your papers
I love how when they’re talking a group of people across the street are walking by you can’t make this shit up
Cops in the USA seem to confuse a hunch with suspicion, something your supreme courts have actually described in various rulings very specifically to be different, what the difference is and why it matters. Im European and even I know that.
Kudos to this young man however he could have exercised his 5th Amendment right to not talk to the police. What boggles my mind are campus cops who think a state university, with an ELECTED board of Regents, like a city council, is private property or as if it’s somehow restricted. With VERY few exceptions a public university’s campus sidewalks and streets are always open to the public. That university sidewalk IS A PUBLIC SIDEWALK and ignorant cops like this one doesn’t have the authority to kick someone off a public sidewalk.
This was a great project. It basically shows how the ego of the average cop won’t let them admit when there wrong and how there training and initiation for the suppose greater good has failed when the other cop cared more about protecting the other cops feelings over the rights of others (the greater good)
Scariest thing is the baseless warnings the two cops kept hurling at this student and they kept telling him that he did something wrong even though they knew that they had absolutely no “Reasonable – Articulable- Suspicion”. Both of these cops are on ego trips. End Qualified Immunity Nationally Now!

The Ten Worst Insurance Companies in America

How They Raise Premiums, Deny Claims, and Refuse Insurance to Those Who Need it Most

1. Allstate

2. Unum

3. AIG

4. State Farm

5. Conseco

6. WellPoint

7. Farmers

8. UnitedHealth

9. Torchmark

10. Liberty Mutual

 

The U.S. insurance industry takes in over $1 trillion in premiums annually.3 It has $3.8 trillion in assets, more than the GDPs of all but two countries in the world (United States and Japan).

Over the last 10 years, the property/casualty insurance industry has enjoyed average profits of over $30 billion a year. The life and health side of the insurance industry has averaged another $30 billion.

The CEOs of the top 10 property/casualty firms earned an average $8.9 million in 2007. The CEOs of the top 10 life and health insurance companies earned even more—an average $9.1 million. And for the entire industry, the median insurance CEO’s cash compensation still leads all industries at $1.6 million per year.6

Profits Over Policyholders

But some companies have discovered that they can make more money by simply paying out less. As a senior executive at the National Association of Insurance Commissioners (NAIC), the group representing those who are supposed to oversee the industry, said, “The bottom line is that insurance companies make money when they don’t pay claims.”7 One example is Ethel Adams, a 60-year-old woman left in a coma and seriously injured after a multi-vehicle crash in Washington State. Her insurance company, Farmers, decided the other driver had acted intentionally and denied her claim, contending that an intentional act is not an accident. Another example is Debra Potter, who for years sold Unum’s disability policies until she herself became disabled and had to stop working. All along, Potter thought she was helping people protect their future, but when her own time of need came, she was told her multiple sclerosis was “self reported” and her claim denied—by Unum, the very company whose policies she had sold. In cases like these, and countless others, the name of the game is deny, delay, defend—do anything, in fact, to avoid paying claims. For companies like Allstate, there are corporate training manuals explaining how to avoid payments, portable fridges awarded to adjusters who deny the most claims, and pizza for parties to shred documents.

 

Conclusion:

The insurance industry is in dire need of reform. For too many insurance companies, profits have clearly trumped fair dealing with policyholders. The industry has done all it can to maximize its profits and rid itself of claims. Allstate CEO Thomas Wilson outlined the strategy when he said the company had “begun to think and act more like a consumer products company.”176 Allstate has enjoyed a return double that of the S&P 500, but its policyholders have suffered cancellations, nonrenewals, and punishing loss-prevention techniques.177 Wilson has been unrepentant: “Our obligation is to earn a return for our shareholders.”178 Wilson is one of many insurance leaders who have lost sight of their legal and ethical responsibility to policyholders. Now they answer only to Wall Street. The time is due for insurance reform that will level the playing field for consumers.

 

Allstate—The Worst Insurance Company in America

CEO: Thomas Wilson 2007 compensation $10.7 million (predecessor Edward Liddy made $18.8 million in compensation and an additional $25.4 million in retirement benefits)

One company stood out above all others. Allstate’s concerted efforts to put profits over policyholders has earned its place as the worst insurance company in America. According to CEO Thomas Wilson, Allstate’s mission is clear: “our obligation is to earn a return for our shareholders.” Unfortunately, that dedication to shareholders has come at the expense of policyholders. The company that publicly touts its “good hands” approach privately instructs agents to employ a “boxing gloves” strategy against its own policyholders.1 In the words of former Allstate adjuster Jo Ann Katzman, “We were told to lie by our supervisors—it’s tough to look at people and know you’re lying.

There is no greater poster child for insurance industry greed than Allstate. According to CEO Thomas Wilson, Allstate’s mission is clear: “our obligation is to earn a return for our shareholders.”9 Unfortunately, that dedication to shareholders has come at a price. According to investigations and documents Allstate was forced to make public, the company systematically placed profits over its own policyholders. The company that publicly touts its “good hands” approach privately instructs agents to employ a hardball “boxing gloves” strategy against its own policyholders.10 Allstate’s confrontational attitude towards its own policyholders was the brain child of consulting giant McKinsey & Co. in the mid-1990s. McKinsey was tasked with developing a way to boost Allstate’s bottom line.11 McKinsey recommended Allstate focus on reducing the amount of money it paid in claims, whether or not they were valid. When it adopted these recommendations, Allstate made a deliberate decision to start putting profits over policyholders. The company essentially uses a combination of lowball offers and hardball litigation. When policyholders file a claim, they are often offered an unjustifiably low payment for their injuries, generated by Allstate using secretive claim-evaluation software called Colossus. Those that accept the lowballed settlements are treated with “good hands” but may be left with less money than they need to cover medical bills and lost wages. Those that do not settle frequently get the “boxing gloves”: an aggressive litigation strategy that aims to deny the claim at any cost. Former Allstate employees call it the “three Ds”: deny, delay, and defend. One particular powerpoint slide McKinsey prepared for Allstate featured an alligator and the caption “sit and wait”—emphasizing that delaying claims will increase the likelihood that the claimant gives up.12 According to former Allstate agent Shannon Kmatz, this would make claims “so expensive and so timeconsuming that lawyers would start refusing to help clients.”13 Former Allstate adjusters say they were rewarded for keeping claims payments low, even if they had to deceive their customers. Adjusters who tried to deny fire claims by blaming arson were rewarded with portable fridges, according to former Allstate adjuster Jo Ann Katzman. “We were told to lie by our supervisors. It’s tough to look at people and know you’re lying.”14 Complaints filed against Allstate are greater than almost all of its major competitors, according to data collected by the NAIC.15 In Maryland, regulators imposed the largest fine in state history on Allstate for raising premiums and changing policies without notifying policyholders. Allstate ultimately paid $18.6 million to Maryland consumers for the violations.16 In Texas earlier this year, Allstate agreed to pay more than $70 million after insurance regulators found the company had been overcharging homeowners throughout the state.17 After Hurricane Katrina, the Louisiana Department of Insurance received more complaints against Allstate— 1,200—than any other insurance company, and nearly twice as many as the approximately 700 it received about State Farm—despite the fact that its rival had a bigger share of the homeowners market.18 Similarly, in 2003, a series of wildfires devastated Southern California, destroying over 2,000 homes near San Diego alone and killing 15 people. State insurance regulators received over 600 complaints about Allstate and other companies’ handling of claims.19 Allstate says the changes in claims resolution tactics were only about efficiency.20 However, the company’s former CEO, Jerry Choate, admitted in 1997 that the company had reduced payments and increased profit, and said, “the leverage is really on the claims side. If you don’t win there, I don’t care what you do on the front end. You’re not going to win.”21 For four years, Allstate refused to give up copies of the McKinsey documents, even when ordered to do so repeatedly by courts and state regulators. In court filings, the company described its refusal as “respectful civil disobedience.”22 In Florida, regulators finally lost their patience after Allstate executives arrived at a hearing without documents they had been subpoenaed to bring. Only after Allstate was suspended from writing new business did the company, in April 2008, finally agree to produce some 150,000 documents relating to its claim review practices.23 Still, some commentators believe many critical document were missing.

Allstate’s “boxing gloves” strategy boosted its bottom line. The amount Allstate paid out in claims dropped from 79 percent of its premium income in 1996 to just 58 percent ten years later.25 In auto claims, the payouts dropped from 63 percent to just 47 percent.26 Allstate saw $4.6 billion in profits in 2007, more than double the level of profits it experienced in the 1990s. In fact, the company is so awash in cash that it began buying back $15 billion worth of its own stock, despite the fact that the company was simultaneously threatening to reduce coverage of homeowners because of risk of weather-related losses.27 Despite its treatment of policyholders, Allstate’s recent corporate strategy has focused on identifying and retaining loyal customers, those who are more likely to stay with the company and not shop around. The target demographic, as former Allstate CEO Edward Liddy said, is “lifetime value customers who buy more products and stay with us for a longer period of time. That’s Nirvana for an insurance company.”28

Loyalty only runs one way, however. While Allstate focuses on customers who will stick with it for the long haul, the company is systematically withdrawing from entire markets. Allstate or its affiliates have stopped writing home insurance in Delaware, Connecticut, and California, as well as along the coasts of many states, including Maryland and Virginia.29 In Louisiana, Allstate has repeatedly tried to dump its policyholders. In 2007, the company tried to drop 5,000 customers just days after the expiration of an emergency rule preventing insurance companies from canceling customers hit by Katrina. Allstate dropped them for allegedly not showing intent to repair their properties. After an investigation by the Louisiana Insurance Department, Insurance Commissioner Jim Donelon said, “[A]t best, it was a very ill-conceived and sloppy inspection program. At worst, they wanted off of those properties.”30 Allstate also used an apparent loophole in the law by offering its policyholders a “coverage enhancement” which the company would later argue was a new policy, and thus exempt from non-renewal protection.31 In Florida, Allstate has dropped over 400,000 homeowners since 2004.32 The move has landed Allstate in trouble with regulators because the company appears to be keeping customers if they also have an auto insurance policy with Allstate. Florida law prohibits the sale of one type of insurance to a customer based on their purchase of another line of coverage.33 Allstate officials have acknowledged that most of the 95,000 customers nonrenewed in 2005 and 2006 were homeowners-only customers. The company ran afoul of regulators in New York for the same reason, and was forced to discontinue the practice.34 In California, while other major homeowner insurers, including State Farm and Farmers, agreed to cut rates, Allstate demanded double-digit rate increases in what the former insurance commissioner described as an “exit strategy.” John Garamendi, now the Lieutenant Governor, said, “[T]hey’ve said they want to get out of the homeowners business in a market that is competitive, healthy and profitable.”35 Consumer advocates have also complained that Allstate put an ambiguous provision in homeowners’ policies that may have deceived some policyholders into thinking they had coverage for wind damage when they did not. Socalled “anti-concurrent-causation” clauses state that wind

and rain damage—damage covered under the policy— is excluded if significant flood damage occurs as well. Therefore, those with policies covering wind and rain damage and “hurricane deductibles” still faced the prospect of learning, only after a catastrophic loss, that they had no coverage.36 In 2007, then U.S. Senator Trent Lott sponsored legislation requiring insurers provide “plain English” summaries of what was and what was not covered in order to stop this kind of abuse. “They don’t want you to know what you really have covered,” said Lott.37

 

10. Liberty Mutual

CEO: Edmund F. (Ted) Kelly 2005 compensation $27 million

 

Like Allstate and State Farm before it, Liberty Mutual hired consulting giant McKinsey & Co. to boost its bottom line. The McKinsey strategy relies on lowering the amounts paid in claims, no matter whether the claims were valid or not. By all accounts, Liberty Mutual has not become as notorious as its rivals for the deny, delay, and defend tactics that McKinsey encouraged. However, that has not stopped the company from leading the way in complaint rankings and stories of short-changed victims.171 In fact, Liberty Mutual is facing a glut of litigation from its own vendors who say the company’s cost-cutting has resulted in poor claims processing and a spike in lawsuits.172 Like several other big property casualty insurers, Liberty Mutual has also begun abandoning policyholders across the country. The company has pulled out of many states—not only hurricane susceptible states such as Florida and Louisiana, but also northern states such as Connecticut, Rhode Island, Maryland, Massachusetts, and much of New York. A 2007 New York Times article highlighted Liberty Mutual policyholders James and Ann Gray of Long Island. The Grays were “nonrenewed” by Liberty Mutual despite the fact that they lived 12 miles from the coast and had “been touched by rampaging waters only once, when the upstairs bathroom overflowed.” In fact, Liberty Mutual and its big name competitors have left more than 3 million homeowners stranded over the last few years.173 New York regulators chastised Liberty Mutual for tying nonrenewals to whether a policyholder had an auto policy or other coverage, against state law.174 Liberty Mutual has also gone where even its big property casualty rivals Allstate and State Farm have feared to tread by trying its hand at massive corporate fraud. While the likes of AIG, Zurich, and ACE settled charges that they colluded with broker Marsh & McLennan in a huge bidrigging fraud, Liberty Mutual remains the only insurance company that refuses to concede guilt. The fraud centered around fake bids that companies submitted to Marsh in order to garner artificially inflated rates. Liberty Mutual claims its business practices were lawful and that regulators’ settlement demands are “excessive.”175

 

 

Official Police Report is “Unreliable Narrator” of Encounter

 

  • Just wait till the end to hear the officer’s official police report and compare with the video.

 

  • Unreliable Narrator: Police Auditors provide a useful exercise for understanding self-serving History.  We get to see the creation of official records and compare them with video.  It would be interesting to conduct a wider sample of police reports to see how pervasive this phenomena is.
  • The sad part is his desperation to get info; when he asked her to come with him to the front of the car he knew what he was trying to do. If you’re reading this sir, you are a very sad man. You do not represent integrity in any form or fashion.  (police entrapment)

 

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  • GST is becoming my favorite auditor. She is so calm and correct it makes it fun to watch the tyrants twist into a pretzel to justify their actions

 

  • This cop has a lot of opinions on what she was doing , yet no laws were broken, Why does he need to mention that her conduct made others not do their job? in his report?

 

  • The officer kept interrupting her when she tried to tell him that photography can’t be the sole reason for suspicious activity because it’s legal in public

 

  • The cop knew early on that he was wrong, that’s when the power trip kicked in and he tried on multiple occasions to bully her into submission, fail

 

  • The statement about the ‘FAA manager” and the “FAA command center in DC” is complete nonsense… I worked for the FAA as a radar air traffic controller for 30 years... IF the entire FAA management suddenly disappeared from the facility, we controller would never miss a single instruction call to any aircraft.. If the FAA command center in DC disappeared we would never notice… no ATC duties were even the tiniest bit “interfered” with..

 

  • This whole “See Something Say Something” mentality in this day and age! Granite State has provided proof that these tyrants lie through their teeth all the time. Turning legal activity into a crime is their mindset! Thanks SJVT for bringing this to your channel!

 

  • Everything he referred to about trespassing was nothing to do with your video taping…you were abiding by the law. This villain twisted and turned and tried jamming you up with his corrupt actions. He was a sneak and a dishonest cop with no integrity.

 

  • All he is accomplishing is proving his ignorance of the law. How embarrassing it must be to him when he started realizing she knew more about the law then he did and he is supposed to be law enforcement!
  • I’m sure she certainly appreciated being told something she already knew and had already taught you! Just saying. This video is little more than halfway over but I know he’s going to do some cop speak to explain why he was screwing up so bad And then give her some kind of order about staying off the property or don’t go into the street and Impede traffic or for safety reasons!
  • She did not force the cops to come out and investigate illegal activity. Talk about escalating something into more than what it actually should’ve been!
  • So she didn’t meet the requirements for trespass, per the officer.

 

  • He crawled back under his stone once you stood your ground. Excellent vid. This creep realised his error and tried to smooth it out with you. Great exposure of a villain who no doubt has committed similar acts of oath breaking. His ‘report’ about this ‘incident’ was pure paranoia and BS. They are strong against the weak, and weak against the strong. Stay strong. Stay safe.

 

  • He was most certainly trying to cover up how stupid she made him look! She was trying to keep from being followed by a Little boy that got his feelings hurt! Why would anybody in the world want to be followed home whether it’s a cop or not? Tell me if this sounds familiar? “In this day and age “ you never know what kind of person it is that’s trying to follow you whether they’re in uniform or not. If you’re a female you have to be suspicious of anyone that’s following you when they have absolutely no reason to do so.  You were stalking her and trying to get all her information because she hurt your feelings and you wanted to get eve

 

  • She is amazing! I love how she is so calm and reserve. Good follow up to her video.

 

  • A more or less realistic example of of your basic cop unable to process the fact that the photographer is exercising a right guaranteed by the same Constitution the cop swore to uphold…

 

  • “Trespass” the go to charge of the day. “Get back for my safety” the catch phrase. “Stop resisting stop resisting”. The battle cry.

 

  • Between Granite State Transparency in Massachusetts and Auditing America in Rhode Island.it seems the cops up there are most tyrant-like..it seems to be a whole different level in New England..scary.

 

  • You would be acting oddly if you were being stalked by an armed man.

 

  • I would love to see you guys get more organized. More like a large entity, like the police or organized crime. So it’s not one against a bunch of cops and the system. Be in groups, have lawyers on standby, have a fund that all of you pay into to help the ones that get arrested, have the laws in hand and high lighted for the purpose of education. I could go on. Get professional and actually make a difference. At this point they don’t fear you guys at all. I would love for you to respond back to me and tell me what you think. Thanks

 

  • Damn. This cop needs to be a writer. He can spin quite a story. He was doing his best to make you seem crazy .

 

  • What law is it so it’s a “federal law” I just told you. Lol. But why don’t you tell me exactly which federal law it is the one with numbers. He’s the one interrupting. A real lawyer would tear this officers report apart into shreds I love how he’s trying to make himself look good in the report like he’s doing everything quote on quote by the book. Oh poor baby his life is so hard. Well nobody told her to leave and she had yet to actually enter the property. She has to have actually been inside the fence in order for that to work. Yeah watching this having a lawsuit would be probably easy because this cop clearly as fishing for anything he can get his hands on to arrest her and so far he’s having trouble finding anything mostly because she knows what she’s talking about and he doesn’t have a clue what she’s talking about. He did a double investigation. I’d be sueing the company for trying to illegally aquire my name

 

  • As a United States Marine that fought for the freedoms we enjoy and Vietnam corpsman father fought before me this is Despicable when you take a position as a cop to Serve and Protect not act like you’re a lawyer or Gestapo thank God there’s young people like these people in the world bringing to light the blue corruption about time way2go New Generation the world is in good hands keep up the great work Semper Fi oorah

 

  • Well thanks to this cop we all now know exactly what goes on behind the fence. This information is now common knowledge to the criminal/terrorist community and its all thanks to an ignorant security guard and an equally ignorant, officious, over zealous cop who, who had he educated himself in the law, would not have needed to respond to the call in the first place.

 

  • If police would simply avoid confronting people who aren’t breaking the law no “disturbance” would be created. In this scenario the police and the complainant are the public disturbance, not the auditor.

 

  • Cop: “I don’t want to set you up for failure”. Salem witch hunt here.

 

  • When an officer says they are trying to figure it out that means they don’t know the law and they are going to try to trump up something

 

  • When I seen the clip from CT3 I knew I had seen the video before, I didn’t realize it was that long ago. I was a creeped out then as seeing again today. That was completely incompetent, didn’t hold knowledge of basic laws that everybody should (ie the constitution, trespass, public easement, ID requirements) and a few others, but seeing that report is even scarier than what I saw in the video. He he will lie to that extent over someone taking pictures from a sidewalk, I can only imagine a case where there is actual crime. He will turn a trespasser into a murderer. I think that would constitute immediate separation from any position granting limited authority. I better never see him in Disney World with a camera, I’m calling the police… Lol

 

  • Yes, he stalked her at 18:01 by order of the government…
  • always waive your rights on request and everything will be ok
  • There is no Federal law that pertains to photographing Federal facilities from public property…total bs by the police who haven’t been properly trained in dealing with these types of situations.
  • Too many law enforcement officers don’t know the laws they are paid very well to uphold
  • If a cop will go to this extreme with someone doing absolutely nothing wrong imagine if you’ve committed a small infraction, if you’re on probation (how he could destroy your entire life and you’re actually working hard to rebuild), if your a young person and he’s the officer giving you your first charge! Cops like this are dangerous
  • If you can’t hold up a book you should not be a police officer.
  • Notice the power lines directly overhead indicating a public easement you have 20 minutes while detained to either arrest me and charge me or let me go!
  • “An officer cannot expand the scope of a stop to investigate other suspected illegal acitivity”, why don’t you read the rest of the law -> “…unless the…”?
  • I believe the first man who came up to the gate trying to get her ID was indeed a security guard, why else would he have walked away & said he’ll get the police if he was indeed “with the police force”???
  • it’s a felony for a security guard to make someone think that he’s a police officer by saying what does it look like when someone asks him if he’s a police officer.
  • The no trespassing sign is valid from the surface of the sign and fencing backwards, not forwards. In back of the sign it would be trespassing.
  • Rarely people end up being paid as part of their job to do what they most desire: playing baseball, travel, eating, watching movies. Cop work is unique in that a vast number of people end up being paid to indulge in their desire to mislead, intimidate, physically abuse, lie, and even kill or all of the above.
  • Gotta love his passive aggressive behavior. Acting like your friend to violate your rights
  • Once again, another officer who thinks that “suspicious activity” is enough to detain someone. They are trained that they need “RAS” (reasonable articulable suspicion) to detain, when it’s really reasonable articulable suspicion OF A CRIME. Maybe we need to start FOIA requesting police training materials so we can petition them to change RAS to RASOAC.
  • It is so embarrassing that this officer had no clue about the laws and what he was talking about. Officer Weiss was making up nonsense about “security issues” with FAA in his report. She did not cross the fence at any time during the course of her footage, therefore there was no “crimal trespass” or evidence of criminal activity solely by filming the outside of a government facility. She was not required to provide an ID if there is no evidence of criminal activity present. He is only trying to save face after being embarrassed of his lack of basic knowledge law and police procedure. He gets a “F” for his performance. This would be a complaint case against the officer of possible misconduct and falsification of official documents that would fall on my desk when I was in Internal Affairs.   – Sgt. D. Brown, (ret.) – Denver Sheriff’s Department
  • Fences are built to enclose property… if you’re going to lay claim to ground that is OUTSIDE that fence… then you need to move the fence. . Also… If it’s possible to conduct reconnaissance from outside the fence… then you need to build a wall.
  • Let’s face it, if someone was doing recon or casing the joint, you would not see the camera. Can’t people see a setup? Setup may be the wrong word to use, but I hope you get the general idea.
  • I have an idea…how bout cops start carrying lawn chairs in their trunks, that way the person they’ve detained for nothing can sit down while they search their law books looking for something that they can say you did wrong!
  • “Show ID if you didn’t do anything wrong”….. well why not make LEOs personnel files public if they are not doing anything wrong.
  • So many lies on an official report. Nothing this cops says or does should ever be believed. The only thing he should be allowed to ask people in the future is “Would you like fries with that?”
  • This video demonstrates why we shouldn’t talk to police and that we should record everything. They will write reports full of lies.
  • Police do not need to know law abiding citizens names or other personal information. It’s NONE OF THEIR BUSINESS.
  • The whole report was one lie on top of another. At end of report he states it was raining? Girls video shows overcast skies but I don’t see any rain.
  • so this is the comment I make when I watch all these videos. We can draw two conclusions. 1 over and over and over the police officers don’t know the law. Making them incompetent to hold the job. Or they do know the law and they’re doing it on purpose, making their actions a criminal act. Prosecutable by the federal, RICO statute. So which is it, incompetent or Criminal? Or both?
  • This officer proves they teach NOTHING in the academy about real law or how to search for real laws if they need to.
  • Did the security guard really just say that! “it’s a special law” . . .
  • If there are any law enforcement dispatch people out there please please do not send law enforcement officers to complaints like this they are unfounded and their fears are unrealistic. People with cameras are not criminals it’s time that this vicious cycle be done away with. Please just inform the caller that they are not to interfere or restrict in any way a Citizens First Amendment right to photograph in public thank you
  • have you ever seen such a pathetic example of back pedaling? this cop is a laughing stock.
  • She should have asked the cop if he had the permission of the property owner to park and or loiter on their property…….
  • Long is wrong. Never get in to debates with cops and other busybodies. “I’m taking pictures in public, have a nice day (or kick rocks).” And shut up and shut up some more. Once your legal status is (quickly) expressed, nothing more needs to be said. The longer you talk, the weaker your position becomes. Do not ever fill an awkward silence, let it be awkward for the cops, not you. When you’re in the right you don’t have to explain yourself. Keep recording everything. If you’re touched, you have a claim for battery. Also, bottom-line. Don’t even take up auditing w/o being prepared to be arrested. If you do everything right and are arrested, you have recourse. If you do it wrong, you have made things bad for yourself and the entire 1A auditing movement.
  • They can’t keep you no more then a few minutes anything over 25 mins is illegal
  • I’d would be one thing if they were just asking ur name but when they ID u they run u thru the system which even if it comes back clean ur name gets put into a database that shows when where and why u just had ur ID ran, no thank you
  • Aw come on security guards have to know by now about how much authority they have outside the boundary over which they have guardianship. and the police are proving that the courts are right . the police don’t have to have any intelligence.! Even I know that no trespassing means beyond the sign.on the land behind the fence and i haven’t been to police academy. He proves he can read badly but comprhension is obviously beyond his tiny brain. and criminal tresspass means she has to do something wrong any way. pleasre say police are being trained better than this bumbler who is also prone to conspracy theories.! And he then became a stalker my goodness he is so desperate for some excitement in his life. Please put your citizens out of suspense and allocate the shiny boots, the armbands with ss on them and their “papers” !

 

  • Walking down a public easement with a camera and no guns or weapons and stop by armed man .
  • This cop had no idea what to do because he didn’t know the law. He didn’t even know what an easement was…..POS..
  • She did NOT pull them away from their duty’s, the cop did.
  • I’m a cop but wait I’ll have the cops here in a minute.
  • He said enclosed by a fence! The grassed area is not fenced!
  • Seems he got upset he had to read something, seems to not enjoy reading.
  • She is on the EASEMENT !!!!! Full stop.

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With Altered Map, Trump Insists He Was Right About Dorian Heading for Alabama

When President Trump displayed a large map of Hurricane Dorian’s path in the Oval Office on Wednesday, it was hard to miss a black line that appeared to have been drawn to extend the storm’s possible path into the state of Alabama.

That might have been intended to bolster Mr. Trump’s claim on Sunday when he tweeted that “in addition to Florida — South Carolina, North Carolina, Georgia, and Alabama, will most likely be hit (much) harder than anticipated.”

Never mind that the Alabama office of the National Weather Service quickly responded to Mr. Trump’s original claim by insisting that “Alabama will NOT see any impacts from #Dorian.”

“We repeat, no impacts from Hurricane #Dorian will be felt across Alabama,” the office tweeted. “The system will remain too far east.”

So did Mr. Trump — who frequently uses black Sharpie pens to sign legislation — add the mark to justify his unfounded claim about the dangers faced by residents of the Cotton State?

Or did someone else in his administration clumsily modify the map so that it would appear to back up the president?

The black line on the map was drawn to look like the top of the so-called cone of uncertainty that is familiar to weather watchers. The line curved through the southwest corner of Georgia and the southeast corner of Alabama, and into the Gulf of Mexico.

A spokesman for the Department of Homeland Security said that he was unclear what the black line on the map was referring to and that he needed to gather additional information. He later referred questions about the map to the White House.

Asked about the marking on the map, Mr. Trump told reporters that he did not know how it got there. “I don’t know,” he said on Wednesday while insisting that his assertion about the dangers that Alabama faced had been right all along.

“We had many models, each line being a model, and they were going directly through. And in all cases, Alabama was hit, if not lightly, then in some cases, pretty hard,” Mr. Trump said.

“They actually gave that a 95 percent chance probability,” he said. “It turned out that that was not what happened. It made the right turn up the coast. But Alabama was going to be hit very hard, along with Georgia. But under the current, they won’t be.”

The president did not say where he got that information, which is directly contradicted by days of reports from the National Weather Service and the Federal Emergency Management Agency, neither of which publicly reported any threat to Alabama from the hurricane.

ImageA spokesman for the Department of Homeland Security said that he was unclear what the black line on the map was referring to.
CreditErin Schaff/The New York Times

Governors in Florida, Georgia, South Carolina, North Carolina and Virginia have declared emergencies as Dorian grew into a monster storm in the Atlantic. Alabama’s governor did not.

But Stephanie Grisham, the White House press secretary, on Wednesday released an internal map that she said Mr. Trump was shown on Sunday as he traveled from Camp David back to the White House.

The map provided by the White House shows the impact of Dorian touching parts of Georgia and a small corner of Alabama, much like the black line that was drawn on the larger map Mr. Trump displayed in the Oval Office.

“I just know that Alabama was in the original forecast,” Mr. Trump said on Wednesday. “They thought it would get it as a piece of it.”

Later in the day, Mr. Trump tweeted a map from the South Florida Water Management District that he said supported his contention that Dorian heading for Alabama.

“This was the originally projected path of the Hurricane in its early stages,” he said. “As you can see, almost all models predicted it to go through Florida also hitting Georgia and Alabama. I accept the Fake News apologies!”

However, the map came with a warning that information from the National Hurricane Center and local emergency officials superseded it: “If anything on this graphic causes confusion, ignore the entire product.”

Donald J. Trump

✔@realDonaldTrump

This was the originally projected path of the Hurricane in its early stages. As you can see, almost all models predicted it to go through Florida also hitting Georgia and Alabama. I accept the Fake News apologies!

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Mr. Trump also responded on Wednesday to reports that he had suggested to Vice President Mike Pence that he stay at one of Mr. Trump’s resorts while on an trip to meet with top officials in Ireland.

Mr. Pence’s decision to stay at the Trump International Golf Links & Hotel in Doonbeg drew criticism because it meant that the vice president was more than two hours away from Dublin, where his official meetings were being held.

Mr. Pence has family roots in Doonbeg, and Marc Short, the vice president’s chief of staff, told reporters on Tuesday that it was the president who suggested his hotel when he heard that Mr. Pence was traveling to Ireland.

“It’s like when we went through the trip, it’s like, ‘Well, he’s going to Doonbeg because that’s where the Pence family is from,’” Mr. Short said. “It’s like, ‘Well, you should stay at my place.’”

But on Wednesday, Mr. Trump denied that.

“I had no involvement, other than it’s a great place,” Mr. Trump said, adding: “I heard he was going there, but it wasn’t my idea for Mike to go there. Mike went there because his family’s there. That’s my understanding of it.”

Mr. Trump said he did not suggest that Mr. Pence stay at his property.

“I don’t suggest anything,” he insisted.