West Virginia Offices of the Insurance Commissioner 2009 Annual ...

Chad J Haynes, age 36 of Kenna plead guilty on March 16, 2009 to one (1) felony count of Obtaining
Money by False Pretense since his crime predated the insurance code. In exchange for Mr. Haynes’
plea, pending charges against his wife for her role in the crime were dismissed. In 2003, the Haynes’
had reported their 2001 Yamaha motorcycle missing and subsequently filed a police report and
insurance claim. After a thorough investigation by the WVOIC Fraud Unit, the motorcycle was located
still in the possession of the Haynes’s. Mr. Haynes was given probation and ordered to pay restitution
in the amount that was determined by the Adult Probation Department.
Amy E. Hedrick, age 35 of Jane Lew plead “no contest” to a reduced charge of misdemeanor count of
Insurance Application Fraud on May 21, 2009. She received a $10.00 fine and $159.53 Court costs.
Ms. Hedrick must also pay her Court Appointed Attorney fees. Ms. Hedrick falsified an application
for health insurance coverage for her husband indicating there were no pre-existing conditions. After a
thorough investigation it was determined that there were numerous pre-existing conditions for which
her husband was subsequently hospitalized for approximately 30 days shortly after the policy was
taken out, resulting in a loss of approximately $37,000 to the insurance company.
Paul D. Krimm, age 50 of Hurricane plead guilty to a reduced count of filing a fraudulent claim to an
insurance company on January 20, 2009 and received two (2) years probation and was ordered to pay
restitution to State Farm in the amount of $49,286.75
Mr. Krimm had reported his 2004 Mercedes Benz 500 was stolen and eventually filed an insurance
claim after the car was found “burned out” approximately 2 miles from his mother in laws house.
Andrew R. Talbott, age 33 of Martinsburg pleaded “No Contest” to one count of Forgery and was
sentenced to six (6) months plus one (1) day and an additional thirty (30) days for providing False
Insurance Information. The sentences were to run concurrently with each other and with any time
sentenced on additional pending felony charges. He was also charged $319.00 for court costs. Another
charge for forgery was dismissed. On March 2, 2007, Mr. Talbott directed another individual to
present fraudulent insurance information to the Martinsburg Division of Motor Vehicles Office while
attempting to submit two vehicle applications for titles.
Delphia Trout , 52 of Genoa and Elwood Robertson age unknown of Genoa, each plead guilty to
one (1) felony count of filing a false claim with an insurance company. Each were given identical
sentences of twelve (12) months in jail, suspended in lieu of three (3) years probation and a fine of
$250 plus court costs. Delphia Trout reported a false insurance claim in which her vehicle (1995 Jeep)
had supposedly sustained damage in a hit and run incident while her son, Mr. Robertson was in the
vehicle. It was later determined the vehicle had been wrecked by Ms. Trout’s husband while he was
intoxicated a day earlier.
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