Copyright (c) 2007 Derek Clontz/4-Page Media, Inc. All rights reserved. 

WARNING: Insurance fraud is a serious criminal offense and could result in jail time and huge fines if you are caught and convicted. If you sue anybody, even yourself, your complaint and claims must be legitimate. Consult an attorney for details.

YOU CAN get filthy rich just like the people in this world-exclusive report did by insuring yourself to the hilt – and suing your own brains out.

And it isn’t fraud, either, say experts, if you are patient enough to bide your time and let fate take its course. According to insurance-insider Meg Falken, the trick is to take out a big personal liability policy and then sit back and wait for just about anything bad to happen to you.

If nothing bad ever happens, you never cash in. If something bad does happen, however, you can get rich – big time, Falken contends.

“Insurance companies play the percentages betting you don’t get hurt and you can play the percentages betting you do get hurt,” declared Falken, a former vice president of one of America’s leading insurers and author of the forthcoming book, Sue Yourself for Fun and Profit, Profit, Profit (Hard Reality Press, $24.95), which is slated for a May 2008 release.

“But don’t get me wrong. You can’t take out a policy and then make ‘the accident’ happen. You have to be honest. You have to be patient. You have to let Nature take its course.

“The statistics show that seven out of 10 men and six out of 10 women are going to have an accident in or around the home within the next five years.

“Depending on the severity of that accident you might find yourself in a position to sue yourself for a significant sum of money. Quite frankly, virtually any injury – even a paper cut — can fetch you a five figure settlement, not because you’ve suffered any significant disability or undue hardship, but simply because it will cost the insurance company at least $40,000 to respond to your lawsuit — no matter how frivolous it might seem to be — before it ever gets to court.

“With a guaranteed expense of $40,000-plus staring them in the face, you can see why the insurance company’s attorneys might be happy to settle quickly for $30,000 to $35,000 and save $5,000 or more from the get-go.

“Even if your suit has little or no merit, the insurance company still comes out ahead.

“More serious injuries — such as slipping on a roller skate and breaking a hip or bumping concussion-hard into a closed door — can catapult you into the six-figure range or even the million-dollar range,” she added.

“Sleazy? Some people, especially insurance executives, think it is. But what are the insurance companies doing to you? Playing fair — or robbing you blind?

“If you don’t know the answer to that question, I’ll help you out: They’re robbing you blind.”

Falken’s book features a dozen real-life scenarios that show how ordinary men, women and children became instant millionaires by suing themselves for injuries they sustained through nobody’s fault but their own – in the privacy of their homes!

Here’s a sample:

o Tommy Morehaven, 12, slipped and fell, breaking his arm and knee, while attempting to negotiate his skateboard down a long flight of hardwood stairs in his family’s three-story home in Buffalo.

The young man retained an attorney and eventually settled with his family’s insurance company for $275,000.

o Rebecca Hailye, 43, took out $1 million liability policy in March 1998 and just three months later, in June, sued herself for the full amount after she slipped on the kitchen floor she was waxing and cut her face on a the edge of her stove.

Rather than engage in a lengthy court trial, her insurance company settled with her for $290,000 just four months after that — in October.

o Retired short-order cook Jack LeMeaute, 67, of Sacramento, contracted incurable Hepatitis C after using his wife’s toothbrush prior to her death in 1998 and sued himself for $5 million.

The terms of his settlement with his insurance company remain secret — but the Rolls Royce and 26-room mansion he purchased just weeks later strongly indicate a payoff of at least $1 million, Falken contends.

o Alicia Meester, 24, poisoned herself with partially-cooked hamburger meat and spent three agonizing days in a hospital undergoing treatment for a roaring headache, stomach pains and dehydration.

In legal papers filed on her behalf, Meester’s own lawyer described her as having been “grossly negligent” — but that didn’t keep her insurance company from making good on its promise to protect her from accident or injury — even one that she caused herself.

“Until I poisoned myself I had never experienced pain so terrible,” she told Falken. “Of course, I had never seen a $150,000 check with my name on it, either.”