Dr. Teresa Sievers - Motives and Theories (Including MS speculation)

[Deleted member 39678]

Who would the insurance company be suing and for what? Who would have been wronged to have incurred any damages?

I guess there would be fraud against the insurance company and they would have suffered damages because of that fraud.

JMO

 

[Stopwatch]

I'm not understanding what you're getting at here. Are you saying that the insurance company would be suing MS? For what? Who would have been wronged to have incurred any damages? The only entities that have been wronged would be TS's relatives.

I think the way it would work is that the insurance company would simply deny the claim and not payout. Then it would be the beneficiary who would have to sue for non payment. IMO

I'm wondering if TS' family sued MS, and he were found responsible for her death, would that be sufficient for the insurance company not to pay out.

But now you have me wondering. Are you saying that an insurance company can just deny a claim without any legal evidence? Ultimately, I guess it all depends on what is written into the policy, but from a practical standpoint, I'm wondering if a denial would be defensible in court if a civil court determined the beneficiary was responsible for having the person killed.

Probably getting ahead of myself as I think it will be a moot point. My guess is that LCSO is dotting their i's and crossing their t's and we'll know more soon enough.

 

[howonkee]

I'm wondering if TS' family sued MS, and he were found responsible for her death, would that be sufficient for the insurance company not to pay out.

But now you have me wondering. Are you saying that an insurance company can just deny a claim without any legal evidence? Ultimately, I guess it all depends on what is written into the policy, but from a practical standpoint, I'm wondering if a denial would be defensible in court if a civil court determined the beneficiary was responsible for having the person killed.

Probably getting ahead of myself as I think it will be a moot point. My guess is that LCSO is dotting their i's and crossing their t's and we'll know more soon enough.

I'm not an expert in any way, but I think insurance companies can deny claims because I know that in cases where the insured believes they have a valid claim but the insurance company does not agree and denies the claim, that the insured can then turn around and sue them for what is called "bad faith".

What would be interesting though, is if the children could be paid either because they are actually named beneficiaries (we don't know) or if they retained counsel on their behalf to somehow skip over paying MS if it was deemed that he is responsible for the crime.

Maybe someone who knows more will comment.

 

[NSS]

Well I guess the discussion got derailed, I believe it is of great significance.

The timing, the amount, the changes, the recipients.

I may run an experiment and set one up to see what it entails.

 

[wondering25]

So along the lines of the life insurance motive...

If MS is involved, and somehow LE isn't able to get a criminal conviction, I wonder if the life insurance company would do their own investigation and do a civil suit? I'm kind of thinking of another famous case where someone got off for murder, but was later found responsible for their wife's death in civil court because there is a lesser burden of proof.

I am curious if MS were found responsible in a civil case if that would make it so any potential life insurance on TS would not have to be paid out?

When the insurance company refuses to pay it can and does go to trial, often. There is no one to sue in a civil case. 2 different things. IF MS is not guilty of any wrong doing the life insurance company will either pay or it will go to an interpleader.. or trial. and MS will win.. There is no reason for MS to be sued civilly ala OJ and the Goldmans. MS and the children were the heirs.. MS isnt going to sue himself. MS can sue JR or CWW but i dont think there is anything to get. JMO


Anything i write is just my opinion.

 

[Wyle_E_Coyote]

When the insurance company refuses to pay it can and does go to trial, often. There is no one to sue in a civil case. 2 different things. IF MS is not guilty of any wrong doing the life insurance company will either pay or it will go to an interpleader.. or trial. and MS will win.. There is no reason for MS to be sued civilly ala OJ and the Goldmans. MS and the children were the heirs.. MS isnt going to sue himself. MS can sue JR or CWW but i dont think there is anything to get. JMO


Anything i write is just my opinion.

TS's relatives could file a wrongful death suit against MS.

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[Eileen730]

Rather than debating what Skinner may have meant previously, I think I'll wait until he clarifies and answers for himself.

Ya know I think we all need to wait and see what Law Enforcement does.
We have a friend defending a friend I see nothing wrong here. I'm very sure Skinner wil be devastated if Mark is arrested but I also feel Skinner really does not want to even think his friend Mark could do something like this.
We have not seen Mark arrested as of yet. I have not heard anyone even talk about him.
I live 45 mins away and there is nothing on the news.
To me its a wait and see.
What if its not Mark that's arrested When CWW arrives here? What if its someone else?
Food for thought!

 

[wondering25]

TS's relatives could file a wrongful death suit against MS.

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No, I dont think so.. they are not the natural heirs.. she had a will. The natural heirs( next of kin) are her children and her husband. Anyone can sue anyone but they have no standing , in my opinion.

 

[Webjunkie]

You're right. I doubt that anyone who was involved in Teresa's death will ever see a dime of life insurance because of all of the investigations surrounding this case.

I'm just curious about the possible amount and named beneficiaries of any life insurance policies.

That would help with showing a motive for her death.

JMO

Would insurance have paid already? It's been 3 months. Or would they hold off because it's still an "active" investigation. MS has not been named POI, only in the "envelope" which is anyone close to the victim like family, friends, co-workers.

 

[relay]

Would insurance have paid already? It's been 3 months. Or would they hold off because it's still an "active" investigation. MS has not been named POI, only in the "envelope" which is anyone close to the victim like family, friends, co-workers.

I would be surprised if insurance has been paid due to the impending murder investigation. And, even though SMS has not named MS as a suspect openly, we have no idea what has been said within LE and to the insurance company(ies).

 

[human]

Would insurance have paid already? It's been 3 months. Or would they hold off because it's still an "active" investigation. MS has not been named POI, only in the "envelope" which is anyone close to the victim like family, friends, co-workers.

I seriously doubt insurance had paid. They are in the business of taking money, not handing it out. Their investigators are intense. Insurance companies are worth billions and have plenty of funds to fight anyone so they are in no hurry to hand out cash,

 

[Webjunkie]

From the Skinner thread, Post #61:

And MS father had been a veterinarian (pet doctor) and in his late 50's decided to go back to Med School and get his M.D., and in his 3rd year of internship at a hospital, just before being released to become a legal practicing doctor, got pancreas cancer (like the actor Michael Landon got) and there is zero cure for that. Tragic. He died in his late 50's, about 1991, and MS was so proud of his dad. And MS inherited a bunch, many, guns and gun safes from his dad.

MS's father was successful, so obviously, MS did not grow up poor. In Skinner's words, MS inherited a bunch. To me this means that at some point he had a lot of his own money. This makes it even more confusing to me why he would continue to maintain a friendship with CWW. I can understand a childhood friendship, but after adulthood, I can't see how they would have anything in common. As an adult CWW started practicing criminal behavior (drugs, stealing computers etc...). As an adult MS married a successful doctor, inherited a lot of money, and managed a very successful practice. I've often wondered what bonded these total opposites together after their life paths took such different directions. This relationship must have served both in some huge way. I think if we could ever figure out that bond, we would know why TS was murdered.

I think MS was the type of person who loved everyone. He didn't turn his back on people for making mistakes. If someone wanted to stay in contact with him, then he would. He was just a friendly, loveable guy who gave everyone a second chance (or more). This might have been his fatal flaw, to not cut ties when he needed to.

JMO

 

[Webjunkie]

I would be surprised if insurance has been paid due to the impending murder investigation. And, even though SMS has not named MS as a suspect openly, we have no idea what has been said within LE and to the insurance company(ies).

Agree 100%, that is what is so frustrating. IMO

 

[human]

I think MS was the type of person who loved everyone. He didn't turn his back on people for making mistakes. If someone wanted to stay in contact with him, then he would. He was just a friendly, loveable guy who gave everyone a second chance (or more). This might have been his fatal flaw, to not cut ties when he needed to.

JMO

Why? They lived 1200 miles apart. Sounds like Skinner is a loving, close friend right in MO. CWW has a son and other friends.

MS had his busy job, homeschooling 2 daughters, social events and charity functions.

There certainly has to be plenty of qualified people to provide computer services. And certainly people who are closer and quicker than a plane ride away if ohysical help is needed. Can you imagine what a plane ticket costs purchased the day of or the day before when CWW's computer help would be needed?

 

[Wyle_E_Coyote]

If someone could have that amount of investment in a gun collection, they probably had money as well. As a veterinarian, they probably had enough for a comfortable life. Not celebrity status, but maybe upper-middle class? Minus getting the MD degree of course. IMO

Med school taking funds, illness can be expensive, other kids sharing inheritance, ms going through college which takes money, dad maybe married at the time (in which case wife would inherit bulk)... I would be surprised if MS wound up with a significant inheritance.

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[Wyle_E_Coyote]

Why not go when no one is home?

Why travel 1000+ miles? Plenty of gun collectors in mo.

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[Webjunkie]

Why? They lived 1200 miles apart. Sounds like Skinner is a loving, close friend right in MO. CWW has a son and other friends.

MS had his busy job, homeschooling 2 daughters, social events and charity functions.

There certainly has to be plenty of qualified people to provide computer services. And certainly people who are closer and quicker than a plane ride away if ohysical help is needed. Can you imagine what a plane ticket costs purchased the day of or the day before when CWW's computer help would be needed?

Good point.

 

[Webjunkie]

Why not go when no one is home?

The problem is that nobody knows what the perp(s) actually knew about the schedule. Sunday night does seem odd, but I thought I heard that is actually one of the biggest times statistically to get burglarized.

Didn't LE say they "think they know exactly why" she was killed? But they never indicated what that was. And the "So much evidence" statement has always bothered me. Like did they spraypaint the walls with a message? Tack pictures up? Leave something as a statement?

 

[wondering25]

Why? They lived 1200 miles apart. Sounds like Skinner is a loving, close friend right in MO. CWW has a son and other friends.

MS had his busy job, homeschooling 2 daughters, social events and charity functions.

There certainly has to be plenty of qualified people to provide computer services. And certainly people who are closer and quicker than a plane ride away if ohysical help is needed. Can you imagine what a plane ticket costs purchased the day of or the day before when CWW's computer help would be needed?

According to someone who claimed to be an insider but was never verified, MS was not the person who did the home schooling.. there was a tutor. There was also a chef. It doesnt really matter, imo. If there were money problems and IF to compound that MS was also spending money on stuff TS didnt know about ( let's say playing the horses) then that would increase the headaches. If MS had a girlfriend and wanted out.. there is another reason. MS may be huggable and lovable and may have NOTHING to do with the murder of his wife other than he had the misfortune to have as a best bud the guy who is charged with the murder. But, it is the old case of show me who your friends are and i will show you who you are. There are 2 arrests to date and we have been promised more. Time will tell.

I find the within 24 hours or so, disturbing..ALL that says is MONEY because that is what these campaigns do.. raise cash. So, there may have not been anything in reserve. The other thing is IF there was a life insurance policy, he would have been able to collect on it immediately, right? Wrong! The reason, IMO a was started was because he knew there would be a hold-up. In other words, jmo, he already knew he was involved and knew CWW did this and KNEW there would be a hold placed on the policy. If this was random.. the insurance wouldn't be an issue in his mind and no need for .

He already KNEW the eyes of the world would focus on him.. so the went into play immediately. MOO

I hope i am explaining this coherently.

Anything i write is just my opinion

 

[PeskySlueth]

First, thank to the mods for creating this forum.

I think I already posted my theory, but since there is a theory page....!

IMO, I'm thinking MS was a casino employee with aspirations for wealth and success, but no promising plan to get their quickly. TS was a woman who created her own success. She could "afford" to be swooned by a guy who could be her "right hand man" and not her provider. He got to ride on her coattails. She got someone to support her at home and at the office.

MS was successful only by association. Maybe he felt that he deserved some of the hero worship, from her, and from the world. But the TV shows and magazine covers, the patients, they only cared about her. Maybe he was tired of riding her coattails and wanted to wear the coat. Maybe there were other women who bought into the successful image MS portrayed and made him feel special. Maybe he started having affairs.

At the same time, maybe TS was discovering more and more about MS that made her uncomfortable--really, husband, your best friend is an ex-con meth head who is retired in his early forties to a trailer? Hmmm. So, husband, you told me that you wanted to go to law school, but that never happened. I thought you said you were ambitious w hen we met. Instead I pay for a chef and a nanny and....what exactly is your role again?

Maybe TS considered divorcing MS and told him so. (Maybe sometimes loudly.) But maybe she realized that would rock the kids' world and would also be a financial debacle. She would not only have to pay him monthly, but also now pay for childcare. Maybe she couldn't afford to divorce him. So she decided to stay and make the best of it. It wasn't THAT bad, after all.

Maybe MS promises the woman he's having an affair with that he'll leave his marriage. But, frustratingly, he realizes, he can't. Without TS, he would lose EVERYTHING: the practice, her money, her social cred, her professional cred, the house and pool, and maybe half the time he has with the kids. He would be back to square one, a guy who used to work in a casino, likely in an apt or townhouse, with little money, or more probably, big money problems. A loser in his mind.

Or, WOULD he have to lose everything? Not if something happened to TS. Like, if she interrupted a robbery in their home and got murdered. He could get MORE money than ever with insurance payments and donations from those who loved her through public fundraising. He could continue the practice and live happily ever after and build a life with his affair lady from the proceeds of the murder. Plus, he could even bring attention to the practice through TS's death.

But he'd have to do it himself, and then he could get caught--isn't the husband always the first person LE looks at? Hmmph.

But, then, CWW jokes about his dopey friend JR who fancies himself a hitman. And suddenly the crazy idea of getting rid of his wife seems to make sense. A break in gone wrong. The guy would probably do it for $10k. For a fee, CWW would make it happen and MS wouldn't even have to do anything except make sure TS is at home alone. MS could pay CWW through the practice and so there'd be no trail of the hit. And LE would never suspect a random dude from MO for the break in gone wrong.

Brilliant! Foolproof! Unless you have ever watched one episode of Dateline.

I think you NAILED it Kammie!