미디어 보험 사기: 백만 달러 소송 보상 범위 제외

### 커피질라의 100만 달러 보험 사기: 유튜버가 사기를 당한 방법
* ☂ 사기를 폭로하는 유튜버로 유명한 커피질라는 명예훼손 소송을 위한 **100만 달러의 보험**에 가입되어 있다고 생각했지만, 숨겨진 예외 조항으로 인해 **청구가 거부**되었다는 사실을 알고 충격을 받았습니다.
* 💸 이 보험은 애초에 그가 보험에 가입한 바로 그 이유인 **명예훼손 청구에 대한 보장**을 제외했습니다.
* 🔍 이 제외 조항은 보험 약관의 작은 글씨 깊숙이 묻혀 있었고, **커피질라의 중개인이 이 사실을 알려주지 않아 실제로는 보호받지 못하는 보험료**를 지불하는 상황이 발생했습니다.
* 📈 커피질라의 채널이 성장함에 따라 보험사는 **더 위험하다고 판단하여 보험료를 대폭 인상**했고, 이로 인해 제외 사실이 밝혀진 것은 더욱 치명적인 일이었습니다.
* 🤝 거부에 대해 알게 된 브로커는 **서면으로 제외 사실을 몰랐다고 인정**하고 이를 공개하지 않은 보험사를 비난했습니다.
* 🏛 커피질라는 현재 보험사와 중개인 모두를 상대로 법적 조치를 고려하고 있으며, 잠재적으로 **100만 달러에 달하는 보험금에서 사기를 당했다고 생각**하고 있습니다.
* 👕 손실의 일부를 만회하기 위해 **커피질라는 상품 캠페인**을 시작하여 팔로워들에게 자신의 스토어에서 **셔츠를 구매하여 자신을 응원해 달라**고 촉구했습니다.
* 🤔 이 사건은 많은 사람들이 보험사로부터 배신감을 느꼈다는 비슷한 이야기를 공유하면서 **보험 산업과 보험 약관을 철저히 이해하는 것의 중요성**에 대한 논의를 촉발시켰습니다.

커피질라는 명예훼손 청구에 대한 보상이 제외된 보험으로 인해 백만 달러의 사기를 당했습니다.

I got scammed for a million dollars, and here's my story. You may have seen the video on my main channel where I talk about how we should have been covered up to a million dollars for this lawsuit against Logan Paul because we have what's called media insurance or errors and omissions insurance. The reason I got this, the reason most media companies get this, is because of defamation lawsuits, especially if you're going to do original reporting on very rich people and accuse them of things like scamming. You know, people don't take too kindly to that, and many times they will threaten to frivolously sue you. Sometimes they even will sue you, and you have to be prepared to defend yourself. It's very expensive, and so you want some way to do that so you can get insured for that. You can get insured for defamation, and we've actually used the same type of defamation insurance or errors and omissions insurance to cover ourselves before and successfully done that. This time we thought it would be no different. So when we got sued, I saw a lot of

great like support from people saying look I want to help. I want to help you kind of like you know. You should do it GoFundMe or whatever. And I said to myself well look I don't want to do that because I don't need it. And many commenters knew that I had insurance and they said hey he doesn't need it don't worry. He's got this s's no missions insurance. I was like yeah you're right you know that's true. Uh except then I called my insurance company to put in a claim. I'm like yo knock knock. We've been paying you thousands of a year why not. Uh time for you to pay up. And they promptly called back. They're like uh actually no no we're not going to do that because in the fine print of our policy your new policy. We've excluded ourselves from defamation claims. So I was confused. I was like wait but I the whole reason I got this was defamation. And they're like yeah and I'm like well what does this cover if not defamation

they're like well errors and omissions, and I'm thinking what you see, what do you call errors and omissions in media, you call it defamation. I mean if, if, if CNN goes on and they make an error about some random person, that person's not going to sue them for the error, they're going to sue them for defamation. Um, so I was confused. I was like wildly confused. I go to my policy, I'm like shocked to find, yeah, okay, sure enough, yep, you guys are excluded from defamation. And I'm like, how did this happen? So that requires the full. So that's the tldr. Scammed for a million bucks. I, if they had paid out the whole claim, right, like that's obviously a big part of this. Ultimately, we paid like, I think during the lifetime of this insurance, we probably paid like a few tens of thousands of dollars to this insurance. So it hasn't been cheap to pay for insurance that ultimately did nothing. So we at minimum got scammed for that.

amount. If you actually look at the total policy, um, we had, it was up to $1 million. So, I don't think it's a stretch to say we got scammed for a million bucks. But, um, the full story, I think, is even more interesting. So, initially, we had gotten a message from, um, another YouTuber who had just been in a lawsuit. This is how we started getting into this whole thing. And they told us, Look, dude, I just paid a quarter of a million. We were small at this time. He goes, I, we, I just got paid a quarter of a million dollars to fight this lawsuit. I'm in the right. It's totally frivolous. This guy knows it. You need to make sure you get this thing called errors and omissions insurance so you can be protected like I wasn't. So, um, we were a small channel and, relatively, the insurance was going to be very expensive for us. But I appreciated that and I thought, you know, that's really wise if this channel continues in a certain direction in the type of content that I

want to produce we need to have this so we found a broker who kind of advertised himself as like look every YouTuber needs defamation insurance um if they're going to be publicly talking about news about like different topics so we get a hold of this guy and we say hey we want that so he goes great so he shops us around some insurance and we pretty immediately find some carriers who willing to take us because at the time our channel is much low uh smaller and I would just say it's like less risky so to speak because the smaller you are the less people are going to see it I it's just not as big of a risk so we get we get covered and in 2019 or 2020 we get our a seasoned assist letter from Dan lock okay I'm just trying to remember the year I'm not so clear about the years but I just remember we got a season assist from Dan lock it was one of our first and the guy shot up at our house really freaked us out he's like

hey, are you blah blah blah? I'm like, yes. He's like, ah, you know, not, you've been served, but like, here, this is, you know, aha, we got you. So I'm reading the cease and desist letter. It's very, like, angry, you know, lawyers use that language like, you have to respond, like, da da da, we're going to take, very, you know, heavy legal action against you. So we were freaked out. So I called my, uh, insurance and I was like, ring, hey, we're getting a cease and desist for defamation, can you help? They're like, yep, we cover that, that's the whole point of the stuff, that's why you got it. So we're going to, uh, get you a lawyer. So we got a lawyer, we fought the cease and desist. It ultimately turned into nothing. In fact, most cease and desist letters turn into nothing, but we were relieved, we were like, okay, great, this stuff works, it's very glad we have it. So we go the next year and it gets more expensive, significantly more expensive, this type.

of insurance because as you use it, they're like, Well, you're a risk now. Now that you've used the thing you paid for, we have to charge you a lot more for it. It's maybe like getting into an accident with car insurance, but what I find a little unfair about this is we did nothing wrong. Like, we didn't do anything. In fact, our claims, I think, were fair, and I don't think they were defamatory at all. But either way, the price goes up. We're happy to pay. We're like, Sure, we don't care. As the years go, our channel starts getting bigger, and the channel from an insurer's point of view gets more risky, right? They're like, You're bigger, you get more views, therefore more eyeballs see it, you need to pay more money. Always happy to do that, fine, whatever. At one point, the insurance company we had been using says, Okay, you know what? We actually don't want to do this anymore for whatever reason. You're not being renewed this year. So we go to our insurance

broker and we're like, okay, what do we do? He's like, well, I can shop you around a bunch of more policies. What do you want? And we're like, well, we just want similar coverage. He goes, great. So he goes around. They work with a bunch of people, and they're like looking for a while. We can start getting nervous. We start getting close to the deadline of when we have to renew. And because it's kind of a big deal, you don't want to lapse your coverage because then you say something it's not covered, whatever. So, finally, we're getting down to the wire. He's like, look, you know, I do have this one insurance company we can go to. I don't know, kind of like, eh, we can go to them. So we're like, yeah, dude, well, anything. Finally, he comes back. He goes, great news, they're going to do it. And we're like, oh, awesome. Is it more expensive? He's like, yeah, it's like, like 40% more expensive. We're like, we don't care, that's fine.

we'll pay it so he goes great uh sign this whatever and we're good. So we sign it and we're like great. Little did I know these guys had put um a special exclusion. Two exclusions actually that are relevant. Uh, the biggest one in this policy was on page like 31 and it said you know we are excluded from covering. It's all these things they won't cover. Um, they're like we won't cover defamation. Now that's the only reason we're buying the insurance but we don't see it. Now there's a lot of like whose fault is this. Is this the fault of the underwriter for not flagging it. Is it the fault of our broker for not telling us 'cause he's the expert. Is it our fault for not reading the whole all 50 something pages of the contract. We're not insurance experts but should we have read it. Should we have hired a lawyer, right. I'm not going to get into all of that in this video. The point is there is this um, there's this exception in the fine.

print that we never hear about, and there's also an exception from what they call like digital assets. Like it's like they're excluded from covering it if it's about digital assets. Now if you seen my content, all the videos are well not all of them, but a lot of videos are about some type of digital asset. So it's like they wrote a policy, charges 40% more, and then every single part of the policy is like just drawing a box where it's like we won't cover anything that this channel talks about. So anyway, I mean I guess that's good business for them if they can get people to sign it. And it was sent to us by our broker. They're like, they're like, Yeah, this is the only guy that'll cover you. Here's the only thing you can get. We're like, Okay, great. So we pay for this for like two or three years. I forgot the exact. I have to pull up the exact emails of like when we first signed with

these guys but um we pay like tens of thousands of dollars for this insurance that does not cover us after so now the whole Logan Paul stuff happens. We call our broker, they say no no no no. Uh call our broker, they file with the insurance company. The insurance company says no we're not going to do that. The broker starts freaking out. It's the first time they've heard of this, they had no idea. This is all in writing too, like it's actually crazy what they put in writing. They're like yeah we had no idea that this was part of the thing, we didn't know. So um yeah that's the that's the full story of what happened. I mean it's kind of tough because by the letter of the policy it's kind of like did the insurer do anything? I mean they just offered us a deal and we took it. So it's more like okay well the broker anyway we're talking to like people cuz we're like dude how can we pay tens of thousands of

dollars for insurance that doesn't insure the thing. We paid a broker to find us. It's like paying a broker to find you car insurance. And then they like sell you like car insurance that excludes any type of accident that includes something with four wheels like that. That's literally what this is like. But now we're in this crazy position where we're having to like talk to lawyers about if we need to like lawyer up versus the insurance company that's supposed to be paying for our lawyers in the other CA. Like it's so stupid. We're now having to be like wait no I think you scammed us. I um also to the broker like we're in this ridiculous situation where we should have had insurance to protect us if our insurance didn't pay up. Because now we got to talk to all these other lawyers too um yeah. It's so frustrating. And by the way not only are we now having to look at all our options for what to do about all this um I have to read you this dude. The

broker not only admitted he didn't know what was in the policy, he put in writing that the underwriter didn't know what was in the policy. So he says the quote an email from blank never mentioned that this exclusion was being, uh, removed. It's not common for agencies or underwriters to read through every line and exclusion of every policy we received. So while we could have checked the policy to see that defamation was excluded, some fault lies with the carrier for not disclosing this to us when it was quoted. What? So they're just pointing fingers at each other, but the person actually affected is us. So, um, and then, and then they also say they not only didn't know what was in my policy, they have apparently sold, may have sold this policy to other people. Uh, in another email, they say it looks like it's going to have to go up the ladder at the insurance company to find out why this wasn't disclosed to us earlier, uh, that this exclusion was in there. I've been told by the underwriter that this has his full attention. I think he might.

be really concerned because they have a few other accounts with this insurance company, and if this exclusion is on all of them, then it's going to represent a larger problem for their business. So this may have been sent to tons of people who think that defamation is excluded for them as well, and it like actually isn't. I just think it this is so crazy to me that we're um in this situation, but you know, uh, we are, and ultimately now we're selling shirts. I mean, that's how we got here, that's how we got selling this very cool, very nice shirt that you should definitely buy, uh, because I haven't even calculated how many shirts I need to sell to make up for this, but it's a lot, okay? So if you could help out, that would be very appreciated. Pre-order is for 14 days, I believe. We got this shirt, we got a lot more. You can go check it on the website, Coffeezilla Store, but either way, that is the story of how I got scammed.

yes me coffeezilla got scammed for a million bucks. We got Dylan Danis. We got fine printed, whatever you want to call it. Tough man, tough. Let me know if you have a similar story in the comments below because a lot of people I've talked to actually are like, Yeah, I've had the same experience with insurance. Not media insurance, but they're like, 'Yeah, I had paid for insurance that ultimately, I guess that's their job, is to not pay.' Like, they don't obviously, they don't make money from paying out a million dollars on a policy that they maybe got paid like 30k for, so they make money from not paying out claims. So I'm interested if you guys have stories below of times where you had something similar happen in your life. I want to know about it. Either way, thanks for watching. You can appreciate a little um, uh, pain at my expense. I'm laughing because we've, I've had a little bit of time to process this. It's almost been a full month now.

so sitting with this. Oh, actually a little over a month, so I can appreciate the irony of the situation. But when it first happened, let me tell you, I was not happy. I was sending some very angry emails. I was like, and yeah, that's basically it. Uh, don't forget, go get yourself a shirt, you know, thank you, Coffeezilla. I'm suing. I really, really got to sell shirts now. All right, goodbye.

i got scammed for $1,000,000

for other things that don't fit the main channel. 
if i had more time, I'd have made a shorter video.


voidzilla

보험 사기: 백만 달러짜리 속임수

연사는 미디어 보험이 백만 달러 규모의 소송을 보장해 줄 것으로 기대했지만 회사는 명예훼손 소송에 대한 보상을 거부했고, 연사는 충격을 받고 사기를 당한 기분이 들었습니다.

수만 달러의 보험료를 지불했지만 결국 이 보험은 도움이 필요할 때 아무런 도움이 되지 못했습니다.

이 유튜버는 소송으로부터 보호하기 위해 최대 100만 달러의 비용이 드는 오류 및 누락 보험에 가입하라는 권고를 받았습니다.

이 유튜버는 소송을 당했지만 보험으로 법적 비용을 충당할 수 있었기 때문에 결국 아무 일도 일어나지 않았습니다.

이듬해에는 보험 비용이 크게 증가했습니다.

부당한 보험 가격 인상 및 보장 제외

연사의 보험 회사는 정당한 청구에도 불구하고 보험료를 40% 인상하고 명예훼손에 대한 보상을 제외했습니다.

그들은 새로운 보험을 찾기 위해 고군분투하다가 결국 훨씬 더 비싼 보험을 수락했습니다.

새 보험에는 명예훼손에 대한 특별 제외 조항이 포함되어 있어 과실 여부와 법적 검토의 필요성에 대한 의문이 제기되었습니다.

디지털 자산 보장의 보험 딜레마

보험 정책에서 디지털 자산에 대한 보장이 제외되어 콘텐츠 제작자의 비즈니스에 큰 영향을 미쳤습니다.

브로커는 보험의 제한 사항에 대한 사전 지식이 없었기 때문에 예상했던 보장을 제공하지 않는 수만 달러의 보험에 가입하게 되었습니다.

이제 콘텐츠 제작자는 의무를 이행하지 않은 보험사를 상대로 법적 조치를 고려해야 하는 상황에 처했습니다.

브로커와 보험사가 보험 약관의 명예훼손 제외 조항을 공개하지 않은 것에 대해 서로를 비난하고 있어 피해 당사자가 곤란한 상황에 처해 있습니다.

현재 보험사는 동일한 제외 조항이 있는 다른 계정에도 영향을 미칠 수 있으므로 이 문제에 주의를 기울이고 있습니다.

피해 당사자는 이러한 상황을 만회하기 위해 셔츠를 판매하고 선주문을 통해 지원을 요청하고 있습니다.

백만 달러의 사기를 당한 커피질라의 경험

커피질라가 백만 달러의 사기를 당한 개인적인 경험을 공유하며 보험회사의 관행에 대한 불만을 표출합니다.

많은 사람들이 보험사가 보험금 지급을 회피한 그의 경험에 공감하며 댓글에서 토론이 이어졌습니다.

이러한 시련에도 불구하고 커피질라는 유머 감각을 잃지 않고 시청자들이 자신의 상품을 구매하여 그를 응원하도록 유도합니다.