Insurance Policies, Claims, and Payouts

Chart of Insurance Payouts
North Carolina's Department of Insurance Investigation File
- Investigation File
  - Shenandoah Life (Life) [Bates 564-566]
  - Southland Life, Life of Georgia (Life) [Bates 567-581]
  - State Farm, Monumental Insurance Co., Wachovia Bank Risk Management, First USA (mortgage disability; auto, boat, and motorcycle; life; bank card and visa card) [Bates 582-591]
  - Blue Cross & Blue Shield, the Maryland Group (Auto accidents) [Bates 592-598]
  - The Maryland Group (Homeowners) [599-629]
- July 15, 1997: Report, Anne R. Mauney (NCDI), Interview, Patrick Pardee
- July 28, 1998: Report, A. R. Mauney (NCDI): Interview with Robert William Tidwell, witness on a change of beneficiary form for one of Patricia Kimble's insurance policies
- August 27, 1998: Anne Mauney, Witness for the State on rebuttal
  
  Patrick Pardee said Ted Kimble implicated his brother, Ronnie Kimble, not Rodney Woodberry.
Maryland Commercial Insurance Group
Acordia of North Carolina
Life of Georgia
Portamedic
Massachusetts Mutual Life
State Farm Insurance
- Report, John Appel: Interview Khalil (Charlie) Ganim, October 11, 1995 (Includes 5 Policy Status Statements)
- Charlie Ganim's Trial Testimony, August 14, 1998
Witnesses who testified about Patricia's concerns about the insurance
Witnesses who testified about Ted's alleged insurance scams or attempts to collect on insurance after Patricia's death
Witnesses who testified that Ronnie's motive was a share in the insurance money
- Louie Mitch Whidden, Jr. (Ronnie Kimble's co-worker and friend)
Statements by the State citing Insurance as a Motive
- Opening Statement August 10, 1998
  - Their investigation also centered upon the husband, because it came to their attention that the husband, Ted Kimble, had taken out a $200,000 insurance policy on her, September the 12th. A policy she didn't want, so he forged her name.
  - January of 1997, a fellow from Lynchburg, Virginia, by the name of Mitch Whidden, contacted the sheriff's department, and he says, "Ronnie Kimble has come to me, told me that he killed Patricia Kimble, his sister-in-law, has told me that he did it for greed, has told me that he did it for the money, for the insurance money." So, the insurance --
  - Mitch Whidden went down to Liberty University, to study for the ministry, and the defendant came there and visited him, and the defendant in confidence said to him, "I killed my sister-in-law. I did it for greed. Will it make any difference if I turn this money to God's service?" He hadn't gotten the money yet, but he was planning about it.
- Closing Arguments August 31, 1998
  - The evidence is clear that they were married in early '94. And by September of '94, knowing that Patricia had two life insurance policies, $25,000 each, he gets her to take out a third life insurance policy, another twenty-five thousand, for a total of seventy-five thousand. And with double indemnity, one hundred fifty thousand. And he gets her to transfer him as beneficiary instead of her mother in one of those policies. And about this same time, in November of 1994, he's talking to a real estate company, saying what would it take, what would it take for me to purchase the land that Lyles sits on. And you heard Mr. Routh testify: We talked, there was no firm agreement, but the price range was mentioned at a hundred eighty-five to two hundred thousand. Two hundred thousand. Does that number sound familiar?
    
    I submit and contend to you that Theodore Kimble was planning her murder. At the time he married her?
    
    Perhaps. But certainly when he started bringing this insurance on her.
    
    So in November of 1994, now she has three policies, total of seventy-five thousand. Double indemnity, a hundred fifty thousand. And in March of 1995, he goes to not one, but two other agents, looking for more insurance on Patricia. You heard Mr. Apple testify that he, representing Mass Mutual, filled out an application, I believe it was for a hundred thousand dollars, on Patricia. And Patricia showed up and refused to sign that application. Specifically said, I don't need more insurance. And Ted goes to State Farm and talks to them about another policy, knowing that Patricia, in March of 1995, had said she doesn't need insurance. And then September 12, 1995, just a few days before her death, what does he do? He contacts Mr. Jarrell, and says, I need an insurance policy. Another two hundred thousand dollars.
    
    And ladies and gentlemen of the jury, the evidence is absolutely clear that he forged her signature. Patricia told her friends he forged her signature. Ted told the detectives he forged her signature. Now, ask yourself, ladies and gentlemen of the jury, why does a man need all that insurance on his wife? Why does he forge a signature? There's only one reason: He's planning her death.
  - Within days after her death, three days, he hires an attorney to file a demand on the insurance company. And you've seen it. You heard Mr. Hendrix and Ms. Miles -- Mize talk about it. He filed a demand on the insurance company, a demand for that two hundred thousand dollars. Even though he knew there was no blood test, he hired an attorney to get that money.
    
    He called Mr. Sosnoff within three days of her death -- between her death and her funeral. He says, Mr. Sosnoff, I need that money. Process that claim. I need that $25,000. And he gets so upset when he finds out that it's Mrs. Blakley's money and not his that he calls Mrs. Blakley and tries to convince her, Give me that money. Patricia meant it for me.
    
    There is no question that he is the only one who could profit from her death.
  - Of course, you heard later on talk about a hit man. But use your common sense, ladies and gentlemen of the jury. Hit men, if they exist, aren't cheap, and hit men don't work on credit. You're not going to find a hit man that's going to say I'll kill your wife, and when and if you get the insurance money I'll take a cut. The only person that's going to do that is Ronnie Kimble.
    
    Mr. Hatfield said this two hundred thousand dollars life insurance policy is just not accurate. Ted signed her name with her permission. And in fact there are documents that will show that she was drafting a will to take care of that two hundred thousand dollars.
    
    Have you seen those documents?
    
    I submit today you haven't seen those documents because they do not exist.
  - So ladies and gentlemen of the jury, we're going to show that there was an agreement to commit a murder and that they intended it to be carried out, and in fact it was carried out. And we can show that by direct evidence, by the statements of Ronnie, by the statements of Ted, or by the circumstances here. All the information about the insurance; the fact that Ronnie did not have an alibi for that time frame.
    
    Because we know this murder was planned. We know it went back before June of '95, when he was trying to get all this insurance on her.
- Rebuttal Argument August 31, 1998
  - And a burglar would not have burned that house. There would have been no reason for him to burn that house. That house was burned for one simple reason. It was part of Theodore Kimble's attempt to defraud insurance companies.
  - Here is his proof of loss, ladies and gentlemen of the jury. Remember, this is an 80-thousand-dollar house. Remember, it's got approximately $60,000 worth of property in it.
    
    What does he claim? $247,842 in loss.
    
    The reason that house was burned was so that he could continue his insurance fraud.
    
    This is what he stood to gain, ladies and gentlemen of the jury: There was twenty-five thousand from her work; twenty-five thousand that she had originally; another twenty-five thousand that she got after she married Ted. Each of these had a double indemnity. Just before her death, he applied for another two hundred thousand dollars. And yes, he thought he was going to get it because that's why he hired an attorney. And he also expected to get, based upon his proof of loss, another two hundred forty thousand -- forty-seven thousand dollars. Of course, he'd have to pay off the mortgage, seventy-nine thousand, but he would still have lots and lots of money. And he would still have his cars paid for, free and clear. That was the motive for this killing.