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Man Accused Of Insurance Fraud After Sawing Off Persons HandSumter, SC – A South Carolina man has been accused of cutting off a person’s hand so he and two others could collect an insurance payout.

Back in May of 2008, the recession had kicked into high gear. People were losing their jobs, watching their investments dwindle and losing their homes. Perhaps the resulting desperation motivated the plan hatched by 34-year-old Gerald Hardin and two unnamed cohorts.

Federal investigators allege that Hardin used a pole saw, a small chain saw attached to a pole normally reserved for removing tree limbs, to saw off the hand of an accomplice. After a trip to the local emergency room, doctors unsuccessfully tried to reattach the extremity.

Conveniently, a member of the trio had the foresight to take out three death and dismemberment policies on their now-one-handed co-conspirator. After cashing in on these policies, along with a homeowners insurance policy settlement, the group netted over $671,000 which they divided between them.

It is unclear what spurred the investigation by the FBI, but sufficient evidence was gathered to result in them charging Hardin with six crimes, including mail fraud.

Hardin has since been released on $100,000 bail. His history of legal troubles, which include charges for assault, drugs, DUIs, and criminal domestic violence, will likely be noted by prosecutors as he faces up to twenty years in prison and a fine of up to $250,000. The insurance companies presumably would like their claims to be reimbursed, as well.

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Comments


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  • Andy P

    FUCKING OUCH.  How the hell did they decide who got to be the one with the cut off limb?  That’s one case where you don’t want to draw the short straw.

  • reapre

    I’d rather keep my hand than get 223,000 dollars.

    I would imagine that would hurt like a bitch to remove your hand with a motorized pole saw.

  • http://www.dreamindemon.com Morbid

    Everyone give GloomyGecko a hearty “hello and fuck you.” She has come to a point in her life where she has decided to try and write for us and fill in on the weekends. Lets see how long she lasts. :P  

  • HotReadingMama

    Hello and fuck you GloomyGecko.

  • http://truecrimereport.com iLLusionS

    The man willing to have his hand removed must have been an alcoholic or a crackhead….Since when do you think your problems are over with one hand and 200 grand? Your problems are just beggining…how you gonna light your crackpipe?

  • LeaveMeBe

    I really hope the guy who gave up his hand demanded a larger share of the moola. Then again, he probably isn’t that smart since he agreed to let these maroons chop his wand wanker off in the first place. *smh*

  • http://www.facebook.com/profile.php?id=818709360 Billy Madatchu

    i give these guys a b+ for creativity.. and also.. even though i don’t condone insurance fraud.. i sure don’t lose sleep over someone getting over on them lmao… but yeah… how do you even decide which hand to lob off.. maybe the dude had a weird cripple hand anyways… oh and hello and fuck you gloomy gecko! now if you’ll excuse me i gotta go take out 6 dismemberment policies on my neighbor because they have a wood chipper..

  • LeaveMeBe

    OH! And welcome Gloomy Gecko. :)

  • http://twitter.com/AngelsMom0806 Angels Mom

    I can’t think of any amount of money that I would rather have more then having my body parts…unless it’s a kidney. 

  • sugarpie

    Whoaaaa – Okay, we draw straws to see who gets their hand cut off.  Pretty f’n extreme there.

  • http://twitter.com/AngelsMom0806 Angels Mom

    Hello and PHUCK YOU GloomyGeco. Welcome aboard. :-)

  • soon2bmomof3

    why a whole hand and not just a finger? lame.

  • AnthonyMandich

    So what you are saying is that some guy agreed (without being coerced, threatened, tortured) to his hand being separated from his arm in order to be compensated 33.33% of $671,000? So many questions flood my puny mind its simply overwhelming.  Who decided who got the hand cut off?  Why did he agree?  Has he always been the last to get chosen for team sports and things of that nature? How did they decide that cutting off the hand was the best idea?  How did they arrive at that amount of insurance or whatever it was that they collected on?  What’s the guys IQ?  Did they give him a regional anaesthetic like a Supraclavicular Block  which  provides anesthesia to the upper arm, the elbow, the wrist and the hand so that the guy wasn’t in agony?  

    Holy Jumped Up Jesus Palomino….

  • Josh

    Sounds like good ole southern hospitality, can we take bets on how long she lasts?

  • Josh

    The doctor got the hand and the insurance co got the finger.

  • Josh

    Makes you think twice about agreeing when someone asks you to give them a hand.

  • JohnQknowitall

    If I would even participate for reasons that go beyond theirs, I would definitely back out if I got the short straw.

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

    I like money,but for unknown reasons I like my hands much more.

  • JohnQknowitall

    This act was about the stupidist I think I have read here. The best they could achieve was a bandaid solution and that eventually the money would run out, but I guess they figured they had 5 more hands to claim.

    When the money ran out, in reality,the one handed man had limited the types of jobs he could  make enough to support a mortgage and life’s necessities in the future. Dumb. Dumber. Dumbest.

  • Josh

    My ovaries hurt, I’d donate them to medical science… =)

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

    Writers seem to drop like flies on here …

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

     I’m keeping both of my kidneys as well – MINE,MINE,MINE.

  • Josh

    Your penis would get lonely otherwise….

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

    Hello  GloomyGecko,nice to meet you and I enjoyed your write up.

  • PlaysWithBalls

    I’d like to help you make those reasons known.

  • http://www.facebook.com/rachel.a.prince Rachel Ann Prince

    Hope it wasn’t the hand he jacked off with. It would suck having to learn to do that with your other hand. Unless you’re ambidextrous .

  • malq

    Joshes ovaries hurt. *Sigh* 

  • malq

    If kept the hand he could use it for that and it would feel like some strange.

  • GloomyGecko

    I feel so fuzzy from your warm fuckin’ welcome…it certainly brightens a dreary Monday morning. I’ve never done anything like this before so please be patient with me ;-)

    Hopefully, I’ll be around for a bit. My tolerance for crazy criminals and general madness is pretty high as I’ve worked for several years with future Dreamin’ Demon featured characters. 

    Thanks again, y’all!

  • sugarpie

    No shit, I’m with you.  Even the whole 671,000 wouldn’t be incentive enough, let alone splitting it. 

  • malq

     It’s not easy producing a quality article, and especially consistently.

  • malq

    I like the way he did it,. a pole saw. I  think that is a little chainsaw on the end of a long pole, used for trimming branches really high. have used a chainsaw basically all my life and having a healthy respect for sharp ripping teeth, methinks guillotine or an axe would be much sweeter. Plus, you would dull your chain on the bone. That is a big nono.

  • Josh

    Hard to resist an offer like that! =)

  • http://www.facebook.com/rachel.a.prince Rachel Ann Prince

     That’s funny lol.

  • http://justiceforcaylee.synthasite.com/ shyloh

    GloomyGecko   HELLO AND GREAT JOB!!!! <—– that's me shouting out to ya! ;0)

  • Josh

    Leave it laying around and his 2 buddies might get the same idea…

  • http://justiceforcaylee.synthasite.com/ shyloh

     Oh please. I am talented enough to use both hands.. BWAAAAA

  • http://justiceforcaylee.synthasite.com/ shyloh

     ”SNICKER”

  • Josh

    Skill is hands free.

  • DangerousKindOfSnark

    You should be against it. If you’re an honest consumer insurance fraud can increase your personal rates. Insurance companies base premiums off of many different factors, but claims in an area is part of that. I live in Florida where insurance fraud is a huge problem and it is estimated that is costs honest policy holders around 20 to 30 percent of their premium.

    http://financeforus.com/Insurance/Why_Insurance_Fraud_Hurts_Us_All_1304.html 

  • DangerousKindOfSnark
  • Josh

    I got a doctor good with that one once. I went in for allergies and when the lady came into the room asking why I was there I told her that. She had the deer in the headlights look and said I don’t even know how to respond to that.

  • CT

    Gives a whole new meaning to hand job, doesn’t it Cedric?

    OK, knowing what I know about AD&D coverage, he was fortunate to get such a high amount. Was being the key word here.

  • JGo555

    Dumbasses! All they had to do was put up tiles in a bathroom & chop their hand off by “accident”.

    They wouldn’t be in this predicament now, would they?

    However he’s a wife beater. I’m glad his ass will go to jail.

  • Josh

    Considering Dismemberment coverage works on a per member basis. One arm or leg would usually pay %50 of the coverage.

  • reapre

    20-30%?!  :( .

  • JGo555

    NO! York Peppermint Patties!

  • Andy P

    I don’t know all the details but I’m going to go out of a limb (get it) and say the answer to this particular question is probably NO:

    Did they give him a regional anaesthetic like a Supraclavicular Block  which  provides anesthesia to the upper arm, the elbow, the wrist and the hand so that the guy wasn’t in agony?   

  • JGo555

    He could take it on a date (get its nails done), a nice car ride (with seatbelt strapped) and at the end of the night he could get “lucky”.

  • NuttyFuzz

     On the other hand (pun intended), why not the whole arm?

  • CT

    I’m in HR – I deal with this sort of shit all of the time.  Our benefit is not as generous but we are not in the sort of industry where anything of these sort of things can typically happen.  Worse case scenario for me would be my head explodes from dealing with idiots.

  • CT

     Now come on, THAT would just be foolish talk. 

  • CT

     Someone has put some thought into this???

  • Andy P

    Of course there has to be more than one of these.  Thanks for the post.  Yeah apparently in the story you posted, they ID’d the guy as the one that bought the meat cleaver he used and they found anesthetic in the blood at the scene.  It amazes me how stupid criminals can be.  Now he is mutilated, he is in legal trouble and he didn’t get paid.  Trifecta fail.

  • Andy P

    Glad to hear there may be more frequent weekend write-ups (if that is the intent.)  I get all DD disappointed when I refresh the screen and there is no new tale of gloom and doom.  Welcome GloomyGecko!!

  • Josh

    What about chopping the toes off one foot? Then he could claim to have a foot and a half.

  • Josh

    If she becomes available anytime soon then possibly =)….

  • NuttyFuzz

    I think it was put best on The Simpsons:
    Indian: That’s crazy talk!

    Bart: No, it’s true.

    Indian: No, I know, that’s my brother, Crazy Talk.

  • JGo555

    Just sayin’…

  • DangerousKindOfSnark

    According to the National Association of Insurance Commissioners, Florida insurance consumers pay 56 percent more than consumers in other states for automobile insurance.

    Also, this has some informative info on how and why it affects the average consumer. 
    http://www.insurancefraud.org/fraud_backgrounder.htm 

    People need to remember that just like stores pass theft cost on to the consumer and restaurants pass increased food costs onto patrons, insurance carriers pass on the cost of fraud to the policyholder. Next time your gloating over someone getting one over on a company take into account that they also are screwing you over as well.

  • Josh

    Just tellin’…

  • newstarshipsmell

    Maybe he can find work as a stunt double in Kingpin 2.

  • http://twitter.com/AngelsMom0806 Angels Mom

    Do they? I’ve only noticed one missing. Did I miss someone? 

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

    Someone lend this man a hand.

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

     Go back a ways – you are only looking at recent writers.

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

     Move or get arrested,if you do the latter then please inform us.

  • CT

    I believe that you cannot get something for nothing.  My Dad on the other hand – no pun intended – felt differently.  In the long run, it never really got him anywhere.  He worked for the steel mills most of his adult life.  We had many an item that said – property of ….. in our home.  I have been know to say that part of the reason that the steel industry went belly up in our parts is because the employees robbed them blind.    

  • http://twitter.com/AngelsMom0806 Angels Mom

    I just assumed that they were guest writers.

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

    Hater,but thank you for being concerned about my – DICK      :)

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

    You say things that make a guy get all HOT and bothered.

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

    I agree.

  • DangerousKindOfSnark

    Don’t think it doesn’t happen in other states. Florida is just hit particularly hard. Here are the statistics for Texas…
    “Since companies divide the costs of claims among policyholders, fraudulent insurance claims drive premium costs up. Each year, insurance fraud costs consumers an estimated $150 billion, an average of almost $1,000 per family in additional insurance premiums.”

    http://www.tdi.texas.gov/pubs/consumer/cb044.html 

  • Wildheart

    I’ll say welcome GloomyGecko, but I don’t feel it appropriate to say Fuck You until I know you a little better. ;)   I come here every day to see if any of my ex-boyfriends have made it to the front page, but alas, they continue to disappoint.

  • Wildheart

    You mean I can claim that on my insurance??

  • CT

     Nah – AD&D (accidental death and dismemberment) coverage is a separate coverage. 

  • http://www.facebook.com/people/Jerri-Blank/100002828502192 Jerri Blank

    If anyone cuts off one of my limbs I wouldn’t share a dime with them. How would they take me to court on said scam with out me suing the pants off of them? 

    Geez cut your own damn limbs off people :-P

  • http://justiceforcaylee.synthasite.com/ shyloh

     No! Butter fingers!!!

  • Josh

    No concern here, mine is a full time job.

  • reapre

    Or maybe partial liver?  I’d only give up the kidney if it was a Nephew, or someone of young young age >10.

    Donating does come with a small percentage risk, however;

    http://www.dailymail.co.uk/news/article-1331175/Chad-Arnold-transplant-recipient-struggles-brother-Ryan-dies-giving-liver.html

  • Merlyn Sanchez

    I really don’t think the economy had anything to do with his. Or was the intro paragraph just an editorial?

  • malq

     You told me that last week! I am a dude..

    lol just fukin witya

  • malq

    LOL dude or chicka, whatever your ovaries say.

  • malq

     So you are a guy? I don’t want to get caught with my pants down chatting you up if you are. That would be extremely gay.

  • Edward Richtofen

     go fuck yourself.

  • Edward Richtofen

     hi

  • kimbev69

    Nj is the worst state with the highest rates they are so screwed up and the lawyers are in with the drs and judges its so friggen corrupt here esp with accidents being no fault the no threshold meaning u pay 50% more on liability to have the right to sue for non visible injuries otherwise u get verbal where u cant sue

  • kimbev69

    Brings to mind the only joke i know

    Maria being a cathlic girl and all has not been intimate with her husband, on the wedding nite they sleep in her room at her parents house, her husband removes his toupe, maria excuses herself goes down to see momma complaing how she had nO idea he was bald, mOmma tells her its nothing gO up and Perform your wifely duties, she goes up and sees his teeth in a glass in the bathroom she runs down to momma again horrified and again momma says “maria u are married go up and perform your wifely duties”, she goes back and he is sitting on the bed removing his socks and half of one foot is missing, she runs downtairs screaming momma he has a foot and a half, momma says ” maria you stay here ill go up” :0)

  • Lena60

    I wonder why the insurance company did not get suspicious off the git.. three policies were taken out .I wonder how long it took for them to recieve the cash pay-out?That would raise a red flag to me.

  • CT

    Yeah, I know.  You’d think that they would have safeguard in place or maybe most people work off the assumption that no one could be fucking dumb enough to cut off a limb for money.  

  • Josh

    Why cant a penis be 12 inches long?
    Because 12 inches is a foot.

  • Josh

    Mark decided to propose to Juanita, but prior to her acceptance
    Juanita had to confess to her man about her childhood illness. She
    informed Mark that she suffered a disease that left her breasts the
    maturity of a 12 year old. He stated that it was ok because he loved her
    so much.

    However, Mark felt this was also the time for him to open up and
    admit that he also had a deformity too. Mark looked Juanita in the eyes
    and said….”I too had a problem. My penis is the same size as an infant
    and I hope you could deal with that once we are married.”

    She said “yes I would marry you and learn to live with your infant size penis.”

    Juanita and Mark got married and they could not wait for the
    Honeymoon. Mark wisked Juanita off to their hotel suite and they started
    touching, teasing, holding one another… As Juanita put her hands in
    Mark’s pants she began to scream and run out of the room. Mark ran after
    her to find out what was wrong. She stated to Mark, “You told me your
    penis was the size of an infant!”

    Mark said, “Yes it is….. 8 pounds, 7 ounces… and 19″ long!!

  • Josh

    I’m just going to pretend I didn’t read that…

  • Deety

    And other than the occasional “I love you, you are amazing!”, the writers here get little more than abuse. We do try to make it quality abuse, though.

    Welcome to the FP, Gecko. We look forward to harassing you about your choice of words and punctuation. :-p

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

     lol

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

     HEEYYY  -  “Don’t mess with Texas”.

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

     LOL. LOL. LOL.

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

     HA !!!

  • http://pulse.yahoo.com/_XKMAEMPVJ5T2Y35HKYTNG7I6SY Cedric

     He is a guy … just kind of a weird one at times.

  • DangerousKindOfSnark

    Any state with no-fault coverage laws has tons of fraud. In Florida our no-fault is limited to 10,000 per person. 
    The scary thing is that the people who stage the accident usually only get a few hundred bucks out of the deal. The ones who make the money off the insurance coverage are the dirty lawyers and doctors. The accident-ees are recruited by people who work for the lawyers, the pills mills, and chiropractors. Once the docs and/or lawyers get the claims rolling they bilk it for the entire amount for each person claimed to be in the car at the time of the accident. It’s sick and selfish. People die during these staged accidents and yet it continues to happen.

  • kimbev69

    Disgusting

  • kimbev69

    Omg thats hilarious

  • kimbev69

    Lol

  • malq

     You opened the wound brother. LOl i couldnt let it slide, a few more days i will be over your ovaries comment.

  • onlyme356

    and there’s also the part about losing your hand

  • Josh

    You pussy hunting on here?

  • http://www.dreamindemon.com/forums/ Dakota Valkyrie

    A South Carolina man has pleaded guilty to a federal fraud charge in a scheme authorities say includes severed limbs.

    Gerald B. Hardin of Cayce admitted in federal court in Columbia on Tuesday that he was part of an insurance fraud scheme.
    [...]

    Hardin has agreed to help prosecutors. He faces up to five years in prison when he’s sentenced later.

    http://www.fox19.com/story/19331394/sc-man-pleads-guilty-in-grisly-fraud-case