Exhibit B of the RICO Complaint: Hammel v. State Farm and the Amended Complaint
which will be followed in the Diary Page This is a complaint sent to The New Jersey Insurance Consumer Protection, under the New Department of Insurance. Copies were also sent to very many other places as well. It was written on behalf of Alan Bellamente because he was not physically capable at the time.

                 December 4, 1995
                COMPLAINTS AGAINST

             State Farm Insurance Companies:
             State Farm Indemnity Company
             40 West Century Road
             Paramus NJ 07652
             Jane Savastano, Sandra Romei, Veronica Wade,
             Idiana Murray, Dr. Sharad Wagle, Dr. Eric Fremed,
             individually and as agents, servants and/or
             employees of State Farm Insurance Companies:
             State Farm Indemnity Company.

             Dr. William C. Hammel
             219 Teaneck Road
             Ridgefield Park NJ 07660
             (201) 807-0652

     On behalf of
             Mr. Alan J. Bellamente
             219 Teaneck Road
             Ridgefield Park NJ 07660

     Dear Sirs:

          Whenever "State Farm" is  used  it  will  mean  "State  Farm
     Isurance  Companies:  State Farm Indemnity Company, their agents,
     servants and/or employees."

          On September 16, 1994, Mr. Bellamente and I were covered  by
     State  Farm  policy, number X14107-A12-30 covering a 1992 Mercury
     Grand Marquis, bearing New Jersey registration plates WH AB.   We
     had  elected  the  highest  priced  P.I.P. coverage possible; our
     policy  was  paid  up  to  date.   On  September  16,  1994,  Mr.
     Bellamente  and  I  were both injured in an accident while in the
     aforementioned vehicle.  As we were turning into our driveway  we
     were  struck  in  the  rear.  All appropriate filings and reports
     were made in a timely way.  Although we were both injured in this
     accident,   here,   it  is  Mr.  Bellamente's  injuries  and  his
     subsequent ill treatment and the lack of treatment about which  I

          I called the Ridgefield Park Police, and Mr. Bellamente  was
     taken   by   ambulance   to   Holy  Name  Hospital  with  nausea,
     disorientation and severe pain in his neck and  back.   Prior  to
     the  accident Mr. Bellamente showed no signs of the symptoms that
     became apparent after the  accident.   He  intended  to  see  his
     chiropractor  Dr.  Peter  N.  Boulukos as soon as possible, which
     turned out to be 10 A.M. September  17,  1994,  and  so  declined
     x-rays  at  Holy  Name  Hospital  since he knew that Dr. Boulukos
     would  take  an  entire  series.   Since  no  gross  fracture  or
     neurological  severing  was  apparent,  he  was released from the
     emergency room with a diagnosis of: auto accident, neck and  back
     strain,  acute  cervical  sprain.  His blood pressure was 160/70,
     pulse 92.  He was given no medication, and I drove him home.

          Chiropractic care seemed the  only  prudent  course  at  the
     time.   Mr.  Bellamente continued his chiropractic treatment on a
     regular  basis.   On  the  morning  of  November  10,  1994,  Mr.
     Bellamente's  right  foot failed to support him on the stairs and
     he fell.  State Farm claims (many of their claims and  assertions
     have  been  oral  to healthcare providers, not written and not to
     its insured,  namely  Mr.  Bellamente)  that  this  fall  is  not
     accident  related, yet Dr. Boulukos' own office notes and several
     letters, copies of which I have in my possession and are  in  the
     possession  of our attorney, explain that the flopping or lack of
     of control of the feet and "tripping" were clearly present  as  a
     result  of  the  accident  of  September  16, 1994 and documented
     before November 7 1994.

          Letters and  phone  calls  to  State  Farm  by  me,  by  Mr.
     Bellamente  and  by  Dr.  Boulukos  have  produced  no  response.
     Letters sent  to  State  Farm  have  consistently  been  lost  or
     misplaced,  or "not received", or simply ignored.  Phone calls to
     "Claims Specialists" produce no return calls.  A claim  file,  or
     so  I am told by the Claims Specialists, apparently takes days to
     find or retrieve.  The person whose name is on any correspondence
     is  always, on another line, not at her desk, not available, at a
     meeting, not in for the day, or has just left.  Repeated attempts
     at  contact  simply  resulted  in  surly  and/or  downright  rude
     responses from various secretaries or assistants.

          State Farm has simply issued edicts  and  commands  and  has
     been  otherwise  consistently  inaccessible  and evasive with any
     attempt to counter their assertions and denial of  benefits.   It
     is clear at this point that this intransigence must be dealt with
     through some other channel.

          There are two documents in support of this  complaint  which
     are  in  my possession and are in the possession of our attorney,
     that I find not only  distressing  but  outrageous.   State  Farm
     predicates  whatever  assertions  they happen to be making at the
     moment on these reports.  Not surprisingly, they are the  results
     of the "Independent" Medical Examinations demanded by State Farm.

          The report of Dr. Wagle, which I have in my  possession  and
     is  in  the  possession  of  our  attorney,  is based on a single
     interview that was of 20 to 25 minutes in length,  and  amazingly
     comes  through  errors of fact by leaps and bounds of illogic and
     non-sequiturs to exactly the conclusion that would be  wanted  by
     an insurance company who is conspiring to avoid their contractual
     agreements.  With regard to the psychiatric  interview  with  Dr,
     Wagle, Mr. Bellamente states:

          "The reason for my psychological treatment was a great  fear
          of  driving.   Yet,  in  order  to maintain my benefits from
          State Farm I took the earliest possible appointment with Dr.
          Wagle,  which  was  at  9:00  AM, in the middle of a time of
          great traffic.  By the time I arrived at Dr. Wagle's  office
          at the appointment time, I was already a nervous wreck.  The
          stress of driving in rush hour  traffic  had  left  me  with
          severe  pain  in my neck and burning in both shoulder areas.
          Upon meeting Dr. Wagle, I became  severely  discomforted  by
          the fact that he was of a kind with whom I am not accustomed
          to dealing in any way.  It was obvious that we  had  extreme
          cultural and philosophical differences.

          "I nevertheless attempted to treat him with dignity, as  any
          well  bred American would, despite the fact that my physical
          symptoms continued to worsen during  the  interview  to  the
          point  where  I had to excuse myself and put my head between
          my knees in an attempt to alleviate the pain.   I  explained
          what I was doing, to Dr. Wagle, since I do not know what his
          cultural background  implies  of  someone  who  deliberately
          withdraws  contact.   Only afterwards did it become clear to
          me  that this combination of factors affected  my  mind  and
          judgement  in a such a way that I inadvertently gave several
          erroneous statements.  I could  neither  think  clearly  nor
          remember  accurately.   Upon  returning  home, I immediately
          reported this disastrous  interview  to  Jane  Savastano  at
          State  Farm.  She gave me some weak explanation of how their
          doctors are selected and suggested  that  we  wait  for  the
          results   of   Dr.   Wagle's  examination  before  I  became
          needlessly upset.  I was dissatisfied and still upset, so  I
          called  Sandra  Romei, Savastano's supervisor who greeted me
          quite unctiously.  I told her that I was  dissatisfied  with
          the  examination  and  that  they  should  not  send  fourth
          generation  Americans  to   Doctors   whose   cultural   and
          philosophical  premises  preclude  the  proper evaluation of
          even a healthy American psyche, let alone one in difficulty.
          She arrogantly accused me of being prejudiced and refused to
          speak further with me on this issue.   I  assured  her  that
          prejudice  was  not  involved,  but rather an adult lifelong
          study of the premises on which various cultures  are  based.
          I  did  not know at that time that I had the legal right not
          subject myself to further examination once  I  realized  the
          already  biased  and  improper  nature  of  this  supposedly
          independent examiner."

          The last paragraph of Dr.  Kluger's  letter  to  State  Farm
     regarding  the  accident  of September 16, 1994 and the denial of
     benefits, which is in my possession and is in the  possession  of
     our attorney, states:

          "This [Dr. Wagle's report] is a very inaccurate report  that
          jumps  to  conclusions  based  on  wrong  information and it
          appears to me that Dr. Wagle was looking  out  for  his  own
          motivations  rather than to see that Mr. Bellamente continue
          to  receive  proper  psychological  care  for  his  accident
          related  symptoms.   The  patient is still suffering greatly
          and is currently in jeopardy of having a 'nervous breakdown'
          due  to  continued symptoms, both physical and psychological
          as  well  a  harassment   by   insurance   related   issues.
          Discontinuing treatment is a grave mistake."

          I am in complete agreement with Dr.  Kluger's  response  and
     conclusions  with  regard to the substance of Dr. Wagle's report.
     Since Dr. Kluger has seen Mr. Bellamente over  many  hours  in  a
     therapeutic context, I suggest that his professional knowledge of
     Mr. Bellamente's state  of  mind  is  considerably  better,  more
     accurate  and more detailed than Dr. Wagle's.  I propose that Dr.
     Wagle's report is in fact  a  specious  fabrication  designed  in
     collusion with State Farm to commit fraud.

          The report by Dr. Fremed which was based on  an  examination
     lasting   no   longer  than  15  minutes,  rather  interestingly,
     completely avoids the central issue that is the  very  conclusion
     of  Dr. Adam's report.  Dr. Adams' report, copies of which I have
     in my possession and are in the possession of our  attorney,  was
     based  on  an  exhaustive  and meticulous examination that lasted
     well over  2  hours.   Dr.  Adams'  conclusive  diagnosis,  after
     ordering  a  specially  tailored  MRI  of  the cervical spine, to
     eliminate any doubt, was that there was indeed an impingement  of
     C5-C6  intervertebral  disc on Mr. Bellamente's spinal cord which
     was caused by the accident of September 16, 1994.

          It is this condition of central  impingement  that  explains
     the various bodily pains, the foot flopping and parasthesias that
     Mr. Bellamente had been complaining of long before  the  fall  on
     the  stairs  November  10,  1994.   The fall was a result of this
     condition, and subsequently may have caused  an  exacerbation  of
     the  already existing condition of central impingement as well as
     the cervical radiculopathy  evidenced  by  the  electrodiagnostic
     studies of Dr. Jotkowitz, copies of which I have in my possession
     and are in the possession of our attorney.

          Dr. Fremed suggests in his report, copies of which I have in
     my  possession  and  are  in  the  possession  of our attorney, a
     possible peripheral neuropathy unrelated to the  accident.   This
     is  precisely what Dr. Adams' further blood and electrodiagnostic
     work has eliminated.

          Dr. Fremed states in his report section  entitled  "Physical
     Examination",  that the results of his various movement tests and
     pin prick tests were "clearly non-neuroanatomic in nature".   Dr.
     Adams  explains  that  a  central impingement (precisely what Dr.
     Fremed seems bent on denying) can cause  results  anywhere  below
     that  impingement.   Dr.  Adams  also  points  out  that vascular
     changes caused by the impingement  can  also  cause  neurological
     effects above the point of impingement.

          On page 2 paragraph 2 of his report, Dr. Fremed states,

          "I agree with the radiologist that  there  was  degenerative
          disc  disease,  most  prominent  at C5-6, and a mild central
          canal stenosis.  Bulging of the disc material was  noted  at
          multiple  levels, but no focal disc herniation or nerve root
          impingement was noted."

          Yet noted in the MRI report of August 3, 1995, which  is  in
     my possession and in the possession of our attorney, is,

          "At  the  C5-C6  level,  there  is  a  moderately   advanced
          degenerative  disc  disease with loss of disc height and T-2
          signal accompanied by end-plate osteophyte  formation  which
          is  asymmetric  to the left.  THIS CAUSES COMPRESSION OF THE
          CORD.   However,  there  is no DEFINITE evidence of abnormal
          signal within the cord at this level to suggest myelomalacia
          or   other   myopathic  condition.   THERE  IS  DEGENERATIVE
          LEFT." [Caps. - mine]

          An examination of Cervical MRI plates  shows  a  compression
     and  torsion  of  the  spinal  cord.   This  was  shown to me and
     explicitly explained by Dr. Rubin.  The various reasons that  Dr.
     Fremed  gives  for  saying  that "Mr. Bellamente's examination is
     indicative  of  intentional  embellishment  of   symptoms."   are
     perfectly  well understood otherwise, by accepting the concordant
     diagnoses of Drs. Adams, Pojedinec and Rubin, which happens to be
     supported by empirical and quantifiable evidence, copies of which
     are in my possession and are in the possession of our attorney.

          What is clear, is that Dr. Fremed's cursory  and  amateurish
     examination  is  rife with farce and folly and cannot, therefore,
     in any way,  be  compared  with  the  completely  scientific  and
     thoroughly  professional  examinations  of Drs. Adams, Jotkowitz,
     Pojedinec and Rubin, copies of each of whose comments are  in  my
     possession  and  in the possession of our attorney.  What is also
     clear is that the very cursory nature of Dr. Fremed's examination
     and  his  disrespectful  report,  has  done  and  continues to do
     physical,  emotional,  mental  and  financial   damage   to   Mr.
     Bellamente but has also certainly, at very least, has ingratiated
     Dr. Fremed to State Farm.

          As in the case of Dr. Wagle's report, Dr. Fremed also  comes
     to  exactly  the  conclusion that would be wanted by an insurance
     company who is conspiring to avoid their contractual  agreements.
     My  compliments  to Dr. Fremed for being a bit more artful in his
     dodge of the obvious truth.

          In Mr. Bellamente's examination by neurosurgeon  Dr.  Rubin,
     at  which  I  was  present  in  the  capacity of Mr. Bellamente's
     healthcare surrogate, I asked two questions, the answers to which
     I  am  not  about to forget.  First question: "Can you assess the
     probability that the diagnosis of central impingement is in  fact
     correct?" Dr. Rubin's answer: "In the 25 years that Dr. Adams and
     I have worked together, I have never  known  him  to  be  wrong."
     Second  question:  "Given  that the diagnosis is correct, what is
     the prognosis without the surgery?" Dr. Rubin's answer: "Think of
     Christopher  Reeve."  My  response:  "Delay  in  the surgery will
     probably worsen the condition." Dr. Rubin's response: "Yes,  most

          Apparently, finally realizing that they had no  grounds  for
     their  arbitrary  decision  to  deny  benefits,  they  decided to
     provide some.  In a letter from State  Farm  dated  September  21
     1995,  and  signed  by Idiana Murray, another "Claim Specialist",
     another demand  was  made  for  an  other  allegedly  independent
     medical  examination,  this  time  with  one Dr. Harry Merliss of
     Hackensack.  I decided to make extensive investigation that would
     be  statistically  significant  (I am a mathematician among other
     things) of the qualifications and reputation of Dr. Merliss among
     medical   professionals.    It   seems   that   every  healthcare
     professional  I  spoke  with  had  heard  of  Dr.  Merliss.   The
     comments,  all  beginning with a chuckle, ranged from "a favorite
     of the insurance companies", through various horror  stories,  to
     "old  Harry would say you were fine if you had no heartbeat", and
     "even judges laugh at that one".  All  responses  concerning  Dr.
     Merliss   were   of   the   same  kind,  with  not  one  response
     contradicting the  uniform  consensus.   On  the  basis  of  this
     consensus, I believe that State Farm, its agents, servants and/or
     employees knew, or certainly should have known  of  Dr.  Merliss'
     reputation;  and  I  further  believe  that  he  was  selected as
     examiner precisely for his reputation, and  that  his  reputation
     was  based  on  his  actions  in the past.  The obvious intent of
     State Farm, its agents, servants  and/or  employees  is  then  to
     obtain  a  medical  opinion upon which a continued fraud might be
     based and continued.

          Upon receipt of Idiana Murray's letter, I immediately called
     and  wrote  State  Farm  and  told  them  that  Dr.  Merliss  was
     unacceptable   as   an   examiner.    (I   maintain   phone   log
     documentation.)  When  I called Idiana Murray on this matter, she
     was, of course, very busy,  and  I  elected  to  speak  with  her
     assistant.  I was told by her rather insolent assistant that, "We
     decide who is acceptable." My response was, "That may be  but  it
     is  our legal right to refuse this particular examiner." To which
     she responded, "I'm not here to argue with you."  Then  she  hung
     up.   This  was  on  October  18,  1995.   But for another failed
     attempt at telephonic communication on October 20, 1995 that  was
     my last phone contact with anyone at State Farm.  To date we have
     not been contacted in any way by State Farm regarding any  future
     examinations.   Of  course,  no  bills  have been paid, including
     those from before the date of denial.  Payments  for  medications
     have  had  to  come out of our own rapidly diminishing resources,
     the continuing diminishment being caused by arbitrary  denial  of
     benefits and malicious fraud by State Farm.

          Because of the aforementioned severe mental problems, caused
     by  the  accident  of  September  16,  1994  and  the  continuing
     harassments and  deprivation  of  treatment,  both  physical  and
     psychological,  Mr.  Bellamente  had  to  resign  his position as
     conservator to his elderly aunt Edna M. Clough, to which  he  was
     appointed  by  the Supreme Court of the State of New York, County
     of  Nassau,  in  1988  and  which  paid  him  substantial  annual

          Mr. Bellamente and I both work at the same business, a video
     store  which  has  now become our only source of income thanks to
     the rather sick games being played by  State  Farm,  its  agents,
     servants and/or employees.  We must both work somehow, and decide
     on the basis of who hurts the least at  any  given  moment.   The
     financial  damages  caused  by  State  Farm, its agents, servants
     and/or employees, continue to accumulate.  The  physical  damages
     worsen,  and  the  stress  level  caused  by  having to deal with
     business, pain, the  intolerable  behavior  of  State  Farm,  its
     agents,   servants   and/or   employees  have  themselves  become

          I am, therefore, accusing State  Farm  Insurance  Companies:
     State   Farm  Indemnity  Company,  its  agents,  servants  and/or
     employees, of:

     1)   Intentional, premeditated and calculated Fraud;

     2)   Intentional, premeditated and calculated Breech of contract;

     3)   Reckless and premeditated endangerment of  Mr.  Bellamente's
          life, limb and well being;

     4)   Intentional,  premeditated  and  negligent   infliction   of
          irreparable physical damage;

     5)   Intentional, premeditated and negligent infliction of severe
          mental  distress and mental illness as defined in DSM IV, so
          as to require treatment and medication  by  a  physician,  a
          psychiatrist, a psychologist;

     6)   Intentional,  premeditated  and  negligent   infliction   of
          considerable financial damage, and;

     7)   Violations of the Fair Claims Act.

___________________________________     ___________________________________

    Dr. William C. Hammel                         Notary Public


          Mr. Bellamente suffers continued Impingement of  C5-C6  disc
     on  the  spinal cord, with worsening pain and parasthesia in both
     arms down to the hands.  He further  suffers  continued  cervical
     radiculopathy exacerbating and enhancing the above condition.  He
     further suffers worsening parasthesia in in the lower extremities
     and elsewhere in the neck and torso.

          Dr. Robert C. Rubin, neurosurgeon in this  case  has  stated
     that eventual prognosis with this condition is paralysis from the
     neck down.  The delay of the  necessary  surgery  caused  by  the
     unwarranted  denial  of  P.I.P.  benefits  that  State  Farm, its
     agents, servants and/or employees have caused by  its  continuing
     intentional,  premeditated  and  calculated  fraud,  has  already
     caused  considerable  and  irreparable  physical  damage  to  Mr.
     Bellamente  and  will  continue  to  cause  even more irreparable
     physical damage so long as their deliberate fraud is permitted to
     be perpetrated.

          Whenever "State Farm" is  used  it  will  mean  "State  Farm
     Insurance  Companies: State Farm Indemnity Company, their agents,
     servants and/or employees."

          The radiological and electromyeographic evidence as well  as
     the concordance of three experts Dr. David J. Adams, neurologist,
     Dr. Robert C. Rubin, neurosurgeon  and  Dr.  John  F.  Pojedinec,
     orthopedic  surgeon,  with  over  twenty-five years experience in
     this  particular  area  notwithstanding,  State   Farm   and   in
     Particular Jane Savastano, Sandra Romei, Veronica Wade and Idiana
     Murray have  continued  to  claim,  alternately,  that  there  is
     nothing  wrong with him, that he is faking, or that the damage is
     not accident related.  Evidence that none of this is true, is  in
     their  possession,  my  possession  and  the  possession  of  our

          Mr. Bellamente suffers persisting  pain  that  can  only  be
     partially  diminished  with  high  doses  of  prescribed powerful
     anti-inflammatory medications.  Continuation of these medications
     is   known  to  cause  possible  damaging  effects  on  both  the
     gastrointestinal tract as well as the liver and kidneys.

          The continuing impingements on both the cervical  nerve  and
     the  spinal cord itself requires surgical intervention; every day
     that this intervention is  prohibited  and  delayed  reduces  the
     chance  of  recovery  after  surgery,  worsens the damage already
     done, and increases his panic over the dire  prognosis.   Due  to
     the  Post  Traumatic  Syndrome  resulting  from  the  accident of
     September 16, 1994, which he does indeed suffer, contrary to  the
     confused report of Dr. Wagle, he has sought Psychotherapy and has
     taken a prescribed anxiolytic (klonopin) as well as a  prescribed
     antidepressant  (effexor),  the  long  term  uses  of  which  are
     unknown.  That the term of usage is longer and that the dosage is
     higher  is  a  direct  result  of the fraud perpetrated and being
     perpetrated by State Farm.  For in addition to the Post Traumatic
     Syndrome  resulting  from  the  aforementioned  accident  and the
     extension thereof deliberately caused by State Farm, there is the
     anxiety,   depression   and  inability  to  concentrate,  erratic
     behavior and confusion caused by malicious denial of benefits  to
     Mr.  Bellamente  and  the  panic caused by the uncertainty of his
     future physical state.

          These named agents, servants and/or employees of State  Farm
     have  conspired  with  malicious  and  intentional  negligence to
     inflict  on  Mr.  Bellamente,  through  State  Farm,   not   only
     continuing  physical  and  psychological  damage  and the growing
     irreparability  of  that  damage  and  pain,  that   leaves   Mr.
     Bellamente in a condition where the simplest necessary activities
     of life such as washing and cleaning leave him exhausted and with
     even  more  pain.   Since  September 16, 1994 he has lived with a
     level of mental distress, insomnia and anxiety and panic,  indeed
     mental  illness  as  defined  in  DSM IV, so severe as to require
     treatment by a psychologist, psychiatrist and  a  physician,  and
     severe  enough to demand prescribed medication in the form potent
     antidepressants and anxiolytics.

          When Mr. Bellamente no longer has the need  of  the  various
     medications   that  have  been  necessitated  by  the  malicious,
     deliberate, premeditated and  calculated  fraud,  and  there  are
     residuals  caused  by  these medications, we will hold State Farm
     Companies, State Farm  Indemnity,  its  agents,  servants  and/or
     employees collectively and individually responsible.

          It was Dr. Rubin's considered and expert opinion that if the
     surgery  were performed when it was to be scheduled, and that was
     in the last week of  September  1995,  that  there  would  be  no
     residual  consequences  of  the  existing  central  and radicular

          When the surgery is  performed,  we  will  hold  State  Farm
     Companies,  State  Farm  Indemnity,  its  agents, servants and/or
     employees collectively and individually, wholly  responsible  for
     such residual impairments.

          The combination of the results of the accident of  September
     16,  1994,  physical and mental damage, necessitating medications
     and denied surgery, together with the  additional,  physical  and
     mental  damage,  caused  by  State  Farm,  necessitating  further
     medications and  further  modes  of  physical  and  psychological
     treatment  has  left Mr. Bellamente unable to maintain occupation
     or any reasonable quality of life.

          Mr. Bellamente's mortage is being  foreclosed,  so  he  will
     shortly  have no place to live unless he relies on the charity of
     friends, and a consequent move from  the  state  of  New  Jersey,
     which  he  can  ill  afford  to  make, financially, physically or

          We  demand  immediate  reinstatement  of  P.I.P.   benefits,
     according to contract and the Fair Claims Act.

          We  demand  compensation,  beyond   and   excluding   P.I.P.
     benefits,  for  all damages already caused by the unwarranted and
     fraudulent actions of State Farm, and all  consequences  thereof,
     past,  present  and future, and that State Farm cease any and all
     perpetration of further fraud and damage immediately.


             Damages Incurred by any malfeasances
             due to his state of mind caused by
             mental, physical, emotional and
             financial abuses of State Farm          $ (unknown)
             Damages Incurred his Conservatorship    $ (unknown)
             Loss of Conservatorship Earnings        $  7500.00
             Loss of Home Equity on Forclosure       $ 15000.00
             Cost of Relocation                      $  6000.00
             Professional Services incurred by the
             fraudulence of State Farm               $  2500.00

             Subtotal:                               $ 31000.00 +

          We further demand  that  all  future  "Independent"  Medical
     Examinations  be mutually agreed upon, truly independent, and
     not fraudulent farces, as has been the case  hitherto,  with  the
     examinations by Dr.Wagle and Dr. Fremed.


             Upgrade Car rental during repair of Grand Marquis
             necessitated by Post Traumatic driving anxiety
             which precluded use of a compact car
                                                     $   393.90

             Prescribed Medications                  $  1224.68

             Subtotal:                               $  1618.58

                           UNPAID MEDICAL BILLS:

             Teaneck Radiology Center                $  4554.95
             Dr. Peter N. Boulukos                   $  5970.00
             Dr. Seymour E. Strum                    $   950.00
             Dr. Peter H. Schmaus                    $   170.00
             Dr. Albert Stabile                      $   240.00
             Dr. David J. Adams                      $   350.00*
             Dr. Seymore Jotkowitz                   $   250.00*
             Dr. John F. Pojedinec                   $   250.00*
             Dr. Robert C. Rubin                     $   147.00
             Dr. Gary Alweiss (Willner)              $   285.00
             Dr. Paul S. Sender                      $   275.00*
             Dr. Martin A. Kluger                    $  3315.00*

             Subtotal:                               $ 16756.95

             TOTAL:                                  $ 49375.53 +

     * Not Immediately available, and estimated

          We are demanding that  these  out  of  pocket  expenses  and
     outstanding  bills  be  paid  according  to contract together
     with the interest that is due according to law.

          We  further  demand  compensation  for  the  damages,  past,
     present  and  future,  done to Mr. Bellamente by the intentional,
     negligent, and malicious fraud perpetrated by State Farm, and any
     and all consequences thereof, past, present and future.

___________________________________     ___________________________________

    Dr. William C. Hammel                         Notary Public

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Created: August 13, 1999
Last Updated: May 28, 2000