 Advice on insurance please? |
| My friend and I are aged 48 and 55 and remortgaging our house. I have heard bad reports on endowments. What kind of insurance should we take out and could it include life insurance? We will be ... |
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 What exactly is a deductible and when do you pay that? |
| I have dental ins and want to go to the dentist, but I don't understand the deductible part and too embarrest to ask the receptionist.... |
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 Rental home question? |
| I rent my home. When we moved in, the owner stated that the deck would be replaced. It has not been done and we have lived here 1 1/2 years. It is in really bad shape. I need to know that if any ... |
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 What private health insurance company is the best for the price?? And what is coinsurance?? |
| I rencently got married and it is $300 a month to add a family plan to my husbands health insurance. We are looking for a cheaper way to insure me. We have found a few companies, but what does ... |
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 My whole life policy...I'm bloody confused.? |
| Should I keep this? Is this good? Whole Life --age 32 $8/month. 15K coverage--$500 avail loan ... |
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 My mother in law has life insurance policies on my husband and stepdaughter? |
| we are no longer speaking to her or having any contact with her at all. We no longer want her to have these policies, nor be the benefeciary. She started them and paid all of the premiums, we just ... |
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 Do i get liability cover for people working in my garden or do i need insurance? |
I have people working on clearing my garden . Am i liable if they have an accident or does my insurance cover it ? Are they suppose to insure themselves?
I just dont want to get sued
... |
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 Pre-existing conditions? |
| I was without health insurance from September 1, 2005 until July 31, 2006. Because I didn't have continuous creditable coverage, can my current health insurance deny me benefits for pre-existing ... |
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 How do you get health insurance ONLY for kids, not adding on to parent's plan? |
| I don't qualify for CHIP. My work insurance is great for singles, ok for married couples, terrible for families. We had insurance with Texas Children's Hospital for our kids and it was ... |
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 Can you claim life insurance of someone you are not related to? |
| I have a friend very old and she has a big life insurance policy currently I am helping her live and I am am paying for all her expenses. She has listed me as the claimer on the insurance when she ... |
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 Is it feasible to find 100 families to put $100 a month in a savings account to pay for medical expenses? |
| Its just an idea I had, wondered if it would work, if its legal, etc. My family has no health insurance, and I am sure that there are many other families out there in the same boat. We have no major ... |
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| How do you define double dipping on insurance? |
| I have 2 step kids. We have had insurance on them for over a year. We just switched insurance and their mother decided to put them on her new husbands insurance. Which now we have 2 insurance ... |
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 Should i get 20 year term or a 30 year term life insurance? |
| My husband and I currently have a 20 year term life insurance policy. We are switching companies because we were paying too much at State Farm. I'm 30 and he is 33 and we are both in very good ... |
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 Homeowners vs. Auto Insurance? |
| So last night a huge tree branch fell on my car in my driveway. My car insurance is expired and I'm wondering if my landlord's homeowners might cover it. The tree is on his property and ... |
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Daniel Patrick E | When a insurance agent of State Farm has the agency in his name . . . who actually owns the agency? |
State Farm has captive agents who have agencies in their names, along with the name of State Farm. For Example, John Jones Agent, State Farm & address. However, neither John Jones nor State Farm appear in the corporate records of the Secretary of State, nor does either name appear in the Tax Records of the County?
State Farm in Katrina claims . . . is telling the Courts that the named agents are actually the individuals who own these agencies . . . but these individuals do not show up in any public records . . . as the owners of the agencies or of anything else.
Who actually owns the agencies which State Farm's captive agents operate out of? How can we prove who owes these agencies . . . since State Farm is not telling even the Courts the truth?
Help needed from Katrina victims of State Farm. |
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jtobias17
 |
agents own the agency, they buy into the franchise much like owning a mcdonalds. but state farm is the insurer, the contract is between the customer and state farm, not the agent |
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raflorsheim
|
An agency is actually a form of separate business (it is a wholesaler which represents one party to negotiations - in this case, it represents State Farm), so the agents SHOULD be registered as owners of the agencies. Presumably the agents would have incorporated themselves to do this in order to avoid personal liability. State Farm would not own the agencies (although that doesn't mean they have no liability at all regarding the actions of those agencies, especially if it can be shown that the agents were acting at the direction of or according to the policies of State Farm).
This would certainly be the case in places like Mississippi, but Louisiana has a whole different basis for its legal system (based on French civil law, as opposed to all other states, which are based on English common law), so since I'm not an expert in civil law, if you are in Louisiana, you will probably need someone trained in that system of laws to help you. |
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David T
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Insurance agents are licensed through their state.
If you go to the State Farm website you can look for an agent in your area. Or enter that agent's name and it should bring up his information. |
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Judy1
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The agent owns the agency, and operates according to a number of rules set by State Farm. State Farm is the insurer and is responsible for paying the claims, although the agent facilitates the claim and handles much of the paperwork. |
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regerugged
 |
I have known and dealt with State Farm agents and with the company for years. Both the agents and company have always claimed that the agents are independent contractors. There are written agreements that can be claimed during the discovery process.
From what I have seen, it always appeared to me that agents acted as employees. I am sure this issue has been raised and challenged many times before. |
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John L. L
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The agents own their insurance agencies. But they are franchisees of State Farm, and have to conform to State Farm policies and practices in order to retain their franchises.
In the last analysis State Farm is the principal and its agents are, well ... agents (a legal term for those who represent principals and act under orders from their principals).
So the issue is not who owns the agencies. The issue is that the agents are merely representatives of State Farm, and are there to carry out its instructions. |
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rann_georgia
 |
Insurance agents in the U.S. are licensed by the state and as such really aren't wedded to one agency. They can work for any agency that will hire them. As I recall, State Farm used to have several rules regarding the writing of auto policies.
I'm sure that if it says John Jone's State Farm, John Jone's either owns or leases the building but I'm guessing he a franchise owner.
There have been so many claims that several insurance companies are trying every trick in the book to get out of paying claims. I read something about a company not paying claims because they claimed it was a flood that caused the damage.
I had been told a long time ago that insurance companies had heavily invested in real estate and we all know where that market has gone recently.
I think the way the people have been treated by the government (FEMA) and insurance agencies is criminal. |
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older than dirt
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Sounds like a bunch of franchises like MacDonalds and Bush is to blame for the problems where you are not your State reps It could happen again and I'll bet you are not ready! Instead of having a good old time in Afghanistan (what the heck is that all about?) Bin Ladin is not Afghani!!!!!!! the troops shuld be in the Southern States helping to restore the peace and well being of Americans who have suffered unbelievable hardships since Katrina
P.S. I am Canadian and Katrina was worse than 911 |
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