No, Under no circumstances may an insurer or agent thereof intentionally "keep" your unearned premium payment. This would be a violation of the agents fuduciary obligations to the insured. However, if there was an outstanding balance due on your previous policy, then they are allowed to accept and apply that payment to the balance owed. Unearned premium payments whether they were made before or after the policy lapsed are typically returned to the consumer. Most state regulations specify 60 days or less to issue returns.
Insurance Agent's Entitlement to MoneyIs this a payment that was applied before renewal was up, or the actual renewal payment? If the agent took your renewal payment and did not renew your policy, then you need to contact the department of insurance in your state. That would be illegal.
The prior answer is entirely correct. What's more, if there is an intervening covered loss (after you made the premium payment to the agent) but the policy was canceled for non-payment of premium, you would be uninsured for the loss. Therefore, the agent may be liable for that which the insurer would have paid for the loss. The claim for the loss caused by the agent could, perhaps, be negotiated with the agent or his.her/its errors and omissions insurer. You may also have the basis for a civil suit against the agent on the same grounds. Furthermore, since insurance agents are licensed and regulated by State insurance regulators, a complaint could be made with the regulatory authority which would handle the matter administratively. This could result in the suspension or revocation of his/her/its license and part of the administrative action could involve monetary reimbursement for the loss..
if the owing party fails to follow though with payment
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To cosign a loan is to guarantee payment if the borrower fails to pay.
Yes, but with an exception. Your obligation is to pay the landlord the rent by a certain day of the month. If you choose to entrust the mail with the payment, you are using the Postal Service as your agent and if your agent fails, then you fail. However, if your landlord wants you to mail the rent to him, then the landlord has chosen the Postal Service as its agent. In that case, if the agent fails, it is the landlord, not the tenant who fails and the tenant cannot be held responsible. Check your lease. If it states that the rent is to be "received by" you have a duty to mail it with enough time for it to arrive promptly. If you do not take into account issues with the mail, you have not met the requirements. And the burden will be on you to prove that you mailed the rent, addressed it properly and affixed the proper postage to it. As there is normally no way to verify that a check has been mailed, the landlord may require that you pay your rent directly or through some intermediary. If a check could be lost or stolen, or does not arrive by the date due, the landlord may require that you replace it rather than wait for its arrival. If this is a repeated occurrence, it is likely that a non-postal payment method may be implemented.
loss of tax treatment
Call your insurance agent, which is most likely a local outfit. They will provide you with the name of your insurance company and also another copy of your policy. You can also go back through your records and see who you made the check out to when you paid for the policy. If all else fails, check your insurance identification card which should be in the glove compartment of your vehicle (if it is auto related). Good luck!
Search for a union relating to theatre. There will agents available through their site. if all else fails, google it
when a policy or procedure becomes ineffective it fails to meet the previous criteria.Complex procedures are unconstructive they lead to error.
No, but if the borrower misses enough payments, the cosigner will start getting collection calls as well.
30 days after the date of the move.
You can try your local council that should have housing that anyone can afford, or if that fails try your city's newspaper or even a real estate agent.
Check with a local agent www.nahu.org/consumer/termsofuse.htm If all else fails, there is State Disability For more info see www.SteveShorr.com/disability.htm