OFFICE OF THE COMMISSIONER OF INSURANCE

Size: px
Start display at page:

Download "OFFICE OF THE COMMISSIONER OF INSURANCE"

Transcription

1 OFFICE OF THE COMMISSIONER OF INSURANCE

2 Agenda Renewals & Nonrenewals Agent Licensing Changes Financial Examination Recommendations Recently Introduced Bills 2

3 Renewals & Nonrenewals June 17, 2008 Bulletin Renewals Renewals with altered terms Nonrenewals Not effective if: Less than 60 days prior notice Not reasonably precise reason(s) No notice of risk-sharing plan 3

4 Terminations - Proper Notices NEW policies in their first 59 days: s (2) (c), Wis. Stat. 10 days notice to cancel Underwriting reasons Nonrenewal/Anniversary: s (4) (a), Wis. Stat. 60 days notice to cancel Underwriting reasons 4

5 Terminations - Proper Notices (Continued) Count full days of coverage, do not count the day: The notice is sent, or; Coverage ends at 12:01a.m. Include any required notices about the residual market (WIP/WAIP) s (7), Wis. Stat. 5

6 Mid-Term Cancellations s (2), Wisconsin Statutes Acceptable Reasons Nonpayment of premium Material misrepresentation Substantial breach of contractual duties, conditions, or warranties Substantial change in the risk 6

7 Nonpayment of Premium - NSF s (2), Wis. Stat. Done at any time during the term New policy If bound, must provide written notice of cancellation At least 10 days notice required Renewal policy If renewal notice states clearly the effect of nonpayment of premium, no further notice necessary 7

8 Material Misrepresentation Material is the key word Policyholder knew representation was false and either You relied on misrepresentation and it is either material or made with intent to deceive, or; Fact misrepresented contributes to the loss 8

9 Substantial Breaches Failure of a condition or breach of a warranty doesn t effect company s contractual obligations unless: Exists at the time of loss and either: Increases the risk Contributes to the loss 9

10 Substantial Change in Risk Couldn t have: Reasonably foreseen the change Contemplated the risk 10

11 Foreclosures Vacant Unoccupied Can you mid-term cancel due to: Impending foreclosure? Bank owned? Foreclosed but still occupied? Direct knowledge that vacant and/or unoccupied? When notified by neighbor, agent, or mortgage company that property is vacant and/or unoccupied? 11

12 Questions on Cancellations If in doubt about what action to take and whether it s in compliance, call OCI. We are willing to assist when possible. Complaints & Central Services (800) Rhonda Peterson (608) rhonda.peterson@wisconsin.gov 12

13 Agent Licensing Changes 2007 Wisconsin Act 169 Effective April 9, 2008 Continuous Renewal Last Day of Birth Month Failure comply with Continuing Education or Pay Fees Suspension Period Eliminated Automatic Termination Changes in process used for reinstatements 13

14 Agent Licensing Changes Pending Changes to Ins 6, 26 and 28 Designed to Modify Existing Rules to Conform with NAIC Model Requirements (National Uniformity) Notable Changes Fingerprint Requirement New Agents Expands Prelicensing Education Requirement to Allow for Online/Self-Study Courses Adds Additional Limited Lines of Authority Crop Change in Fees 14

15 Questions on Agent Licensing Laurna Landphier (608)

16 Financial Examinations Common Recommendations Policies and Losses Regulatory Documentation Investment Management 16

17 Policies and Losses Accuracy in premium accounting Document claims comprehensively and settle promptly Claims & Loss Reserves, & Reinsurance Manage underwriting properly Periodic inspections Signed undertakings 17

18 Regulatory Documentation Maintenance of Corporate Records Biographical sketches file with OCI Complete board and committee minutes Conflict of interest statements File escheat reports in a timely manner Business Plan tracking and updates Disaster recovery plan and EDP mgmt Properly report largest probable maximum loss on a single risk 18

19 Investment Management Develop a formal investment plan Proper controls over cash and checks Follow state regulations concerning custody of securities and investment advisors Comply with investment limitations and type reporting. 19

20 Financial Reporting Questions Peter Medley (608) Steve Junior (608)

21 Recently Introduced Bills Assembly Bill 24 Property Insurance Assembly Bill 185 Property Insurance Automobile Insurance Assembly Bill 121/Senate Bill 118 Automobile Insurance Assembly Bill 75 Budget Bill 21

22 AB 24 Applies to Property Insurance Policies Insurer must pay for any cosmetic modifications to undamaged portions of the property that are necessary to match the repaired, rebuilt, or replaced portion of the property that was damaged. In other words, items such as: Painting Siding 22

23 AB 185 Applies to: Motor vehicle insurance Property insurance, including renter s and homeowner s insurance Prohibits an insurer from considering or using information in an individual s credit report: For purposes of issuing or renewing a policy or setting policy premiums In rating plans as a rating factor 23

24 AB 121/SB 118 Applies to motor vehicle insurance Prohibits requiring a certain repair facility for repairing a motor vehicle Requires insurer to tell the insured or third party that: They may select any repair facility for a damage repair estimate or the repair The insurer will cover all reasonable and necessary costs of the repair regardless of which repair facility they select Requires insurer to ask if a repair facility has been selected and, if not, may then provide a referral 24

25 AB 121/SB 118 (Continued) Requires all insurance cards to state that insurers cannot require repairs to be made at a particular repair shop Requires insurers to pay for repairs at the same rate that the general public pays in that local market area Unless the insurer and repair facility have an agreement otherwise Prohibits insures from limiting the amount paid on the basis that the repair would have cost less if it had been made at a repair facility specified by the insurer. 25

26 AB 121/SB 118 (Continued) Prohibits an insurance adjuster from preparing a vehicle damage estimate or from altering one prepared by another party without first physically inspecting the damage to the vehicle Prohibits unilaterally and arbitrarily disregarding a repair operation or cost identified under a damage repair estimate system Requires auto body repair facilities and auto insurance claim facilities post a conspicuous notice and include in its estimates stating that insurers are prohibited from requiring that repairs be made by a particular repair facility 26

27 AB 75 - Budget Bill Auto Insurance Insurance Claim Intercept Joint & Several Liability 27

28 AB 75 - Budget Bill (Continued) Auto Insurance Proof of financial responsibility Current Minimum Limits 25/50/10 Proposed Minimum Limits 100/300/25 Uninsured Motorist (exempts town mutuals) Current Minimum Limits 25/50 Proposed Minimum Limits 100/300 Medical payments Current Minimum Limits at least 1,000 Proposed Minimum Limits at least 10,000 28

29 AB 75 - Budget Bill (Continued) Auto Insurance Underinsured Motorist Currently Optional Minimum limits of 50/100 Proposed Required Minimum limits of 100/300 Change in definition 29

30 AB 75 - Budget Bill (Continued) Auto Insurance Umbrella/Excess Liability, that provides auto liability coverage Currently Optional Uninsured & Underinsured Motorist Coverage Proposed Requires offer of Uninsured & Underinsured Motorist Coverage If not offered, policy reformed to include coverages 30

31 AB 75 - Budget Bill (Continued) Auto Insurance Uninsured Motorist Coverage Currently Requires contact between two vehicles Proposed Contact not required 31

32 AB 75 - Budget Bill (Continued) Auto Insurance Currently Following Provisions Allowed: Non-stacking of limits for: Liability Medical Payments Uninsured (UM) & Underinsured Motorist (UIM) Reduction of UM & UIM limits by payments under worker s compensation & any disability benefits laws Vehicle not described in the policy not covered Proposed None of the Above Provisions Allowed 32

33 AB 75 - Budget Bill (Continued) Insurance Claim Intercept Before paying an insurance claim of $500 or more, must check for: A medical assistance liability A support liability If one or more exist, then payment: 1st to Dept. of Children and Families 2nd to Dept. of Health Services If any money remaining, to the person 33

34 AB 75 - Budget Bill (Continued) Insurance Claim Intercept Types of insurance payments subject to the law Auto Casualty Liability Malpractice Worker s Compensation Types of insurance payments not subject to the law Life Property/homeowners Long-term care Health 34

35 AB 75 - Budget Bill (Continued) Recovery Actions in Negligence Cases Several liability Currently a person can be held liable for his/her percentage of negligence assigned Joint & several liability Proposed a person can be held liable for 100% if other negligent person or persons cannot pay 35

36 AB 75 - Budget Bill (Example) Recovery Actions in Negligence Cases Scenario: Party A - 20% negligent Party B - 80% negligent unable to pay Party C - Injured third party Current: Party A responsible for 20% of injuries Party B responsible for 80% of injuries Proposed: Party A responsible for 100% of injuries 36

37 Questions Jo A. LeDuc, CIE, MCM, CPCU Deputy Director Bureau of Market Regulation Office of the Commissioner of Insurance State of Wisconsin (608) On the Web at: oci.wi.gov 37

Minnesota Property and Casualty Insurance Producer Cross Reference Study Guide

Minnesota Property and Casualty Insurance Producer Cross Reference Study Guide Minnesota Property and Casualty Insurance Producer Cross Reference Study Guide This cross reference provides you with the exam outline for your state insurance exam and a reference code where the specific

More information

LOUISIANA DEPARTMENT OF INSURANCE STATEMENT OF COMPLIANCE POLICY FORM / RATE / ADVERTISING FILING

LOUISIANA DEPARTMENT OF INSURANCE STATEMENT OF COMPLIANCE POLICY FORM / RATE / ADVERTISING FILING LOUISIANA DEPARTMENT OF INSURANCE STATEMENT OF COMPLIANCE POLICY FORM / RATE / ADVERTISING FILING Insurer Name: Product Code: P0302-010000 NAIC #: Company Tracking #: Policy Holder Type: Filing Submission

More information

Your Exam Content Outline

Your Exam Content Outline Your Exam Content Outline The following outline describes the content of one of the Wisconsin insurance examinations. The outlines are the basis of the examinations. The examination will contain questions

More information

AMENDATORY ENDORSEMENT FLORIDA

AMENDATORY ENDORSEMENT FLORIDA This endorsement changes the policy Page 1 of 5 -- PLEASE READ THIS CAREFULLY -- AMENDATORY ENDORSEMENT FLORIDA 1. Under Common Policy Conditions, Cancellation is deleted and replaced by the following:

More information

Chief Clerk of the Assembly. Secretary of the Senate. Private Secretary of the Governor

Chief Clerk of the Assembly. Secretary of the Senate. Private Secretary of the Governor Assembly Bill No. 1200 Passed the Assembly September 9, 2009 Chief Clerk of the Assembly Passed the Senate September 4, 2009 Secretary of the Senate This bill was received by the Governor this day of,

More information

Review Requirements Checklist Commercial Inland Marine

Review Requirements Checklist Commercial Inland Marine FORMS Applications Filing Applications T11 NCAC 10.1201 (c) Applications or Declarations Pages that are used with Policy forms shall be submitted to and approved by the commissioner. Statements in Applications

More information

Review Requirements Checklist Professional Liability

Review Requirements Checklist Professional Liability FORMS Applications Filing Applications T11 NCAC 10.1201 (c) Applications or Declarations Pages that are used with Policy forms shall be submitted to and approved by the commissioner. Statements in Applications

More information

TEXAS INSURANCE PROPERTY AND CASUALTY - GENERAL KNOWLEDGE CONTENT OUTLINE

TEXAS INSURANCE PROPERTY AND CASUALTY - GENERAL KNOWLEDGE CONTENT OUTLINE TEXAS INSURANCE PROPERTY AND CASUALTY - GENERAL KNOWLEDGE CONTENT OUTLINE September 1, 2016 Exam Summary Property & Casualty Agent; 150 Questions, 150 Minutes Product Knowledge, Terms and Concepts (100

More information

SAMPLE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

SAMPLE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENTS OF POLICY PROVISIONS - MISSOURI TO OUR POLICYHOLDER To Our Policyholder is deleted and replaced by the following: This Automobile

More information

Objective Students will demonstrate knowledge of important insurance facts, concepts, principles and terms.

Objective Students will demonstrate knowledge of important insurance facts, concepts, principles and terms. OII LESSON PLAN INSURANCE BOWL GAME Overview This lesson will provide a competitive and fun method for students to learn important Ohio insurance facts, concepts, principles and terms. Can be formatted

More information

THE STATE OF FLORIDA...

THE STATE OF FLORIDA... TABLE OF CONTENTS I. THE STATE OF FLORIDA... 1 A. FREQUENTLY CITED FLORIDA STATUTES... 1 1. General Considerations in Insurance Claim Management... 1 2. Insurance Fraud... 4 3. Automobile Insurance...

More information

Review Requirements Checklist Personal Umbrella

Review Requirements Checklist Personal Umbrella FORMS Applications Filing Applications T11 NCAC 10.1201 (c) Applications or Declarations Pages that are used with Policy forms shall be submitted to and approved by the commissioner. Statements in Applications

More information

Review Requirements Checklist Farm

Review Requirements Checklist Farm FORMS Applications Filing Applications T11 NCAC 10.1201 (c) Applications or Declarations Pages that are used with Policy forms shall be submitted to and approved by the commissioner. Statements in Applications

More information

2017 HB 2104 UNINSURED AND UNDERINSURED MOTORIST COVERAGE AND INSURANCE SETOFF

2017 HB 2104 UNINSURED AND UNDERINSURED MOTORIST COVERAGE AND INSURANCE SETOFF kslegres@klrd.ks.gov 68-West Statehouse, 300 SW 10th Ave. Topeka, Kansas 66612-1504 (785) 296-3181 FAX (785) 296-3824 http://www.kslegislature.org/klrd To: Special Committee on Financial Institutions and

More information

Creation of Kansas Transportation Network Company Services Act; House Sub. for SB 117

Creation of Kansas Transportation Network Company Services Act; House Sub. for SB 117 Creation of Kansas Transportation Network Company Services Act; House Sub. for SB 117 House Sub. for SB 117 creates the Kansas Transportation Network Company Services Act (Act). The bill defines applicable

More information

CONNECTICUT CONNECTICUT INSURANCE GUARANTY ASSOCIATION THE CONSUMER S SAFETY NET. Forward

CONNECTICUT CONNECTICUT INSURANCE GUARANTY ASSOCIATION THE CONSUMER S SAFETY NET. Forward CONNECTICUT CONNECTICUT INSURANCE GUARANTY ASSOCIATION THE CONSUMER S SAFETY NET Forward Insurance the very word conveys the idea of conservatism, stability, and protection. We buy it to protect ourselves,

More information

BULLETIN OREGON MUTUAL INSURANCE GROUP TO: June 18, Personal Lines. All OMI & WesPro Oregon Agents

BULLETIN OREGON MUTUAL INSURANCE GROUP TO: June 18, Personal Lines. All OMI & WesPro Oregon Agents OREGON MUTUAL INSURANCE GROUP TO: All OMI & WesPro Oregon Agents DEPT: DATE: BULLETIN NO: June 18, 2007 Personal Lines 2054 SUBJECT: Personal Automobile Section III Uninsured/Underinsured Motorist Coverage

More information

REQUIRES TWO-THIRDS MAJORITY VOTE ( 16) MARCH 17, Referred to Committee on Commerce and Labor

REQUIRES TWO-THIRDS MAJORITY VOTE ( 16) MARCH 17, Referred to Committee on Commerce and Labor REQUIRES TWO-THIRDS MAJORITY VOTE ( ) * A.B. ASSEMBLY BILL NO. ASSEMBLYMEN ATKINSON, CONKLIN, KIRKPATRICK; AIZLEY, ANDERSON, BENITEZ-THOMPSON, BUSTAMANTE ADAMS, CARLTON, DIAZ, FLORES, FRIERSON, HOGAN,

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORISTS COVERAGE

SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORISTS COVERAGE IL U 007 07 07 SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTISTS COVERAGE AND OPTIONAL UNDERINSURED MOTISTS COVERAGE Policy Number: Policy Effective Date: Company: Producer: Applicant/Named Insured:

More information

BULLETIN. Number 08-B-06. All North Carolina Rate Bureau Member Companies

BULLETIN. Number 08-B-06. All North Carolina Rate Bureau Member Companies North Carolina Department of Insurance Jim Long, Commissioner BULLETIN Number 08-B-06 TO: SUBJECT: All North Carolina Rate Bureau Member Companies Guidelines for the Establishment of Escrow Subject to

More information

INSURANCE GUARANTY ASSOCIATIONS IN CONNECTICUT THE CONSUMERS SAFETY NET

INSURANCE GUARANTY ASSOCIATIONS IN CONNECTICUT THE CONSUMERS SAFETY NET INSURANCE GUARANTY ASSOCIATIONS IN CONNECTICUT THE CONSUMERS SAFETY NET Note: It is a prohibited unfair trade practice and a violation of state law for any person to make use in any manner of the existence,

More information

REPORT ON MARKET CONDUCT EXAMINATION. of the ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY. Northbrook, Illinois BY REPRESENTATIVES OF THE

REPORT ON MARKET CONDUCT EXAMINATION. of the ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY. Northbrook, Illinois BY REPRESENTATIVES OF THE REPORT ON MARKET CONDUCT EXAMINATION of the ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY Northbrook, Illinois BY REPRESENTATIVES OF THE NORTH CAROLINA DEPARTMENT OF INSURANCE as of July 25, 2011 TABLE

More information

BULLETIN OREGON MUTUAL INSURANCE COMPANY TO: February 23, California Regional Office. Commercial Auto Changes. All OMI California Agents

BULLETIN OREGON MUTUAL INSURANCE COMPANY TO: February 23, California Regional Office. Commercial Auto Changes. All OMI California Agents DEPT: SUBJECT: DATE: BULLETIN NO: 1855 February 23, 2004 California Regional Office TO: All OMI California Agents Commercial Auto Changes Early in 2003 we began writing Commercial Auto coverage in California

More information

Market Conduct Examination

Market Conduct Examination Market Conduct Examination Allstate New Jersey Insurance Company Bridgewater, New Jersey STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Office of Consumer Protection Services Market Conduct Examination

More information

FLORIDA DEPARTMENT OF FINANCIAL SERVICES

FLORIDA DEPARTMENT OF FINANCIAL SERVICES FLORIDA DEPARTMENT OF FINANCIAL SERVICES OFFICE OF INSURANCE REGULATION BUREAU OF MARKET CONDUCT TARGET MARKET CONDUCT EXAMINATION REPORT OF VESTA FIRE INSURANCE CORPORATION AS OF FEBRUARY 28, 2003 EXAMINERS

More information

PENNSYLVANIA SUPPLEMENTAL APPLICATION. MUST be completed if Auto Liability Coverage is requested

PENNSYLVANIA SUPPLEMENTAL APPLICATION. MUST be completed if Auto Liability Coverage is requested CANAL INSURANCE COMPANY INDEMNITY COMPANY PENNSYLVANIA SUPPLEMENTAL APPLICATION MUST be completed if Auto Liability Coverage is requested 1. Applicant Name 2. DBA, if any PENNSYLVANIA FRAUD WARNING WARNING:

More information

Chapter 10 Section 5

Chapter 10 Section 5 Claims Adjustments And Recoupments Chapter 10 Section 5 1.0 GOVERNMENT S RIGHT TO RECOVER MEDICAL COSTS The following statutes provide the basic authority for the recovery of medical costs incurred as

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS NEW HAMPSHIRE

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS NEW HAMPSHIRE PERSONAL AUTO PP 01 76 01 11 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS NEW HAMPSHIRE This endorsement amends your policy to make it the equivalent of

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

Lesson 4 Uninsured/Underinsured Motorists

Lesson 4 Uninsured/Underinsured Motorists Lesson 4 Uninsured/Underinsured Motorists Lesson 4 UM/UIM Intro p1 (PA) The next mini-policy of the Personal Auto Policy that we will study is Uninsured/Underinsured Motorists Coverage (UM/UIM). This coverage

More information

INSURANCE ADMINISTRATION

INSURANCE ADMINISTRATION LARRY HOGAN Governor BOYD K. RUTHERFORD Lt. Governor AL REDMER, JR. Commissioner NANCY GRODIN Deputy Commissioner INSURANCE ADMINISTRATION 200 St. Paul Place, Suite 2700 Baltimore, Maryland 21202 Direct

More information

Your Exam Content Outline

Your Exam Content Outline Your Exam Content Outline The following outline describes the content of one of the Arizona insurance examinations. The outlines are the basis of the examinations. The examination will contain questions

More information

Your Exam Content Outline

Your Exam Content Outline Your Exam Content Outline The following outline describes the content of one of the New York insurance examinations. The examination will contain questions on the subjects contained in the outline. The

More information

Referred to Committee on Commerce and Labor. SUMMARY Makes various changes relating to insurance adjusters. (BDR )

Referred to Committee on Commerce and Labor. SUMMARY Makes various changes relating to insurance adjusters. (BDR ) REQUIRES TWO-THIRDS MAJORITY VOTE (, ) A.B. ASSEMBLY BILL NO. COMMITTEE ON COMMERCE AND LABOR (ON BEHALF OF THE DIVISION OF INSURANCE OF THE DEPARTMENT OF BUSINESS AND INDUSTRY) PREFILED NOVEMBER, 0 Referred

More information

Florida Senate SB 1592

Florida Senate SB 1592 By Senator Thrasher 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 A bill to be entitled An act relating to civil remedies against insurers; amending s. 624.155, F.S.; revising

More information

THIRD PARTY RECOVERY CLAIMS

THIRD PARTY RECOVERY CLAIMS CLAIMS ADJUSTMENTS AND RECOUPMENTS CHAPTER 11 SECTION 5 1.0. GOVERNMENT S RIGHT TO RECOVER MEDICAL COSTS The following statutes provide the basic authority for the recovery of medical costs incurred as

More information

Senate Bill No. 818 CHAPTER 404

Senate Bill No. 818 CHAPTER 404 Senate Bill No. 818 CHAPTER 404 An act to amend Section 2924 of, to amend and repeal Sections 2923.4, 2923.5, 2923.6, 2923.7, 2924.12, 2924.15, and 2924.17 of, to add Sections 2923.55, 2924.9, 2924.10,

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

REPORT ON MARKET CONDUCT EXAMINATION. of the. VICTORIA FIRE & CASUALTY COMPANY Mayfield Heights, Ohio BY REPRESENTATIVES OF THE

REPORT ON MARKET CONDUCT EXAMINATION. of the. VICTORIA FIRE & CASUALTY COMPANY Mayfield Heights, Ohio BY REPRESENTATIVES OF THE REPORT ON MARKET CONDUCT EXAMINATION of the VICTORIA FIRE & CASUALTY COMPANY Mayfield Heights, Ohio BY REPRESENTATIVES OF THE NORTH CAROLINA DEPARTMENT OF INSURANCE as of April 14, 2011 TABLE OF CONTENTS

More information

REQUIRES TWO-THIRDS MAJORITY VOTE ( 16) (Reprinted with amendments adopted on April 19, 2011) FIRST REPRINT A.B. 299 MARCH 17, 2011

REQUIRES TWO-THIRDS MAJORITY VOTE ( 16) (Reprinted with amendments adopted on April 19, 2011) FIRST REPRINT A.B. 299 MARCH 17, 2011 REQUIRES TWO-THIRDS MAJORITY VOTE ( ) (Reprinted with amendments adopted on April, 0) FIRST REPRINT A.B. ASSEMBLY BILL NO. ASSEMBLYMEN ATKINSON, CONKLIN, KIRKPATRICK; AIZLEY, ANDERSON, BENITEZ-THOMPSON,

More information

LEGISLATIVE REVIEW. Van R. Mayhall, III Breazeale Sachse & Wilson LLP Act 7

LEGISLATIVE REVIEW. Van R. Mayhall, III Breazeale Sachse & Wilson LLP Act 7 BREAZEALE SACHSE & WILSON LLP LEGISLATIVE REVIEW Louisiana Insurers' Conference 2017 Compliance Seminar Van R. Mayhall, III Breazeale Sachse & Wilson LLP van.mayhall.iii@bswllp.com 225.381.3169 Act 7 House

More information

The Massachusetts Homeownership Collaborative

The Massachusetts Homeownership Collaborative The Massachusetts Homeownership Collaborative HOMEBUYER COUNSELING CORE CURRICULUM Section Objectives: To encourage participants to secure legal representation during the home purchase process To provide

More information

MASSACHUSETTS MASSACHUSETTS INSURERS INSOLVENCY FUND THE CONSUMER S SAFETY NET. Forward

MASSACHUSETTS MASSACHUSETTS INSURERS INSOLVENCY FUND THE CONSUMER S SAFETY NET. Forward MASSACHUSETTS MASSACHUSETTS INSURERS INSOLVENCY FUND THE CONSUMER S SAFETY NET Forward Insurance - the very word conveys the idea of conservatism, stability, and protection. We buy it to protect ourselves,

More information

COMMERCIAL AUTO TABLE OF CONTENTS

COMMERCIAL AUTO TABLE OF CONTENTS COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 9 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 17 Auto

More information

Assembly Bill No. 12 Committee on Commerce and Labor

Assembly Bill No. 12 Committee on Commerce and Labor Assembly Bill No. 12 Committee on Commerce and Labor CHAPTER... AN ACT relating to adjusters; requiring adjusters to complete certain continuing education; establishing standards of conduct for adjusters;

More information

(124th General Assembly) (Amended Substitute Senate Bill Number 97) AN ACT

(124th General Assembly) (Amended Substitute Senate Bill Number 97) AN ACT (124th General Assembly) (Amended Substitute Senate Bill Number 97) AN ACT To amend sections 3937.18, 3937.181, and 3937.182 of the Revised Code to revise the Uninsured and Underinsured Motorist Coverages

More information

Trike Property Management LLC Mailing Address: P.O. Box 11159, Milwaukee, WI Physical Address: 4125 N. Richards Street, Milwaukee, WI 53212

Trike Property Management LLC Mailing Address: P.O. Box 11159, Milwaukee, WI Physical Address: 4125 N. Richards Street, Milwaukee, WI 53212 Trike Property Management LLC Mailing Address: P.O. Box 11159, Milwaukee, WI 53211 Physical Address: 4125 N. Richards Street, Milwaukee, WI 53212 PROPERTY MANAGEMENT AGREEMENT GENERAL PROVISIONS Property

More information

CIVIL SERVICE EMPLOYEES INSURANCE COMPANY NAIC # CDI # CSE SAFEGUARD INSURANCE COMPANY NAIC # CDI #

CIVIL SERVICE EMPLOYEES INSURANCE COMPANY NAIC # CDI # CSE SAFEGUARD INSURANCE COMPANY NAIC # CDI # [THIS VERSION OF THE REPORT IS MADE AVAILABLE IN ACCORDANCE WITH CIC SECTION 12938] REPORT OF THE MARKET CONDUCT EXAMINATION OF THE CLAIMS PRACTICES OF THE CIVIL SERVICE EMPLOYEES INSURANCE COMPANY NAIC

More information

REMINDER OF REIMBURSEMENT OBLIGATION

REMINDER OF REIMBURSEMENT OBLIGATION REMINDER OF REIMBURSEMENT OBLIGATION Dear Participant: You recently submitted a claim form on which you indicated that you were injured in a non-work related accident. When the Fund pays benefits to you

More information

GENERAL INFORMATION. Lift Kit (suspension) Installation/Sales

GENERAL INFORMATION. Lift Kit (suspension) Installation/Sales Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY

More information

INTERNAL REGULATIONS PREAMBLE

INTERNAL REGULATIONS PREAMBLE COUNCIL OF BUREAUX CONSEIL DES BUREAUX INTERNAL REGULATIONS PREAMBLE (1) Whereas in 1949 the Working Party on Road Transport of the Inland Transport Committee of the Economic Commission for Europe of the

More information

TITLE DEPARTMENT OF BUSINESS REGULATION

TITLE DEPARTMENT OF BUSINESS REGULATION 230-RICR-20-40-2 TITLE 230 - DEPARTMENT OF BUSINESS REGULATION CHAPTER 20 - INSURANCE SUBCHAPTER 40 - CLAIMS PART 2 - Unfair Property/Casualty Claims Settlement Practices 2.1 Authority This Part is adopted

More information

Bulletin: Property and Casualty A

Bulletin: Property and Casualty A ROBERT L. EHRLICH, JR. GOVERNOR ALFRED W. REDMER, JR. COMMISSIONER MICHAEL S. STEELE LIEUTENANT GOVERNOR JAMES V. MCMAHAN, III DEPUTY COMMISSIONER P. RANDI JOHNSON ASSOCIATE COMMISSIONER P&C STATE OF MARYLAND

More information

As Introduced. 132nd General Assembly Regular Session S. B. No

As Introduced. 132nd General Assembly Regular Session S. B. No 132nd General Assembly Regular Session S. B. No. 169 2017-2018 Senator Wilson Cosponsor: Senator Eklund A B I L L To amend sections 3905.01, 3905.06, and 3905.40 and to enact section 3905.064 of the Revised

More information

Referred to Committee on Commerce and Labor

Referred to Committee on Commerce and Labor REQUIRES TWO-THIRDS MAJORITY VOTE ( ) S.B. SENATE BILL NO. COMMITTEE ON COMMERCE AND LABOR (ON BEHALF OF THE DIVISION OF INSURANCE OF THE DEPARTMENT OF BUSINESS AND INDUSTRY) PREFILED NOVEMBER, 0 Referred

More information

As Reported by the Senate Insurance and Financial Institutions Committee. 132nd General Assembly Regular Session Am. S. B. No.

As Reported by the Senate Insurance and Financial Institutions Committee. 132nd General Assembly Regular Session Am. S. B. No. As Reported by the Senate Insurance and Financial Institutions Committee 132nd General Assembly Regular Session Am. S. B. No. 169 2017-2018 Senator Wilson Cosponsors: Senators Eklund, Hackett, Hottinger

More information

Each submission must be made on an individual basis. Combined or consolidated reports will not be accepted.

Each submission must be made on an individual basis. Combined or consolidated reports will not be accepted. Florida Office of Insurance Regulation General Emergency Assessment Reporting (GEAR) Data Collection Form Number: OIR-DO-1688, (rev. 10/2007) If you have any questions during your submission process, please

More information

Examination Content Outlines Effective: January 1, 2019

Examination Content Outlines Effective: January 1, 2019 Minnesota Insurance Supplement Examination Content Outlines Effective: January 1, 2019 LIFE GENERAL KNOWLEDGE Product Knowledge, Terms, and Concepts (50 scored plus 10 pretest questions) I. TYPES OF POLICIES...

More information

Report of the Special Committee on Financial Institutions and Insurance to the 2018 Kansas Legislature

Report of the Special Committee on Financial Institutions and Insurance to the 2018 Kansas Legislature SPECIAL COMMITTEE Report of the Special Committee on Financial Institutions and Insurance to the 2018 Kansas Legislature CHAIRPERSON: Senator Jeff Longbine VICE-CHAIRPERSON: Representative Jim Kelly OTHER

More information

Section 6 Unfair Trade Practices, Unfair Claims Settlement Practices, the Need for Errors and Omissions Coverage, and the Golden Rule

Section 6 Unfair Trade Practices, Unfair Claims Settlement Practices, the Need for Errors and Omissions Coverage, and the Golden Rule Section 6 Unfair Trade Practices, Unfair Claims Settlement Practices, the Need for Errors and Omissions Coverage, and the Golden Rule States have implemented unfair trade practices acts. These acts attempt

More information

GENERAL INFORMATION. (b) Have you ever been cancelled or non-renewed for this kind of insurance? Yes No If yes, explain

GENERAL INFORMATION. (b) Have you ever been cancelled or non-renewed for this kind of insurance? Yes No If yes, explain Trailer Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY OF THE SOUTH

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

IN COURT OF APPEALS. DECISION DATED AND FILED April 27, Appeal No DISTRICT III MICHAEL J. KAUFMAN AND MICHELLE KAUFMAN,

IN COURT OF APPEALS. DECISION DATED AND FILED April 27, Appeal No DISTRICT III MICHAEL J. KAUFMAN AND MICHELLE KAUFMAN, COURT OF APPEALS DECISION DATED AND FILED April 27, 2004 Cornelia G. Clark Clerk of Court of Appeals NOTICE This opinion is subject to further editing. If published, the official version will appear in

More information

District of Columbia DISTRICT OF COLUMBIA INSURANCE GUARANTY ASSOCIATION THE CONSUMER S SAFETY NET. Forward

District of Columbia DISTRICT OF COLUMBIA INSURANCE GUARANTY ASSOCIATION THE CONSUMER S SAFETY NET. Forward District of Columbia DISTRICT OF COLUMBIA INSURANCE GUARANTY ASSOCIATION THE CONSUMER S SAFETY NET Forward Insurance - the very word conveys the idea of conservatism, stability, and protection. We buy

More information

Premium Dollars in Private Passenger Market

Premium Dollars in Private Passenger Market E ru Q Q 0\ Premium Dollars in Private Passenger Market - 2009 Over $11.9 billion in direct written premiums (3 rd largest market in the U.S.) More than 600/0 of the Florida market written by 10 insurers

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

FIS-PUB 0077 (6/15) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper

FIS-PUB 0077 (6/15) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/15) Number of copies

More information

Market Conduct Examination

Market Conduct Examination Market Conduct Examination New Jersey Skylands Insurance Company New Jersey Skylands Insurance Association Basking Ridge, New Jersey STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Office of Consumer

More information

WASHINGTON STATE LAWS AND RULES Washington Administrative Code (WAC) Title 284 Revised Code of Washington (RCW) Title 48

WASHINGTON STATE LAWS AND RULES Washington Administrative Code (WAC) Title 284 Revised Code of Washington (RCW) Title 48 WASHINGTON STATE LAWS AND RULES Washington Administrative Code (WAC) Title 284 Revised Code of Washington (RCW) Title 48 8-2015 The Commissioner is elected every four years by the voters of the State of

More information

Bill Pay User Terms and Agreements

Bill Pay User Terms and Agreements Bill Pay User Terms and Agreements First Community Bank hereby publishes the following terms and conditions for User's use of bill payment services via telephone, personal computer or any other device

More information

I. Individual Disability Policy Provisions 12 items

I. Individual Disability Policy Provisions 12 items Table of Contents I. Individual Disability Policy Provisions... 1 A. Uniform Mandatory Provisions... 1 1) The Entire Contract... 1 2) Time Limit on Certain Defenses... 1 3) Grace Period... 2 4) Reinstatement...

More information

Session of HOUSE BILL No By Committee on Insurance 1-19

Session of HOUSE BILL No By Committee on Insurance 1-19 Session of 0 HOUSE BILL No. 0 By Committee on Insurance - 0 0 0 AN ACT concerning insurance; relating to motor vehicle liability insurance; uninsured motorist coverage and underinsured motorist coverage;

More information

Your Exam Content Outline

Your Exam Content Outline Your Exam Content Outline The following outline describes the content of one of the New York insurance examinations. The examination will contain questions on the subjects contained in the outline. The

More information

CHECKING SLIP IMPORTANT FLORIDA AUTOMOBILE JOINT UNDERWRITING ASSOCIATION MANUAL

CHECKING SLIP IMPORTANT FLORIDA AUTOMOBILE JOINT UNDERWRITING ASSOCIATION MANUAL CHECKING SLIP IMPORTANT FLORIDA AUTOMOBILE JOINT UNDERWRITING ASSOCIATION MANUAL FL 2018 Revision 001 NEW PAGES ENCLOSED 2-3 2-10, 2-15 2-18, 5-5 5-6, 7-7 7-8, (c) SUPERSEDED REMOVE All previous Checking

More information

ALABAMA STATE INSURANCE LAW (CODE)

ALABAMA STATE INSURANCE LAW (CODE) Chapter Fifteen ALABAMA STATE INSURANCE LAW (CODE) OVERVIEW The purpose of this chapter is to acquaint the student with state specific insurance laws and regulations. State Government 1. The insurance

More information

Used Auto and Motorhome Dealer Application

Used Auto and Motorhome Dealer Application Used Auto and Motorhome Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

AFFIDAVIT REGARDING OTHER INSURANCE. BEFORE ME, on this day personally appeared [claimant], who first being duly

AFFIDAVIT REGARDING OTHER INSURANCE. BEFORE ME, on this day personally appeared [claimant], who first being duly Claimant Claim No. Estate Adjuster STATE OF TEXAS: COUNTY OF AFFIDAVIT REGARDING OTHER INSURANCE BEFORE ME, on this day personally appeared [claimant], who first being duly sworn did upon [his/her] oath

More information

COMMERCIAL AUTO TABLE OF CONTENTS

COMMERCIAL AUTO TABLE OF CONTENTS COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 8 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 15 Auto

More information

INTERNAL REGULATIONS

INTERNAL REGULATIONS COUNCIL OF BUREAUX CONSEIL DES BUREAUX INTERNAL REGULATIONS Preamble (1) Whereas in 1949 the Working Party on Road Transport of the Inland Transport Committee of the Economic Commission for Europe of the

More information

Ethics and Use of the Highway Transportation System. HED 302s Driver Task Analysis Dale O. Ritzel, Ph.D., FAASE

Ethics and Use of the Highway Transportation System. HED 302s Driver Task Analysis Dale O. Ritzel, Ph.D., FAASE Ethics and Use of the Highway Transportation System HED 302s Driver Task Analysis Dale O. Ritzel, Ph.D., FAASE Responsibility at the Scene of a Crash Injuries Other Roadway Users Emergency Personnel Revisit

More information

I. Individual Disability Policy Provisions 12 items

I. Individual Disability Policy Provisions 12 items Table of Contents I. Individual Disability Policy Provisions... 1 A. Uniform Mandatory Provisions... 1 1) The Entire Contract... 1 2) Time Limit on Certain Defenses... 1 3) Grace Period... 2 4) Reinstatement...

More information

NON-OWNED FOR HIRE AUTO LIABILITY POLICY

NON-OWNED FOR HIRE AUTO LIABILITY POLICY NON-OWNED FOR HIRE AUTO LIABILITY POLICY In this Policy the words "You", ''Your'' and "Yours'' refer to the Assured named and shown in the Declarations page of this Policy."We," "Us" and "Our" refer to

More information

ASSEMBLY, No STATE OF NEW JERSEY. 211th LEGISLATURE INTRODUCED MAY 17, 2004

ASSEMBLY, No STATE OF NEW JERSEY. 211th LEGISLATURE INTRODUCED MAY 17, 2004 ASSEMBLY, No. STATE OF NEW JERSEY th LEGISLATURE INTRODUCED MAY, 00 Sponsored by: Assemblyman NEIL M. COHEN District 0 (Union) SYNOPSIS Revises the "New Jersey Surplus Lines Insurance Guaranty Fund Act."

More information

CONFERENCE COMMITTEE REPORT BRIEF SENATE BILL NO. 14

CONFERENCE COMMITTEE REPORT BRIEF SENATE BILL NO. 14 SESSION OF 2017 CONFERENCE COMMITTEE REPORT BRIEF SENATE BILL NO. 14 As Agreed to April 7, 2017 Brief* SB 14 would amend the Insurance Code to create a limited line of insurance for self-service storage

More information

COMMERCIAL AUTO TABLE OF CONTENTS

COMMERCIAL AUTO TABLE OF CONTENTS COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 8 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 14 Auto

More information

Wisconsin Hospital Liens: Collecting from Third-Party Liability Insurers Post Gister v. Am. Family Mut. Ins. Co.

Wisconsin Hospital Liens: Collecting from Third-Party Liability Insurers Post Gister v. Am. Family Mut. Ins. Co. Wisconsin Hospital Liens: Collecting from Third-Party Liability Insurers Post Gister v. Am. Family Mut. Ins. Co. Timothy W. Feeley, Esq. Hall, Render, Killian, Heath & Lyman, P.C. 111 East Kilbourn Avenue,

More information

Market Conduct Examination

Market Conduct Examination Market Conduct Examination CHUBB INSURANCE COMPANY OF NEW JERSEY Whitehouse Station, New Jersey STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Division of Insurance, Office of Consumer Protection

More information

CASUALTY TERMS, PROVISIONS AND CONDITIONS

CASUALTY TERMS, PROVISIONS AND CONDITIONS CASUALTY TERMS, PROVISIONS AND CONDITIONS Casualty Insurance is that type of insurance that is primarily concerned with losses caused by injuries to persons and the legal liability imposed upon the insured

More information

A CONSUMER GUIDE TO AUTO INSURANCE INSURANCE ADMINISTRATION

A CONSUMER GUIDE TO AUTO INSURANCE INSURANCE ADMINISTRATION A CONSUMER GUIDE TO AUTO INSURANCE INSURANCE ADMINISTRATION TABLE OF CONTENTS Introduction...1 How to Shop for Auto Insurance....1 What Factors Impact Rates?...5 What Discounts are Available?....8 Basic

More information

GENERAL INFORMATION. Lift Kit (suspension) Installation/Sales

GENERAL INFORMATION. Lift Kit (suspension) Installation/Sales Automobile Service s Application COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY OF

More information

YOUR GROUP POLICY. This is your Group Policy. We feel certain that you will be pleased with this new format.

YOUR GROUP POLICY. This is your Group Policy. We feel certain that you will be pleased with this new format. YOUR GROUP POLICY This is your Group Policy. We feel certain that you will be pleased with this new format. Your Group Policy consists of: a policy shell containing general provisions relating to policyholder/insurance

More information

Economy Preferred Insurance Company. North Carolina Automobile. Age 55 and Over Deviation (See Rule 4.H.2 Optional Rating Characteristics)

Economy Preferred Insurance Company. North Carolina Automobile. Age 55 and Over Deviation (See Rule 4.H.2 Optional Rating Characteristics) Age 55 and Over Deviation (See Rule 4.H.2 Optional Rating Characteristics) The Age 55 and Over Deviation applies to the premium for those vehicles that meet the following conditions: (1) the assigned operator

More information

External Account Transfer Agreement July 16, 2014

External Account Transfer Agreement July 16, 2014 External Account Transfer Agreement July 16, 2014 Welcome to Altra Federal Credit Union s External Accounts Transfer Service. With this Service, you may transfer funds from your Credit Union account(s)

More information

Hull & Company, LLC Tampa Bay Branch PRODUCER AGREEMENT

Hull & Company, LLC Tampa Bay Branch PRODUCER AGREEMENT Hull & Company, LLC Tampa Bay Branch PRODUCER AGREEMENT THIS PRODUCER AGREEMENT (this Agreement ), dated as of, 20, is made and entered into by and between Hull & Company, LLC, a Florida corporation (

More information

TERMS AND CONDITIONS

TERMS AND CONDITIONS TERMS AND CONDITIONS 1. Agreement; Modification of Terms. These terms and conditions (the Terms ) apply to all orders for, and all sales and rentals of, all equipment ( Equipment ) described in the quotation,

More information

Application for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability (E&O)

Application for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability (E&O) Application for Claims Made Insurance Policy for Insurance Agents and Brokers Professional Liability (E&O) RENEWALS: Please review this application, along with all applicable supplements and attachments

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

Insurance Basics. Shauna LaBeau, M.S. Finance Program Coordinator

Insurance Basics. Shauna LaBeau, M.S. Finance Program Coordinator Insurance Basics This program is made possible by a grant from the FINRA Investor Education Foundation through Smart Investing@your library, a partnership with the American Library Association. Shauna

More information

IN THE CIRCUIT COURT OF THE FOURTH JUDICIAL CIRCUIT IN AND FOR DUVAL COUNTY, FLORIDA. Plaintiff, v. Case No. COMPLAINT

IN THE CIRCUIT COURT OF THE FOURTH JUDICIAL CIRCUIT IN AND FOR DUVAL COUNTY, FLORIDA. Plaintiff, v. Case No. COMPLAINT Filing # 77225632 E-Filed 08/30/2018 09:49:32 AM IN THE CIRCUIT COURT OF THE FOURTH JUDICIAL CIRCUIT IN AND FOR DUVAL COUNTY, FLORIDA OFFICE OF THE ATTORNEY GENERAL, STATE OF FLORIDA, DEPARTMENT OF LEGAL

More information