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Case Notes

The following are instances in which licensees or other persons violated the Florida Insurance Code and the administrative action the department has taken against them.
Note: All administrative investigations are subject to referral to the Division of Insurance Fraud for criminal investigation.


Case:  An investigation of a customer representative was conducted on allegations she submitted numerous applications for insurance containing false information, conducted insurance business without an appointment, and failed to timely notify the Department of a change of address. 
Disposition: License revoked.

Case: An investigation of a general lines agent was conducted on allegations that she failed to forward over $130,000.00 owed to a premium finance company in a timely manner and failed to refund monies owed to an insured.
Disposition: License revoked.

Case: An investigation of an insurance agency was conducted on allegations that an officer charged unlawful agency fees for property and casualty insurance services.
Disposition: Probation for 12 months and a $1,750 fine.

Case: An investigation of an automobile warranty agency was conducted on allegations that it placed misleading advertising and failed to fully disclose in boldface-type the name, address, and license number of the service agreement company.
Disposition: $1,500 fine and required compliance for all future advertisements.

Case: An investigation of a life, health and variable annuity, and general lines agent was conducted on allegations he submitted homeowner's insurance applications to an insurer containing fraudulent information, failed to appoint a customer representative in his employ, and failed to provide a change of business address to the Department.
Disposition: Suspension for 18 months, cease and desist from any further fraudulent activity, among other requirements.

Case: An administrative complaint was filed against a surplus and general lines agent alleging, among other things, she failed to pay taxes, assessments and fees to the Florida Surplus Lines Service Office.
Disposition: Probation for 24 months, $750 fine, and payment to the Florida Surplus Lines Service Office of over $5,000.

Case: An administrative complaint was filed against a general lines agent alleging she misappropriated fiduciary funds.
Disposition: Suspension for 6 months, restitution of almost $6,000, and probation for 24 months upon reinstatement of her license.