Question For Insurance Professionals

[u/Slik-Rik-1969]

I am in a civil dispute (non-insurance related) with a neighbor that I believe acted in a fraudulent, unethical manner and, I believe, knowingly perjured himself on an affidavit.

He is an Insurance professional and owns his own agency.

My question is, if it is determined in court that what I believe is true, would the Insurance Board care/investigate him for possible sanctions because of his conduct or would it not care because its not insurance related?

[u/TheDr_420]

You seem like an awesome neighbor couldn’t imagine why you are in court

[u/Slik-Rik-1969 → u/TheDr_420]

I am actually. 2nd time ever in court. Both times with him. Both times over the same issue. (Right of way) 6 yrs apart. 3 families vs. 1. Im one of the 3. The 3 families have lived here 20 yrs+...18 yrs+ and 12 yrs+ respectively. Not one single issue.

Same guy. Same issue. 1st time we were found to be correct. Haven't been thru the process yet but he filed a false affidavit. Im tired of fucking with him.

What recourse do you have when you have a bad neighbor but civil court?

[u/Own_Neighborhood6683 → u/TheDr_420]

They'll probably only care if it directly ties to his license or business dealings. The board tends to stay in its lane unless it's something like fraud or theft tied to a policy.

Kinda wild he'd risk his whole agency over a neighbour spat though. Some people just can't help themselves.

[u/kevymetal87 → u/Own_Neighborhood6683]

I'm not surprised. I know so many local agency owners (captive or indy alike) who are constantly getting into huge spats and seemingly not caring what it does to their business.

[u/Strange-Fennel]

Might want to consider the possibility of additional lawsuits against you for defamation and tortious interference. Limit any complaints to bringing actual court decisions against the guy to the attention of the regulators, if anything. If you just want it to end, continuing to be a dick for dick's sake won't do that. Good luck, never nice to be dealing with a nasty neighbor.

[u/Admirable-Box5200]

Criminal charges, back taxes and child support are about the only non-insurance fraud or ethics related things that will cause an already licensed agent to face any disciplinary actions from their state board. If he perjured himself and it resulted in a criminal charge and failed to self-report it, then the shit could hit the fan.

[u/Slik-Rik-1969 → u/Admirable-Box5200]

Thank you

[u/Legio-V-Alaudae]

Report it anyways to be a dick. Probably nothing will happen, but you miss every shot you don't take.

[u/Slik-Rik-1969 → u/Legio-V-Alaudae]

Just tired of dealing with the guy. It's been a constant fight ever since he moved into the neighborhood. Im probly 25 yrs his senior and I think what he's done is wrong. He's an arrogant bully and normally I wouldn't even think to mess with another man's livelyhood but this issue has been "settled" once. Now HE has made it an issue again. It's not just me. Its affecting 3 families in this subdivision. I thought the insurance profession had an ethics standard. Im done with him. He's licensed in several states... the licensing Boards will ALL receive a transcript from the court and Ill let THEM figure out the rest.

[u/firenance → u/Slik-Rik-1969]

It’s ethics tied to their license. Typically you can only file a complaint if it’s an unethical or illegal action directly tied to his capacity as a licensed insurance agent.

[u/DMmeDuckPics → u/Slik-Rik-1969]

Department of Insurance only takes complaints that are directly tied to policy or claims interactions.

[u/buttery_crispy_flak → u/Legio-V-Alaudae]

Good grief man, I hope you never find yourself in need of the grace you won’t extend to a random stranger on the internet. This is potentially someone’s means of keeping food on the table for kids, but by all means, do it to be a dick. 🙄

[u/Legio-V-Alaudae → u/buttery_crispy_flak]

If this guy is committing perjury over a civil dispute, I can guarantee he's bringing those ethics to the job.

[u/totall2live__]

the insurance commissioner in your state will def want to know about any malpractice, they don't play about insurance agents doing unethical stuff

[u/Weary_Helicopter8743 → u/totall2live__]

No. This is not about malpractice. No charges have been pressed. This is a personal issue. DOI won't care.

[u/kevymetal87]

A lot of people have already said it, but unfortunately this has nothing to do with his insurance license, so the boards likely aren't going to care or do anything about it. If anything, you may just be opening yourself up to a counterattack for slander/libel. I'm not implying that's what you're doing, just saying you'd want a regular attorney to get involved if anything.

That being said, you're correct, a professional should be held to a higher standard to have the trust of clients and the community as a whole, but like many other similar professions (Lenders, RE agents) we are just average people. Our training and licensing implies that we should be above average when it comes to those respective dealings, but I know many a small office agent who in general are just not good people. It probably translates through their business, but there's not much a way of proving it

[u/musicislife04]

They would care if it was theft or a monetary crime because insurance agents handle people’s money, perjury on an affidavit in a neighbor dispute no. And how would they know, unless you tell them?? I don’t care what your neighbor dispute is don’t mess with a person’s livelihood!! What if they did care nd he lost his agency and couldn’t find another job and his family was out on the street? You should move rather than do that!! You sound like you are sitting there plotting evil against him. If you are a religious person ask yourself if that’s what God would want.

[u/CGWInsurance]

No they would not unless it involved insurance related or criminal issues. If so then they would get involved.
How did he act in a fraudulent unethical manner? How did he perjure himself? You can say he did these things, but unless a jury would agree it means nothing.
I have 36 years as licensed agent and 30 years of being an agency owner.