Consumer Watch: How well do you know your insurance agent?

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by Andy Treinen

WHAS11.com

Posted on November 2, 2011 at 6:03 PM

Updated Wednesday, Nov 2 at 6:22 PM

(WHAS11)  This week’s Consumer Watch asks the question, “How well do you know your insurance agent?”  It comes after several people tell us they paid a man a down payment for coverage that was never sent to the company.  They called Consumer Watch’s Andy Treinen and Andy answered.

Keith Johnson is one of several people who were sold a fake insurance policy from a guy named Mike.  Some of Keith's co-workers also paid $250 cash for what they thought was a year’s worth of Safe Auto insurance coverage.  “They sent me a letter saying your check didn't go through, so I don't know how he's doing it to make it seem like it was a check,” explained one man.

Johnson says he doesn't know Mike's last name and he only communicates by text and cell phone, but because he and about 8 family members got Safe Auto paperwork in the mail, he thought they were covered.  "My sister and [them] been scammed on this insurance fraud and I just wanted to get to the bottom of it, because my sister had an accident and they didn't cover it," explained Johnson.

It takes customers a while to learn that they've been scammed.  Some never find out that they've been scammed; this guy (Mike) only takes cash payments, then he sends a check to the company that he knows is going to bounce.  By the time it does, the company has already sent paperwork back to the customers.

There is an example of some of that paperwork from people who thought they were playing it safe, but a representative from Safe Auto told us the policy number doesn't exist.  "$250 is not easy to lose, for [nobody], so I don't have $250 dollars to throw away; so like I say, he's got me and a few other people, you know, I just want my money back," said Johnson.

Getting money back from Mike is not likely since nobody knows where to find him.  He is not a licensed Safe Auto agent and he's not taking calls. "Sorry that mailbox is full. Please call again later," was the message we heard.

If you have a consumer problem you’d like us to look into send an e-mail to consumerwatch@whas11.com
 

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