Search CompleteMarkets

... payment of medical treatment transportation expenses properly applies to the ...arding the fact of disability may be binding in other proceedings.

... A. Transportation - car, business mileage, personal...

... A. Transportation - car, business mileage, personal...

... move the account to a new market, contrast the previous and new carriers' coverages. If your client moves from one of the enhanced BOP programs to what's basically an ISO BOP, there are some significant differences in how coverage, if any, is provided. The same holds true when you move from a BOP to a CPP or vice versa. The ways in which signs, glass, transportation, off-premises coverage, etc. is provided are significant and need to be contrasted. If you move the account to another market, complete a revised coverage summary to go with the policy. Stress that this only a summary — and that the policy should be consulted for specific provisions and contract language. Where coverage differs, have the insured initial acknowledgment that he or she understands the difference. ... and gain control of the account. 2. Take notes when talking to clients. Organize the notes into a narrative in your file. Most agency automation systems allow you to document meetings and discussions — and with all of the electronic methods available today, there is on reason not to be able to properly document activity. When understandings, perceptions, and some kind of activity are involved (especially binding any coverage), confirm this in writing to the client. You can use e-mail, form letters, handwritten memos, personally written letters, and so forth; but always cover your tracks. Attorneys trying to establish your negligence will always want to know how you handle and document understandings. They try to establish inconsistencies in the way that you and your staff perform different functions. In many ...

...e ways in which signs, glass, transportation, off-premises coverage, etc. is p...because the agency made a mistake in binding or arranging coverage. The proble...

... depositor's bank is credited with the funds. The check is then sent to the remitter's bank, and the account is debited for the amount of the check. The time difference between crediting the payee's account and debiting the remitter's account is the float. Check settlement and processing go on 24 hours a day all across the country. Hundreds of millions of checks are processed every day. The checks are physically transported all across the country. Given all of this, it's amazing that the system works as well as it does. One thing this process can't do is detect counterfeit checks. Such detection is usually done by the payee before the check gets into the system or by the (alleged) remitter after the check has already been through the system. Before we had mechanical readers and computers, all ... have certain characteristics: The paper of a wiped check is never as flat and smooth as the original. The paper fibers absorb water and solvent during the wiping process and subtly shift positions, changing the feel of the check paper. In addition, wiped checks are usually passed as single checks; they are not in a book like normal checks. If they've been bound into a book, the binding material is usually gum, the same material used to bind cheap note pads. Sometimes, all of the pen ink isn't removed or the paper has indentations from the original writing on the check. In this case, ghost images of the original check are visible. Many new checks are printed on stock treated to react with wiping chemicals, leaving distinctive marks on altered checks. The Counterfeit Check ...

... to the agency or to a department within the agency. Interactive, transactional Web sites that allow the online visitor to do something, such as report a claim, request an ID card, report a car change, rate a new car option — not just with a free-form request, but by completing required data fields (probably via dialogue boxes) that will be viewable by agency staff and electronically transportable to the carrier and into the agency-management database. An interactive, productive Web site goes one step further and allows Commercial clients to complete the transaction with a print-product, such as an ID card, that they can print on their own printer or with a confirmation that notification (for a claim or for a policy change, for instance) has been transmitted to the carrier. Each of these ... (for instance, coverage on the new car or the higher limit being requested) . You'll forget what you're being asked to do by the time you get back to the office. You won't document the conversation, so it might be "creatively" remembered by the client later on to their own advantage. It won't be appropriate to ask the client for all the information that you need to bind coverage or resolve the issue. Recommendations Avoid these conversations by nipping them in the bud. Try humor. "My putter with the computer-relay chip back to the office hasn't come in yet. Might I call you as soon as I get back there Monday?" Then write a quick reminder to do so. Keep a scratch pad and pen or a palm pilot with you to note unstoppable ...

... to the agency or to a department within the agency. Interactive, transactional Web sites that allow the online visitor to do something, such as report a claim, request an ID card, report a car change, rate a new car option — not just with a free-form request, but by completing required data fields (probably via dialogue boxes) that will be viewable by agency staff and electronically transportable to the carrier and into the agency-management database. An interactive, productive Web site goes one step further and allows Commercial clients to complete the transaction with a print-product, such as an ID card, that they can print on their own printer or with a confirmation that notification (for a claim or for a policy change, for instance) has been transmitted to the carrier. Each of these ... (for instance, coverage on the new car or the higher limit being requested) . You'll forget what you're being asked to do by the time you get back to the office. You won't document the conversation, so it might be "creatively" remembered by the client later on to their own advantage. It won't be appropriate to ask the client for all the information that you need to bind coverage or resolve the issue. Recommendations Avoid these conversations by nipping them in the bud. Try humor. "My putter with the computer-relay chip back to the office hasn't come in yet. Might I call you as soon as I get back there Monday?" Then write a quick reminder to do so. Keep a scratch pad and pen or a palm pilot with you to note unstoppable ...

...ey've been bound into a book, the binding material is usually gum, the same ma...

... . Ownership of expirations or dollars of value A. Exclusively by agency? B. Exclusively by producer? C. Jointly by agency and producer - percentage owned by each? IV. Option to purchase agency interest - waiting period, conditions, limits, price, payment method V. Vesting of commissions - waiting period, schedule, value, exchange for ownership share VI. Employee benefits A. Transportation - car, business mileage, personal mileage B. Expense account - business, travel, moving C. Memberships - clubs, service organizations D. Group Benefits - what/which types available, who pays E. Retirement plans and stock options F. Contingency plan in event of death, disability, or divorce VII. Agency duties A. Pay compensation| B. Supply prospects - leads ... required (E & 0, Fidelity, Auto) limits, evidence of coverage, who pays F. Compliance with agency rules regarding: 1. confidentiality of client data 2. use of agency property 3. collecting and remitting premiums 4. attending agency meetings 5. educational requirements - what, when, how, who pays G. Limits of authority 1. dealing with customers and companies - binding, advancing premiums, underwriting, extending agency credit 2. incurring agency expense 3. hiring or firing support personnel II. Compensation A. Basic compensation 1. salary 2. commission - on new and renewal business 3. commission with a draw B. Participation in other agency income - bonus and contingent commissions, consulting fees, prizes and contests, discretionary bonuses C. When compensation is earned ...