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OKLAHOMA
Next Chapter 15 Meeting will be Thursday April 3rd 11:30 AM
SHANGHAI AVENUE SUPER BUFFET 803 N. Aspen
Next to Arvest Bank @ S/E corner of S. 145 East Ave (Aspen)
& E. 71st St (Kenosha) Broken Arrow. Chinese - Japanese - American Foods
Accepts all major credit cards.
Non-UFAA Members Welcome.
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The First Amendment to the U.S. Constitution
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Residential & Commercial Roof Repair & Replacement. www.redriverroofing.com info@redriverroofing.com 05/14
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"It's great that UFAA Tech can access my computers and correct the problems via the Internet. Better yet, it's free as members get 1 hour monthly of free UFAA tech support." UFAA Member
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Reminder-
We need all Okla. Voice Readers
to vote in Pulse of the Agent Polls in this issue.
Poll voting activity has dropped over the months. We need your poll vote to increase poll accuracy showing the real pulse of the agents on specific issues. Thanks in advance - ed
Remember, the Oklahoma Voice only tracks the numbers of readers that click on a poll. We DO NOT know (1) If you voted or (2) How you voted. (3) We only know that you reviewed the poll question(s)! You must click on one multi-choice answer (takes 7 seconds) before the poll results are displayed. to return to the Okla Voice, just "X" out of the poll window.
Monthly Meeting
Join us April 3rd 11:30 AM at the Shanghai Avenue Super Buffet for the UFAA Chapter 15 Monthly Meeting. 803 North Aspen S/E Corner of S. 145th East Ave & E. 71st St. next to Arvest Bank
Message From the President:
AGENDA For Apr. 3rd Chapter 15 Meeting Guest Speakers: Red River Roofing Rob Coulter Tree Service
Topics:
Legislative Conference end of April in OKC who will attend
What DM's are saying to agents. Bring your comments.
Auto & Home changes coming
Agency purchases with new & questionable 2014 Addendum
NON-MEMBERS ARE WELCOME
If you plan to join us for lunch, Please Arrive for Lunch Promptly @11:30
UFAA Meeting begins at Noon.
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"I did not realize what UFAA was or what they could do, until I started attending chapter meetings & annual conventions sharing information with agents across the U.S." UFAA Member
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FGI Property Claims Ranking Improves in JD POWER 2014 Satisfaction Study
KEY FINDINGS  - Overall satisfaction with non-catastrophic claims has increased by 11 index points in 2014, compared with 2013 (843 vs. 832, respectively). - Overall satisfaction improves in four of the five factors year over year, while satisfaction with first notice of loss is the same as in 2013. The greatest increase in satisfaction is in the settlement factor (+4 points). - When insurance companies effectively communicate with claimants, those claimants are less likely to escalate their claim to a supervisor. When a supervisor becomes involved, overall customer satisfaction drops by more than 160 index points. - Timeliness of the communication also plays a role in whether or not a claim gets escalated. For example, if the settlement terms are provided to the claimant within one day of first notice of loss, only 6 percent of customers escalate the claim. The rate of escalation increases to 13 percent if the claimant is informed within one week and increases to 18 percent if it takes more than one week.- Nearly one-fourth (23%) of Gen Y claimants escalate their claim to a supervisor, compared with 8 percent of Boomers.
Posted on Farmers Dashboard by Paul Quinn, VP Claims March 4, 2014: Farmers' focus on customer experience is bearing real results in a new J.D. Power Property Claims study, where Farmers moved up considerably from the previous year's mark and landed near the top of the rankings. Farmers Property Claims' score climbed 15(?) points to 845, a result five points above the industry average and nine points higher than State Farm and Allstate. Farmers Property Claims now sits atop the second tier of property insurers on the survey's final results. "It's very encouraging, and it shows what we can accomplish when we have a specific focus," said Assistant Vice President, Claims, Paul Quinn.
The 2014 Property Claims Satisfaction Study is based on more than 5,500 responses from homeowners insurance customers who filed a property claim between April 2012 and January 2014.
KUDOS To Farmers Claims
Great results in Farmers Property Claims Satisfaction. The Oklahoma Voice congratulates all Claims Personnel who made this happen. But, it's not necessary for Paul Quinn to fudge the tier ranking as being in second tier of the satisfaction rankings. It's no biggie but, shown above, Farmers climbed from near the bottom of the third tier in 2013 to the top of the 3rd tier in 2014 while remaining at JD Power 3 Power Circle ratings both years.
Math is again a problem this month with Farmers, as Quinn stated Farmers score climbed 15 points to 845. Well, Farmers was 825 in 2013 so, my calculator says it was a 20 point climb to 845. Still, this is a shockingly great accomplishment and we sincerely hope this is the great beginnings of a turn around in all that Farmers does, including competitive rates across all territories as an immediate priority. Agents can't wait much longer. Our savings are being depleted. -ed []
Oklahoma Judge finds Farmers guilty of "oppression, fraud, actual and presumed malice, and that they acted with complete indifference to its duty to treat the plaintiffs fairly."
The same day Farmers posted their JD Power results and their property claims bragging rights on Dashboard, breaking news comes from Oklahoma's backyard regarding Farmers Property Claims Fraud against 3 Farmers/Foremost Policyholders from the 2012 Woodward, Oklahoma tornado. |
 Woodward County Judge Rules:
Farmers Insurance to pay [$15] million to [3] Oklahoma Tornado Victims
Farmers Guilty of Oppression, Fraud, Malice & Indifference.
 | | Click pic -Video: News Chan 4 KFOR Oklahoma City 03.04.2014. |
News Channel 4 Oklahoma City, OK with video -click camera man.
WOODWARD, Okla. March 4, 2014- A Woodward County judge awarded three plaintiffs, whose homes were damaged during a [2012] recent tornado, a massive settlement against Farmers and Foremost Insurance companies. After their homes were damaged in the Woodward tornado two years ago, the residents filed the lawsuit, claiming Farmers acted in bad faith. They say the company did not give them the money they were entitled to under their policies. Linda Louthan said, " Blatant disregard for their policy holders. They're not there to carry you through."
Jeff Marr, the plaintiff's attorney, said, "Greed and corporate arrogance and indifference and that's what this was."
Sterling Parks said, "They're there for one reason is to make money and they're not worried about their policy holders." Parks had Farmers Insurance when the storm hit but was forced to take out a second mortgage to fix his tornado damaged home.
Louthan had to move into a rent house and has been paying both rent and mortgage.
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This judgement against Farmers went viral across Oklahoma news networks via the Associated Press. Here are a few of the local and national articles. Tulsa World KSWO Lawton Insurance Journal P/C 360
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And Mary Sharpe couldn't afford to move. They've stayed in their damaged home and patched it as they could. Sharpe said, "Our home was cracking, it still is cracking. Our electricity is going out. I smell burning wires at times." In all, the three plaintiffs were awarded $15 million last week. The judge consolidated the three cases and awarded them a default judgement against Farmers. He then awarded each plaintiff $2 million in actual damages and $3 million in punitive damages. Linda Louthan said, "We were stunned, but we were excited." Mary Sharpe said, "We were just like what does that mean? Is he joking?"
Sterling Parks said, "I didn't know what to think."
Jeff Marr, the plaintiffs' attorney, said, "These people are going to have brand new homes and they're multi-millionaires now, or will be, because of the way they were treated."
According to the court transcript, the judge found Farmers guilty of "oppression, fraud, actual and presumed malice, and that they acted with complete indifference to its duty to treat the plaintiffs fairly."
Marr is convinced this wasn't an isolated situation with Farmers Insurance. Marr said, "No change, no accountability, no apology, no nothing. So we'll take the verdict as our apology." In fact, he's convinced Farmers Insurance acted the same way after the tornado in Moore, OK last year and he is already representing some of the victims from that storm. Luis Sahagun, director of media relations for Farmers Insurance, sent us this statement in response to the verdict. "We are reviewing the court's decision and evaluating our options."
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If you wish to be excluded from future mailings please let us know by emailing us at ufaa15editor@ufaa.com or by using the Unsubscribe feature at the located within this document. Disclaimer - The Oklahoma Voice is published twelve times per year for the United Farmers Agents Association, Chapter 15 Northeastern Oklahoma. The United Farmers Agents Association and the editor neither assumes any responsibility for the accuracy of the articles or advertisers, nor any liability arising from reliance upon them. The Oklahoma Voice expresses its appreciation to the many members who assist in and support its publication,. Opinions in the Oklahoma Voice do not necessarily express the views of any single member or Chapter officer or UFAA organization. Products and services advertised are not endorsed by this Chapter or United Farmers Agents Association, Inc. Complaints or inquiries should be forwarded directly to the advertiser. All purchases and services are at the complete discretion of the consumer. Trademarks and/or logos are the respective products or trademarks of their respective owners. |
| | Click cameraman above for 2nd video on this ongoing issue. |
Cleveland County Judge: Denies Farmers' motion to
limit pretrial publicity
(This is in progress trials of litigation by Moore, Ok tornado victims)
MOORE, Okla. March 14, 2014 - A Cleveland County judge denied a motion by Farmers Insurance to limit pretrial publicity on several cases brought against them by Moore homeowners.
These homeowners hired local attorney, Jeff Marr, to represent them in their lawsuits and the motion by Farmers claimed Marr is not adhering to a professional code of conduct when talking about them.
Farmers attached 8 different exhibits to their motion, all stories done here at News Channel 4.
"These cases are news. They were news when these people were subjected to the storm and they're news now," said Marr.
One comment that really seemed to tick Farmers off came during one of our stories here on News channel 4; a comment labeling the insurance company as a bunch of "bullies."
It came after the head of Farmers Media Relations did a Skype interview with us. "We're very bullish on the state of Oklahoma. And we want to do what's right by our customers," said Mark Toohey with Farmers Insurance during the Skype interview.
"Well I think they're bullies. They got that part right," responded Marr.
Cleveland County judge, Thad Balkman, denied Farmers motion in a hearing Thursday afternoon.
"In every case that I have against them, one if filed, primarily because they don't like seeing these people's stories on TV," said Marr. Marr says they should be less concerned about bad pretrial publicity and more about post-trial publicity, especially after a recent $15 million dollar judgement against Farmers.
That judgement came down just last week in Woodward County.
Pulse of the Agent POLL 
UPDATE: Farmers refuses to sign off on $15 million dollar Woodward
County Court verdict
It was awarded to 3 different homeowners that said Farmers treated them unfairly after the tornado up there 2 years ago. And the judge held another hearing in Woodward Thursday morning because Farmers refused to sign off on that judgement. The judge filed it anyway, so it's now official and on the record.
Pulse of the Agents POLL
In another Channel 4 video: Foremost Insurance wants Moore, Ok. tornado Victim to move [back] into his damaged home.
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So let's see what these FGI outsiders are paid in compensation and bonus in 2013 after brought into the Farmers fold via mergers with Bristol-West, Foremost and 21st Century. (If the print is too small to read <control key + sign will enlarge. Control key - sign will reduce size) 2011 thru 2013 = 18,640,000
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2014 UFAA National Convention
We are pleased to announce that this year's UFAA National Convention will be held at the recently $200 million dollar renovated Tropicana Hotel and Casino on the Las  Vegas Strip. The 2014 UFAA National Convention will be held June 10th through the 12th with the welcoming hospitality on Monday June 9th.
Any UFAA member in good standing may attend the meetings by simply filling out a convention registration form, booking a room and showing up.
A registration form can be found on the UFAA website, www.ufaa.com, under Convention 2014 icon or on page 16 of the 2013-2014 Winter issue of The Voice that is being mailed to you now. You can also obtain a registration for by contacting the National Office at 800-275-8668.
Registration forms MUST be received in the National Office no later than April 30th, early registration ends February 28th. THERE WILL BE NO EXCEPTIONS TO THIS POLICY. If you will be staying at the Tropicana your reservation needs to be made with them by April 30th also. The room reservation information can be found on the Convention Registration Form. Your registration must be received by Feb 28 to receive discount. Registration is $50 bucks higher March 1st thru April 30th deadline. You must be a UFAA Member to attend.
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Top 5 States for Auto, Home Insurance Rate Hikes in 2013: Perr&KnightOklahoma #1 in Homeowners rate hikes 2013
Personal auto insurance companies increased their rates by an average of 2.5 percent countrywide in 2013, while home insurers increased their rates by an average of 5.1 percent, according to figures compiled from Perr&Knight's RateWatch.
In addition, renters insurance rates were up 2.6 percent and condominium insurance rates rose 2.9 percent. Annual average rate increases have varied between 5 percent and 7 percent for homeowners insurance, 2 percent to 4 percent for renters insurance and 2.5 percent to 6 percent for condominium insurance over the last five years, according to Perr&Knight.
The report found that the five states with the highest overall increases in 2013 for homeowners insurance were Oklahoma at 12.1 percent, Florida at 11.0 percent, Kentucky at 10.9 percent, Kansas at 10.3 percent and North Carolina at 10.1 percent.
The only state experiencing a double digit increase in renters or condominium rates was North Carolina where rates increased 18.7 percent for each.
Two states, California and Hawaii, experienced overall decreases in homeowner insurance rates in 2013 of -3.4 percent and -0.7 percent, respectively.
Insurers in California also decreased their overall renters rates by -1.8 percent and condominium rates by -1.4 percent in 2013. IJ 03.12.2014
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Pulse of Agent Poll Results from March issue
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Bethel Collision Center of Broken Arrow, OK.
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Pulse of Agent Poll Results from March Issue
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If you view the Oklahoma Voice <22 point text
on a smart phone or iphone, please tell us your experience <12 point text
 This is 10 point text- There is a growing number of cell phone users that now view their emails on their cell phones. Some estimates are as high as 65%. With the smaller phone screens compared to desktop and laptop screen sizes, it can be difficult to see all text without constantly moving the phone screen from side to side. Clicking small text links may also become difficult to use.
This is 11 point text-
Our newsletter vendor, Constant Contact, has suggested to their customers that we should be using a single column template format (we use single to double back to single) to prevent readers from having to scroll down one column then, have to scroll back up to the top of the next column. It is also suggested we use 11 point text in all article text and 22 point text for headlines which is huge for desk and laptop users, as shown above.
Please spend a moment to take our short survey, that we can make the necessary adjustments to the Oklahoma Voice that we can continue to bring our readers a better experience in future issues.
First, we need to know the number of readers that view the Oklahoma Voice on a cell phone.
Pulse of the Agents Poll Second, if you do view the Oklahoma Voice always to sometimes on a cell phone, please take this short survey. Thanks, Editor Pulse of the Agents Survey
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Farmers to Add More Than 500 Agency Owners in California
Farmers Insurance is looking to increase its presence in California by adding 518 agency owners throughout the state. "There has never been a better time than now for those interested in becoming agency owners to join the Farmers Family," Stephen Brown, head of agencies for Farmers Insurance, said in a statement.
Those interested in information about this can contact Farmers at www.beafarmersagent.com. At the website, candidates can also get in contact with a local district manager in their area.
IJ 03.12.2014 Farmers Insurance Looks to Add 200-Plus Agency Owners in Texas
Property/casualty multiline insurer, Farmers Insurance, plans to add 244 agency owners throughout Texas in the coming year. Farmers announced it is offering special incentives to military veterans, reservists and bilingual candidates who can tap the state's increasingly multicultural consumer markets. Some of the prospective agency owner incentives available to qualified military veterans, reservists and qualified bilingual candidates include eligibility for additional funds for marketing, new office opening support and supplemental training incentives. Source: Farmers Insurance Group of Companies IJ 03.24.2014
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 Zurich Insurance to Cut Up to 800 Jobs to Save 250 MillionZurich Insurance Group AG, the biggest Swiss insurer, plans to save $250 million annually by cutting as many as 800 jobs after lowering its profit goal in December, the company said. Zurich plans to remove management layers between the main office and the individual business units to reduce costs, according to a statement from the insurer today. The company said it would achieve the savings by the end of 2015. The company's profit for the fourth quarter was below analysts' estimates because of reorganization costs. In December, Zurich said it would have restructuring charges of as much as $600 million over the next year. "We continue to make significant progress toward our strategic goal to make Zurich a focused and more profitable business," Chief Executive Officer Martin Senn said in the statement. The company's shares rose 0.5 percent to CHF 270.30 [$307.46] Swiss francs by 9:12 a.m. in Zurich trading, bringing the gain over the past 12 months to 1.6 percent. IJ 03.11.2014 The changes are subject to consultation with employees and their representatives, the insurer said. Wow, I want a job with Zurich. Check the math in this article- $250M divided by 800 jobs = $315,000/yr. -ed
".. turn around or exit those that are under performing."
From Bloomberg 12.06.2013- (CEO Martin Seen speaking to Big Z investors) Zurich Insurance Group AG, Switzerland's largest insurer, lowered its profit goal as Chief Executive Officer Martin Senn signaled he's ready to sell some businesses to bolster earnings growth. "We are very strong in some areas, but we lack scale or profitability in others," Senn said in the statement. "We will invest in priority markets but manage other businesses for value. This will mean improving the profitability of certain businesses while we will either turn around or exit those that are under performing."
Pulse of the Agent Poll |
Oklahoma Continuing Education
Source: OID website 04.21.2013
All resident agents/producers, CSRs and adjusters are required to complete continuing education biennial. The requirements are as follows: Resident Producers (Excluding Title producers) are required to have 24 hours of continuing education, including three hours ethics and two hours of legislative updates. - Producers that sell, solicit, or negotiate Medicare Advantage or Part D Products or Plans are required to take a 4 hour Medicare Renewal course each renewal period.
- Producers that sell, solicit or negotiate Long Term Care insurance must take a 4 hour Long Term Care Partnership course each renewal period after the initial 8 hour Long Term Care Partnership course was taken.
- Producers that sell, solicit, or negotiate Annuity products are required to take a one time 4 hour course on Annuity products.
CSRs are required to have 13 hours of continuing education, including three hours of ethics and two hours of legislative updates. Resident Adjusters are required to have 24 hours of continuing education including three hours of ethics and two hours of legislative updates. Are you age 65 and been an agent for 20+ years? you may qualify for the free Okla. CE Mentoring Course worth 24 hrs credit hours and takes 10 minutes to complete. See CE Mentor pop up PDF HERE No documentation required. Just sign off on the OID form. |
Survey: 1 in 3 lie for cheaper auto rates
If you fudged the facts when you applied for car insurance, you are not alone. Thirty-four percent of drivers have omitted information or supplied false information to their car insurance providers, a new survey from CarInsurance.com finds. Men were more likely to lie than women, 42 percent vs. 27 percent. Drivers under age 30, who pay the most for car insurance, were three times more likely to submit incorrect information than drivers over 50.Among the drivers reporting a lie - and many reported more than one -- the most common were:
- Annual mileage: 36.3 percent
- Where car is parked: 32.4 percent
- Names of drivers with access to vehicle: 25.1 percent
- History of tickets or accidents: 20.5 percent
- Gaps in insurance coverage: 19.2 percent
- School grades, or teen driver's grades: 18.9 percent
- Anti-theft devices on the car: 17.4 percent
- Primary type of use (such as business, school or work): 17.3 percent
- Education level: 16.9 percent
- Marital status: 16.9 percent
- How long they'd been licensed: 15.8 percent
- Major modifications to their car: 15.7 percent
- Refresher or defensive driving courses: 14.4 percent
Will you get caught in a lie?
Those surveyed gave three reasons behind their decisions to submit bad information:
- To save money: 63.3 percent
- No correct answer option on insurance form: 28.0 percent
- Felt cheated by the company in the past: 8.7 percent
More than 40 percent of those who lied said their insurance company eventually discovered the bad information. Of those who were caught:
- 33.5 percent said their claim was denied
- 31.5 percent said their premiums went up
- 25.4 percent said their policy was canceled
- 7.6 percent said they were sued for fraud
- 2 percent said nothing happened. source: carinsurance.com
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Windows XP: It's time to say good-bye
I've got to tell it to you straight. If you're still on an old computer running the Windows XP operating system, D-Day is at hand. And by "D" I mean "dump it."
I understand if you don't want to face this. You have a computer and the setup works for you. Sure it's a bit clunky, but you don't want to switch. Why waste money on a new computer? I feel your pain.
Here's the deal. Microsoft is abandoning Windows XP on April 8, 2014. When you hear that euphemistic phrase "end-of-life," it means a lot of things. The big ones are no operating system fixes and no defenses against viruses and other online dangers.
KimKomando.com
12/5/2013 Oklahoma Voice has reprint rights. Copyright 1995-2014 WestStar TalkRadio Network. Reprinted with permission. No further republication or redistribution is permitted without the written consent of WestStar TalkRadio Network. Visit Kim Komando and sign up for her free e-mail newsletters.
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918-663-5848
Fire, Water, Storm Damage & Other Perils Full Service Mitigation and Reconstruction 10344-B East 58th St Tulsa, OK 74146
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From the Oklahoma Insurance Department
The following "Final Orders" are from the OID public information legal section of the OID website. These violations and penalties are shown here to ONLY warn, inform and educate you on Okla. Insurance Laws. No cases this month. -ed
OID Notices to Producers:Producer Licensing Bulletin No. 2013-09 -Licensed producer activities vs Clerical (non-licensed) activities
Timely Refund of Unearned Premium (03/13) located on same page as document as above.
Rate and Form Filings Jan. 2014Click link heading above. Then, click Jan 2014. Then, scroll the entire document for rate & form filings for all companies.You may use the "Edit" command on the PDF file found in upper left of document then, click "FIND" and type in company names and auto-search 268 page document.
As we [the OID] work to help you comply, we will vigorously enforce 59 O.S. § 1310 (A) (21) which relates to failure to notify of change of address. ADDRESS CHANGE: Okla Ins Dept: Change of address or name more than 30 days after the change occurred shall be no less than a $100 fine. The Oklahoma Insurance Department encourages all licensees to update their mailing personal and business addresses and email addresses as often as possible. This feature is available free of charge by visiting the SBS website
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Check out the UFAA Chapter 15 Home Page with more Farmers, industry news, member benefit information, newsletter archives, including breaking news too late or too large to publish above.
The Articles below are on our Home Page link this month. Some may have a link for direct access.
UPDATED: Okla. Company Comparison Rate Charts- Auto: 03/14 Home: 03/14
Top and Bottom Insurers for Customer Experience This article came to the Oklahoma Voice at the 11th hour just before we went to press to email the April Issue. Click this link> for the article to see where Farmers Ranked more here: http://www.kansascity.com/2013/11/20/4637116/farmers-insurance-signs-10-year.html#storylink=cpy
Read more here: http://www.fresnobee.com/2013/09/30/3528526/eeoc-claims-discrimination-by.html#storylink=cpy
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 Did you know? As a member of UFAA you get:
1 hour of tech support a month
1 Free @ufaa.com email address
1 Free web page with your domain name
Call us today Toll Free, Primary # 1-866-441-8018 Alex Conger | | Click logo above to access the Oklahoma Membership app. |
Have you missed past issues of the Okla. Voice? If you missed past issues, you can access them and other article headlines on our Chapter 15 Home Page Link above.
Have you joined UFAA? We just can't make it much easier. Just mouse the Join UFAA logo to obtain the a membership application. Fill it out and attached a check and mail or use the bank card option and fax it to 1-314-631-7963. United we stand. Divided we fall.
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