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Archived Files & Messages
This is the area of our site where you can find old files and messages that have been on our website.  Back copies of "The Voice" are also archived here.  All archived material can be printed off of this site as you need it.  Enjoy your browsing!

Legal and Legislative Information

1994 Minnesota Legislation
From around the United States
Writing of outside business
Legal principals to remember
Russ Poe press release
Our horizontal marketing agreement

Articles and Papers of Interest                

DirectExpress - A NAPPA Publication for Allstate Agents - March 2000
DirectExpress - A NAPPA Publication for Allstate Agents - 12 January 2000
DirectExpress - A NAPPA Publication for Allstate Agents - 7 January 2000
DirectExpress - A NAPPA Publication for Allstate Agents - 22 December 1999
DirectExpress - A NAPPA Publication for Allstate Agents - 15 December 1999

Derivion and Farmers Insurance Group Sign Agreement to Enable Internet Billing for More Than 600,000 Customers.

National Automotive Glass Consultants Update: Texans Petition for RehearingAlternate Distribution Systems?

What is Going On? Are we losing money? Are we making money?

Strategic Management Conference Report

Interview with Independent California Agency Owners who applied  for appointment with Farmers Three Independent Companies

Interview with Exclusive Farmers Insurance Agents from Northern Virginia

Farmers Insurance Completes its Eastern Expansion

Am I doing the math correctly? An Agent's Response to the Farmers Expansion

Insurance Agents Outline Abuses

Farmers Group "Gets Personal" in the Eastern States

Regulators investigate allegations as State Farm fires agents. Termination Letter Linked to Article

State Farm threatening whistleblower agents with termination?

State Farm Agents Who Care

1999 Legislative Update - Clinton Signs Financial Services Act; Other Bills Keep Moving
Further response to Allstate's New Business Approach
An Agent and Policy Holder's recent experience with the F.A.C.T. Service Center - Very Good to Know Information
State Farm Settles - Extremely Interesting Article
DM letter to District 79 - UFAA Sends for Legal Review! Agents Threatened - Customers Pay??? - SPECIAL- MUST READ

State Farm Agents Who Care

An Informative Meeting In Kansas with State Director Joe Moss

Allstate Agents Show, What United Agents Can Accomplish!!

An Oklahoma Agent's Most Recent Experience with His DM Concerning Progressive Insurance

An Agent and Policy Holder's recent experience 
with the F.A.C.T. Service Center

Attorney Jon Heim reviews the Horizontal Marketing Agreement
Some Agents from around the country are ending their HMA agreement!!
Has the true meaning and intent of the HMA finally been revealed?
They say that there was not any Reinsurance for the January 1994 Northridge earthquake.   Maybe there was?
Regulators investigate allegations as State Farm fires agents. Termination Letter Linked to Article - 13 December 1999

Former Agent Urges Boycott Of CNA For Plan To Leave LTC Market. - 17 March 2000

Staying Alive-Insurers Face Challenges and Opportunities in the Internet Age. - 17 March 2000

Doing Battle with the Big Boys: How to Work the Internet to Your Agency's Advantage. - 17 March 2000

Attorney General Files Betterment Suit Against Sixteen Texas Auto Insurers. - 17 March 2000

California subpoenas Munich Re for hearing on Holocaust insurance claims. - 17 March 2000

AMS Announces Internet-Based Agency Management, Policyholder Access. - 17 March 2000

Insurers File $60 Million Suit against Doctors, Chiropractors, Others in Fraud Scam. - 17 March 2000

Insurers Say It's More than Location, Location, Location for Comp. - 17 March 2000

Lloyd's Denies Asbestos Fraud. - 17 March 2000

Homeowners Win $20 Million From Insurer in Settlement Claim - 9 March 2000

Texans to get $11 million refund from Mid-Century Insurance Co. - 9 March 2000

State Farm sets up shop in Connecticut (Call Center 24/7). - 9 March 2000

State Farm's bank rolls to the Internet. - 9 March 2000

Insolvency graveyard: The insurance companies that didn't make it in 1999. - 9 March 2000

California rejects measures to aid insurance lawsuits. - 9 March 2000

Lloyd's of London accused of duping investors in landmark fraud case. - 9 March 2000

Farmers' Mid-Century Insurance Co. of Texas to Lower Auto Rates for Fourth Consecutive Year - 7 March 2000

Foremost Merger Complete! - 7 March 2000

Record Civil Pollution Penalty Levied Against Koch. - 22 February 2000

Arsonists Sue After Being Denied Coverage. - 22 February 2000

Insurance Companies Block Web Access. - 22 February 2000

Is there no need for fenders or bumpers on cars? - 22 February 2000

Save yourself some grief: Buy lease or loan gap coverage. - 22 February 2000

Texas attorney general sues 16 auto insurers. - 22 February 2000

Now You See 'Em...Two insurers have discovered that you don't even need employees to succeed. - 22 February 2000

What Me, Worry? With service like this, insurers have nothing to fear. - 22 February 2000

1999 Catastrophe Claims Cost Insurers $8.2 Billion - 17 February 2000

Property Residual Market Losses Hit 10-Year High - 17 February 2000

Awesome Adjusting Revisited: A Return to Customer Service - 17 February 2000

Lawmakers consider banning the use of cell phones in cars - 17 February 2000

Judge: Allstate engaged in "negligent practice of law" - 17 February 2000

Bankrupt PennCorp sells off insurance companies - 17 February 2000

American Insurance Association - Press Media Room - 17 February 2000

News and Analysis - Property and Casualty Feb. 2000 - 17 February 2000

Last Clinton budget contains familiar list of Property/Casualty tax hikes - 10 February 2000

GE Financial Network to Deliver Financial Services on the Internet - 10 February 2000

Avoiding problems with salvaged vehicles - 10 February 2000

Judge: Allstate engaged in "negligent practice of law" - 10 February 2000

Hacker attack? Get insurance for it - 10 February 2000

Risk Managers in Demand for Millennium - Claims Magazine - 10 February 2000

Alliance formed to reduce disaster risk - Claims Magazine - 10 February 2000

Auto Accidents Down, Claims for Injuries Up - Property and Casualty - 1 February 2000
C:\>Computer Coverage Bloopers: Common Property Risk Management Mistakes - 1 February 2000
American Express settles lawsuits for $215 million - 1 February 2000
Readers tell about their Prudential settlement experience - 1 February 2000
Inside the direct car-repair process - 1 February 2000
Columbine Claims Cost Chubb $1.6 Million - 1 February 2000
White House Prepares Gun Lawsuit - 1 February 2000

CA Workers' Comp Rates Seeing Effect of Hardening Market - 29 January 2000

Insurers paid big, $8.2 billion in claims during 1999 - 29 January 2000

Feds give The Hartford a bank charter - 29 January 2000

American Insurance Association - 1999 in Review - 29 January 2000

System Security - Part One: Stopping Viruses at the Front Lines - 29 January 2000

It Ain't Over Till It's Over - More dates to watch all year - 29 January 2000

What is Going On? Are we losing money? Are we making money? - 22 January 2000

Many of the salaries for top insurance company executives in the USA are listed here - 22 January 2000

1999 Hurricane Season Most Intense Ever - 12 January 2000

Aftermarket Parts Suits Filed Against Hartford & Travelers - 12 January 2000

Study Finds P/C Company Insolvencies Hit Record Low - 12 January 2000

The State of Auto Theft in 2000 - 12 January 2000

Supreme Court allows AIDS insurance limits - 12 January 2000

Prudential buys St. Paul's high-risk auto business for $200 million - 12 January 2000

Virginia Study Links Credit History and Insurance Losses - 12 January 2000

Prudential "on track" for sending last of the settlement payments - 3 January 2000

Judge rules Allstate should have paid medical claims - 3 January 2000

Judge OKs MetLife $1.7 billion settlement - 3 January 2000

What does the future hold? When it comes to where the Net is taking the insurance industry, Sun's Alair Davidson, Microsoft's Kevin Kelly, InsWeb's Keith Leimbach, and IBM's Andy Williams are betting a lot on the answers - 3 January 2000

Several Internet-based technologies are making it easier for carriers to do business online - 3 January 2000

Using the Net means more than changing your technology. It means changing the way you do business - 3 January 2000

Reality Estimating in the Property Insurance Industry - Claims Magazine - 1 January 2000

Nervous Airline Passengers Get $2.2 Million - 1 January 2000

Survey Polls Exec's on Privacy Compliance - Insurance Journal - 1 January 2000

Prudential "on track" for sending last of the settlement payments - 1 January 2000

New map shows world's earthquake zones - 1 January 2000

The Best & Worst Things to Happen to Consumers in 1999 - 1 January 2000

Anti-Fraud Laws, Slow Claims Frequency - 22 December 1999

Industry Explores Class Action Reform. Claims Magazine - 22 December 1999

Getting Personal Unique Programs For The Individual. Insurance Journal - 22 December 1999

Insurers Testify at Holocaust Registry Hearings - 22 December 1999

State Farm appeals $1.2 billion judgment - 22 December 1999

Florida's State Farm investigation focuses on medical claims - 22 December 1999

Annual Claims Exposition & Conference - Claims Magazine - 13 December 1999

To Arms! More Bad Faith Cases are Coming - Claims Magazine - 13 December 1999

Allstate settles Oklahoma homeowners depreciation class action lawsuit - 13 December 1999

Floyd damages rise $500 million from initial count - 13 December 1999

Third-Party Bad Faith Bill Dead Until 2001 - 13 December 1999

Financial Services Industry Group to Launch Privacy Effort - 13 December 1999

The Economic Loss Doctrine: How Will It Affect Y2K Recovery? - 4 December 1999

A Claims Professional's Bill of Rights - 4 December 1999

Ruling Bars Car Dealers From Selling Auto Insurance in CA - 4 December 1999

American Insurance Association- Identified Priority Issues for National Association of Insurance Commissioners - 4 December 1999

When Cars Collide, Free Check Up or Insurance Fraud? - 4 December 1999

State Farm settles Texas uninsured motorist class action suit - Its taken 10years & an est. 60million dollars - 4 December 1999

Makers of Fen-Phen Agree on Settlement.-Claims Magazine - 29 November 1999

Countdown to Y2K: Claims Magazine Insidious Problems to Lurk Beyond 'Zero Hour' - 29 November 1999

Gun Maker on Offense Sues For Defense Costs - 29 November 1999

Yahoo Insurance News, 11-29-99 - 29 November 1999

E-Commerce News, 11-29-99  - 29 November 1999

1998 Traffic Fatalities Decline - Claims Magazine - 24 November 1999

Industry Shocked By State Farm Aftermarket Auto Parts Decision - 24 November 1999

State Farm threatening whistleblower agents with termination? - 24 November 1999

More After-Market Parts Lawsuits, Nationwide Discontinues Use - 24 November 1999

Export Lists Helps The Surplus Lines Market Respond To The Need of The Consumer - 24 November 1999

Current and former State Farm agents allege theft, fraud - 4 October 1999

Is the State Farm verdict enough to change industry practice? - 4 October 1999

Prudential employees tell of settlement-claim abuses and discrimination - 4 October 1999

Yahoo Insurance News - November 1999 - 4 October 1999

American Insurance Association - Press Releases October 1999 - 4 October 1999

Property and Casualty News November 4th 1999 - 4 October 1999

California consumers get boost from legislation (Low Cost Auto) - 27 October 1999

Damage caused by Irene reaches $100 million - 27 October 1999

House-Senate Conference Committee Concludes Deal on Financial Services Reform - 27 October 1999

Re-Insurance Dispute Resolution Procedures Agreed - 27 October 1999

E-commerce News 10-27-99 - 27 October 1999

Re-examining The Reinsurance Market, Third Party Low Cost Auto Bills ,State Farm Socked With After-market Parts Class-Action Ruling - Insurance Journal 10-27-99 - 27 October 1999

Broker News On-Line: Independent Insurance Agents 10/15/99 - 18 October 1999

Ecommerce News 10-15-99, Latest Updates - 18 October 1999

Claims Magazine - News Briefs 10-99 - 18 October 1999

Embrace - Don't Fear-New Claims Technology - 18 October 1999

The Toys of Technology Reflect Impersonalization of Claims - 18 October 1999

In Defense of the Digital Image - Digital Camera's (Claims) - 18 October 1999

Insurance & Technology August 99: Zurich Kemper Aggressive IT, A California-based start-up plans to launch the industry's first completely Web-based insurance company. Will others follow?, and more - 8 October 1999

People Buy From People, Inertia Prevails In Independent Agent System - 8 October 1999

Judge orders State Farm to pay additional $730 million in damages - 8 October 1999

State Farm suspends its use of aftermarket parts - 8 October 1999

Higher auto premiums because of State Farm verdict? Think again - 8 October 1999

Retirement Roundtable: Practical advice on where to put your money - 8 October 1999

Salt Lake City's Surprise Tornado Causes Minor Damage to Downtown - 28 September 1999

Hurricane Bret Costs Insurers $30 Million - 28 September 1999

CAIF Assesses Efficacy Of Fraud Warnings - 28 September 1999

Data Mining Companies Team Up to Fight Fraud - 28 September 1999

Uninsured Motorist Claims and Fraud - 28 September 1999

Prudential Sues 182 for Fraud - 28 September 1999

E-com-World / Recent Articles - Current as of 25 August 1999

Insurance & Technology-Current Issue July 99  - Current as of 25 August 1999

Insurance Journal-News Briefs - Current as of 25 August 1999

Product Safety is a Dutiful Responsibility for Manufactures and Insurers - Current as of 25 August 1999

Uninsured Motorists Study Shows Need for Auto Insurance Improvement - Current as of 25 August 1999

Insurers Look Ahead at Homeowners Market - Current as of 25 August 1999

E-commerce updates - Current as of 20 August 1999

The Battle over Internet Taxes - Current as of 20 August 1999

Oklahoma Storms Push Second Quarter Losses to $3.25 Billion - Current as of 20 August 1999

BrokerNews-Updates - Current as of 20 August 1999

10 Minutes to a Simpler Claim, Avoid Adjusting Pitfalls With One Call - Current as of 20 August 1999

E-Salvage, internet revs up internet vehicle auctions - Current as of 20 August 1999

Congress to consider overhaul of Federal Truck Safety Oversight - Current as of 9 August 1999

OSHA plan would disrupt state Workers' Compensation systems - Current as of 9 August 1999

Competition Should Prevail Concerning Auto Parts Debate - Current as of 9 August 1999

Missiouri Joins Ranks Restricting Teen Driving - Current as of 9 August 1999

Minor injuries up, Payments down in auto claims - Current as of 9 August 1999

California Division Delays System Until 2000 (Workman's Compensation) - Current as of 9 August 1999

Insurance investigators have new database to fight fraud - Current as of 5 August 1999

What happens when your insurance company goes belly-up - Current as of 5 August 1999
Top 10 insurance company insolvencies of the last decade - Current as of 5 August 1999
Superior National Involved in Dispute Over Reinsurance - Current as of 5 August 1999
Insurance Journal News Briefs - Current as of 5 August 1999
Litigious Environment Sparks Increase in EPLI Coverage - Current as of 5 August 1999
Congress To Consider Overhall Of Federal Truck Safety Oversight - Current as of 31 July 1999
OSHA Plan Would Disrupt State Workers' Compensation Systems - Current as of 31 July 1999
Competition Should Prevail Concerning Auto Parts Debate - Current as of 31 July 1999
Missiouri Joins Ranks Restricting Teen Driving - Current as of 31 July 1999
Minor injuries up, Payments down in auto claims - Current as of 31 July 1999
California Division Delays System Until 2000 (workmans comp) - Current as of 31 July 1999
Trip Insurance Goes the Distance to Keep Travelers Happy - Current as of 16 July 1999
Thinking Through the 21st Century-Agent Survival- John Chivvas ( Insurance Journal) - Current as of 16 July 1999
Ivans Plans To Make Web Safe For Insurance - Current as of 16 July 1999
EDS, GE Capital Launch Flood Service on Web - Current as of 16 July 1999
CyberNews - Insurance Technology Magazine - Current as of 16 July 1999
Manhunt for Money Manager - Sky Barnhart (Insurance Journal) - Current as of 16 July 1999
Putting It All Online-Insurance Technology Mag.- Where The Industry Pioneers Are Headed - Current as of 26 June 1999
E-Commerce News Front- 6-25-99 - Current as of 26 June 1999
Holocaust Victims-Access to 1938 Records-Florida DOI - Current as of 26 June 1999
Oklahoma Tornado Loses Reach Record Levels-Claims Magazine - Current as of 26 June 1999
Engineers Go Airborne to Reconstruct Accident Scenes - Current as of 26 June 1999
Allstate Becomes Independent Agent Force-Insurance Journal - Current as of 26 June 1999
Allstate Buys (C N A) Home and Auto Business - Current as of 11 June 1999
State Farm Begins Mailing Settlement Notices - Current as of 11 June 1999
Non Profit Insures Have a Head For Risk Management - Current as of 11 June 1999
Paid Loss Database Provides Industry Review - Current as of 11 June 1999
Business Insurance Weekly Updates-Every Friday - Current as of 11 June 1999
Allstate Speeds up Independent Agency Strategy - Current as of 11 June 1999
Black Box on GM Cars aid in crash analysis - Current as of 4 June 1999
Allstate wants court to seal its training manual - Current as of 4 June 1999
Allstate training manual-What Adjusters are told to tell insureds - Current as of 4 June 1999
Clarendon National gets JUA Florida Policies - Current as of 4 June 1999
Changes in Texas windstorm policies benefit homeowners - Current as of 4 June 1999
Standard and Poor's expect annuity section to remain strong - Current as of 4 June 1999
SUV's - Highest Theft Loses - Current as of 26 May 1999
How Auto Theft Investigators Work - Current as of 26 May 1999
School Violence Report Released - Current as of 26 May 1999
CSAA Buys Western United ( Non Standard Auto ) - Current as of 26 May 1999
Quicken InsureMarket to Include 20th Century - Current as of 26 May 1999
E Commerce and The Law - Study Released - Current as of 26 May 1999
State Farm Reevaluates its Fire / Policyholders - Current as of 23 May 1999
New Madrid E.Q. Zone / Risk is in Question - Current as of 23 May 1999
Study finds Disaster Losses will not decline in near future - Current as of 23 May 1999
Progressive - Online Quoting, Underwriting and Payments - New Venture - Current as of 23 May 1999
Mishandling Business Interruption Coverage - Current as of 23 May 1999
Accord Technology Conference - Bigger and Better this Year - Current as of 23 May 1999
Standard and Poors: The top 100 Insurers - Current as of 11 May 1999
New York launches online Fraud Resource Center - Current as of 11 May 1999
Small Agencies face tough times ahead - Current as of 11 May 1999
EDS, GE Capital team up on flood product - Current as of 11 May 1999
Seismologists Predict Trillion Dollar Tokyo Quake - Current as of 11 May 1999
Survey Looking at the Future of Work Comp - Current as of 11 May 1999
The Consumers are coming! Ivans (Insurance E-Commerce Study) - Current as of 6 May 1999
Auto Insurance Rates Decline and Expected to Continue to Decline - Current as of 6 May 1999
Plains Tornado Damage Likely to Exceed $500 Million - Current as of 6 May 1999
Legal Group Acts to Set Standards for Insurance Industry on the Web - Current as of 4 May 1999
Insurance Mergers, Acquisitions Intensify - Current as of 4 May 1999
Claims Departments Begin Coordinating Y2K Defenses - Current as of 4 May 1999
Discover What Cops Know: Early Plaintiff Interviews Bring Quick Resolutions - Current as of 4 May 1999
Insure.com Offers Internet Guide to California Earthquake Insurance Costs - Current as of 4 May 1999
Competitive Pressure-Improve Customer Service/Management wants lower claims costs - Current as of 4 May 1999
Take Steps Now To Avoid Air Conditioning Failure- Hartford Steam Boiler and Ins. Co. - Current as of 23 April 1999
20th Century Insurance Marketing- 33.9 % increase in Auto's Arizona - Current as of 23 April 1999
Travelers now taking claims online - Current as of 23 April 1999
Tests show Mercedes side air bags might be dangerous to children (4x force) - Current as of 23 April 1999
Rent-A-Wreck Rolls Out New-and Improved Insurance Company - Current as of 12 April 1999
Travelers Property Casualty Launches On-Line Claim Reporting Service - Current as of 12 April 1999
Why the desire for bigger vehicles is leading to more deaths - Current as of 12 April 1999
How solid is your Insurance Company-Standards & Poors - Current as of 12 April 1999
Take a look at the Chapter Presidents meeting...
Save $ with the AS/400
The 24 Hour CRC - State Farms first attempt to market products without agents? - Special
Collapse of Insurance Bureaucracies, Part I - Special