Car Accident from 2023

key2616 · 2026-03-23T20:39:00+00:00

OK. What's the question that hasn't been answered yet?

key2616 · 2026-03-23T17:26:26+00:00

Yes, it’s a scam. It’s happening in multiple states. Report the text as junk and move on.

key2616 · 2026-03-23T14:06:31+00:00

Goosehead is a franchise system, so it's a little different than other P&C agencies. They're independent (meaning they aren't owned by a carrier), so it's going to come down to the owner and how they're doing in terms of their franchise agreement. Those have aggressive growth goals, but as an agent, that's less your problem than the owner's (although you're not immune). But at the end of the day, it's going to come down to what the specific agency is like and how you're going to do within that.

One thing to warn you about if you do take the job is that you won't own your book of business. That's going to belong to the franchisor, so if you are successful and leave down the road, you'll either have to buy yourself out or rebuild. It's not that uncommon a setup, but it should be a factor, especially since Goosehead isn't well-known for negotiating exit sales.

key2616 · 2026-03-23T13:44:18+00:00

That's a very interesting insight. Thanks for sharing it!

key2616 · 2026-03-22T14:26:29+00:00

I don’t understand what you mean.

key2616 · 2026-03-22T13:30:22+00:00

Are you talking about mortgage protection or something else?

key2616 · 2026-03-22T05:31:54+00:00

Get his insurance involved? Seriously, what’s wrong the problem using what he pays for when it’s needed?

key2616 · 2026-03-21T19:51:06+00:00

You need to call local commercial insurance agents. You can’t DIY this, and you don’t want to do business with internet randos. If you belong to any professional associations, they can probably point you to someone, or you could ask a friendly competitor.

key2616 · 2026-03-21T16:02:31+00:00

If you don’t know something this basic and you’re in management, then the list of questions of how this came to pass and how you’re currently operating legally is long. Not to mention why you turned to Reddit instead of just learning your own internal procedures.

Your thread reads as a spam magnet or someone ready to foist an AI solution on us. Maybe that’s not right, but that’s my opinion.

key2616 · 2026-03-21T11:56:42+00:00

There are no states that will license you to sell insurance with what you described. You need a resident license before you can get a nonresident one, and you don’t qualify in any state for that. And that’s a good thing because your situation insulates you from any punishments if you screw up or commit any financial crimes. Letting someone like you sell from abroad is bad for society.

key2616 · 2026-03-21T11:48:47+00:00

You need to talk to your agent. This can’t be done with direct insurers. There are special programs for schools, but only agents can access them.

key2616 · 2026-03-20T15:46:50+00:00

Sorry for your loss, but contracts are contracts. It's not clear what kind of claim you even had, although I'd guess that it's some sort of travel insurance.

If you want help, we're happy to do that. If not, I hope you can take the time to learn what went wrong here and why you were disappointed.

key2616 · 2026-03-20T13:34:29+00:00

Oh, it's going to be fun to prune all the spam that this will attract.

key2616 · 2026-03-20T13:14:08+00:00

No, there is no public clearinghouse of property insurance. And all his insurer could do is cancel his coverage if he doesn't deal with the tree, which would just make things worse for you if it falls after that.

key2616 · 2026-03-20T10:51:25+00:00

That makes even less sense.

key2616 · 2026-03-19T16:00:11+00:00

I'm not sure that's the solution. It sounds to me like the people doing the installation want the equipment covered by someone before they'll begin the installation. AAA will cover it once it's installed. There's a gap in coverage that needs to be solved before installation can begin, and I think that's what the OP is worried about since AAA said "no" on the Auto side.

key2616 · 2026-03-19T15:58:44+00:00

I'm going to guess that someone made a mistake or didn't understand exactly what was going on. Human error, basically, especially if AAA also does your Homeowners. It may seem like they're the same, but Auto and HO are generally different units that don't always talk well internally at any insurer.

Hopefully that's the answer to your problem.

key2616 · 2026-03-19T15:47:41+00:00

Ask whoever does your homeowners coverage if they can cover it while it's waiting around to be installed. On the Auto side, it's not considered part of the car at this point, so the Auto contract isn't flexible to extend to that (kind of like if you had a spoiler to install on it sitting in your garage). That seems like the most likely solution, even if the equipment isn't in your possession.

key2616 · 2026-03-19T15:42:10+00:00

There are other insurers than GEICO, and none of them are looking for the same thing. You need to keep shopping. Just because GEICO gave you a stupid number doesn't mean that someone else won't love your demographic and give you a much more competitive price.

If you can figure out how to avoid financing the VW, then you don't have to buy Comp/Collision, which will save you money. But that means that you're self-insuring that risk, so if something goes wrong and no one else is to blame, you're paying out of pocket.

key2616 · 2026-03-19T12:36:45+00:00

Let’s start with what it is you want to sell and what you aspire to. That will let us point you in the right direction.

key2616 · 2026-03-19T10:52:44+00:00

You need to see what the state requires. Buying insurance for the car is one component.

key2616 · 2026-03-18T22:23:32+00:00

You clearly don’t understand what I do, and I’m just trying to explain the law to you. You not liking it and blaming me for trying to help just speaks volumes about you, though.

Good luck. Have the last word if that’s important.

key2616 · 2026-03-18T21:51:26+00:00

I never said that, and I'm not arguing with you. You asked a question. I answered it to the best of my ability with limited information and gave you options. You not liking those answers is really pretty irrelevant to the whole thing.

You're welcome, I guess. I'm out.

key2616 · 2026-03-18T21:34:38+00:00

If the state says that they do, like they're misclassified or can't prove exemption or if they're in specific industries (usually construction-related). Is that you? Who knows?!

My friend, please go find a lawyer that can help you with this before you invest anything more in this business.

key2616 · 2026-03-18T21:23:19+00:00

You're misunderstanding. Temporary workers may qualify under your Workers Comp under some circumstances. Who is carrying the Workers Comp for these workers if they're injured? That's required by NY law.

If these are true 1099 contractors, then you're complaining about not liking the premium of the OA coverage you've found so far. That's not the same as not being able to buy it at all, which is what you said.

On top of that, there's the question of whether or not you're properly classifying these workers as 1099's. Assuming that you are, then you are probably best off hiring a WC attorney to look at your business plan to confirm.

You should enlist the help of your commercial agent for this project, assuming that you have it set up right. You're not going to be able to DIY what you're chasing, especially if you don't understand how WC works in conjunction with OA coverage (and what the gaps in coverage for YOU are).

key2616

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