How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask socrateaser Your Own Question

socrateaser, Lawyer
Category: Legal
Satisfied Customers: 36174
Experience:  Retired (mostly)
Type Your Legal Question Here...
socrateaser is online now
A new question is answered every 9 seconds

My insurance rep lied to me repeatedly about my workmans comp

Resolved Question:

My insurance rep lied to me repeatedly about my workmans comp insurance. He even issued false certificates with fake policy numbers all the while I was not covered. What legal recourse do I have
Submitted: 2 years ago.
Category: Legal
Expert:  socrateaser replied 2 years ago.
First thing you do is report the crime to the State Workers Compensation Fraud Unit.

You can also sue the agent/insurer for the civil fraud and obtain damages if you are now subject to legal action by an injured employee. However, if the agent was working this scam on his/her own, there may be nothing to recover, in which case, regrettably, you would be wide open to liability for the injured employee's claims.

You may be able to fall back onto a general business liability policy, if you have such insurance -- so that would be something to look into. However, if the issue is simply that the agent has been taking your money and not insuring you, then consider yourself lucky, because you haven't committed any fraud, as you were (presumably) unaware of the scam until now.

Please let me know if I can be of further assistance.

Note: If you post a follow-up question, I'll be back with you later today. I have to go to court, so I will be unable to respond until the afternoon.

Thanks for your understanding and patience.
Customer: replied 2 years ago.
He never took my money. I continually asked if I was covered because I was not receiving a bill from any insurance provider. Every two to three weeks I would contact him with this question. And I was assured that there was nothing to worry about. I often times need certs for agencies and customers and he would provide me with them signed by him with policy numbers and policy periods. He even wrote in a insurance providers name. About a month ago he was not available when I would call. I was being told he was getting my messages but no return call was placed to me until after about four weeks when I asked when he'd be back and was told that they were not a liberty to tell me. At that point I spoke to the owner who told me I did not have workmans comp since last year.. I explained what his rep, who by the way is his son had been advising me, and was told he didn't say that. He suggested that I go to another agency for that policy. Now mind you I have been a customer of his for almost ten years. When I informed him that I had a signed cert from his son as described above he asked me to send him a copy. I have not sent him one. He put my company and my livelyhood in jeopardy. I now have to pay a premium for licensing to do business in an adjacent state because while I waited for him to correct a cert he provided the deadline has passed and I cannot do business there until I have a real cert to give them. This cost my company money while I wait for the process to happen there.
Expert:  socrateaser replied 2 years ago.
Good afternoon.

The fact that you were provided fraudulent certifications is proof of a fraud. Even if you did not pay the agent, the false representation in the certification is a criminal act, if you rely upon it to your detriment -- which you obviously have done. So, my answer is exactly the same.

If you have damages due to the unavailability of insurance, or from any other transaction related to your reliance on these certificates, then you can sue the agency, and you can report the matter to the state as a criminal fraud.

The only caution that I would make here is that you need to be able to connect the fraudulent certifications to the agent/agency (via some correspondence, such as a FAX identifier on the top of the certification, or an envelope showing the agency as the return address, or a collateral email or letter.

Otherwise, the government may think that you created the certifications, rather than the agent -- and that would place you at the center of the criminal investigation. Note that I'm not doubting your sincerity here -- I'm simply calling out the possibilities, so that you're not caught in the crossfire, between the government and the insurance agency.

Please let me know if I can clarify anything or assist you further.
socrateaser, Lawyer
Category: Legal
Satisfied Customers: 36174
Experience: Retired (mostly)
socrateaser and 2 other Legal Specialists are ready to help you

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Previous | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it. Lee Michigan

Meet The Experts:

  • Tina


    Satisfied Customers:

    JD, BBA Over 25 years legal and business experience.
< Last | Next >
  • Tina's Avatar



    Satisfied Customers:

    JD, BBA Over 25 years legal and business experience.
  • Ely's Avatar


    Counselor at Law

    Satisfied Customers:

    Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
  • JPEsq's Avatar



    Satisfied Customers:

    Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor
  • Law Educator, Esq.'s Avatar

    Law Educator, Esq.


    Satisfied Customers:

    JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
  • FiveStarLaw's Avatar



    Satisfied Customers:

    25 years of experience helping people like you.
  • Guillermo J. Senmartin, Esq.'s Avatar

    Guillermo J. Senmartin, Esq.


    Satisfied Customers:

    7+ years of experience handling various legal matters.
  • Dimitry K., Esq.'s Avatar

    Dimitry K., Esq.


    Satisfied Customers:

    Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.