Can you get an insurance liscence with 2 misdemeanors?

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Posted: Tue Nov 17, 2009 12:41 am Post subject: Can you get an insurance liscence with 2 misdemeanors?

Assault and falsification in 2005?

theo_dotson

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Joined: 17 Nov 2009
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Posted: Tue Nov 17, 2009 2:54 am Post subject:

What state are you intending to practice in? I'm thinking this is probably important. the falsification charge could be an issue as it relates to dishonesty, but my guess is that the answer to this question would depend on the state you're trying to get a liscence in. One of the mods can probably confirm this though. _________________ Get free insurance quotes or Purchase auto Insurance online in minutes.

heidrek

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Posted: Tue Nov 17, 2009 5:00 am Post subject:

I don't think you're bound to disclose it if it's a minor misdemeanor. I'm from NY and the law over here allows a license to be issued to such individuals whom the superintendent finds competent and trustworthy. They'd also need to meet the licensing pre-requisites. _________________ Register Now to have your Insurance queries solved.

Pinkfloydfan

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Posted: Tue Nov 17, 2009 5:15 am Post subject:

Quote:

Assault and falsification in 2005?

Quote:

I don't think you're bound to disclose it if it's a minor misdemeanor.

First of all, you are absolutely bound to disclose any criminal convictions for any misdemeanor or felony...no question about it. Every state requires this information as part of the licensing process. The normal, and only exception would be minor traffic offenses.

As to the "will I get a license" part. There's a possibility that you can. This comment gave a clue as to what has to be done:

Quote:

I'm from NY and the law over here allows a license to be issued to such individuals whom the superintendent finds competent and trustworthy. They'd also need to meet the licensing pre-requisites.

Any felony or any misdemeanor involving dishonesty of breach of trust is now covered under federal law as well as state law. Specifically, federal law, U.S. Civil Code (USC) Section 18/1033 and 1034 address this issue. In order for a person convicted under this statute to get and/or maintain an insurance license, they have to have the specific permission of the "insurance regulatory official" in that state (the Insurance Commissioner). It requires the applicant to give the state a bunch of additional information and if the license is issued, additional restrictions and requirements. If the license is issued, it's a normal license in that you can do anything any licensee can do, it's just that the state is watching you a lot more closely than a standard applicant.

This requires what's called a "supplementary application" in addition to the standard license application. Each state will have this information posted as it's website.

InsTeacher Cool