Level 1 general insurance salesperson and road agent, Lini Outh, has been fined $1,000, assessed investigation costs of $1,462.50 and must take two courses after the Insurance Council of British Columbia (ICoBC) found that she transferred and insured a vehicle under the name of a person she did not meet, without his knowledge or consent.
Later, when the transaction was discovered, she again transferred the vehicle back to the motor vehicle dealership without having the client present.
According to the insurance council’s order, Outh was present when a person, identified as JC in the order, purchased a used vehicle at a motor vehicle dealership where she routinely conducted road agent business. JC advised Outh that he had purchased the vehicle on behalf of his son-in-law who would be attending the dealership later in the day to sign the required paperwork.
In the son-in-law’s absence, Outh processed transfer and tax forms resulting in the transfer of the vehicle from the dealership to the son-in-law. She also processed forms registering and insuring the vehicle in the son-in-law’s name and used the son-in-law’s banking information to process a monthly payment plan agreement between the son-in-law and the Insurance Corporation of British Columbia (ICBC) to pay the vehicle’s insurance premiums. More than a month later, the son-in-law received notification that he was being charged a non-sufficient fund payment with regard to the vehicle’s insurance policy. He had no knowledge the vehicle had been registered and insured in his name.
JC’s daughter then followed up to dispute the vehicle transactions. JC returned to the dealership three days later where Outh cancelled the vehicle’s insurance and registration, with JC allegedly signing his son-in-law’s name. She also processed the vehicle’s transfer form, registering and insuring the vehicle back to the dealership.
During its investigation, Outh told the insurance council that JC had provided her with his son-in-law’s banking information. JC claimed he did not sign any of the transfer or insurance paperwork and claimed that Outh obtained his son-in-law’s driver’s license information, banking information and birth date herself using ICBC’s computer system. The ICBC advised council that it determined Outh had not obtained the information from the database.
In addition to fining Outh, the council ordered the agent to complete the Autoplan Basics course and the Council Rules Course before November 16.
