Jesse Jfw
map-marker Las Vegas, Nevada

Orion Ins. Group

My fiance recently purchased a 03' dodge caravan from an auto dealer. They told us Orion insurance would quote us free and we could set up insurance through them. I was under the impression orion was its own insurance group not just a broker. So my fiance was quoted from a insurance company named merritplan, wich the broker explained to us that she could get us a plan for $240.00 down, 125.00 of the d.p was a brokers fee that claims is not refundable even if the contract was canceled. At $90.00 month we thought that was a smokin' deal concidering he is only 20 years old and still is concidered single with one point on his record wich was from an accident he was not at fault for. We accepted the deal. The broker called us about 3 weeks latter to tell us that the quote we agreed to, in wich she sold us into had been miss calculated. She had proceeded to tell us how she had entered his date of birth wrong and we now had to pay $180.00 a month. We told her we wanted to cancel our policy due to the fact this is NOT what we had agreed to pay , and what she had sold us into. So she had proceeded to tell us she would only refund us $115.00 and that she would keep her brokers fee. Now where I was raised here in this beautiful country of America, there is no such thing as free money. We work and we work hard to make an honest living and this woman has taken advantage of our good faith by selling us a fraudulent contract and she should not be able to keep that money. It clearly states in the brokers fee agreement that we signed "Brokerage agrees to represent CLIENT honestly and competently." What we had signed that day she quoted us insurance before we agreed to hire her to sell us the best deal she could give us for the price we agreed to was not honest at all. It may by human error have been false, it makes no diffrence. A false contract is just that false, it is misrepresentation, it is false advertisement. I want my money back I did not hire this woman to rip me off and sell me into a false and bad contract. I am not even sure if we would have been covered if the information and amount we had paid was diffrent than what we should have. I am reporting orion to the insurance commisioner, counsumer affairs, and the better buisness bureau.
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Insurance brokers do not charge fees, the down payment is what is required by the actual insurance carrier. You broker could only refund you the difference between your down payment and the actual amount of days you were insured.

I guarantee you that the money did not go to the broker it went to the insurance carrier to cover you during that time. I am not sure where you got your information on how brokers work but it is wrong.

I used to be a broker and had my own agency ALL brokers are paid commission from the insurance carrier and you will not get the rate any cheaper going direct to the carrier. I hope this makes sense to you and you have a better understanding of how brokers work.


Similar thing happened to me about the brokerage fee with this orion Insurance group. I shall post in detail later.

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