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Example: You finance $30,000 for a new car. The second you drive your new car off the lot, it could only be worth $25,000. If your car is totaled, you're still responsible for the $30,000 on the loan. If you have loan/lease payoff, we'll pay $25,000 for your car, plus the $5,000 left on your loan.
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Parent-youth agreement on the youth’s functional impairment may have important implications for mental health service utilization, assessment, therapy goal development, and treatment engagement for adolescents. The present study examines parent-youth agreement on their perceptions of youth functional impairment in a predominantly racial/ethnic minority sample of adolescents utilizing outpatient mental health services. Parent and youth functional impairment ratings were compared, and agreement was estimated in multiple ways. On average, parents indicated higher levels of youth functional impairment compared to youth in their overall scores, and when differences existed between parents and youth at the functioning domain and item level. Although there was similarity in the proportion of parents and youth who reported total impairment above the clinical cut-off, actual agreement between parent-youth pairs was only slight. There appeared to be substantial variation in agreement levels when identifying problems in functional impairment at the domain and item levels, and some areas of strong consensus were identified. These findings highlight the need to consider parent-youth agreement in perceptions of functional impairment and the complexities that may underlie this agreement. Full article
The Investigation Division investigates suspected fraud committed by insurance agents, brokers, public adjusters, bail agents, insurance companies and other individuals and entities transacting the business of insurance who perpetrate fraud against consumers.
Distracted on the Road? It's Like Driving the Length of a Football Field... Blindfolded September 18, 2018 -- Insurance Commissioner Causey sets up Insurance Camps, Victim Assistance Centers to help storm victims get lives back on track
Insurance The policyholder savings dividend is a discretionary sum returned to a policyholder by the Interinsurance Exchange of the Automobile Club (“Exchange”) out of its surplus. Dividends are not guaranteed and are paid when approved by the Exchange.
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