Mich. Orders Agent to Stop Selling Bogus Auto Insurance Certificates

December 28, 2007

The Michigan Office of Financial and Insurance Services (OFIS) has issued a “cease and desist” order against a Flint insurance agent for selling bogus Michigan no-fault auto insurance certificates.

Chris Densmore, owner of Densmore Insurance Agency, has been illegally issuing the fake no-fault certificates through a non-existent insurance company called Densmore Insurance Group.

OFIS has learned of at least eight individuals who purchased the bogus certificates between June 12, 2007 and November 18, 2007, but it is likely there are more drivers who are unaware they have purchased illegal certificates. OFIS is working with the Thetford Township Police Department regarding these illegal sales of bogus certificates.

“Any driver who bought a certificate naming Densmore Insurance Group as the authorized Michigan insurer after October 1, 2007, should get proper auto coverage through a reputable insurance agent immediately,” OFIS Acting Commissioner Ken Ross said. “Anyone who purchased insurance naming Densmore Insurance Group as the authorized Michigan insurer prior to October 1, 2007, should verify that they have coverage through an authorized insurer. The bogus insurance coverage sold to consumers by Densmore isn’t worth the paper it’s printed on and will provide zero protection in case of an accident.”

Chris Densmore is licensed as an authorized insurance agent through OFIS. However, in early October, Densmore lost his authority to sell property and casualty insurance from all of his providers and has not been able to place automobile insurance through any authorized companies in Michigan.

OFIS has notified Secretary of State officials of the illegal sales of no-fault certificates by Densmore.

OFIS’ website (www.michigan.gov/ofis) includes lists that can be checked to verify if insurance companies, agencies and agents are licensed.

Source: Michigan Office of Financial and Insurance Services

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