Police Russell
PoliceForum Replies Created
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There is a mid-sized mortgage company that is full eagle that I know many loan officers, processors, and underwriters who work or used to work there. The mortgage company grew exponetionally in size and volume over the past several years. The main owners of the company did not spare any expense on decorating the office, the lunch and dinner parties for loan officers, support and operations staff, and realtor referral networking partners. They did not hesitate to spend $10,000 several times over every other week for realtor functions, downtown parties, party buses and party boats. Last November, the owners of this mortgage company laid off or fired the top salary people which includes openers, mortgage processors, mortgage underwriters, people from the closing department and funding department, HR, and operations. They only kept the lower budget employees. The loan officer count at this Illinois mortgage lender is down to half with the office alone being $30,000 per month. This is a mortgage lender and not mortgage broker, so most loan officers are struggling with asking for pricing exceptions on every deal they close. Mortgage brokers are capped at 2.75% compensation but mortgage bankers normally have to price out mortgage loans at 5% or higher in order to be able to pay overhead. I see this mortgage lender going out of business if the market does not improve soon.
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Yes, a drunk driving arrest on your record will definitely affect your auto insurance premium. From my understanding, a drunk driving conviction can affect not just your auto insurance, but can also affect all of your insurance policies such as homeowners and other property and casualty policies. Many insurance carriers will not want you as a client with a drunk driving conviction. A DUI (Driving Under the Influence) conviction can significantly impact your auto insurance rates. Insurance companies consider DUI convictions as high-risk behavior, and individuals with DUIs are often deemed high-risk drivers. As a result, you may experience the following consequences:
Increased Premiums: Expect a substantial increase in your auto insurance premiums. Insurance companies view DUI convictions as an indication of risky behavior, and they adjust premiums accordingly.
Policy Cancellation or Non-Renewal: Some insurance companies may choose to cancel your policy or not renew it once they become aware of a DUI conviction. You might then need to seek coverage from a high-risk insurance provider, which tends to be more expensive.
SR-22 Requirement: In many cases, individuals with a DUI conviction may be required to file an SR-22 form with the state. An SR-22 is a certificate of financial responsibility that proves you have the minimum required insurance coverage. The need for an SR-22 often results in higher premiums.
Limited Coverage Options: With a DUI on your record, you may find that your choices for insurance coverage are limited, and you may need to rely on specialized high-risk insurance providers.
It’s important to note that the impact of a DUI on insurance rates can vary depending on factors such as your location, the insurance company, and your driving history. To mitigate the effects, some individuals explore options such as completing a defensive driving course or seeking insurance from companies that specialize in providing coverage to high-risk drivers. However, the most effective way to avoid the consequences of a DUI on insurance is to drive responsibly and avoid driving under the influence of alcohol or drugs. Any drunk driving conviction will affect more than your driving priviledges. Many employers frown upon a DUI conviction when considering the job applicant for hiring them on, promoting, or assignment for a certain task. FedEx, USPS, and UPS will fire any drivers who got a drunk driving conviction. Many police and fire departments will fire police officers and fire fighters with a drunk driving conviction.
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A DUI (Driving Under the Influence) conviction can significantly impact your auto insurance rates. Insurance companies consider DUI convictions as high-risk behavior, and individuals with DUIs are often deemed high-risk drivers. As a result, you may experience the following consequences:
<strong style=”background-color: var(–bb-content-background-color); font-family: inherit; font-size: inherit; color: var(–bb-body-text-color);”>Increased Premiums: Expect a substantial increase in your auto insurance premiums. Insurance companies view DUI convictions as an indication of risky behavior, and they adjust premiums accordingly.
<strong style=”background-color: var(–bb-content-background-color); font-family: inherit; font-size: inherit; color: var(–bb-body-text-color);”>Policy Cancellation or Non-Renewal: Some insurance companies may choose to cancel your policy or not renew it once they become aware of a DUI conviction. You might then need to seek coverage from a high-risk insurance provider, which tends to be more expensive.
<strong style=”background-color: var(–bb-content-background-color); font-family: inherit; font-size: inherit; color: var(–bb-body-text-color);”>SR-22 Requirement: In many cases, individuals with a DUI conviction may be required to file an SR-22 form with the state. An SR-22 is a certificate of financial responsibility that proves you have the minimum required insurance coverage. The need for an SR-22 often results in higher premiums.
<strong style=”background-color: var(–bb-content-background-color); font-family: inherit; font-size: inherit; color: var(–bb-body-text-color);”>Limited Coverage Options: With a DUI on your record, you may find that your choices for insurance coverage are limited, and you may need to rely on specialized high-risk insurance providers.
It’s important to note that the impact of a DUI on insurance rates can vary depending on factors such as your location, the insurance company, and your driving history. To mitigate the effects, some individuals explore options such as completing a defensive driving course or seeking insurance from companies that specialize in providing coverage to high-risk drivers. However, the most effective way to avoid the consequences of a DUI on insurance is to drive responsibly and avoid driving under the influence of alcohol or drugs.
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Here is a recent interview about the Biden Crime Family
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There should be term limits for all politicians. The reason Joe Biden is despicable and corrupt is because he has never had a job in his life. Joe Biden has been a career corrupt politician for over 50 years.
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i LOVE INDIAN CUISINE.
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Is it better to apply for insurance after you have maximized your credit scores?