Griffin Chief State Attorney

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    Aponte, Suhail

    From: John Griffin

    Sent: Wednesday, October 30, 2013 11:43 AM

    To: Griffin, John

    Attachments: 20131030114252645.pdf

    E "E5C8DB" (A 8000).

    D: 10.30.2013 11:42:52 (0400)

    : @.

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    Aponte, Suhail

    From: John Griffin

    Sent: Tuesday, October 22, 2013 12:25 PM

    To: Griffin, John

    Attachments: 20131022122505733.pdf

    E "E5C8DB" (A 8000).

    D: 10.22.2013 12:25:05 (0400)

    : @.

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    Aponte, Suhail

    From: Reid, Richard

    Sent: Thursday, October 03, 2013 11:34 AM

    To: Griffin, John

    Subject: RE: http://www.cga.ct.gov/2005/rpt/2005-R-0025.htm complaint 04944

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    C A G

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    E: (860)2973848

    FA: (860)2973872

    : .@.

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, October 03, 2013 11:01 AMTo:Reid, RichardSubject:http://www.cga.ct.gov/2005/rpt/2005-R-0025.htmcomplaint 04944

    Hi Richard,

    Should the Citys concern about the possibility of a City Official being connected with what appears to be insurance fraudwith Hybrid be direct to the Chief States Attorney now since you indicated the ID would not be addressing thatissue. However, if it is proven a City Official was involved in what appears to be insurance fraud, how does the IDaddress that issue? Any guidance would be appreciated.

    Many thanks!

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201

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    F: 860.722.8565E: [email protected]

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    Aponte, Suhail

    From: Griffin, John

    Sent: Wednesday, October 02, 2013 5:08 PM

    To: [email protected]

    Subject: Hybrid

    Attachments: Complaint 04944; FW: Complaint 04944

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    Aponte, Suhail

    From: Griffin, John

    Sent: Wednesday, October 02, 2013 4:22 PM

    To: NANCY COSGROVE

    Subject: FW: Complaint 04944

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201

    F: 860.722.8565E: [email protected]

    From:Griffin, JohnSent:Wednesday, October 02, 2013 4:20 PMTo:[email protected]:Complaint 04944

    Dear Mr. Reid,

    Please accept this as the Citys formal request to seek action from the Chief States Attorney regarding the abovecomplaint. Also, if permissible under your rules, please provide a copy of your letter to Hybrid regarding possibleviolations under the CT insurance statues. If you cannot provide copies of the letter(s), please consider this an FOIrequest for those documents.

    Thank you,

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

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    Aponte, Suhail

    From: Griffin, John

    Sent: Wednesday, October 02, 2013 4:20 PM

    To: [email protected]

    Subject: Complaint 04944

    Dear Mr. Reid,

    Please accept this as the Citys formal request to seek action from the Chief States Attorney regarding the abovecomplaint. Also, if permissible under your rule, please provide a copy of your letter to Hybrid regarding possible violationsunder the CT insurance statues. If you cannot provide copies of the letter(s), please consider this an FOI request for thosedocuments.

    Thank you,

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance Management

    Office of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

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    Aponte, Suhail

    From: Griffin, John

    Sent: Thursday, September 19, 2013 6:01 PM

    To: SCOTT C SUNDBERG; NANCY COSGROVE

    Cc: Griffin, John

    Subject: Fwd: Hybrid Insurance Group, Complaint 04944

    Attachments: image002.jpg; image003.jpg; image002.jpg

    F, 10:30 .

    B :

    ", "

    19, 2013, 4:29:16 ED

    "'G, '"

    Mr. Griffin:

    The Department would determine if violations of insurance law under the Commissioners

    jurisdiction have been violated, and take appropriate action. Whether that includes a referral to

    another state agency, at this point I cannot say.

    Sec. 38a-715. (Formerly Sec. 38-90a). Payment by insured to producer as payment to

    company.Any payment made by or on behalf of an insured to any producer for policies ofinsurance which have been issued to such producer for delivery to the insured or issued directly

    to the insured on the order of such producer shall, in controversies between the insured and the

    company, be deemed to have been paid to the company.

    A E

    F &

    C D

    E: (860)2973848

    FA: (860)2973872: .@.

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, September 19, 2013 3:33 PMTo:Reid, RichardSubject:Hybrid Insurance Group, Complaint 04944

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    Hi Richard,

    Attached are the applications sent to Hybrid.

    Ifthe ID determines a criminal act has been committed in this matter, will the ID refer it the AttorneyGenerals Office. We trust your team will give this matter the highest priority and we thank you for yourefforts in advanced.

    Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurersagent, coverage must be extended regardless of the insurer actually being paid by the agent.

    John W. GriffinExecutive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201

    F: 860.722.8565E: [email protected]

    Thelinked imagecannotbed isplayed.The filemay havebeen moved,renamed,or deleted.Verify thatthelink pointsto thecorrect fileand location.

    From:Alicia M. Flanders [mailto:[email protected]]

    Sent:Thursday, September 19, 2013 2:58 PMTo:Griffin, JohnSubject:RE: Hybrid Insurance Group

    H ,

    A H E

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    H

    C E .

    .

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    HD

    2036994523

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, September 19, 2013 12:47 PMTo:Alicia M. Flanders

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    Cc:NANCY COSGROVESubject:FW: Hybrid Insurance Group

    Please send application sent to Hybrid.

    John W. GriffinExecutive DirectorRisk, Insurance and Compliance ManagementOffice of Financial Management

    Hartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

    Thelinked imagecannotbed isplayed.The filemay havebeen moved,renamed,or deleted.Verify thatthelink pointsto thecorrect fileand location.

    From:Griffin, JohnSent:Thursday, September 19, 2013 12:45 PMTo:'[email protected]'Cc:Stegall, AmySubject:Hybrid Insurance Group

    Hi Richard,

    We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per

    your request. Please advise before 25thif I can provide any support documents.

    Thank you,

    John W. GriffinExecutive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------

    O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

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    Thelinked imagecannotbed isplayed.The filemay havebeen moved,renamed,or deleted.Verify thatthelink pointsto thecorrect fileand location.

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    Aponte, Suhail

    From: Griffin, John

    Sent: Thursday, September 19, 2013 6:01 PM

    To: SCOTT C SUNDBERG; NANCY COSGROVE

    Cc: Griffin, John

    Subject: Fwd: Hybrid Insurance Group, Complaint 04944

    Attachments: image002.jpg; image003.jpg; image002.jpg

    F, 10:30 .

    B :

    ", "

    19, 2013, 4:29:16 ED

    "'G, '"

    Mr. Griffin:

    The Department would determine if violations of insurance law under the Commissioners

    jurisdiction have been violated, and take appropriate action. Whether that includes a referral to

    another state agency, at this point I cannot say.

    Sec. 38a-715. (Formerly Sec. 38-90a). Payment by insured to producer as payment to

    company.Any payment made by or on behalf of an insured to any producer for policies ofinsurance which have been issued to such producer for delivery to the insured or issued directly

    to the insured on the order of such producer shall, in controversies between the insured and the

    company, be deemed to have been paid to the company.

    A E

    F &

    C D

    E: (860)2973848

    FA: (860)2973872: .@.

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, September 19, 2013 3:33 PMTo:Reid, RichardSubject:Hybrid Insurance Group, Complaint 04944

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    Hi Richard,

    Attached are the applications sent to Hybrid.

    Ifthe ID determines a criminal act has been committed in this matter, will the ID refer it the AttorneyGenerals Office. We trust your team will give this matter the highest priority and we thank you for yourefforts in advanced.

    Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurersagent, coverage must be extended regardless of the insurer actually being paid by the agent.

    John W. GriffinExecutive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201

    F: 860.722.8565E: [email protected]

    Thelinked imagecannotbed isplayed.The filemay havebeen moved,renamed,or deleted.Verify thatthelink pointsto thecorrect fileand location.

    From:Alicia M. Flanders [mailto:[email protected]]

    Sent:Thursday, September 19, 2013 2:58 PMTo:Griffin, JohnSubject:RE: Hybrid Insurance Group

    H ,

    A H E

    .

    H

    C E .

    .

    A F

    HD

    2036994523

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, September 19, 2013 12:47 PMTo:Alicia M. Flanders

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    Cc:NANCY COSGROVESubject:FW: Hybrid Insurance Group

    Please send application sent to Hybrid.

    John W. GriffinExecutive DirectorRisk, Insurance and Compliance ManagementOffice of Financial Management

    Hartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

    Thelinked imagecannotbed isplayed.The filemay havebeen moved,renamed,or deleted.Verify thatthelink pointsto thecorrect fileand location.

    From:Griffin, JohnSent:Thursday, September 19, 2013 12:45 PMTo:'[email protected]'Cc:Stegall, AmySubject:Hybrid Insurance Group

    Hi Richard,

    We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per

    your request. Please advise before 25thif I can provide any support documents.

    Thank you,

    John W. GriffinExecutive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------

    O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

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    Thelinked imagecannotbed isplayed.The filemay havebeen moved,renamed,or deleted.Verify thatthelink pointsto thecorrect fileand location.

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    Aponte, Suhail

    From: Griffin, John

    Sent: Thursday, September 19, 2013 5:59 PM

    To: Reid, Richard

    Cc: Griffin, John

    Subject: Re: Hybrid Insurance Group, Complaint 04944

    ,

    G

    19, 2013, 4:30 , ", " :

    Mr. Griffin:

    The Department would determine if violations of insurance law under the Commissioners

    jurisdiction have been violated, and take appropriate action. Whether that includes a referral to

    another state agency, at this point I cannot say.

    Sec. 38a-715. (Formerly Sec. 38-90a). Payment by insured to producer as payment to

    company.Any payment made by or on behalf of an insured to any producer for policies of

    insurance which have been issued to such producer for delivery to the insured or issued directly

    to the insured on the order of such producer shall, in controversies between the insured and the

    company, be deemed to have been paid to the company.

    A E

    F &

    C D

    E: (860)2973848

    FA: (860)2973872

    : .@.

    From:Griffin, John [mailto:[email protected]]

    Sent:Thursday, September 19, 2013 3:33 PMTo:Reid, RichardSubject:Hybrid Insurance Group, Complaint 04944

    Hi Richard,

    Attached are the applications sent to Hybrid.

    Ifthe ID determines a criminal act has been committed in this matter, will the ID refer it the AttorneyGenerals Office. We trust your team will give this matter the highest priority and we thank you for yourefforts in advanced.

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    Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurersagent, coverage must be extended regardless of the insurer actually being paid by the agent.

    John W. GriffinExecutive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

    From:Alicia M. Flanders [mailto:[email protected]]Sent:Thursday, September 19, 2013 2:58 PMTo:Griffin, JohnSubject:RE: Hybrid Insurance Group

    H ,

    A H E

    .

    H

    C E .

    .

    A F

    HD

    2036994523

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, September 19, 2013 12:47 PMTo:Alicia M. FlandersCc:NANCY COSGROVESubject:FW: Hybrid Insurance Group

    Please send application sent to Hybrid.

    John W. GriffinExecutive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------

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    O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

    From:Griffin, JohnSent:Thursday, September 19, 2013 12:45 PM

    To:'[email protected]'Cc:Stegall, AmySubject:Hybrid Insurance Group

    Hi Richard,

    We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid peryour request. Please advise before 25

    thif I can provide any support documents.

    Thank you,

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

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    Aponte, Suhail

    From: Reid, Richard

    Sent: Thursday, September 19, 2013 4:29 PM

    To: Griffin, John

    Subject: RE: Hybrid Insurance Group, Complaint 04944

    Mr. Griffin:

    The Department would determine if violations of insurance law under the Commissioners jurisdiction have been

    violated, and take appropriate action. Whether that includes a referral to another state agency, at this point I

    cannot say.

    Sec. 38a-715. (Formerly Sec. 38-90a). Payment by insured to producer as payment to company.Any

    payment made by or on behalf of an insured to any producer for policies of insurance which have been issued to

    such producer for delivery to the insured or issued directly to the insured on the order of such producer shall, in

    controversies between the insured and the company, be deemed to have been paid to the company.

    A E

    F &

    C D

    E: (860)2973848

    FA: (860)2973872

    : .@.

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, September 19, 2013 3:33 PMTo:Reid, RichardSubject:Hybrid Insurance Group, Complaint 04944

    Hi Richard,

    Attached are the applications sent to Hybrid.

    Ifthe ID determines a criminal act has been committed in this matter, will the ID refer it the Attorney Generals Office. Wetrust your team will give this matter the highest priority and we thank you for your efforts in advanced.

    Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurers agent, coveragemust be extended regardless of the insurer actually being paid by the agent.

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103

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    ---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

    From:Alicia M. Flanders [mailto:[email protected]]Sent:Thursday, September 19, 2013 2:58 PMTo:Griffin, JohnSubject:RE: Hybrid Insurance Group

    H ,

    A H E .

    H C

    E .

    .

    A F

    HD

    2036994523

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, September 19, 2013 12:47 PMTo:Alicia M. FlandersCc:NANCY COSGROVESubject:FW: Hybrid Insurance Group

    Please send application sent to Hybrid.

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance Management

    Office of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

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    From:Griffin, John

    Sent:Thursday, September 19, 2013 12:45 PMTo:'[email protected]'Cc:Stegall, AmySubject:Hybrid Insurance Group

    Hi Richard,

    We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per yourrequest. Please advise before 25

    thif I can provide any support documents.

    Thank you,

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

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    Aponte, Suhail

    From: Griffin, John

    Sent: Thursday, September 19, 2013 4:01 PM

    To: Altieri, Paula A.

    Subject: FW: Hybrid Insurance Group, Complaint 04944

    Attachments: Alteris App.pdf; Alteris SB App.pdf; SB Application.pdf

    See note below to the ID

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644

    C: 860.986.2201F: 860.722.8565E: [email protected]

    From:Griffin, JohnSent:Thursday, September 19, 2013 3:41 PMTo:SCOTT C SUNDBERG; NANCY COSGROVESubject:FW: Hybrid Insurance Group, Complaint 04944

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

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    From:Griffin, John

    Sent:Thursday, September 19, 2013 3:33 PMTo:[email protected]:Hybrid Insurance Group, Complaint 04944

    Hi Richard,

    Attached are the applications sent to Hybrid.

    Ifthe ID determines a criminal act has been committed in this matter, will the ID refer it the Attorney Generals Office. Wetrust your team will give this matter the highest priority and we thank you for your efforts in advanced.

    Finally, please direct me to the Insurance regulation that outlines that when a company pays the insurers agent, coveragemust be extended regardless of the insurer actually being paid by the agent.

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201

    F: 860.722.8565E: [email protected]

    From:Alicia M. Flanders [mailto:[email protected]]

    Sent:Thursday, September 19, 2013 2:58 PMTo:Griffin, JohnSubject:RE: Hybrid Insurance Group

    H ,

    A H E

    .

    H C

    E .

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    25

    .

    A F

    HD

    2036994523

    From:Griffin, John [mailto:[email protected]]Sent:Thursday, September 19, 2013 12:47 PMTo:Alicia M. FlandersCc:NANCY COSGROVESubject:FW: Hybrid Insurance Group

    Please send application sent to Hybrid.

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools

    960 Main Street - 9th FloorHartford, CT 06103---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]

    From:Griffin, JohnSent:Thursday, September 19, 2013 12:45 PMTo:'[email protected]'Cc:Stegall, AmySubject:Hybrid Insurance Group

    Hi Richard,

    We appreciate your swift action on the complaint with Hybrid. I will forward the application for Hybrid per your

    request. Please advise before 25th

    if I can provide any support documents.

    Thank you,

    John W. Griffin

    Executive DirectorRisk, Insurance and Compliance ManagementOffice of Financial ManagementHartford Public Schools960 Main Street - 9th FloorHartford, CT 06103

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    ---------------------------------------------------------O: 860.695.8644C: 860.986.2201F: 860.722.8565E: [email protected]