STATE OF WASHINGTON

OFFICE OF THE INSURANCE COMMISSIONER

In The Matter of
ORDER NO. 15-0006
TREVOR \V. IRVING,

WAOIC#
NPN

Licensee.

To:

720002
10373633

ORDER REVOKING LICENSE

Trevor W. Irvine
5427 Caleb Ct SE
Lacey, \VA 98513
trevman84@yahoo.com
IT IS ORDERED AND YOU ARE HEREBY NOTIFIED that your

Washington State insurance producer's license is REVOKED, effective Januarj' 30,

2015, pursuant to RCW 48.17.530.
BASIS:
1.

Trevor W. Irving ("Licensee") is a Washington resident insurance producer,

WAOIC No. 720002, licensed February 2008. Licensee was previously appointed by
Farmers Insurance Group ("Farmers").
2.

Between July 2013 and February 2014, Licensee wrote fifty-five new auto

policies. Of these policies, Farmers cancelled forty for non-payment of premium, hi

addition to these policies, Licensee wrote seven for his own household. After writing the
forty policies. Licensee received gross unearned commissions of 549,980.15. Farmers
recovered 533,025.32 when it canceled the policies for non-payment. Licensee has not
repaid the remaining 516,954.83.
3.

After cancelling many of the policies. Farmers conducted an investigation

ORDER REVOKING LICENSE

ORDER NO. 15-0006
1196357

State of Washington "

Oftlce of Insurance Commissioner
5000 Capitol Blvd.
PO Box 40255
Oiympia, WA 98504-0255

of Licensee's policy history which revealed five questionable circumstances.

First,

Licensee often issued a replacement policy as soon as a policy canceled without paying
the premium owing on the prior policy. Second, Licensee added additional vehicles to a
household each time he wrote a new policy and repeated this process as many as eight
times for one insured. Third, Licensee listed the same address and phone number for six
insureds. Fourth, Licensee did not own the vehicles identified in the seven policies he
wrote for himself Fifth, at least seventeen vehicles that Licensee listed in policies did
not belong to the named insureds.
4.

Licensee later admitted that he wrote "fictitious auto policies." Licensee

explained that he submitted false applications that listed fictitious people and that he
wrote policies for himself that listed vehicles he did not own. Licensee indicated that he
submitted the false applications in order to earn commissions and keep his job.

APPLICABLE LAW:
1.

RCW 48.17.530(l)(b) authorizes the Insurance Commissioner to revoke

an insurance producer's license for violating any insurance laws or rules.

2.

RCW 48.17.530(l)(d) authorizes the Insurance Commissioner to revoke

an insurance producer's license for improperly withholding, misappropriating, or

converting any moneys or properties received in the course of doing insurance business.
3.

RCW 4S.i7.530(l)(e) authorizes the Insurance Commissioner to revoke

an insurance producer's license for intentionally misrepresenting the terms of an actual or

proposed insurance contract or application for insurance.
4.

RCW 48.l7.530(l)(g) authorizes the Insurance Commissioner to revoke

an insurance producer's license for having admitted or been found to have committed any
insurance unfair trade practice or fi'aud.
5.

RCW 48.17.530(l)(h) authorizes the Insurance Commissioner to revoke

an insurance producer's license for usingfraudulent,coercive, or dishonest practices, or

demonstrating incompetence, untrustworthiness, or financial irresponsibility in this state
or elsewhere.

ORDER REVOKING LICENSE

ORDER NO. 15-0006
1196357

State of Washington
Office of Insurance Commissioner
5000 Capitol Blvd.
PO Box 40255
Oiympia, WA 98504-0255

6.

RCW 48.l7.530(l)(j) authorizes the Insurance Commissioner to revoke an

insurance producer's license for forging another's name to an application for insurance or
to any document related to an insurance transaction.
7.

RCW 48.30.210 authorizes the Insurance Commissioner to revoke the

license of any person who knowingly makes a false or misleading statement or

impersonation, or who willfially fails to reveal a material fact, in or relative to an
application for insurance to an insurer.

IT IS FURTHER ORDERED that you return your insurance producer's license

certificate to the Insurance Commissioner on or before the effective date of the
revocation of your license, as required by RCW 48.17.530(4). Return your license to:
Licensing Manager
Office of the Insurance Commissioner
P. O. Box 40257
Oiympia, WA 98504-0257
Executed this

1^

day of January, 2015.

MIKE KREIDLER
Insurance Commissioner
By and through his designee

Drew Stillman
Insurance Enforcement Specialist
Lesal Affairs Division

ORDER REVOKING LICENSE

ORDER NO. 15-0006
1196357

State of Washington
Office of Insurance Commissioner
5000 Capitol Blvd.
PO Box 40255
Oiympia, WA 9S504-0255

NOTICE OF YOUR RIGHT TO A HEARING

If you are aggrieved by this Order Revoking License, RCW 48.04.010 permits
you to demand a hearing. You must demand a hearing in writing within 90 days after
the date of this Order Revoking License or you will waive your right to a hearing.
If the Insurance Commissioner receives your demand for a hearing before the
effective date listed on the order revoking your license, the revocation yvill be
automatically stayed (postponed) and your license will remain in effect pending the
hearing.
Your demand for a hearing should be sent to the following address and must
briefly state how you are harmed by this decision and why you disagree with it:
Hearings Unit
Office of the Insurance Commissioner
PO Box 40255
Oiympia, WA 98504-0255
You will be notified of the time and place of your hearing. If you have
questions about filing a demand for hearing or the hearing process, please telephone the
Hearings Unit at (360) 725-7002 or send an email to HearinesUffl).01C.wa.gov.

ORDER REVOKING LICENSE

ORDER NO. 15-0006
1196357

State of Washington
Office of Insurance Commissioner
5000 Capitol Blvd.
PO Bo.x 40255
Oiympia, WA 98504-0255

CERTIFICATE OF MAILING
The undersigned certifies under the penalty of perjury under the laws of the state
of Washington that 1 am now and at all times herein mentioned, a citizen of the United
States, a resident of the state of Washington, over the age of eighteen years, not a party to
or interested in the above-entitled action, and competent to be a witness herein.
On the date given below I caused to be ser\'ed the foregoing ORDER
REVOKING LICENSE on the following individual via US Mail and Email.
Trevor W. lr\'ine
5427 Caleb Ct SE
Lacey, WA 98513
trevman84@yahoo.com
Dated this 1 ^

day of January, 2015, in Tumwater, Washington.

ORDER REVOKING LICENSE

ORDER NO. 15-0006
1196357

State of Washington
Office of Insurance Commissioner
5000 Capitol Blvd.
PO Box 40255
OK-mpia, WA 98504-0255