Register here to view the forum without ads

Insurance Agent Forum
Join our Facebook Fan Page  Join our LinkedIn Group of Insurance Agents  Follow Insurance Agents Forum on Twitter
Currently Online: 247
Members: 13,185
Discussions: 15,201
Messages: 199,367
Views: 7,986,970

Go Back   Insurance Agent Forum > Insurance Agents and Brokers Forum > General Insurance Agent Discussions

Health Choice One

Scroll down for a discussion on Ethical issue... or not? within the General Insurance Agent Discussions.

I was invited to a crab-feed (very popular this time of year on West coast) from the local reps of BeneFit Mall. It is put ...


Reply to Ethical issue... or not?
Old 02-22-2007, 09:41 PM   #1
al3
Guru
 
al3 on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,393
Ethical issue... or not?             Go to Top


I was invited to a crab-feed (very popular this time of year on West coast) from the local reps of BeneFit Mall. It is put on by http://www.sahu-ca.com/ and is held in a local church and is a fundraiser for the organization. The tix are $40. I'll be a guest.

I've sent group health business to them. However, AM I at RISK for some kind of ethical violation or conflict of interest if I accept this invitation? I'd like to go as there will be 500 other brokers/agents (members) there and maybe I can make new friends, contacts, etc.

Is it OK in the insurance biz to go to:

http://www.sahu-ca.com/files/SAHU_Crab-Feed_Flyer.pdf

... and not worry about a call from the DOI? (Obviously I'm new to all of this!!!)


Thanks,

Al
Choose Insurance Type

Enter Zip Code
al3 is offline   Reply With Quote to Ethical issue... or not?

Register Now for FREE!
Are you an Insurance Agent Forum member yet? To sign up for your FREE INSTANT account, fill out the form below!

Username:     Password:   Confirm Password:     E-Mail:   Confirm E-Mail:

    Question of the day:   What is the fifth letter of the word Insurance? Agree to forum rules 


Old 02-22-2007, 10:54 PM   #3
Guru
 
salpro22 on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Dec 2006
Posts:2,217
             Go to Top

HaHa, let's get it on.
salpro22 is offline   Reply With Quote to Ethical issue... or not?
Old 02-23-2007, 07:24 AM   #4
Guru
 
healthagent on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:9,799
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
             Go to Top

Actually, if she or one of her friends ever Googled her name that post would show up. Then one day someone knocks on the door and says "Al Canton? Sign here please."
------------------------------------
Health Insurance Agents: Training, Support, Discounts, E&O for $440 www.ihiaa.com

Read our blog: www.IHIAA.blogspot.com
healthagent is online now   Reply With Quote to Ethical issue... or not?
Old 02-23-2007, 10:13 AM   #5
Guru
 
Peelerinsurance.com on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Nov 2006
Posts:851
State: Peelerinsurance.com is an Insurance Agent from Texas
Send a message via AIM to Peelerinsurance.com
             Go to Top

OUCH!!!! Thats cold blooded
Peelerinsurance.com is offline   Reply With Quote to Ethical issue... or not?
Old 02-23-2007, 10:39 AM   #6
al3
Guru
 
al3 on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,393
             Go to Top

Wrong one. I checked. Too bad. It would have been fun catching up. We were an item... long time ago.

Oh, you might want to take down the pictures as they are copyrighted by EITHER whomever took them OR whomever published them. One thing I'm certain of is that you don't have permission to post (publish) them here.

If any of these people search the web and come up with the pix, someone here could be in for a legal issue. And since the pix are 'associated' with 'crabs' they could show defimation. However they would have to show damages.. and that believe it or not is not difficult for even a 3rd year law student to do (I once attended laws school... for about three hours!!!) "Coming up" with damages is alwasy the easiest part of a case? Why? Simple. People lie in court.

I don't know much about insurance law, but 15 years in the publishing industry ( http://www.adams-blake.com ) has taught me a bit about publishing law!!!!


Al
al3 is offline   Reply With Quote to Ethical issue... or not?
Old 02-23-2007, 11:00 AM   #7
Guru
 
Melmunch3 on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Aug 2006
Posts:1,259
Send a message via AIM to Melmunch3
             Go to Top

My lawyer concurs, sorry, but I have to clean the thread.
Melmunch3 is offline   Reply With Quote to Ethical issue... or not?
Old 02-23-2007, 11:38 AM   #8
Guru
 
STIBROKER@AUSTIN.RR.COM on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,761
State: STIBROKER@AUSTIN.RR.COM is an Insurance Agent from Texas
             Go to Top

No....if a picture is published on the net it is public domain....


http://bressler.org/forum/showthread...ght=gray+davis



On Monday, June 14th, I appeared before the Small Claims Court of Los Angeles County to defend myself, and Bressler.org, in a lawsuit charging theft of intellectual property. The charge stemmed from our 2003 CA Recall Photoshop Thread and the publication on this website of Peckable’s “Dave Gravis” parody. I learned on Saturday that the case has been dismissed, with prejudice. We won! Freedom of speech is alive and well in the People’s Republic of California.

I’ve kept this a secret since the whole thing started. Peckable knew enough (maybe why he hasn’t been around much lately) and Barb101 knew a little. I didn’t want to scare anyone from participating and felt pretty confident that I’d win eventually (didn’t want to jinx myself either). It has been a long and nerve-wracking process, and one in which I believe the court made it even more difficult.

It all started after a few emails between me and an LA Times Reporter led to their publication of the parody right before the recall election. About a month afterward, Gray Davis’s photographer sent me a bill for $1000 for use of the original Davis photograph that Peckable altered. Naturally, I had no intention of paying, but wanted to extend the courtesy of a reply to explain why. This was against the advice of many, including Drew Curtis of Fark. Drew indicated that he receives multiple claims of this sort every week, and learned from experience that it wasn’t worth the bother.

Regardless, I asked a friend if he knew a lawyer who’d ‘make it official’ so to speak... review my position for accuracy and draft something on his letterhead in reply.

The photographer then called me at home and threatened to pursue it further, asking if I would care to settle the matter for a cash payment (a frequent theme with him). He said the LA Times had already settled with him for $250, and recommended I do the same. I declined. He filed suit against me in Los Angeles County Small Claims Court for $3000.

http://bushwhacked.net/bits/levine.mp3

I don’t want to make this story too long, but in brief let me say that I was NEVER legally served in this case. As a result, I didn’t attend the initial hearing which took place while I was in China. Even though I contacted the court before leaving to verify that I didn’t need to attend, somehow a $1500 “default” judgment was entered against me (plus $50+ in expenses).

On my return, I filed a motion to vacate the default judgment and change venue of the case to Sacramento County. Again, the court’s advice was that I would not have to appear just to argue for these motions (on a case where I’d never been served). They were wrong.

After a hearing date was set, the photographer called once again, mentioning how inconvenient it would be for me to come down to LA and how I was going to lose on both motions. Again, he offered to settle, this time for the original $1000 that he billed me for. It seemed telling to me that someone with a default $1500 judgment would be trying to bargain down to keep me from defending myself.

I went to LA County on June 14th intending to argue for my two motions. The judge indicated that she was going to vacate the judgment, but was NOT inclined to change venue. However, in lieu of me having to come down to LA a second time she was willing to hear the case then, if I wanted to. I said that I did not have all the materials that I expected to use in my defense, but I thought it was a pretty clear cut issue and was willing to ‘go for it’.

The photographer’s case was an interesting one. To hear him tell it, Peckable’s parody was primarily responsible for Gray Davis’s recall, and hence, destroying the value of his photograph. Yes friends… Bressler.org brought down the Governor of California with a single Photoshop. Fear the power of the internet.

For my part, I defended the free use of the parody based on Section 107 of the Copyright Law of the United States of America, which states:

Quote:
.§ 107. Limitations on exclusive rights: Fair use

Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright. In determining whether the use made of a work in any particular case is a fair use the factors to be considered shall include —

(1) the purpose and character of the use, including whether such use is of a commercial nature or is for nonprofit educational purposes;

(2) the nature of the copyrighted work;

(3) the amount and substantiality of the portion used in relation to the copyrighted work as a whole; and

(4) the effect of the use upon the potential market for or value of the copyrighted work.

The fact that a work is unpublished shall not itself bar a finding of fair use if such finding is made upon consideration of all the above factors.
The judge showed a great deal of interest in how the photographer had concocted his dollar amounts. The original $1000 was his “day rate”, how much it would cost to hire him for the day. How did he come up with the $3000? “I tripled it”. The judge didn’t seem too impressed with his methodology, especially when I pointed out, and he couldn’t deny, that he had received an email from the LA Times indicating that their usual rate for a picture the size of the parody was $50-$75.

In my arguments, I expanded on each of the four factors listed in Section 107. (1) It was never intended to make make any profit for myself or the creator, and never had. (2) The nature of the original photograph was not unique - a basic headshot, was virtually public domain, and I challenged the court to find anyplace online where the original photo was credited to the photographer... I could find dozens of places, and several parodies where it wasn't. (3) The parody was substantially different in appearance and intent from the photograph. (4) The parody couldn't possibly have any effect on the market value of the original photo and couldn't possibly have cost Davis his job.

I was still rambling on when the judge had apparently heard enough. With a half-smile she noted that I had already “done a good job” of presenting the Fair Use provision of US Copyright Law and she would need time to consider judgment. Basically, shut-up and quit while you’re ahead (or maybe she noticed my bulge).

I left her with this attachment.

http://bushwhacked.net/bits/Parody.pdf

The final judgment: “After submission, court rules as follows: Plaintiff’s claim is dismissed with prejudice. Defendant’s use on his website of an altered version of plaintiff’s copyrighted photo of Governor Davis was political parody and constituted “Fair Use” rather than infringement under Section 107 of the Copyright Act.”

Oh, and in case you're curious, before the case I did acquire a registered copyright on Peckable’s Photoshop, with his permission. I was hoping to get a chance to craftily employ it during the trial (e.g., “Does the court consider the U.S. Copyright office an impartial guide as to whether a derivative work meets the fair use provisions? BAM!”), but the Come to Jesus moment never happened. However, if anyone plans on making t-shirts with this now worthless Photoshop… better see me first.

I think I'll be having a professional printing done, sign it “Thanks for the memories – JB” and send it to the photographer.

Carry on…
STIBROKER@AUSTIN.RR.COM is offline   Reply With Quote to Ethical issue... or not?
Old 02-23-2007, 11:53 AM   #9
Guru
 
Melmunch3 on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Aug 2006
Posts:1,259
Send a message via AIM to Melmunch3
             Go to Top

We might win, but I have no interest in a fight. In any case, the whole crabs thing is the real issue.
Melmunch3 is offline   Reply With Quote to Ethical issue... or not?
Old 02-23-2007, 02:17 PM   #10
al3
Guru
 
al3 on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,393
             Go to Top

no....if a picture is published on the net it is public domain....
OK. Go to the NY Times or Washington Post or any other large publisher's site and download one of their pix or one that is from the AP wire and post it on your site.

Let me know and I'll contact the publisher and we can find out very quickly if what you grab from the net is public domain or not.

When you have to sell that beautiful house of yours (with the pool!) to pay damages, I'll be the first bidder!!!! I wonder if I can get your BMW too !!! :-)

Al
al3 is offline   Reply With Quote to Ethical issue... or not?
Old 02-23-2007, 07:14 PM   #11
Guru
 
STIBROKER@AUSTIN.RR.COM on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,761
State: STIBROKER@AUSTIN.RR.COM is an Insurance Agent from Texas
             Go to Top

Originally Posted by al3
no....if a picture is published on the net it is public domain....
OK. Go to the NY Times or Washington Post or any other large publisher's site and download one of their pix or one that is from the AP wire and post it on your site.

Let me know and I'll contact the publisher and we can find out very quickly if what you grab from the net is public domain or not.

When you have to sell that beautiful house of yours (with the pool!) to pay damages, I'll be the first bidder!!!! I wonder if I can get your BMW too !!! :-)

Al
and if I make changes to it and claim it as my own.....and on the flip side...I provide links and credit and not claim it as my own....now stating this particular person had crabs...that slander.......and if you can prove it...is not slander....but if the person in the picture was not the same person....slander.....
STIBROKER@AUSTIN.RR.COM is offline   Reply With Quote to Ethical issue... or not?
Old 02-24-2007, 09:14 AM   #12
Guru
 
healthagent on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:9,799
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
             Go to Top

You may or may not be able to post a pic on your website or forum but you most certainly can link to it.
healthagent is online now   Reply With Quote to Ethical issue... or not?
Old 02-24-2007, 11:16 AM   #13
al3
Guru
 
al3 on Ethical issue... or not? - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,393
             Go to Top

Originally Posted by john_petrowski
You may or may not be able to post a pic on your website or forum but you most certainly can link to it.
Yes, this is true. One thing a lot of people don't know is that if have your pix taken by someone with their camera, for pay or no pay, THEY own the copyright of the pix, not you, unless otherwise agreed upon. Same with book covers.

The pix owner might give you permission to use a pix you hired him to take of you on your book, but NOT on a poster for the major motion movie that someone decides to make of you... without extra royalty payment.

Many photographers consign their pix to a large company that puts out catalogs and who do the marketing to publishers, ad agencies, etc. If I want to publish your book on insurance I would go to one of these catalogs to find just the right cover pix for the book and pay a fee to the company who takes cut and passes the rest on to the original photographer. For $300 I may get to use the pix on a print run of 20,000. If your book is a big seller I need to pay more to the the pix company.

Same with graphic artists who design book covers, and other items. Unless it is stipulated that it is "work for hire AND that the results are the property of the buyer" the artists owns her work. Some artists give up this right, but not all. Depends on how 'famous' the designer is, and what the project is.

More than you wanted to know, right?

Al

Choose Insurance Type Enter Zip Code


al3 is offline   Reply With Quote to Ethical issue... or not?
Reply to Ethical issue... or not?

  Insurance Forum > Insurance Agent Forum > Insurance Agents and Brokers Forum > General Insurance Agent Discussions



Thread Tools
Display Modes

Similar Threads with Ethical issue... or not?
Thread Thread Starter Forum Replies Last Post
I need a TRUE Guaranteed Issue Product with LOW Issue Ages Agent4Life Life Insurance Forum 11 10-27-2008 07:29 AM
Guaranteed Issue joshril Insurance Offers 9 10-21-2008 07:04 PM
Is this ethical or legal? robliano Getting Started Selling Insurance 65 08-23-2008 09:43 PM



All times are GMT -5. The time now is 11:35 AM.


Powered by vBulletin® Version 3.6.12 Secure
Copyright ©2000 - 2009, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.3.0