That's where A.I.M. comes in. We're experienced in finding and recovering overcharges that occur because of mistakes in classification , Experience Modification Factors , payroll audits, and other technical factors that can increase premiums improperly. Sometimes, prospective clients tell me that they think their agent should provide such service, and that they expect that they are already receiving such service. But I can only say that, since I work on a contingent-fee basis most of the time, if agents were catching all the mistakes that occur, I wouldn't be able to earn a living at this. I don't blame agents for this.
Most agents are dedicated professionals who work hard to take care of their clients.
But many of these technical mistakes that we find are just out of the hands of agents. The system is set up in such a way that it's difficult, if not impossible, for agents to catch and correct many of the kinds of mistakes we find. For instance, when it comes to determining proper classifications, most of the decision making is out of agents' hands. That's handled by insurance company underwriters, the rating bureau, and premium auditors. Agents have to rely on these other parts of the system to perform well, and agents often have very limited authority to overrule decisions made by these others.