Number 1 Insurance Marketing Services Michael Mukaled Deceptive, Immoral, Money Hungry, Careless, Internet

Number 1 Insurance is an excellent insurance agency, and the owner Mr Michael Mukaled is one of the best people I have ever known. I wrote bad reviews about him when I though he was bad mouthing me, but it turns out he was innocent and I regret having done that.  Michael has one of the kindest hearts and he forgave me for what I did, that says a lot about the man.  I truly admire and love Mr Michael Mukaled and I wish to one day learn the business and life skills he has.   Michael runs his agency well, but it is a business and he understands the industry and what it takes to succeed.  I have worked at many other insurance agencies and Number 1 Insurance by far exceeds most in the service they provide, selection of products available, and that family touch that Mr Mike offers his employees.  The company has had a few disgruntled employees, like my past self unfortunately bad mouth it on this silly website, do not listen to any of those reviews.  This is a great place to work or buy a quality policy.  I am not being paid or coerced in any way to write this and this is my true opinion of this agency and its owner, my dear friend of many years Mr Mukaled.

I have pleaded with RipOffReport to remove the rebuttals and reports, but they insist on standing by their policy that no reports will ever be removed.  I have teamed up with Mr Mukaled and his lawyer and we will take this matter to court to remove the slanderous reports against him off of this page.  It is very frustrating that this website sitemaster does not remove any reports even when the author of a report requests them to do so.  I think that is unreasonable.  

 The rebuttals in which the author identifies themselves as the author of the original post and retracts everything stated were absolutely not made by me and most likely were posted at the request of the business owner himself. I stand behind every word of the initial post. The owner of this business behaved in the most unethical manner I have seen in all my years, toward both his clients and his employees. I would advise thinking twice before going into business of any form with him.

Number 1 Insurance is an excellent insurance agency, and the owner Mr Michael Mukaled is one of the best people I have ever known. I wrote bad reviews about him when I though he was bad mouthing me, but it turns out he was innocent and I regret having done that.  Michael has one of the kindest hearts and he forgave me for what I did, that says a lot about the man.  I truly admire and love Mr Michael Mukaled and I wish to one day learn the business and life skills he has.   Michael runs his agency well, but it is a business and he understands the industry and what it takes to succeed.  I have worked at many other insurance agencies and Number 1 Insurance by far exceeds most in the service they provide, selection of products available, and that family touch that Mr Mike offers his employees.  The company has had a few disgruntled employees, like my past self unfortunately bad mouth it on this silly website, do not listen to any of those reviews.  This is a great place to work or buy a quality policy.  I am not being paid or coerced in any way to write this and this is my true opinion of this agency and its owner, my dear friend of many years Mr Mukaled.

I have pleaded with RipOffReport to remove the rebuttals and reports, but they insist on standing by their ridiculous policy that no reports will ever be removed.  I have teamed up with Mr Mukaled and his lawyer and we will take this matter to court to remove the slanderous reports against him off of this page.  It is very frustrating that this website is run so stubborn and with rules that do not make sense.  If the author of an article or rebuttal request to remove or retract their reports, how can a site master deny such a reasonable request!! It makes no sense, and is just plain stupid! 

The original post by the author (an overweight angry woman I might add - Carmen Ponce) did tell a lot of truth about Number 1 Insurance and the illegitimacy of it's owner Michael Mukaled.  She was a very sick person however herself to attack the agents at Number 1 Insurance for our backgrounds had nothing to do with the illegal business practices that Number 1 Insurance owner employed.  I am glad her report was posted to warn consumers, it is interesting that she "knew" and was "appalled" of all the practices and she was the one that worked on the personal auto side of the agency and she had employed these practices herself under Michael's orders.  Interesting that she would blame everyone else there and forget herself.

buyer beware, do not buy insurance from here - this agency is crooked

The "employee" calling Michael honest, is Michael himself.  Anyone who has worked here knows this man is not honest and is unethical.  Check out all the negative reviews on this company on Yelp, they are hidden under "not recommended" becasue the owner flags them.  Also, there have been many negative reviews on Yahoo and reports to the BBB and DOI against this company that I have witnessed Michael respond to constantly.  The man is shady, do not buy anything from here, he puts his interests first, not the clients. He does not train his agents to sell you the right coverage, he trains them to sell you what will lower his loss ratio and give the companies he works for happy.  He is the strangest boss in insurance becasue he does not think like most honest people, he is actually happy when your claim is denied rather than paid. Do you really want a broker like that?

The owner is a real unethical guy.  He uses intimidation to get his way.  When I was hired, I wasn't allowed a copy of anything I signed.  I had to take my breaks and lunch by a schedule and I was written up for any little petitie thing.  The owner had me work extra hours that I was not paid, he had me not clock in for those.  The only reason I agreed is becasue he kept complaining like a little child about how I am making him lose money. He does not pay any benefits to employees and he purposely did all he could to get me to quit.  When I tried to collect unemplloyment, I was denied.  Michael is a really unethical guy and anyone who knows or has worked for him will tell you.   He charges broker fees when not allowed and charges fees for petite customer endorsements that are supposed to be free.  not a good agency to do business with or work for. I absolutely agree with the original post here.  I know also that the person who wrote the rebutalls left the agency and was treated just as bad as everyone.

I wandered into ripoff report while looking for some other way to report this company, and I have to say, the original statement is pretty spot on.  I worked there for a while, and the tactics Michael (the owner) expected employees to use were shady at best, and extremely illegal at worst. 

(Which is my reason for leaving the company- to stop being pressured into doing things that jeapordize my future as an insurance agent).

Save hundreds of dollars, and DON'T do business here.

I am also a former employee. I worked there for 1 year and had a great experience with Mr. Mukaled, he is a honest person, a great boss and all of those allegations are false. What happens with most of these peole are that are lazy and do not perform a good job. I support Mr Mukaled 100% and I never saw any wrong doing at the agency, on the contrary, everything was explained at the clients and I woul say that 99 % of his clients are satisfied with the service. I left because of personal reasons and had to moved ot of the state, otherwise I would still be working there, he also gave us the best training and the latest on insurance software.

In an effort to maintain our good reputation and find out who was behind this erroneous report filed against us, we hired a private investigator and an attorney; attached is the apology letter from the attorney representing the employer for the Author/s of this report.  Mrs. Carmen Ponce and Ms. Dahlia Cargay were reprimanded for placing the above report, apologized for doing so and admitted the false nature of the report, and have requested from Ripoff Report the removal of the report.

As stated in the previous post, I know nothing about the individual they are referring to.  Naturally, Michael Mukaled will defame the character of the author of this posting in an attempt to weaken the credibility of the post itself.   This weak minded name-calling, weather true or not is entirely irrelivant.

The point of this is to warn potential consumers, and I believe I have done so.  If you have read through this, you do not have to believe it, but you now know what to look out for. 

Timothy Mario Estrada, I find it very funny you are on here spreading rumors and still denying that it is you writing these posts, what are you hiding from? It seems you are dissatisfied with yourself more than anything and are therefore trying to make get our attention and make the lives of others difficult.  You want our attention, you've got it.  We have our attorney preparing a case against you, you can run but you cannot hide buddy. Your liability can be easily established for various torts and besides your evading your child support responsibilities, we are going to use the full extent of the law to have get justice from the financial damages you have/will cause due to your false allegations and personal injury; our attorney will garnish your wages if need be. Expect our attorney to contact you shortly.  Be a gentleman, move on and quit spreading rumors about a hard working, honest agency.  Get off the drugs and clean up your act.

In the time that I worked there, MANY employees came and went.  Most left because of their disgust for lack of moral charachter in the owner/office manager (Michael Mukaled).  many were fired because of their unwillingness to participate in the immoral practices of the company.  My point being that they have had so many disgusted x-employees, that there is no real way for them to know who is listing this post.

In the time that I worked there, I never met the person referred to in the paragraph above. 

I am familiar with their personal as well as commercial practices; commercial, slightly less.

I assure anyone reading this that I harbor no feelings of spite or otherwise towards this company.  I feel it is absolutely necessary to warn consumers so they know what to look for if purchasing insurance from this company.  I deeply regret having stood by and allowing this to happen while I was there, and am writing only with the hopes of clearing my conscience and helping who I can.

PLEASE NOTE: the individual who wrote the rebuttal above "Frank" is one of the commercial sales agents who I have known to practice the immoral tactics lised in the original alert.  I also stated earlier that these agents often change their names to hide their indiscressions.  Customers of Number 1 Insurance have gone to the Department of Insurance to complain, but the agents can never be tracked because the dept of insurance can't find a "Frank" on record as working there.  His real name is FIRAS DAKER (lic#: OE53557).  If you go to the department of insurance website, you can look up his license number and criminal history.  I urge you to do this for both himself and his brother (GHIATH DAKER lic#:OG44563 also known as "George" or "Ray" who works there in the personal lines).  Both may change their names after they read this post, so please be weary. 

All this individual's allegations are false and without any merit. This former employee worked for approximately 2 months at my agency, and was strictly in the commercial lines department therefore none of these tactics he is preaching about apply. His name is Timothy Mario Estrada, and later investigations we conducted confirmed that he has been cited and had many run ins with the law in the past.   All his allegations are completely false and as a matter of fact the tactics he is alleging we use are tactics that he must have used prior to his employment with my agency as he had worked for an independent insruance agent that specialized in personal auto insurance in the past. The reason he is going online and spreading false allegations about our agency is plain and simple, he does not want to work and he is extremely disgruntled that he could not collect unemployment after leaving my agency. To any consumer reading this, please rest assured we have conducted our own investigation on the allegations brought herein and have confirmed they are all false. The fact of the matter remains that this individual is falsely claiming to have worked for me for 3 years when he only worked for 2 months, and was strictly in the commercial lines department where none of the tactics he is referring to here even apply. He was not a good sales person, he missed many days claiming to be sick. Later we discovered he only came to work at our agency after having been fired from Right Insurance Marketing Services for having confrontations with other employees at that agency. Call Right Insurance for their side of the story, they will confirm my statement, 714-636-6491. Timothy Estrada was denied unemployment benefits after leaving my agency, and he filed for an appeal that he recently lost. This we understand has made him very upset as he does not want to work for an honest living like everyone else, he came to my agency with the goal of quitting and collecting unemployment, we have learned of this through someone close to him.  It is unfortunate that great websites like Ripoff Report allow people like Timothy Estrada to post their reviews without confirming the information they claim, but to anyone reading this please be advised Timothy is a slick liar, and a cyber criminal at best.  For any consumer that has any questions or concerns feel free to contact us.