SOGNIER, Judge.
Appellant Frank Howard, Jr. sought automobile insurance through Claire Meyers, an agent and officer of H-M Insurance Agency, Inc. (H-M Agency). The H-M Agency is an independent insurance agency with authority to solicit applications for various insurance companies, including appellee, the Moore Group, Inc. On August 24, 1981, Meyers took an application from Howard and received $180 from him, leaving a balance of $27 due on the premium. Meyers held...
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