Insurance companies pay millions each year in claims from policyholders.
Those claims result from losses suffered during fires, windstorms,
robberies, auto accidents, dog bites, falls and a host of other traumatic
Instead of waiting until an accident strikes you or your family, save
time, money, and anxiety by doing three important things now:
- Look through your policies to see what is - and isn't - covered. The
coverages and exclusions in your insurance policies can differ significantly
from those of your friends. The best advice is to understand your policies
before you have a claim.
- Ask your insurance agent or company representative to explain anything
that you don't understand.
- If you have an accident, be sure to talk to your insurance company
before you call a lawyer. The vast majority of claims are settled without
a lawyer. If you decide you need a lawyer, be sure you establish what
his or her fee arrangement is in advance. Remember that when you hire
a lawyer, you lose your ability to represent yourself with the insurance