Most of the consumers are not concern with insurance fraud. But actually, you should be because this is one of the reasons why you are paying more in your auto insurance policy. There is no denying that everybody wants to save money while taking advantage of their insurance policy.
Insurance companies today experience a serious problem concerning insurance fraud. The average cost of insurance fraud claims is up to $30 billion annually. You know that you can only file a claim when you are involved in an accident. Insurance companies base the insurance rates on the amount of money they spend in paying for the claims. Since claim is one of their major expenses, the tendency is to pass the burden on the consumers. This is the reason why you are paying a higher insurance premium on your Las Vegas auto insurance each year.
Insurance fraud is plan by some group of people wherein they create a situation which cause a serious injury to them. This way they can make large amount of money by filing a claim from your insurance company. Most of the insurance fraud happens in not so crowded places and the targets are those new and high risk drivers who have an expensive car insurance policy. You can notice insurance fraud because they will intentionally bump into your car to where you will be the one found guilty.
Everybody should be aware of insurance fraud since this will not only affect your Las Vegas auto insurance but also your safety while you are on the road. You have to be careful in becoming a victim of any insurance fraud which has only one goal and that is to make quick cash from your auto insurance. There are ways for you to protect yourself while you are on the road.
• You should learn how to drive your car defensively. Always remember that there are people who intentionally create an accident so as to get a claim for car repair and personal injury.
• If you find yourself in the middle of an accident, always make sure that you have the name of the other driver as well as the details of the accident. You should also know the name of the witnesses in the said accident.
• After the incident, take the responsibility to report it to the police as well as to your insurance company so that they can investigate at once. This can prevent any insurance fraud since they will be afraid to face the authority.
• If you notice that something is wrong with the accident where you are involved, you should report it to your insurance company so that they can take action immediately.
• You should educate yourself about insurance fraud so that you can avoid it from happening. You can gather information from insurance blogs and insurance magazines.
Information about insurance fraud is now being taught to insurance professionals to stop this unwanted crime. You should not let other people to become benefited at your expense. You should start to prevent insurance fraud and take advantage of paying less expensive Las Vegas auto insurance.
Sunday, July 18, 2010
Online Insurance Continuing Education For Insurance Agents
Insurance continuing education is a customary insurance training course which helps insurance brokers, agents, underwriters and sales force to upgrade their knowledge base about different insurance products and enhance their sales pitch to generate more sales. It is a formal training as well as certificate course which you can subscribe for online. There is no nationwide accreditation given to insurance agents as the laws and rules governing insurance policies vary from state to state for the entire gamut of insurance products. Insurance continuing education usually establish credit review requirements for a period of time usually after two or three years after which insurance professionals need to undergo a training course to polish their skills as well as learn about the latest regulations and policies governing insurance sector. This course can be done online as there are many companies and third party organizations that provide online insurance continuing education along with certification at cost effective prices. This proves very advantageous to insurance professionals who work full time as this would help save their valuable time and money which they can invest on meeting new clients and generating more sales. Alternatively insurance professionals may have to go to regular insurance training schools and spend good number of hours in learning concepts sacrificing their work time. The online insurance continuing program provides courses on all kinds of insurance policies namely, health , property, casualty, ethics, long term care as well as several other insurance products. All online insurance CE courses are devised on the basis of credit hours required as per the State's Department of Insurance.
The online insurance CE courses offered today are transparent in the fee structures and course materials offered and there are absolutely no hidden surcharges involved. You pay only the quoted price and also get your online certification based on the online test that you write. Many insurance companies, brokerage houses, multinational companies, insurance agencies as well as individual insurance agents undergo insurance CE services to ensure better quality of sales through effective sales pitch training and knowledge enhancement. Life Insurance is a delicate subject to deal with and has many policies, terms and conditions regulating it with laws that are volatile and subject to change from state to state and time to time. Hence, selling this insurance product requires able and skilled professionals who can do justice to this product and drive sales effectively employing good sales and marketing techniques. The insurance staff should also be in a position to answer any questions related to life insurance, health, commodities, property and almost anything with utmost confidence and clarity to close a sale. Moreover even if you are a part time insurance agent or underwriter, you can grab some exciting career opportunities with this education program. Therefore it is of paramount importance for insurance professionals to undergo insurance continuing education online to equip themselves with the latest skills and thereby boost insurance sales in their sales which would eventually yield more revenue or commissions for them.
The online insurance CE courses offered today are transparent in the fee structures and course materials offered and there are absolutely no hidden surcharges involved. You pay only the quoted price and also get your online certification based on the online test that you write. Many insurance companies, brokerage houses, multinational companies, insurance agencies as well as individual insurance agents undergo insurance CE services to ensure better quality of sales through effective sales pitch training and knowledge enhancement. Life Insurance is a delicate subject to deal with and has many policies, terms and conditions regulating it with laws that are volatile and subject to change from state to state and time to time. Hence, selling this insurance product requires able and skilled professionals who can do justice to this product and drive sales effectively employing good sales and marketing techniques. The insurance staff should also be in a position to answer any questions related to life insurance, health, commodities, property and almost anything with utmost confidence and clarity to close a sale. Moreover even if you are a part time insurance agent or underwriter, you can grab some exciting career opportunities with this education program. Therefore it is of paramount importance for insurance professionals to undergo insurance continuing education online to equip themselves with the latest skills and thereby boost insurance sales in their sales which would eventually yield more revenue or commissions for them.
Just Reading Your Insurance Policy is One of the Best Things You Can Do For Your Car Insurance Rates
Do you remember when you were in college and your entire life revolved around the next chapter in the textbook you had to read? Did anyone REALLY enjoy spending days slumped over a book, trying to decipher information that really wasn't going to make any sense until you got to class and heard the professor explain it anyway? No, probably not. Chances are, you rejoiced when you got to kiss those days goodbye after graduation-only to discover that you were going to feel the exact same way every time you picked up your car insurance policy!
Let's face it, your car insurance policy isn't exactly a light evening read. In fact, if yours looks anything like mine it's not a light anything! And once you can work up the willpower to pick it up it's almost impossible to decipher all the insurance-ese and legal-ese that seems to take over every other sentence without a dictionary in one hand and a trio of car insurance agents in the other! You can admit it-you usually just get the highlights from your agent and run with that, don't you? That's what most of us do!
Unfortunately, knowing what's going on with our car insurance is actually pretty darn important. Why? Because this isn't something that's just going to sit around on a shelf and look pretty. Imagine getting into an accident and not knowing what your insurance would cover. You're going to find yourself either filing a car insurance claim only to discover that your insurance company isn't going to cover it or spending plenty of nights lying awake counting the pennies in your savings account until you find out one way or the other.
Either way, it's not cool.
Along with knowing what your insurance policy will cover, reading the packet from cover to cover can also give you the inside track on how to find ways to cut your rates dramatically. For example, most policies list out the discounts you qualified for. Are they all there? Or are you missing a few? Common car insurance discounts include (but aren't limited to):
a) Low mileage
b) Low risk cars (check with the National Highway Loss Data Institute to see where your car falls)
c) Good driving history
d) Age
e) Job
f) Location
That's just scratching the surface! Does your car have anti-lock brakes? How about a car alarm? All of these things can help you save big on your car insurance rates, but if you don't know you're not getting them how can you possibly know if you're paying too much? And the only way to figure that out is to read through your car insurance policy.
So take a deep breath, grab your car insurance policy and dig in. You might be surprised at what you're going to learn-and your bank account will thank you.
Let's face it, your car insurance policy isn't exactly a light evening read. In fact, if yours looks anything like mine it's not a light anything! And once you can work up the willpower to pick it up it's almost impossible to decipher all the insurance-ese and legal-ese that seems to take over every other sentence without a dictionary in one hand and a trio of car insurance agents in the other! You can admit it-you usually just get the highlights from your agent and run with that, don't you? That's what most of us do!
Unfortunately, knowing what's going on with our car insurance is actually pretty darn important. Why? Because this isn't something that's just going to sit around on a shelf and look pretty. Imagine getting into an accident and not knowing what your insurance would cover. You're going to find yourself either filing a car insurance claim only to discover that your insurance company isn't going to cover it or spending plenty of nights lying awake counting the pennies in your savings account until you find out one way or the other.
Either way, it's not cool.
Along with knowing what your insurance policy will cover, reading the packet from cover to cover can also give you the inside track on how to find ways to cut your rates dramatically. For example, most policies list out the discounts you qualified for. Are they all there? Or are you missing a few? Common car insurance discounts include (but aren't limited to):
a) Low mileage
b) Low risk cars (check with the National Highway Loss Data Institute to see where your car falls)
c) Good driving history
d) Age
e) Job
f) Location
That's just scratching the surface! Does your car have anti-lock brakes? How about a car alarm? All of these things can help you save big on your car insurance rates, but if you don't know you're not getting them how can you possibly know if you're paying too much? And the only way to figure that out is to read through your car insurance policy.
So take a deep breath, grab your car insurance policy and dig in. You might be surprised at what you're going to learn-and your bank account will thank you.
Best Car Insurance Quotes - Online Auto Insurance Comparisons
Almost all drivers in the US have to buy an auto insurance policy. All 50 states have a law that requires each driver to have proof of financial responsibility in order to drive.
For most of us that means we need to have the minimum required liability insurance. This will insure that we are covered for most accidents, and also, that we have an insurer on our side if we need to explain our actions in court.
But if we have financed our car, and still have a balance on that loan, we probably need more than just liability insurance. In fact, your lender may require you to carry comprehensive insrance on your car, and even an additional gap policy. A gap policy covers the difference between the loan on your car, and what it might actually be worth according to a book value. It is sad, but true, that the minute we drive our shiny new (or used) car off of a lot, it is worth a lot less than what we paid for it.
Be that as it may, autos are worth what they are worth to you! For you, your car is transportation for yourself, and possibly for your family. It can also be a pleasure that you are proud of. In order to keep it that way, it is important to find good coverage.
But as important as a good policy is, nobody wants ot pay more than they have to pay! So how can you make sure you find a top insurer at the most affordable price?
We have had great luck comparing premiums and policies online. Online car insurance quotes allow you to enter your basic inforation one time, and you can even use them to get a quote for your whole family.
Some basic information that insurers use to set their premium rates are the driver's age, driving record, and zip code. Beyond that, other things matter too. The type of car is very important. Some cars are just associated with higher accident or theft claims than others. Any car may benefit from anti-theft and auto safety devices too.
And drivers matter. Many insurers offer substantial discounts for driver's safety courses. Young or student drivers can benefit from taking an approved driver's education course in a variety of ways. Since these classes have been demonstrated to reduce teen accidents, they may make your son or daughter a better driver. Insurers like them too, and many offer a discount for completion.
But with all of these details, it will be very time consuming to call around and find the best rates for the policies your family needs. That's why an online form, which allows you to enter your basic inforation one time, can save you time and money. It usually only takes about 5 minutes to complete the form, and then you can relax. The top insurers in your local area will be eager to compete for your business!
For most of us that means we need to have the minimum required liability insurance. This will insure that we are covered for most accidents, and also, that we have an insurer on our side if we need to explain our actions in court.
But if we have financed our car, and still have a balance on that loan, we probably need more than just liability insurance. In fact, your lender may require you to carry comprehensive insrance on your car, and even an additional gap policy. A gap policy covers the difference between the loan on your car, and what it might actually be worth according to a book value. It is sad, but true, that the minute we drive our shiny new (or used) car off of a lot, it is worth a lot less than what we paid for it.
Be that as it may, autos are worth what they are worth to you! For you, your car is transportation for yourself, and possibly for your family. It can also be a pleasure that you are proud of. In order to keep it that way, it is important to find good coverage.
But as important as a good policy is, nobody wants ot pay more than they have to pay! So how can you make sure you find a top insurer at the most affordable price?
We have had great luck comparing premiums and policies online. Online car insurance quotes allow you to enter your basic inforation one time, and you can even use them to get a quote for your whole family.
Some basic information that insurers use to set their premium rates are the driver's age, driving record, and zip code. Beyond that, other things matter too. The type of car is very important. Some cars are just associated with higher accident or theft claims than others. Any car may benefit from anti-theft and auto safety devices too.
And drivers matter. Many insurers offer substantial discounts for driver's safety courses. Young or student drivers can benefit from taking an approved driver's education course in a variety of ways. Since these classes have been demonstrated to reduce teen accidents, they may make your son or daughter a better driver. Insurers like them too, and many offer a discount for completion.
But with all of these details, it will be very time consuming to call around and find the best rates for the policies your family needs. That's why an online form, which allows you to enter your basic inforation one time, can save you time and money. It usually only takes about 5 minutes to complete the form, and then you can relax. The top insurers in your local area will be eager to compete for your business!
Why Would I Need a Long Term Care Insurance When I Have My Disability Insurance?
Quite often, people have a tendency to get confused about this subject. When people are asked how they plan to protect their assets and income in case of a long term care situation, almost every time answer is the same; “Well I have a disability insurance…”
Confusion starts with the definition of Disability Insurance where people get Short Term Disability and Long Term Disability confused with Long Term Care. There is a distinct difference between the two insurance plans and in order to have a better understanding of the difference, we need to know what each insurance vehicle offers as protection.
We’ll start explaining what Disability Insurance offers without going into too much detail as in Long Term or Short Term Disability: In a nut shell, Disability insurance provides a portion of your income for a certain period of time when you are disabled while you are employed. What this means is when you get disabled, you may receive up to 40, 60 or maybe 80 percent of your total income for a specific period of time. Further more, this also means two things:
(1) You are not going to receive any supplemental income for the cost of your care through your disability insurance; all you are going to receive is the portion of your income.
(2) You will receive a portion of your income for a specific period of time. When this period is over, your income from your disability insurance will seize.
So you can actually see that the benefits of Disability Insurance are very specific and limited. Nevertheless this simply doesn’t mean that Disability Insurance is not a valuable protection plan. When you learn the benefits of Long Term Care Insurance, you should be able to understand that the two protection plans take separate and important precedence in our lives.
Before we get into the benefits of Long Term Care Insurance, we need to clear out one misconception about this insurance plan; Long Term Care Insurance is not necessarily some insurance plan that you purchase to get care when you are older, and it is not particularly a nursing home care either. People get into Long Term Care situation in younger ages too and Long Term Care Insurance is a great protection plan that provides many valuable benefits.
Among many of these benefits, of course the most important one is to provide funds for your care when you are unable to do some of your daily activities. This is actually the main difference between this plan and the Disability Insurance; Long Term Care Insurance does not provide income or any portion of your income, it actually pays for the cost of your care up to certain amount which is determined within your policy. In other words, Disability Insurance provides you a portion of your income where Long Term Care Insurance actually pays for the cost of your care. Now you can see the importance and the complimentary nature of the two insurance plans; while you are receiving a portion of your income through your Disability Insurance - which is always less than your regular income, you will also have your Long Term Care Insurance paying for the cost of the care that you are receiving.
Considering the present high cost of care, and having to pay for it with a limited income may become an enormous financial burden. This is one of the most important reasons why these two insurance plans exist. It is also as important and highly recommended that you should consult an insurance professional who can coordinate and design these policies according to your specific personal needs for your full protection.
Remember, you must protect the most important asset in your life: Your Earning Power!
Confusion starts with the definition of Disability Insurance where people get Short Term Disability and Long Term Disability confused with Long Term Care. There is a distinct difference between the two insurance plans and in order to have a better understanding of the difference, we need to know what each insurance vehicle offers as protection.
We’ll start explaining what Disability Insurance offers without going into too much detail as in Long Term or Short Term Disability: In a nut shell, Disability insurance provides a portion of your income for a certain period of time when you are disabled while you are employed. What this means is when you get disabled, you may receive up to 40, 60 or maybe 80 percent of your total income for a specific period of time. Further more, this also means two things:
(1) You are not going to receive any supplemental income for the cost of your care through your disability insurance; all you are going to receive is the portion of your income.
(2) You will receive a portion of your income for a specific period of time. When this period is over, your income from your disability insurance will seize.
So you can actually see that the benefits of Disability Insurance are very specific and limited. Nevertheless this simply doesn’t mean that Disability Insurance is not a valuable protection plan. When you learn the benefits of Long Term Care Insurance, you should be able to understand that the two protection plans take separate and important precedence in our lives.
Before we get into the benefits of Long Term Care Insurance, we need to clear out one misconception about this insurance plan; Long Term Care Insurance is not necessarily some insurance plan that you purchase to get care when you are older, and it is not particularly a nursing home care either. People get into Long Term Care situation in younger ages too and Long Term Care Insurance is a great protection plan that provides many valuable benefits.
Among many of these benefits, of course the most important one is to provide funds for your care when you are unable to do some of your daily activities. This is actually the main difference between this plan and the Disability Insurance; Long Term Care Insurance does not provide income or any portion of your income, it actually pays for the cost of your care up to certain amount which is determined within your policy. In other words, Disability Insurance provides you a portion of your income where Long Term Care Insurance actually pays for the cost of your care. Now you can see the importance and the complimentary nature of the two insurance plans; while you are receiving a portion of your income through your Disability Insurance - which is always less than your regular income, you will also have your Long Term Care Insurance paying for the cost of the care that you are receiving.
Considering the present high cost of care, and having to pay for it with a limited income may become an enormous financial burden. This is one of the most important reasons why these two insurance plans exist. It is also as important and highly recommended that you should consult an insurance professional who can coordinate and design these policies according to your specific personal needs for your full protection.
Remember, you must protect the most important asset in your life: Your Earning Power!
SR22 Auto Insurance-Bad Driving and the Cost of Car Insurance
Getting an auto insurance coverage is necessary even when you have a bad driving record. Sadly so, your chances of getting low premiums on your auto insurance coverages are pretty slim when you have a tainted driving record. Traffic violation tickets and DUI convictions do you no good at all. The best way to get lower premiums on your auto insurance is to stay clean. Keep your driving record in great shape and you are likely to be eligible for discounts on auto insurance premiums. If you are one of the unfortunate ones with impaired driving records, you have no other choice but to simply try and find the best deal you could in auto insurance coverages for bad drivers.
You still can avail of an auto insurance coverage even with a bad driving record. A DUI or a DWI will likely revoke your driving privileges for a period, usually one year, after which you could resume driving. You can get a vehicle liability coverage the same way a regular motorist gets his coverage. The state department of motor vehicles (DMV) requires you to fill out the SR22 auto insurance document and have your insurer forward the document to the department. The SR22 auto insurance document provides information as to the amount of liability insurance you are covered with. This serves as proof that you have at least put in the minimum required amount in your liability coverage.
Filing your SR22 auto insurance document with your insurer is a DMV requirement for the reinstatement of driving privileges for those with traffic violation, an uninsured car accident record, or a conviction for a traffic-related offense. Your insurance agent will be able to help you with this and other documentation for your auto insurance coverage. There are a lot of insurers out there that will be willing to issue you an auto insurance policy. Find out from various websites in the internet which ones will be able to give you the best deal. Having had one too many tickets or a DUI conviction does not mean you have to take the most expensive auto insurance coverage around. While you cannot get the lowest premium, you can certainly manage to find the lowest premium among those auto insurance quotes from various car insurance companies.
Getting another chance to prove your roadworthiness as a driver with your reinstated driving privileges is something that you should not take for granted. You have to take steps in order to keep your driver’s license for good. Make sure that you follow the rules of the road to the letter. Take extra steps to make you a safer driver. Starting with choosing a safe car to drive and insure would be a good idea. Small and compact cars are considered to be safer than sleek and shiny sprots cars. Choose those with safety and security devices in order to keep your premiums down. And lastly, always remember that drinking and driving definitely do not go together. Staying sober at least when you are driving will definitely keep you from getting into any accidents and from suffering all the dire consequences that ensues from such irresponsible behavior.
You still can avail of an auto insurance coverage even with a bad driving record. A DUI or a DWI will likely revoke your driving privileges for a period, usually one year, after which you could resume driving. You can get a vehicle liability coverage the same way a regular motorist gets his coverage. The state department of motor vehicles (DMV) requires you to fill out the SR22 auto insurance document and have your insurer forward the document to the department. The SR22 auto insurance document provides information as to the amount of liability insurance you are covered with. This serves as proof that you have at least put in the minimum required amount in your liability coverage.
Filing your SR22 auto insurance document with your insurer is a DMV requirement for the reinstatement of driving privileges for those with traffic violation, an uninsured car accident record, or a conviction for a traffic-related offense. Your insurance agent will be able to help you with this and other documentation for your auto insurance coverage. There are a lot of insurers out there that will be willing to issue you an auto insurance policy. Find out from various websites in the internet which ones will be able to give you the best deal. Having had one too many tickets or a DUI conviction does not mean you have to take the most expensive auto insurance coverage around. While you cannot get the lowest premium, you can certainly manage to find the lowest premium among those auto insurance quotes from various car insurance companies.
Getting another chance to prove your roadworthiness as a driver with your reinstated driving privileges is something that you should not take for granted. You have to take steps in order to keep your driver’s license for good. Make sure that you follow the rules of the road to the letter. Take extra steps to make you a safer driver. Starting with choosing a safe car to drive and insure would be a good idea. Small and compact cars are considered to be safer than sleek and shiny sprots cars. Choose those with safety and security devices in order to keep your premiums down. And lastly, always remember that drinking and driving definitely do not go together. Staying sober at least when you are driving will definitely keep you from getting into any accidents and from suffering all the dire consequences that ensues from such irresponsible behavior.
Watch Out For Insurance Scams When You're Shopping For Homeowners Insurance
It's the oldest trick in the book-and if it's not it's definitely on the top ten! You find some poor, unsuspecting sap, convince them that you've got a great homeowners insurance policy to sell them, hammer out your own contract (complete with the fine print), get the homeowner to sign and hand over a check for their first year of coverage and disappear into the night without a trace. This type of insurance scam has been around in one form or another for years. Why? Because it works!
The moral of this story? Watch out for insurance scams when you're buying your homeowners insurance.
What You Need to Watch Out For
How do you know whether the "independent agent" you're talking to about buying a homeowners insurance policy is on the level or taking you for a ride? When it gets right down to it, you can't guarantee that you'll be able to spot a scammer 100% of the time. Today's high tech criminals are so slick some of them could sell insurance to the government and get away with it, so if you've been taken for a ride in the past don't feel bad. You're in good company, and you've been taken by some of the smartest and most well equipped con-artists in the world!
There are a few things you need to watch out for when buying homeowners insurance to minimize the chances of falling into the clutches of a con artist. First and foremost, before getting deeply involved with any insurance agent make sure you take the time to check out their credentials. Every state has a licensing procedure that all insurance sellers have to go through to be certified to work within state borders. Guess what? They also keep a database of the insurance sellers that pass muster!
Major national sellers, like AllState or State Farm, are pretty easy to spot-and even easier to trust. When you're working with a private agent (or a small, little known company), however, it pays to be careful. Contact your state's Department of Insurance and check out their licensing credentials. If they aren't licensed to be wheeling and dealing in homeowners insurance it doesn't matter what kind of spiel they try to tell you about recently relocating, or waiting for their paperwork to process, or any other line they can come up with. This is a deal you just have to resist.
If their licensing issues didn't immediately raise any red flags go ahead and move forward with the deal. There are, after all, plenty of respectable and trustworthy insurance dealers out there! Just keep a wary eye. Any insurance agent that can't explain your homeowners insurance policy in clear, simple terms that someone without a degree in insurance law can understand, changes the policy halfway through the process, is consistently difficult to contact or tries to convince you that there's a reason their rates are considerably higher than their competitor's for the same coverage should be handled with care.
If you're afraid that you're being scammed, walk away. There are no limits to the number of possibilities when it comes to purchasing homeowners insurance, so there's no reason to stay in a position where you're afraid you're being scammed. Simply bid the fishy agent a fond farewell and move on to the next good offer. You'll be glad that you did when you're covered by the trustworthy homeowners insurance coverage you deserve.
The moral of this story? Watch out for insurance scams when you're buying your homeowners insurance.
What You Need to Watch Out For
How do you know whether the "independent agent" you're talking to about buying a homeowners insurance policy is on the level or taking you for a ride? When it gets right down to it, you can't guarantee that you'll be able to spot a scammer 100% of the time. Today's high tech criminals are so slick some of them could sell insurance to the government and get away with it, so if you've been taken for a ride in the past don't feel bad. You're in good company, and you've been taken by some of the smartest and most well equipped con-artists in the world!
There are a few things you need to watch out for when buying homeowners insurance to minimize the chances of falling into the clutches of a con artist. First and foremost, before getting deeply involved with any insurance agent make sure you take the time to check out their credentials. Every state has a licensing procedure that all insurance sellers have to go through to be certified to work within state borders. Guess what? They also keep a database of the insurance sellers that pass muster!
Major national sellers, like AllState or State Farm, are pretty easy to spot-and even easier to trust. When you're working with a private agent (or a small, little known company), however, it pays to be careful. Contact your state's Department of Insurance and check out their licensing credentials. If they aren't licensed to be wheeling and dealing in homeowners insurance it doesn't matter what kind of spiel they try to tell you about recently relocating, or waiting for their paperwork to process, or any other line they can come up with. This is a deal you just have to resist.
If their licensing issues didn't immediately raise any red flags go ahead and move forward with the deal. There are, after all, plenty of respectable and trustworthy insurance dealers out there! Just keep a wary eye. Any insurance agent that can't explain your homeowners insurance policy in clear, simple terms that someone without a degree in insurance law can understand, changes the policy halfway through the process, is consistently difficult to contact or tries to convince you that there's a reason their rates are considerably higher than their competitor's for the same coverage should be handled with care.
If you're afraid that you're being scammed, walk away. There are no limits to the number of possibilities when it comes to purchasing homeowners insurance, so there's no reason to stay in a position where you're afraid you're being scammed. Simply bid the fishy agent a fond farewell and move on to the next good offer. You'll be glad that you did when you're covered by the trustworthy homeowners insurance coverage you deserve.
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