Archive for the ‘Automobile’ Category

Do you read your insurance policy?

Do you read your insurance policy? While we suggest to our customers that they read their policy, fact is most people don’t. When competing for a prospective new customer we answer questions and compare and contrast different policies, however it’s nearly impossible to address every detail of the policy within the short window of opportunity we have with our prospect. An insurance policy is about as entertaining a read as the back of a shampoo bottle, so it’s not surprising that very few people read them. If you’re dead set against reading the policy, we suggest that you at least review the exclusions. Eliminated surprises. It’s far better to have exclusion related questions addressed now than at the time of a loss.

One state has gone so far as to legislate law requiring that an insured is charged with the knowledge of the terms of the policy upon which he/she relies on for protection. – See Atlas Roofing Mfg. Co. vs. Robinson & Julienne, Inc. (Miss. 1973) – Under Mississippi Law, the “knowledge of an insurance policy is imputed to an insured regardless of whether they read the policy” Oaks vs. Sellers (Miss 2007).

Interested in On-Line Insurance Quotes? Be carefull!

The Internet is loaded with various web sites where you can request free insurance quotes. Almost any time you use a search engine to look for anything you’re likely to see an advertisement or a sponsored link from a company offering the lowest rate for car insurance, life insurance, home insurance, etc. Unfortunately filling out one of these on-line quote forms may result in nothing more than a big headache for you.

Before you start inputting all of your personal information into some website claiming to find you the lowest priced auto insurance, do some homework on the site itself. Find out what they do with your information. Who do they sell it to and what lists will you be added to.

These quote sites aren’t the only sites out there gathering information to sell to others. The last time you made an on-line purchase were you prompted to complete a survey to save an additional 10%? On-line surveys are another popular means of collecting private data to be sold to solicitors or other businesses trying to sell you. On-line surveys also require careful decision making before you proceed. Once again, try to find out what is done with your information. If you don’t you can expect your phone to start ringing and your inbox to fill up with spam.

If you’re genuinely interested in an insurance quote request it from an independent insurance agent like Fitts Insurance. Most agencies now have on-line quote request forms. When you submit your request through our website you can rest assured that your information won’t be sold to someone else and you can expect to get a competitive quote for your insurance as well.

Looking for insurance quotes? Give us a try!

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