[SharonW]

Everyone is talking about premium increases if you have a claim. You can purchase accident forgiveness which is additional premium but if you file a claim, you have guarantee that your premiums will not be increased due to claim. Some companies give unlimited accident forgiveness. Some offer one claim forgiveness every -3- years. Normal premium increases will still apply each year which are based on overall claims expense the companies have paid out but no surcharge for turning in a claim if you purchase endorsement.

Bottle line find an agent who explains everything and offers a quote based on your need. Asset exposure, etc. if an agent just quotes you apples for apples are they really being an agent or an order taker. Ask yourself why you buy insurance!