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Originally Posted by retiredguy123
When I tried to do that, I found that most of the so called "agents" I asked either did not know the answer, or worse, they pretended they did and they got it totally wrong. You really need to do your own research online. Insurance agents are just salespeople. They do not represent the insurance company and they will not put anything in writing.
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Agree - I’m a retired insurance claims manager. Many insurance sales agents have little or no knowledge of all the terms/conditions/definitions/exclusions in the policy they are selling. Your sales agent is not a claims adjuster.
It was always heart breaking when I had to deny a claim because there was no coverage for a particular peril or there was a policy exclusion that the policy holder was unaware of, and it was never properly disclosed or discussed by the sales agent at the time the policy was purchased.
People, you have to research this stuff yourself, and read your insurance policies in detail - especially the declarations page and the applicable exclusions. Do not depend solely on the verbal explanation by your sales agent.
If your claim is ever denied because of a policy exclusion, and your rebuttal is “My Sales Agent told me otherwise”, that defense will not fly.