Originally Posted by TexanBob
Experience has taught me two things about insurance.
1) If your car or home loan is less than halfway paid off and a disaster hits (flood, tornado, hurricane, etc.), notify your lienholder and let *them* fight with the insurance company. After all, it's *their* investment too and they have lawyers to fight for you. The insurance company figures it's all in their favor when it is just you vs. them. You need somebody else to make it a fair fight - somebody who can hurt them if they don't play fair. Knowing the name of your state insurance commissioner is also a nice asset.
2) If your auto is damaged by a tornado or a hurricane, but not enough for a total, go out there with a baseball bat or a sledgehammer and finish the job before you call in your claim. Don't leave it up to them to decide if the car is a total or not. You'll be glad you did.
Alright...I am one of the worthless, scum, insurance agents that you speak of. FIrst off, don't do what Bob says in #2. The adjusters are smarter than that and at the first hint that you have "helped" the process along, you won't get anything.
Your agent is the one at fault if you are not covered properly. It is thier job to go over the coverages, explain them, and help you make the best decision for yourself and your family.
I work for Liberty Mutual in OKC. ALthough I may not know the state specific for other states, if you have a question feel free to shoot me a PM and I'll be glad to help you out.