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Can I Review the Fine Print Before Purchasing a Car Insurance Policy?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/30/2012

The “fine print” of each insurance policy is very similar to the next, but you have a right to ask for them.

Yes, you have every right to ask for the fine print that goes along with an insurance policy. Because you are purchasing the fine print (the big packet of what is actual covered and not covered under an insurance policy) just like you are purchasing the coverages on the declarations page.

The difficulty that you may find is that insurance agents do not normally keep this part of the insurance policy in their office. You will most likely have to contact the insurance company directly to get this part of the policy. They may be able to send you a copy in the mail or they may have to get it from the legal department.

I know that this seems like a lot of work for something that should be readily available. However, not a lot of people ask for this part of the insurance policy and there is a reason for that. The legal part of an insurance policy is generally the same from one company to another.

You may also want to contact the Insurance Commissioner or Department of Insurance in your state, to find out any specific state laws related to this type of insurance policy request.

 

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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