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Did my Car Insurance Agent Scam Me?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 07/31/2018

Q: It feels like my car insurance agent sold me a bunch of coverage I don’t need for my car, how do I check this?

A: Fantastic question and I tip my hat to you for questioning your coverage and not just blindly accepting it.

First, you need to educate yourself about insurance. Pull out your car insurance policy declarations page and take a look at the coverages you are paying for. Next, visit our definitions page and look at the definitions of each of those coverages. You can also click on the different coverages on the definition page and it will take you to a new page to give you a better explanation of that coverage.

Second, get a second opinion. Heck, get a third opinion if you really want to be sure. Look up local car insurance agents online and select the top two with the best customer reviews. Contact these agents and explain that you think you have too much coverage on your policy and would like to get a quote for car insurance coverage that is a better fit for you.

A good agent will go over your current policy with you and also the assets you want to protect. Also, now that you know what each of the coverages does, you will be able to ask questions and be able to better determine if you actually need a coverage or not.

For example, if you have multiple cars you will probably not need to purchase loss of use coverage to pay for a rental car if you were in an accident.

Always educate yourself, it is good to use a car insurance agent as an advisor for what coverages will best protect you, but never just blindly purchase anything.

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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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