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Questions to ask to get the most out of your insurance

The NCAA tournament has not disappointed when it comes to upset-minded Cinderella teams, last second shots and fantastic individual performances. The tournament has also been great in terms of commercials. Arguably the most popular advertisements have to do with insurance. Between State Farm’s assist theme, Allstate’s mayhem theme and Progressive’s time travel spots, it is a wonder that more people aren’t changing their insurance coverage more often.

So beyond the themes and catchphrases, consumers may be wasting their money on policies they may not need, or may not be getting their money’s worth on the coverage they have. To get the most out of your policy, it is best to ask questions

What is the best payment method? – Depending on how often you make payments (i.e. monthly, quarterly or bi-yearly) you may be paying more than what you should for the “convenience” of making payments.

How are losses calculated? – It is also good to ask how the insurer will calculate the value of your totaled vehicle in the event it is declared a complete loss. Also, you should know whether you have the ability to challenge the insurer’s valuation so that you can possibly get more.

Ask an attorney – Asking an experienced personal injury attorney about how your choices affect your legal rights is also prudent. A lawyer can counsel you on how your insurance will work and what your legal options are in the event of an accident or a dispute with your insurer.

The preceding is not legal advice. 

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Fitzpatrick, Skemp & Associates, LLC
123 7th St S
La Crosse, WI 54601

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