At some point, we all have to call our insurance agent, whether it's because we had a car accident, something was stolen or our house was damaged.
But before you do, you should know about some words to never say to your insurance company.
Does your house have water damage? Did you hit someone else's car?
A new report by Insure.com includes six terms you should never use when making an insurance report.
Car Accident No-Nos
- "I'm sorry" It implies something was your fault, and could cause insurance to deny your claim.
- "Intentional" Insurance typically won't cover damage caused by a domestic fight, for instance. Remember Carrie Underwood singing how she "stuck her key into the side of his pretty little souped up 4-wheel drive?" Uh-huh. Not covered.
- "I'm fine" Saying this after someone rear ends your car can make it tough to win a court case if it turns out you were hurt. People often find out they were hurt the day after the crash, not two minutes after it happens. Don't say this to the police officer, either.
- "Breakdown" Insurance won't cover car breakdowns.
Home Claim No-Nos
And from the doesn't that stink file, two words not to use when filing a claim about damage to your home.
- "Mold" Insurance typically will deny a claim if you have mold in your home. You'll have to foot the bill, and will say "doesn't that stink?"
- "Termites" Another word that can lead to your claim being denied.
So take a minute to collect your thoughts, and think carefully before you talk to an insurance adjustor.
That way you don't waste your money.
Follow John on Twitter (@JohnMatarese)
Sign up for the free DWYM Newsletter delivered twice-weekly to your inbox
Hack-proof your credit cards and bank account
Target, Home Depot, Michaels Stores, Chase Bank. Every week, it seems, another well known retailer or bank is hit by a hacker attack.
QUIZ: Are you cut out to work from home?
It may sound perfect: Earning money from the comfort of your own abode. Before you quit your job, take our quiz to find out if you can hack…
Black Friday ads already beginning to roll out
With about a month until the Black Friday shopping sales, sale information is starting to appear online.
Winterizing: Don't get ripped off at repair shop
Winter weather will soon set in across much of the country, meaning now is the time to check your vehicle and prepare it for the cold. But…
Are you living in a a former meth lab?
Do you know the history of your new home and whether or not it used to be a meth lab?
Facebook's quarter marred by spending plans
Facebook beat the Street and grew its ad revenue and userbase, but investors aren't that happy with its plans to ramp up spending in 2015.