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
Carpet stains: Do home remedies really work?
Home remedies vs. calling a pro to help with carpet stains.
5 signs your kid isn't ready to move out
Whether your child is just entering college or the workforce, consider the below signs that they are not ready to move out on their own.
Raising the minimum wage also creates problems
As workers across the U.S. fight for higher wages, Seattle has experienced a few drawbacks after upping workers' paychecks.
9 back-to-school items not to buy yet
Back to school season is now underway, and parents are rushing to the store to by notebooks, pencils, tablets, and dorm gear.
Times for an adjustable rate mortgage
Here are five scenarios where you might consider an ARM so you can accomplish other life or financial goals.
The catch with Zero Percent financing ads
John Matarese has a caution for shoppers