Auto Insurance Claims Expert Witnesses Part 2

Auto insurance claims expert witnesses may opine on policies, auto repairs, and injury claims. In How to Read an Auto Policy, Auto Insurance Claim Advice asks: Do you know where your auto insurance policy is?

Okay, even if you know where your auto policy is located, do you have time to read it thoroughly? Probably not.

I know this because before I was “into” insurance, my policy and all other junk mail from my insurance company went into one drawer labeled “auto insurance stuff.”

This was not the best way to organize my paperwork. It was not until I started to deal with auto claims that I realized the real importance of these documents.

This is why it might seem strange for you at first to see a full section entirely about “how to read your auto policy”.

I am not assuming (or even implying) that you cannot read your policy or that you need a manual on how to do this.

I simply believe this section is important as it helps you:

* Understand why your policy should be readily available;
* Read through it so you know what the insurance adjuster is quoting for you;
* Understand what is covered and what is excluded;
* Understand the promise of coverage (the insurance agreement) the insurance company is bound by.

Reading a policy takes time since it does not read like a normal book (i.e. a policy can “jump” from page 1 to 18, and back to 5).

You need to know exactly what you are doing to be able to “put all the pieces together”.