Part of the Job 4

 From a reader:

"What is something that nobody outside your job would know is part of your job?"

This is such a good question, that it will have a 5-part answer - one for each day this week. 

Part 4 - From the Insurance Side

Been in insurance since 2006. Here are some myths you want to know:

* The color of your car does not affect the rate. 

* Your credit score matters. A lot. 

* A non-owners policy does not cover everything you drive. 

* Bare minimum is not full coverage.

* It's a shame the previous two need to be said. 

* Your homeowner's coverage will NOT cover anything if you shoot someone, even in self defense. 

  (maybe cleanup IF the shooting was in your home)

* Your insurance company is not out to cheat you on a claim - you were, however, probably trying to materially misrepresent your situation in favor of cheaper premiums. 

* Not nearly enough people have life insurance. 

* I've NEVER met anyone who, after a claim, said "dang, I had too much coverage!"