It is a crucial moment that may very well determine whether or not the many dollars in premiums you pay are going to buy peace of mind or a headache. You must enter into the purchasing stage of getting insured as a minefield. The agent, who may be your best friend and is probably a personable and honest person should be considered your worst enemy and the individual likely to cause you problems with the insurance company. This is not to suggest that the agent would ever intentionally cause you harm.
Most agents are honest, caring professionals.
The insurance company issues its policy based on the information that you provide to the insurance company on one of its applications or verbally. A lie on the application will cause your insurance policy to be a worthless piece of paper. This issue will be discussed in various aspects during the remainder of this article, however for our purposes during this chapter, just take my word for it. If you tell a lie on the application or if you allow the agent to insert false information and you sign the application, your insurance is no good. If you sign the application in blank and the agent completes the application with incorrect information in your absence, your insurance is no good.