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Disclaimers

When it comes to signing any document you want to make sure you read all the fine print. Every contract, insurance policy and legal document will most likely have disclaimers attached. This is where the person writing the contracts can hide all sorts of things.

In an auto insurance policy, the disclaimer is where the insurance company will list all the things that they will not cover. The font size of this part of the policy is much smaller than the rest of the policy and you may need a magnifying glass just to read it. The most important thing is that you do read it so you know what to expect when you file a claim.

Many people end up surprised at claim time when they are told by the insurance company that they are not covered — they would have known this if they had read the fine print.

You may also find hidden fees and expanded deductibles hidden in the fine print.
They may add money to the deductible if your car is damaged in a certain way or if someone that is not covered drives your car. The insurance companies may hide pretty much anything they want to say in the fine print. Most of the time it is in terms that you may not understand. Some people are lucky and have a decent agent who tells them what all that fine print means, but for others, it’s best to consider taking your policy to a lawyer to have them explain what the fine print means. This may seem drastic, but you must protect yourself anyway you can.

It is possible for an insurance policy to say that something is covered, but in the fine print it will state that the same thing they said was covered earlier is not covered. What counts is what is in writing. Unless you read the fine print you may not know the truth.

Sometimes, if you are in a hurry, you may just go ahead and sign and not worry about the fine print. While this might be alright as long as you never need to make a claim, if you haven’t read the fine print, you need to understand you are gambling with your coverage. The only way you can truly know what is and is not covered in your policy is to read the fine print. If you don’t read it, you may end up making a decision that causes you to lose a lot of money in the long run.

The disclaimer can also say that the policy may change without notice. That means your insurance company is able to change your premiums and your coverage and you won’t be able to do a thing about it. That could be a major shock when you receive a higher bill a few months down the road.

Instead, you need to review the fine print. If you are not comfortable with any aspects of it, you should not sign. Instead, you need to search for an insurance company that will give you a policy that you want.

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