1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    If you are sued call your insurance company immediately.  Your policy probably has a toll-free number for the claims office.  If you suffer damage to your property you might want to discuss the claim with your agent before filing a claim.  Sometimes the recovery will be insignificant after payment of the deductible.  If you file the claim you could be charged a “point” which would raise subsequent premiums.  It is just good to talk that through before notifying the claims department.
    Answered on May 5, 2014
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