The last time you had a fender-bender did the words “I’m sorry” slip out of your mouth?  Big mistake, even if you were. That phrase – which might imply that you were at fault – could put your claim at risk.  Stick to the facts and talk to your own insurance company about what you should say to the other driver’s insurer.  Here are four words to avoid that raise a red flag when speaking with insurance companies, according to Insure.com.

 ¨       “Flood.”  Insurers specifically define this as water from a nearby lake, stream, river or other body of water.  Flood damage is not covered under standard homeowners insurance so don’t use the word if a pipe broke and your basement has water in it, which may be covered.  

 ¨       “Experimental.”  Health insurance companies don’t tend to cover procedures in this category.  You want to convey the fact that the treatment is proven and medically necessary.

 ¨       “Whiplash.”  Don’t speculate about this injury until you’ve had a diagnosis.  It’s a word that shouts “fraud” to many insurance companies.

 ¨       “In my opinion.”  Insurance adjusters may try to get you to speculate about the cause of an accident (Driving too fast? Following too close?)  Keep your opinions to yourself, or you may have to eat your words later.

Kurt Galitski

Meet Kurt Galitski - The Kurt Real Estate Group, your new best friend. Distinctive Strategies that Deliver Record-Setting Results. When you combine Kurt’s passion and knowledge of the real estate market, you really gain an appreciation for what makes Kurt different. But what truly sets him apart from the crowd are his 5 distinctive strategies and his property management… For Kurt, getting into real estate was not an accident, it was a deliberate and calculated decision to deliver a better experience to home buyers, sellers, and landlords that they have ever received before. Today, you could ask any one of hundreds of clients, read his Yelp reviews, or look at his track record of being featured in Orange Coast Magazine in excess of eight consecu­tive years and you too will say mission accomplished. www.KurtRealEstate.com www.KurtPropertyManagement.com 877-957-6677

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