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You can also purchase insurance on the Internet. Accessibility and ease of use of the Internet have revolutionized the world of shopping. Everything from pet food to furniture is available 24 hours a day, 365 days from the comfort of your home. This includes insurance. Here are some tips for protecting yourself when purchasing insurance on the Internet.
Research, research, research
Research is the best protection so far. Fortunately, the Internet is also a wonderful research agency. Please decide the most suitable insurance coverage for your needs and shop for companies, agencies, expenses, and coverage.
Reconfirm company and agency
In order to sell insurance in our state we need a company and distributor license. In order to confirm the reliability of the company or agency, please check the following facts with the agency.
- Is the company licensed in Washington?
- Is the company licensed to sell insurance lines you are interested in purchasing?
- Is the agent licensed in Washington and is a legitimate agent?
- Does the company have a good record to handle policy violations?
Purchase on the Internet
Once you have confirmed your facts and found a company, agency, policy that suits your needs, you are ready to purchase. At this point, security is the name of the game. Take precautionary measures to protect your personal information:
- Please refresh the browser. More recent security measures are applied to new browsers. (One way to check if you are on a secure site is to look up the address.The secure site address may start with https: // instead of the normal http: //, It's somewhere in the lower left or right corner.)
- If you can not confirm the security of the browser, please contact the company or agent and submit the document by fax or post.
- Please pay special attention when paying with credit card. Some credit cards may have anti-theft features. Please check the credit card contract for anti-theft clause.
Evidence is in the document
After completing research and purchasing, it is important to keep detailed records. Please obtain all rate quotation marks and important information in writing of your file in writing. Also, after deciding to purchase online please keep a copy of all the documents you signed in and the correspondence, special offer and payment receipt.
Please copy a copy of the new policy within 30 to 60 days after purchase. If you do not receive a copy, please contact the insurance company immediately.
Insurance "Red flag"
There is a simple "red flag" warning the possibility of insurance fraud:
- Please do not follow high pressure tactics. If you are overwhelmed with a offer from a particular group or agency that makes you uncomfortable, please trust your instinct and teach it explicitly.
- Please do your research. Fraudsters may persuade them to change coverage quickly without giving them the opportunity to do the appropriate investigation.
- Ask for advice. If you require a large deposit in your account with a specific policy, please seek advice from third parties, such as insurance agencies, accountants, financial advisers, etc. in a reputable area.
- If it seems too good to be true it is probably!
