Be sure you have the coverage you thought and get it in writing. Assuming that your agent and company put into your policy the coverage you talked about will bite you later.

I found out the hard way.

Your Insurance Agent sells you insurance coverage. If the company he/she represents does not satisfy you in the end result about what is and has not been covered in your claim. He/she is not always the blame.

· Do you know what a claimant is?

· Do you know your rights as a claimant in the state of Iowa?

· Do you know what to expect from your Insurance Company when your car is a near total and you don’t want it back. What the company pays? What will the company do?

· Do you know or understand what pre-accident condition means? – Hail?

· Do you know what Like Kind Quality (LKQ) means?

· Did you know what determines this designation?

· Merely a yellow sticker, this means this part will pass a crash test, in theory anyway.

· Who has interest in the stock of these companies – Insurance Companies?

· Does your insurance company have to pay tax and license on your replacement vehicle?

· Do you know what diminished value is?

· Do you know what Gap Insurance is?

Be sure you have the coverage you thought and get it in writing. Assuming that your agent and company put into your policy the coverage you talked about will bite you later. I found out the hard way. Your Insurance Agent sells you insurance coverage. If the company he/she represents does not satisfy you in the end result about what is and has not been covered in your claim. He/she is not always the blame.