There are some things that an insurance agent should never say to a customer, especially in writing. Customers will take what their agent tells them as the truth, even if it isn't as true as it could be. We've all heard well-meaning insurance agents use phrases like this. In this two-part series, we will examine several common phrases used by insurance agents who believe that they are helping their clients, but may be unintentionally harming both the client and the agency. In this session, we will deal with questions like these and what an agent ought to say instead. 

• "You have health insurance so you don't need UM."
• "Your business has workers’ comp so you don’t need UM.”
• “The adjuster is wrong; I’ll get that claim paid for you.”
• “That’s not covered so we don’t need to report the claim” 
• “You have a $1 million umbrella so you are set.”
• “I’ll send you the application, just sign it and return it to me”