We have learned the hard way over the years to think twice before we make an insurance claim. In the long run, it could cost you more in headaches and expenses than you expect. Health insurance is the only insurance that expects you to make claims and actively use them. Unfortunately, Auto Insurance, Homeowner's Insurance, Renter's Insurance, Umbrella Insurance, and many more can penalize you if you make a claim. It is supposed to be used in … [Read more...]