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Sometimes in life, there are events that arise that we cannot face alone, such as death or property damage When faced with these situations, people rely on insurance Insurance helps us deal with these situations by providing monetary compensation If you do not have insurance and would like advice on getting some, then read this article Anything that could possibly be covered by your insurance should be filed as a claim You may find that there is more damage than the untrained eye can see Having an adjuster come to look at it may save you money down the road The insurance would have covered the damages now but not later  Like with any contract regarding money, make sure to get your insurance policy in writing get dental insurance   The representative may offer you a great deal or specific add-ons, however, if you don\'t get it in writing, it is not enforceable Sometimes, agents will make promises they can\'t keep and it is up to you to make sure they keep to their word  You can get health coverage for your pet Dogs and cats are commonly covered, but you may be able to find insurance for other small animals too Many pet owners elect to go without pet coverage, as they find limited options and high co-pays too difficult to deal with, but some appreciate the added peace of mind  Some types of coverage require pre-approval before submitting a claim If you receive pre-approval for a claim, be sure to document the name or contact information of the person providing the approval This helps if you later experience any problems having the claim paid or approved Most companies record policy notes when customers call, but having a specific name to contact can make the claim process simpler  Check your policies regularly to make sure they are still accurate For instance, your auto insurance might no longer reflect the actual value of your car or you might be paying for health coverage you do not need anymore as your children grow up Make sure you subscribe to plans that reflect your needs  If your credit score has gone up, have your insurance company rechecks your scores Insurance companies do base part of your initial premium on your credit score Without your permission though, they can only check it when they initially offer you coverage unless you have had a lapse of coverage If you know your credit has gone up, having your credit rechecked could net you a reduction in your premiums  If you are spending a lot of money when planning a wedding, consider taking out wedding insurance Wedding insurance can cover the cost of any money lost from deposits for venues or booking fees if you cancel the wedding before the day A cancelation could occur because of illness, bad weather or simply a last minute change of mind  Get lower insurance rates by paying for your insurance annually or twice a year instead of monthly get dental insurance   Most insurance providers give a good discount for paying up-front Additionally, many insurance providers charge a monthly fee of $2-$3 in addition to higher rates for monthly payment, so your savings can really add up when you pay in advance  Insurance is something everyone should consider We all have things that we love and want to protect as well as things we have worked hard to achieve One accident could wipe them away, but insurance can be there to pull you through Using the information in this article can help you make one of your wisest decisions get dental insurance