Should I give an insurance adjuster my social security number?

You should never give an insurance adjuster your social security number — you are not required to provide it and generally, it is not necessary for an adjuster to have it. No one, other than a taxing authority, has a right to that number since it is the ‘key’ to your entire life, and now, the insurance company knows more about who you are, some of which could be damaging to you in any claims.

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What is a reservation of rights letter?

Most people purchase home, automobile, or some other type of liability insurance in the belief that if they are ever sued, the insurance company will represent them and pay on the claim, if needed. Unfortunately, many people do not quite grasp the limitations contained in the fine print of their insurance agreement until they receive a reservation of rights letter from their insurance company. The reservation of rights letter usually serves as a notice that your insurance company has reserved its right to deny coverage at a later date based on the terms of your insurance policy.

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