At the moment, I have abslutely no reason to believe that my insurance company will be unfair with me, but unfortunately the horror stories about insurance companies screwing people when they go to make claims on their policies are legendary.
I feel that I am at a great disadvantage in this transaction because I will go through this process once or twice in my lifetime, whereas the insurance company has trained specialists whose job is to maximize the margin for their employer. I have no problem with that.
It seems to me as if it would be beneficial for me to have an advocate representing me who is familiar with all of the ins and outs of insurance claims -- who I could feel was representing my interests in getting the maximum benefit for me from my insurance policy. I purchased this policy to reduce the risk of such accidents -- not to create yet another stressful situation where I need to interact with someone who is out to maximize the benefit to their company in paying my claim. Any thoughts?