Most of the time we are ignorant of the premiums we pay for the insurances we take and we are unaware of what to claim and what not to claim and during the time of filling up the forms we tend to sign where ever the agent tells us to sign and when the real time of need comes we are most of the time told that for certain type of loses the insurance cover will not be there and we tend to run here and there and we curse the insurance agent/companies.
It is all of us who are responsible for these conditions because even though we claim to be educated we often tend to neglect these issues basically because the forms are lengthy or we we feel that we are wasting time.
It is a old saying that Prevention is better than Cure and being wise and knowledgeable before entering into any financial commitment leads us to be peaceful and happy.
For more information read
How to Calculate Premium for the insurance cover
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