[Rennen]

Originally Posted by TD in DC

The bottom line is that you should probably pick an attorney who specializes in these issues, and ask him or her. You may even get a second opinion from another attorney who specializes in these issues. It is extremely important that the attorney knows insurance law AND the practices of specific companies. An attorney who is brilliant in one area may not have the experience needed to give you the right advice.

As good as it feels to ask guys who worry about the same things you are worrying about, it is probably not the best basis upon which to make your decision. We are not experts in this area, and EVERY case is fact specific.

My advice is biased based upon my experience with insurance companies. I have chosen to use insurance to cover catastrophic losses and self-insure losses up to the point that I am unable to pay at the moment. Many insurance companies, including mine (Geico), will take into account reports of incidents based upon questions to them even if you choose not to file a claim at a later time. I find this to be disgusting, but so is life

Yep, you're right. Thanks for the input.