Promises and fine print of Insurance Companies

You trust your Insurance Agent...I get that.  What you need to realize is that your Insurance Agent works for a LARGE Insurance Company...they do not write the policies or the fine print.  They may want to fulfill their promise to you....but the LARGE Insurance Company DOES NOT!

The free dictionary defines:

Promise:  (noun)

1. A declaration assuring that one will or will not do something; a vow.
2. Something promised.
3. Indication of something favorable to come; expectation: a promise of spring in the air.
4. Indication of future excellence or success: a player of great promise.

Prom·ised, prom·is·ing, prom·is·es (verb)

1. To commit oneself by a promise to do or give; pledge: left but promised to return.
2. To afford a basis for expecting: thunderclouds that promise rain.

v.intr.

1. To make a declaration assuring that something will or will not be done.
2. To afford a basis for expectation: an enterprise that promises well.

What is fine print in a contract?  (Arrive Alive)

"Fine print is seen as controversial because of its deceptive nature. Even though the exact terms of the agreement is “technically” available to the consumer, it often designed to be overlooked. Consumers are baffled by the technical and insurance jargon typically used in insurance policy handbooks and contracts, and have difficulty to understand these terms in plain English. When some of the content appears to be “hidden” inside the contract, this poses a risk to the consumer.

The unsuspecting customer, who can instantly see the basic aspects of the agreement, will, due to natural impulsive behavior, time constraints, and/or personal need, generally not bother to learn the caveats, instead focusing on the positives of the agreement.

It is important to note that “fine print” in a car insurance policy should not be seen as necessarily being in a smaller “font” or letter type, but it rather refers to a term or fact to be found elsewhere in the contract in an annexure or from a link to another page or sub-clause!"

So what does all this mean to you?

You get all the promises up front to take care of you should you ever get into a car accident.  As Arrive Alive states:  the fine print is hidden so you don't understand or know what you are signing.  

So many people learn about the fine print after they have been in a car accident and the Insurance Company (who PROMISED) to take care of you) uses the fine print against you.

I would say that this qualifies as an oxymoron:  Is a figure of speech that combines contradictory terms.
Or some would say a contradiction in terms:  A statement that is necessarily false.

READ the fine print.  If you have to, take it home with you so you UNDERSTAND what it means.  It is our responsibility to understand what we sign.

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- Ralph Waldo Emerson