An insurance policy can be a lot like a relationship. It’s a commitment, and when life doesn’t go your way, someone is there for you — financially, anyway. Even if insurance won’t send you roses or chocolates, here are five reasons to love it.

1. Insurers know you’re not perfect

Perhaps you looked at your phone while driving and plowed through a fence. Or maybe you walked away from the stove while cooking and the kitchen caught fire. Auto and Homeowners insurance can help you pay for those mistakes.

2. Insurance companies will be there for you at all hours

Because bad luck doesn’t always happen during business hours, many insurers offer round-the-clock customer service. So whether you’re in a car accident at 2 a.m. or a tree falls through your roof on Thanksgiving, you may be able to start your claim right away.  Most Auto Insurance Cards have an "800" number listed to call them 24/7 if you need them. Then call your agent and let them know what is going on. 

3. Insurance companies want you to be safe

Insurers fund groups that research safety, such as the Insurance Institute for Highway Safety (IIHS). Its ratings mean that “consumers who buy a vehicle on our lists can rest assured that they are getting state-of-the-art crash protection and crash avoidance technology,” says IIHS President Adrian Lund.

Also, IIHS research spurred states to enact graduated licensing laws with three driving stages, Lund says.

Similarly, the Insurance Institute for Business & Home Safety tests building materials and structures. Its findings influence changes that make buildings safer.

4. Insurers want you to save money

Some car insurance companies offer free tools that are helpful for everyone, not just their customers, check to see if your company has tips on saving money other than insurance.

5. Insurers want to help with New Year’s resolutions

It can be hard to quit smoking or lose weight, but your health insurance plan might include resources that can help, including obesity counseling and stop-smoking services such as counseling and medication. These are currently available for free in most health plans as preventive care. For Example some Senior Health Plans offer reduced or free memberships to your local Gym. Healthy Life and Lifestyle can pay huge dividends on Life and Health Insurance Premiums.

Posted 2:00 PM

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