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InsuranceForum.org provides you with information to help you understand certain insurance terminology, issues and concepts. InsuranceForum.org is not a law firm or an insurance consulting company and does not offer legal/insurance advice. InsuranceForum.org is for educational, informational and entertainment purposes only. InsuranceForum.org does not guarantee that the information on its website is accurate or up to date. DO NOT use or rely on any information provided on InsuranceForum.org without first consulting a licensed insurance consultant in the appropriate jurisdiction. Nothing that you read on InsuranceForum.org should be used as a substitute for the advice of a competent insurance consultant.

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