Winning the Insurance Game The Complete

Millions of consumers play the insurance game but don’t know how to win. Now Ralph Nader, internationally renowned consumer advocate, and attorney Wesley J. Smith have joined forces to show you how to beat the insurance companies at their own game. In Winning the Insurance Game, Nader and Smith walk you through complex laws and fine print, alerting you to the loopholes and clarifying the world of insurance.

In this groundbreaking book, newly revised and updated to include the latest information, they help put an end to unnecessary spending by offering hundreds of practical tips. Learn six steps to lowering your automobile insurance premium, how to choose a good HMO or PPO health plan, and what insurance you should never buy.

Before you buy any insurance, read this book. It can save you money and help to ensure that you get the coverage you really need.

Acknowledgments	p. xi
Foreword	p. xv
Introduction	p. xvii
Insurance Consumer's Bill of Rights and Responsibilities	p. xx
The Nature of the Beast	p. 1
A Brief History	p. 5
The Insurance Umbrella	p. 8
How to Buy Insurance	p. 21
The Insurance Contract	p. 34
How to Read an Insurance Policy	p. 41
What Price Security?	p. 52
Consumers' Agenda	p. 58
Automobile Insurance	p. 61
The Question of Fault	p. 65
The No-Fault Alternative	p. 76
The Typical Auto Insurance Policy	p. 83
Saving Money on Auto Insurance	p. 98
Avoiding Insurance Roadblocks	p. 108
Consumers' Agenda	p. 119
Health Insurance	p. 131
To Your Health ... Insurance	p. 135
Traditional Health Insurance	p. 150
HMOs and PPOs	p. 164
Filling the Gap When You Lose Group Coverage	p. 175
Disability Insurance	p. 184
Consumers' Agenda	p. 192
Residential Insurance	p. 205
How to Buy Homeowner's Insurance	p. 209
Protecting Hearth and Home	p. 216
Insurance for Condominiums, Rentals, and Mobil Homes	p. 236
"Add-On" Protection	p. 246
Consumers' Agenda	p. 256
Life Insurance	p. 259
You Bet Your Life	p. 263
Understanding the Life Insurance Contract	p. 271
Shopping Tips	p. 278
Term Life Insurance	p. 290
Cash Value Life Insurance	p. 302
Vive la Difference: Cash Value Policies	p. 314
Life Insurance Riders	p. 326
Government Insurance Benefits	p. 333
Social Security	p. 337
Medicare	p. 350
Other Government Insurance Benefits	p. 363
Consumers' Agenda	p. 375
Insurance to Fill That Special Need	p. 379
Senior Citizens Insurance	p. 383
Workers Compensation	p. 402
Prepaid Legal Insurance	p. 417
Standing Tall	p. 423
Regulation: Fact or Fiction?	p. 427
Creating a "Paper Trail"	p. 433
Filing Your Claim	p. 443
We Have Not Yet Begun to Fight	p. 455
Consumers' Agenda	p. 470
Epilogue: Toward Greater Expectations	p. 473
Appendices	p. 479
Glossary	p. 481
Insurance Coverages Not to Buy	p. 488
Insurance Departments: United States and Canada	p. 493
Bibliography	p. 500
Consumer Insurance Resources	p. 502
Excerpts, Sample (Homeowner's) Insurance Policy	p. 505
Index	p. 516
Table of Contents provided by Syndetics. All Rights Reserved.

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Winning the Insurance Game The Complete Consumer's Guide to Saving Money

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