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| Albany | | If you decide to cancel your policy | | Adjustment Bureau: A firm organized |
| Rome | | (after acquiring new coverage) | | to provide adjustment services to |
| Marietta | | outside of the 30-day period, you may | | insurers not wishing to create their |
| Coral Springs | | have to pay a fee or penalty. | | own claims division. |
| Wilmington | | However, you may still save money | | |
| Pensacola | | after paying the fee if your new policy | | Divided Cover: The placing of |
| Stamford | | affords you significant savings. So | | insurance on a given subject or |
| Mobile | | while it is best to wait until your | | object with more than one insurer. |
| Fullerton | | receive your renewal notice, you CAN | | |
| Quincy | | cancel your policy at any time. | | Lapsed Policy: One which has been |
| Minneapolis | | | | allowed to expire because of |
| Riverside | | Shopping around is the best way to | | nonpayment of premiums. |
| Modesto | | save money on your insurance. | | |
| Bradenton | | | | Capital Sum: The maximum lump sum |
| Madison | | The best time to switch policies is | | payable in the event of accidental |
| Honolulu | | within one month of receiving your | | death or dismemberment. |
| Anderson | | policy renewal from your current | | |
| Raleigh | | insurer. You can typically cancel your | | Time Limits: The limits of time within |
| Bloomington | | policy without any fees or penalties if | | which notice of a claim and proof of a |
| Zanesville | | you act within this time period. | | loss must be submitted. |
