Everyone knows, or should know, that you should never lie to your insurance company -- that would be fraud -- but what you say and what you do does matter.
Moreover, it could mean the difference between how much of, say, an automobile accident, is covered and what impact it will have on your premium.
"People use the wrong words unknowingly all the time," said Mark Holihan of Mark Holihan Farmer's Insurance Agency. "I just keep asking questions to find out what really happened."
Here are some things to keep in mind when dealing with your insurance company: