Filing an Insurance Claim Versus Paying Out of Pocket
"Use It and Lose It"
The phrase "use it and lose it" describes a bad, relatively recent trend in the insurance world. It means if you use your insurance you will lose your insurance, or...file even one claim and your rates will increase or your policy will be non-renewed. Insurer reps deny that it's a reality, but state regulators and consumers are painfully aware that it is. On this page you will find helpful information and resources related to this issue.
Tips
Articles
Research
Legal Information
Tips
Search our site to find find tips and advice that we offer on a variety of issues. You can start with our comprehensive Claim Tips page.
Resisting "Use It and Lose It"
Articles
Search our site to find relevant articles from newsletters and other sources.
Spring 2003 Newsletter - "Use it and Lose it" is anathema to insurance
Fall 2004 Newsletter - Insurers Kill "Use It & Lose It" Solution Again
Research
Legal Information
UP Amicus Brief, "AIA v. Garamendi" Case
United Policyholders is a non-profit organization founded in 1991 and dedicated to educating the public on insurance issues and consumer rights. UP publishes educational materials and serves as a resource for individual and business policyholders and residents of communities with insurance problems. UP’s Amicus Project provides information to courts of law to support policyholders’ legal rights. UP unites policyholders and their advocates by sharing information. Write to UP at 110 Pacific Ave., PMB 262, San Francisco, CA. 94111, call us at (510) 763-9740, or visit our website at www.unitedpolicyholders.org.
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