Saving on insurance premiums by misleading, or not updating, the insurer can result in no coverage.

Attorney Dan Marr is an attorney practicing at Hamblett & Kerrigan in Nashua, New Hampshire since 1988 licensed in both New Hampshire and Massachusetts. Attorney Marr discusses in this vlog what happens when you are less than forthright with your insurance to save on premiums. Insurance is for incidents you cannot easily pay for such as a car accident or home damage and an insured can avoid coverage for such incidents if you failed to accurately identify your circumstances. For example if (a) a salesperson using her car to travel New England on business but stating they only use the car for personal reason and work from home gets into an accident causing serious bodily injury; or (b) a person relocates for work for a couple of years to open up a new location overseas for the employer and rents out his home while away and the boiler malfunctions resulting in the house burning down, in both situations the insurer may be able to get out of coverage. Insurance companies in such situations will investigate to see if the policy holder lied or if there are other grounds to avoid coverage for the loss. Being careful to accurately answer the insurance application questions and to update your policies when circumstances change are critical not only so that you are honest but also to get the insurance coverage you are paying for. Attorney Marr can be reached at 603-883-5501 and to view more of his weekly vlogs you can go to the firm website at nashualaw.com, click his personal bio, and then click his YouTube channel for the vlogs identified by topic.