People buy insurance for all those unexpected happenings in life. But not all people have insurance in place when those events occur. And that can lead to problems – for a lot of people.

The Natchez Democrat told the story of a man in Mississippi found himself in that latter group. He did not have insurance and hit a deer. He called a friend who encouraged him to get insurance immediately – and (here’s the rub) then claim the accident occurred after the policy was issued. So, that’s what he did.

After getting the policy, the claim was submitted, which prompted a vehicle accident investigation. Sometimes it is not clear when International Investigators gets called into a case whether it includes auto bodily injuries. But because [...]