Although they may be centered around people’s lives, TV shows and movies are rarely true to reality. In fact, most of the common experiences people have in the wake of tragedy or hardship are glossed over. Let’s face it, dealing with insurance policies and claims in real life isn’t so glamorous, and it wouldn’t make for an interesting plot. Just like TV and movies make medical errors, there are also some major misconceptions about insurance. Here are three mistakes that screenwriters are making when it comes to insurance.

They Visit the Affected

Agents do not visit someone’s home after a relative dies to deliver them money. They also don’t turn up at your doorstep after a car accident. Your vehicle may be appraised by an insurance professional after a wreck, but they won’t come on their own accord. It’s the 21st-century, which means most communication with insurance companies is done electronically. You may still receive some documents by mail, but don’t expect any news to ever be relayed in person like it is in Death of a Salesman.

They’re Easy to Trick

Insurance scams are a common plot in many shows and films, think Fletch, Double Indemnity, and Save the Tiger. But burning down your house for insurance money isn’t as easy as fiction makes it seem. According to Michael T. Gibson, insurance companies and agents are willing to do almost anything to get people to admit even part of an accident was their fault as that will allow them to avoid having to pay out the total amount. Remember, insurance is a business, and there are many professionals within a company that work hard to get the truth behind each accident and make sure people aren’t abusing the company’s resources.

They Don’t Follow-Up

When it comes to investigating insurance claims, companies do not simply review a report and provide compensation. According to 4 Auto Insurance Quote, the process can be long and even frustrating at times, but the thoroughness of an insurance company’s investigation ensures that proper compensation is given to the deserving parties. You never see an agent or company call up someone after a car accident or other incident on TV or in the movies, but in real life, you can expect to be in frequent communication with your provider after a claim has been filed.

Getting insurance and maintaining coverage is easier than ever, but it rarely occurs overnight. Screening processes and protocols protect companies and their customers from fraud; by researching the entire insurance process in every industry you need coverage, you’ll be able to make sure that you find the perfect provider.
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