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Citing insurer sensitivity to certain words, Insure.com recently advised policyholders to avoid using five particular words when discussing a claim with an agent or a claim adjuster. The goal of the piece, according to Kat Zeman, the article’s author, was not to promote fraud or lying, but rather to avoid a battle “that could slow down or scuttle an otherwise legitimate insurance claim.”

Zeman said that these words often conjure up images of a claim that should be denied based strictly on semantics. Which five words were flagged? They were “Flood,” “Experimental,” “In my opinion,” “Sorry,” and “Whiplash.” (Forgive the writer for slipping in a phrase instead of just sticking to words.)

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