Officials offer tips for avoiding fake insurance

NASHVILLE, Tenn. (AP) -- State officials have offered tips for guarding against fake health insurance.

They include asking hard questions, reading all materials and scrutinizing websites. Coverage that boasts low rates should be alarming.

Be skeptical of ads for insurance via spam emails or blast fax.

Make sure insurance agents are selling a state-licensed insurance product.

Deal with reputable agents.

According to a news release from the Department of Commerce and Insurance, unlicensed companies defraud consumers by collecting premiums for bogus insurance policies with no intention of paying claims.


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