I would call them to verify the person is actually covered

I was royally screwed by a swimming visitor who had a fake insurance card. One of those call, get the card and cancel immediately types.

I was out over seven grand on my repairs, rental, depreciation of tires and such.

If I would have called the guys insurance and asked about the policy, I could have found out he wasn't covered and asked the officer if I needed to file charges or something against him.

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