MEMPHIS, TN (NBC) - You're better off keeping your mouth shut then ever mentioning any of these words in the course of an insurance claim.
* SORRY. Collecting an insurance claim means never having to say you're sorry. It may be habit--even honorable--to admit blame in an accident, but Insure.com said it's better to let law enforcement sort out what happened, then let the chips fall where they may.
* WHIPLASH. That word is code to an adjuster for "bogus medical claim." Insure.com said don't self-diagnose your injuries. Leave that to the medical professionals.
* INTENTIONAL. If the act was intentional--and it was articulated as such--insurance won't cover it.
* CUSTOMIZED. Your auto policy may not cover custom upgrades to your vehicle. The modifications might even void your policy.
* BREAKDOWN. Your auto policy doesn't cover mechanical breakdowns--car won't start, axle snaps--unless it includes mechanical breakdown coverage.
* FINE. It's natural to want to assure people at the accident scene that "I'm fine." But let a doctor determine that in case you have injuries that ought to be covered by insurance.
* RIDE-SHARE. Thinking about driving for Uber or Lyft? Better check with those companies and your insurance company first. Your current policy may not cover your vehicle if you're ride-sharing.
* OFF-PREMISES. Some homeowner's policies require the damage to have originated on-premises. So before you blame the water damage on something off your property, make sure your policy accounts for it.
* COINCIDENCE. Don't say what happened with your car or house was a "coincidence." Insurers will immediately suspect you're not being truthful.
* TERMITES. Termite damage isn't covered under a homeowner's policy. That's why it's important to have a reliable, regular termite protection contract.
* MOLD. Mold is not covered under insurance unless it was caused by a water event that is covered.
* EXPERIMENTAL. Never say your medical treatment is "experimental." You're giving your insurance company an out to avoid alleviating your medical costs.