When automobile claims come in we always talk to the insured about the benefits of self-insuring the loss if they can, but more and more we are seeing lawsuits being filed for claims sometime down the line. If the insured reports the claim to us (the agency) and we note their account, but they decide to self-insure (not report the claim to the insurer), are we in any way jeopardizing their coverage? Do you think this agency is jeopardizing someone's coverage?

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