When it comes to buying insurance you may not be getting what you want. There are details that come in the form of disclaimers. If you do not take disclaimers seriously you may be signing up for something that does not suit you and your situation. Here are three tips for helping you to better understand disclaimers:

1. Ask questions. Your insurance company is available to answer your questions. Contrary to popular belief, most agents are not trying to rip you off. If you have a question about a disclaimer you need to get it in the open so you can find an answer. This is the only way to be 100 percent sure that you want to move forward with the policy as-is.

2. Read over the disclaimer as many times as it takes to understand it. If you have to read the disclaimer five times, so be it. There is nothing wrong with wanting to know as much as you can about your policy and any disclaimers before making a purchase. In fact, this is called being a smart consumer. Only an uneducated buyer would agree to something that they have not read or do not understand.

3. Don't sign on the dotted line just yet. This goes along with the two points above of asking questions and reading the disclaimer until you are comfortable with what it says. Many people agree to whatever is put in front of them because they trust the other party; this is not always the best of ideas. You have to use common sense, and make sure that you hold back on inking the "deal" until you are 100 percent confident in what you are doing.

You should now have a better idea of how to deal with disclaimers and what to do when you face one.