The agents will help the process go smoothly. They advocate for the policyholder and act for the policyholder's benefit when negotiating with the insurance company. An agent will try to get you the best possible compensation for the covered loss you suffered. In the insurance industry, claims are inevitable. One day you'll receive a call from a customer telling you that there has been an incident and that they need to know what to do next.
Will you be ready when they do? While the insurance company manages the claim, independent agents are often the point of contact for policyholders and play a crucial role in the claims process. Big changes in your life can happen in the blink of an eye. Sometimes, those changes can affect your car or home insurance needs. Independent insurance agents offer their customers their expertise to ensure that their insurance coverage matches their specific insurance needs.
Insurance agents represent one or more insurance companies and earn a commission when they sell a policy on behalf of the insurer they represent. Agents can also help customers evaluate their insurance needs and provide assistance if they need to file a claim. An easy way to remember the difference is that an insurance agent helps protect you from harm, while the adjuster helps you get compensation for the damages. The agent may also be able to request information about your situation from the insurer before you submit a formal request.
The Kicker Insures Me agency is the insurance agent (not the adjuster) that can answer questions, provide you with quotes and help you evaluate the coverage you need. Because they're familiar with smaller insurers that may specialize in certain niches, independent insurance agents can help if you're having trouble finding affordable coverage or if your insurance needs are complex. Independent insurance agents are third-party sellers who have a relationship with several companies and receive a commission when they sell to you a policy. Keep in mind that independent insurance agents are paid a higher commission for selling you a more expensive policy.
Seek coverage for complicated situations, such as car insurance for a driver with a DUI or life insurance for a person with a pre-existing condition. For example, many insurance agents want customers to know that they can't get retroactive coverage because of something that has already happened. While a good independent insurance agent can help you find affordable coverage, understand your policy and file a claim, it's also important to understand what your agent can't do. Selling on Etsy or becoming a beauty company representative are examples of domestic businesses that your insurance agent should know about.
Whether you have a child, buy a car, adopt a pet or buy a house, your insurance agent needs to know the events in your life to add insurance coverage. For new insurance agents and brokers, understanding the complexities of the process of processing property and accident claims is crucial to managing expectations and facilitating smooth interaction between policyholders, third-party claimants and the insurance company. Knowing the difference between an insurance agent and an insurance adjuster can alleviate some of your stress when processing a claim. Working with an independent agent can be useful if you have complex insurance needs or can't find coverage.
Or better yet, have a personal relationship with your independent insurance agent and get to know them over time and ask them questions. Whether you adopt a furry friend or a newborn baby is born, call your insurance agent to make sure they're covered.
