If you need to file an insurance claim, contacting your agent is important because it keeps them informed of the situation; however, it is your actual insurance provider that will handle the claims process for you.
A good independent agent will be able to direct you to your insurance company, as well as help guide you through your process as much as possible. They will also help ensure that your rates stay competitive after the claim.
Although it is important to let your agent know what has happened and how it turns out, their role in the actual claims process is minimized.
Why Can’t my Insurance Broker or Agent Handle my Insurance Claim?
Insurance claim estimating and the claim adjustment process is a specialized area within the insurance industry. The role of insurance agents and brokers is primary to sell insurance policies, not to estimate and adjust claims.
The Role of Insurance Adjusters
An insurance/claims adjuster is sometimes confused with the agent. The role of the adjuster is to examine the scene and appraise the costs associated with replacement or repair of damaged property.
This is the person you will see at the scene of an accident, and not your insurance agent. Additionally, the adjuster may offer you a settlement on the spot, which an agent would not be authorized to do.
Adjusters are employed by your insurance provider; they are specifically trained in evaluating the damage or accident and making an accurate estimate of the amount of damage involved.
Always Check Your Insurance Policy
Before you need to file a claim, read your policy. It should tell you how to begin the claims process, the information that will be needed, and what your responsibilities are during the claims process.
Have questions? Call the Thumann Agency (972) 991.9100