Intermediaries have better relations with the insurance companies. If they were to care they may be able to squeeze more money out for you. However, filling claim forms for customers isn’t in the job description. Yet, their knowledge would come pretty handy. One thing you need to keep in mind that they need to be interested in intricacies of the business to accumulate worthwhile knowledge in various areas. Quite a few of them may not know much about anything else but sell coverage.
Brokers may call for special favors for their established clients. Also, when some details are questioned they may back them up and vouch for. Furthermore, they know what is acceptable and what else they can add. This knowledge and experience can be helpful to make the most of a claim within the policy terms and conditions.
So, it is often advisable to run the cases through your broker and ask advice. They may be able to see something you missed and offer a direction. You can also ask about recommendations as to who can be of further assistance to you. However, you should make sure that you aren’t pushing them to get involved in the case or putting them on the spot.
In the same way, an agent can be instrumental in keeping clients’ records clean by telling outright what isn’t worth bothering about. This may not be what drivers are interested but paying for small incidents out of pocket is a real strategy and can be highly beneficial. People often don’t think about things like deductibles and concentrate on the actual loss. When you take out the deductible and add the auto insurance premium increase from the next renewal for at least three years you can clearly see that you may actually lose out.
If they choose to involve they can make a difference. However, some of them can make a meal out of it as well by charging high handling fees. You own the policy and the vehicle, and you would be better served if you were calling the final shots in any case.
In cases of big damages it may be sensible to employ a claim handler on your behalf. Large numbers of car insurance sales agents wouldn’t want to involve with clients’ losses because it takes time and there is no upside for them. If they can get more money some motorists may feel that it is their job to help but it really isn’t. If it doesn’t go as expected they can be blamed for it. On the other hand, an independent adjuster working for policyholder would be more professional and able to set fees.
You need to put yourself in their shoes before you ask favors. Brokers may not be the right people for filing vehicle insurance claims for customers. They should be considered good enough if they are doing a good job in determining the cover you need and going out and getting the best deal. Even if you ask for help you should not have high hopes and not be disappointed if the outcome is not what you expected.