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November 15th, 2017

What’s Your Insurance Agent Doing Behind the Scenes for You?

You may be wondering why you’d need to use an actual insurance agent when you’re living in a time when nearly everything you can think of can be done from your couch, in your pajamas, online.

The truth is, if you’ve ever had an issue with a claim or been in an accident, you know that insurance agents do much more than just sign you up for policies!

Your internet insurance company won’t be able to give you the personal attention that a local agent can.

So, what does an agent actually do on an everyday basis?

Let’s take a look.

Set up new policies

This one’s a no-brainer, right?  This is what you typically associate an insurance agent with  –  selling you policies.

If you think that an insurance agent’s only responsibility is to sell, sell, sell, you’ve missed the mark.

They provide a valuable service to people with whom they will build relationships and the expertise they bring to the process is huge.

They can take at look at your personal circumstances and quickly discern what you need and then tell you what discounts are available.

They can tell you if you’re currently under- or over-insured, and they know all the ins and outs of rules, laws, and that pesky fine print.

Maintain policies

Life isn’t static. It changes  –  sometimes at a moment’s notice.

You buy new vehicles, move to new homes, have children, and you may develop health concerns as you age.

Part of what an insurance agent does is to keep up with your policies, making sure that, as your needs change, your coverage keeps up.

They also do little tasks that make things easier for you, like print you new insurance cards when you misplaced yours, take your payments, and coordinate with your lenders when they need some type of verification.

All of these circumstances benefit from a personal touch.

It means a lot when you recognize the faces that are taking care of your important business.

Help with claims

The times when you have to file claims may just be when you realize how important working with an actual insurance agent is.

Filing a claim when you’re insured by a big-box internet-based company is a whole lot more confusing, frustrating, and annoying than when you have an agent who will do the hard stuff for you.

Another valuable characteristic of an agent is the way they can give you advice. Maybe you’ve had a couple claims over the course of a year and then you ding your car door. An agent can advise you as to your best and most cost-effective course of action, which sometimes isn’t to file a claim at all.

Sometimes, once you’ve filed a claim, there’s a hold-up of an issue along the way. Your insurance agent often has the ability to step in and try to remedy the situation, advocate for you, and sometimes get things moving to a quicker resolution.

Lending an ear

Insurance agents do a lot of small tasks throughout their day that keep them busy, not the least of which is actually answering the phone and talking with you.

Personal relationships can make all the difference in a stressful time.

Whether you’ve had an accident, you need to make changes to a policy, or you just have a question about why your rates have changed, your agent will be there to talk you through whatever’s going on.

What do you value most about your relationship with your local agent?