I'm wondering if I should switch both insurance company and agent?
2007-12-07 06:14:04 · 6 answers · asked by SQD 2 in Business & Finance ➔ Insurance
Depends on the situation.
If it involves a claim - there is nothing your agent can do. Their job is to sell policies and it is the claims department's job to handle the claims. If you are mad at your own claims department and are accusing them of bad faith - there is nothing your agent can do- the claims department/claims adjuster does not work for the agent.
If you are accusing the sales department of bad faith - your agent is not going to "go to bat" for you b/c you are accusing them of wrong doing.
Your agent has no pull with their own claims department and even less pull with another company.
In short - agents can be helpful - but they can not legally represent you - they are not attorneys.
2007-12-07 08:35:08 · answer #1 · answered by Boots 7 · 1⤊ 0⤋
If you have a legitimate gripe. If you are not happy, look for another agent and see what he can do. I don't know what lines of insurance you are referring to. Depending on your situation a different agent may be able to smooth things over with the current insurance company.
2007-12-07 14:24:44 · answer #2 · answered by Agency Builder w/ BTID 2 · 0⤊ 0⤋
If your insurance agent is NOT going to bat for you, you DEFINATLY need to switch. That ALSO includes, explaining why the company is doing what they're doing (sorry, sometimes you ARE at fault, and if you flat out don't have coverage, they aren't going to pay).
True bad faith situations are pretty rare.
2007-12-07 14:46:55 · answer #3 · answered by Anonymous 7 · 1⤊ 0⤋
Theres a lot to be said for good customer service and especially one who will stand up for you, but remember the agent does not represent you, he/she represents the insurance company in all matters. They of course could place a call and attempt to resolve the issue you are having, but in the end they represent the company.
If you believe you have been the victim of bad faith, then contact your State Department of Insurance. Usually the state DOI has a consumer affairs division that will assist you free of charge in dealing with an insurer. In many instances they are able to resolve the issue equitably for both parties.
Good luck.
2007-12-07 16:31:05 · answer #4 · answered by Jay D 3 · 1⤊ 1⤋
I would not expect much help from the insurance company or its agent. You should talk to your state's insurance department. http://autoloss.com/statedepts.htm has a list of the addresses and websites for various (US) states.
2007-12-08 03:38:58 · answer #5 · answered by Tim C 1 · 0⤊ 0⤋
If you do not feel comfortable with your agent, or if he has not done what you think he should do for you, meet with him and tell him you feel something is wrong.
If you are astill not satiasfied, find another agent.
2007-12-07 16:02:09 · answer #6 · answered by TedEx 7 · 0⤊ 0⤋