Today, the Everett Herald published an article about when – and when not – to file an insurance claim.
The article touches on a very sensitive topic: Why do consumers get ‘punished’ with rate surcharges or even non-renewals, when doing the exact thing that they bought insurance for in the first place? (Namely, submitting a claim.)
It is a very touchy subject indeed, and the answer on whether a claim should be submitted or not, as the article states, can greatly vary based on an individual situation. As a rule of thumb, keep in mind that insurance is structured to provide protection in case of a catastrophic loss. Also, always report a claim where there is a potential for bodily injury to any party, since you can compromise your coverage if you fail to advise your company promptly, and the delay jeopardizes their ability to settle the claim promptly and fairly.
This is where advice from your local independent agent can be invaluable. Your agent has the expertise to provide professional advice on insurance company procedures and rates, but positions themselves as the consumer’s advocate. So, in case of a loss, it’s sure nice to have an independent agent that you can trust to give you accurate and personalized advice.
Claims counseling is just one of the many perks of working with a local independent agent – like us. (And did we mention our services are absolutely free of charge?) We can also save you the hassle of calling multiple companies or visiting many websites to obtain quotes. We represent the finest Northwest insurance carriers, and can find the company that best meets your family’s needs.
If you’d like to find out how good it can make you feel to work with an independent agent, please give us a call at 425-379-9200, or visit our website at www.AutoHomeBoat.com for a free comparative rate quote, expansive research center, and more information about us.
We’re looking forward to hearing from you!