Many companies today sell insurance policies directly to the public. We see advertisements from companies like GEICO, Progressive Direct, Esurance, Safeauto, and even traditional companies like Allstate and Nationwide Insurance have joined the lets “Sell Insurance Direct Party” without the involvement of local insurance agents. (By the way you can continue to buy insurance from a local agent with some of these companies.)
An important question should be addressed when Cincinnati families decide to buy their insurance directly with an insurance company:
What do you give up when you buy insurance directly with the company?
In a previous series of articles I highlighted why consumers need a strong advocate to help them if they need assistance with claims.
When you buy an insurance policy from a company that sells direct there is no strong advocate available to help you if there were a problem with a claim.
In addition when you buy your insurance direct there is no agent specifically assigned to your individual account to answer questions or provide advice about claims. If you have a problem and you call their customer service line they will direct you to speak with a claims adjustor.
If you recall in a previous article I mentioned that when a claim is not settled to a policyholder’s satisfaction I made the assertion that about 50% of the time it is the claims adjustor who is dropping the ball based on my observation over the years of helping clients with claims.
If you purchased your insurance directly with the company, and they direct you back to the department where the problem started in the first place, how pray tell will that help you?
An unbiased insurance advocate who is experienced in trudging through the bureaucratic layers of the claims process is in a much better position to provide assistance verses someone whom is an employee of that company, doesn’t that make sense?
In our case, the agents and employees with Pathway Insurance work for our clients. We are not “company men.” We are not employees in fear of sanctions or termination of our employment by giving you advice that is in your best interest verses the best interest of the insurance company. We work for our clients.
If you are not currently a client of Pathway Insurance, why not take steps to have your insurance taken care of by an agency that offers a complete satisfaction guarantee? Click here to start the process of receiving low cost insurance quotes for Cincinnati drivers.
If you ever have an issue with an insurance company paying you fairly with a claim, having a strong advocate working for you could have made all the difference in the world.
If you have not had our agency complete new quotes for you in some time click here. Or feel free to contact me directly by calling 513-662-7000 or sending a quick email to jack@pathwayinsurance.net
[...] How did my personal claims nightmare begin? It started when I decided to obtain insurance quotes from a number of local insurance agencies including GEICO insurance who predominantly sells car insurance directly to the public without local insurance agents. Like most folks I wanted to make sure I wasn’t paying more than I should for my insurance. (See the article on why you should probably never buy insurance directly with a company.) [...]