Insurance Agent vs Insurance Adjuster
Insurance Agent – Sells insurance.
Insurance Adjuster – Works in claims.
What Is The Difference Between An Insurance Agent And An Insurance Adjuster?
An insurance agent sells insurance, they get insurance for the client and then they help in the customer service of the policy. An insurance agent can act as a additional help if someone asks questions about their policy.
An insurance adjuster works to get someone compensation. Sometimes this person can work directly for the carrier when a claim gets filed, sometimes the worse case scenario is this person can be a salesman just trying to file claims to generate a commission!
Insurance agents do not lose out on much money if you file claims. It does come back as a reflection on them if they bring a lot of business that is filing a lot of claims. Insurance carriers are paying attention to the agent’s own loss ratio that they are generating. It does not matter too much to the insurance agent if you file a claim sometimes the insurance carrier is bringing in so much money they expect to pay out just like the rule of large numbers.
An insurance agent can be trying to save you when filing a claim! Sometimes it is better to pay out of pocket to file a claim. A repair sometimes can be cheaper than the deductible! Or the difference in nominal. Filing a claim can increase your own personal insurance rates in the future. It is important to file a legitimate claim that is not fraudulent or illegal.
Be careful if someone says they are a insurance adjuster if you have not filed a claim or thought you had prior damage. If you have filed a claim and an insurance adjuster comes out from the insurance company that you filed the claim with and denies your claim THEN it would be a really good idea to get a 3rd party insurance adjuster IF you believe the claim to be a legitimate claim. It can be a good idea to get a insurance adjuster that is known to be able to get insurance claims fulfilled in this specific case.
Be sure to be filing honest legitimate claims that occur from random acts of nature, not just normal wear and tear.
If you want suggestions on 3rd party adjusters who can help you when it comes to filing insurance claims for legitimate claims reach out to us and we might be able to extend a couple names. If you believe you have a claim consult your insurance agent. If you want us to be your insurance agent call us and we can get you insurance for a lot of different cases.