Insurance Claims Agent Question:

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This is one of those areas in which an independent agent may have an edge. If your agent believes the insurance was wrong in denying a claim, she should step in and lobby on your behalf. When an agent represents one company, she may not want to put up too big a fight or could wind up out of business. An independent agent, meanwhile, has the threat of moving business to another company.

Under any circumstances, beyond knowing how an agent will help in processing claims, you want to know if they will go to bat for you when a claim goes against you.