Re: Are licensed independent insurance agent required to have a physical agency locat
esurance is their own company, they can do whatever they want. Several online companies do this. They sort it out later if there is a dispute.
Truth is, you can almost always tell if the damage was caused by the accident the person is saying caused it, but it requires more work, and causes lots of adjuster headaches. The online companies have accounted for this.
This is also part of the reason buying P&C insurance online is usually more expensive than buying it from an agent. Heck, if I want to clinch a deal, I let the person price e-surance when he's in my office (rarely do this, but it's fun every once in a while).
Most carriers that you can get appointed with will want inspections. After a while, you realize this isn't a big deal. There is enough business within a 5 mile radius of your office to keep you busy for a lifetime.
Dan
esurance is their own company, they can do whatever they want. Several online companies do this. They sort it out later if there is a dispute.
Truth is, you can almost always tell if the damage was caused by the accident the person is saying caused it, but it requires more work, and causes lots of adjuster headaches. The online companies have accounted for this.
This is also part of the reason buying P&C insurance online is usually more expensive than buying it from an agent. Heck, if I want to clinch a deal, I let the person price e-surance when he's in my office (rarely do this, but it's fun every once in a while).
Most carriers that you can get appointed with will want inspections. After a while, you realize this isn't a big deal. There is enough business within a 5 mile radius of your office to keep you busy for a lifetime.
Dan
