Question: Isn't my agent supposed to handle my claim even if the other driver was at fault and received a ticket? My agent told us that it was our responsibility to deal with the other person's company. Isn't that why I pay for full coverage, so that my agent will take care of whatever I need? Why else do I have an agent? Answer: Auto insurance agents are not there to help you with your auto accident claims. In general each state requires one type of license to sell insurance and another to handle claims. A car insurance agent is there to:
- Help you find the best rates.
- Make sure you are getting all of the available discounts.
- Help you to determine the appropriate amount of insurance coverage for your needs.
- Explain coverages and limits.
- Explain insurance terms.
- Help you make any necessary changes to your policy (adding a driver, removing a car and so on).
- Take payments.
You can of course call your car insurance company and inform them of the accident and that you will be making a claim with the other party's insurance company. Your insurer will then note this and should be ready if the other party turns out to be uninsured or other issues arise and you have to make a collision claim through your own policy instead.When a claim is made through your own policy and another party is at fault, then your insurance company will be fully involved to pay out your claim and go after the other party's insurance company (through subrogation) to recoup what it paid out for your claim.