Generally speaking, negotiating settlements with an insurer is the same whether you purchased your policy from an agent or online. The largest insurers offering online policy purchasing , such as Geico, Progressive and esurance.com, have adjusters who will be assigned to you when making a claim and negotiating settlements. Online insurers generally have adjusters all over the country and may use outside adjusters to serve you. If you’re one of the few who still head down to your local insurance agent’s office to do this, buying a policy online might not be
Buying insurance policies online is still a relatively new concept and admittedly, there are still kinks that need to be ironed out. As such, make sure that your insurance contract specifies how your insurer will handle claims, adjuster issues and settlements. Also, check out the insurer’s customer satisfaction ratings to see what kind of service others have received. For company reviews, see the Free Advice Insurance Center.
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