
Well, the claims process can be difficult even for seasoned veterans of the insurance industry to navigate. Therefore, it's critical you have an agent you know and can trust lead you through this process. Without an agent, you'll have to either understand this difficult process on your own or talk with multiple client service reps each time having to re-explain your position. As the policyholder you think the firm you chose will handle everything fairly, unfortunately this is not always the case.