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Personal Injury Lawyer

If Insurance Companies Are So Bad, Should I get an Independent Agent?

If you have been shopping for insurance, but have heard all the horror stories of bad insurance companies, you may be looking for another option. Although you can call around to get quotes from insurance companies, some believe that choosing an independent agent is the best route.


So what’s the difference between a company like Allstate and an independent agent in Kansas? Here’s the breakdown.


A captive agent, or an insurance agent that only works for one insurance company, is required to promote and sell only their products and services. An independent agent knows the pro’s and con’s of policies from a number of companies. If a company’s policy isn’t what you’re wanting, your independent agent isn’t going to try and force it on you.


Captive agents have also been known to misinform potential clients. It’s important to know exactly what your policy covers and the amount of uninsured or underinsured motorist coverage. Signing a contract with an insurance company that misinformed you can lead to devastating and costly consequences.


Which ever path you choose for finding insurance coverage, it’s important to never skimp on your coverage. Take time to shop around and meet with a variety of insurance agents and find the best fit for you and your family.


If you have had a Kansas car wreck injury that was not your fault and need medical treatment, you need an experienced professional who can help you get back on the road to recovery. Call us today at 316-269-1414 or visit our contact page here. Our Kansas personal injury attorneys will provide you a free initial consultation and if we take your case you don’t pay a dime unless we recover money for you. Even then we only take a percentage of the total amount of your recovery.


If you have questions on what you should be looking for when you are making a decision to hire a Kansas personal injury lawyer, read our article located here.


Make sure you download our free car accident app for iPhone or Droid to protect yourself in event of an auto accident.


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Ray Hodge & Associates proudly represents victims and their families across the state of Kansas, including Wichita, Andover, Derby, Goddard, Haysville, Mulvane, Rose Hill, Newton, El Dorado and Hutchinson. Call today for a free consultation all over the state of Kansas. We have proudly served clients in Sedgwick, Butler, Sumner, Harvey, Kingman and Reno Counties.