What You Need to Know to Choose an Insurance Agent in Utah

The ideal is to have personalized advice from an expert, who gives us the certainty and confidence that the insurance we will take out will be adequate.

No one is exempt from being in a situation in which this indispensable service is required, for one reason or another. For this, it is also very important to have the most appropriate one, which fits our needs and which truly offers us the protection we seek.

We are lacking in financial culture, it is a reality, many times we are not well informed or we are completely unaware of what each insurance offers, and more so with the high offer of insurers and new products, so we get carried away by the cheapest or the most popular, even though it's not really the best for us. In these cases, the ideal is to have personalized advice from one of the expert auto and home insurance brokers, who gives us the certainty and confidence that the insurance we will hire will be adequate.

An insurance agent is an external or internal person of an insurer, who acts as an intermediary between the person interested in purchasing insurance and the insurance company that offers it. But… How to choose our insurance agent? Here we present the main characteristics that define a good advisor:

1. Has solid knowledge and experience 
2. Show empathy, understand your specific needs 
3. Explains you with clarity, patience, and honesty 
4. Supports, guides and advises you when you need it
5. Preferably, it does not belong to a particular insurer
6. It is registered with the National Insurance and Surety Commission

Similarly, an advisor must comply with certain obligations such as those presented below:

• Show your valid ID that identifies you as an agent. With this, we know that you have the authorization of the National Insurance and Bonding Commission, as well as the knowledge and the required preparation. 
• Provide different alternatives to our particular needs. This implies that it shows different insurance options.
• Explain widely the different options. Make it clear and specific to avoid doubts about what you present to us, detailing coverage included and exclusions, forms of payment and applicable surcharges, deductible and/or coinsurance, as well as their importance in the cost of insurance. 
• Provide the request. This document is used to determine the insurable risk, we fill it out and sign it as interested parties and the company will determine if we are subject to insurance. This blank document should never be signed.
• Deliver the policy and receipt of payment. Remember that the insurance agent has to give you a cover sheet, general conditions, as well as the payment receipt issued by the insurer with the corresponding stamp. A personal receipt from the agent should not be accepted.

Remember that independent insurance agents Utah will provide you with advice and support not only in contracting, but also during the life of the insurance and, in the event of any eventuality or loss, will provide you with the corresponding facilities.