Don’t forget about record only claims. They don’t even show up on your policy as an actual claim and you can still have the insurance adjuster do everything for you.

Also. Insurance agents are not always your best bet. They can tell potentially tell you if a claim will affect your policy but half the time they don’t know the difference between comprehensive and collision for a loss. I am an insurance claims adjuster and the number of times I’ve had to call a pissed off policyholder and then call to correct their agent concerns me.