Can an insurance agent file and handle their own claim with their insurance company?

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Asked February 26, 2018

1 Answer


If you are an insurance agent with a policy at the company you're an agent for, or any other insurance company, you can file a claim as a customer of the company. You won't be handling the claim on the insurance company's side, though, as that will be handled by one of their insurance adjusters.

To get the claims process started, contact the insurance company's claims department in whichever format they allow whether placing a phone call, on their website, etc. This will get the process going and the claim will be assigned to an insurance adjuster who will determine if there is coverage for the incident or not. They will also handle the claim, assuming it is approved, for the insurance company they work for until it is successfully completed. This will include them inspecting vehicle damage, getting a bodily damage expert involved if the claim includes injuries, etc.

If the question is if you as the insurance agent can handle the claim on both sides for the company, meaning you approve the claim and then make approvals for a body shop to repair the damage, etc., then no. No insurance company would allow an insurance agent to do this because it is a very clear conflict of interest.

Answered February 27, 2018 by OldTownInsurance

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