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Why deal with a broker - why not buy direct?
Brokers not only are able to offer choice, but they perform a service that is often over-looked: When you call to report a claim to your broker, he or she will not only advise you how this claim will affect your rates, but will also warn you if submitting the claim is not in your best interest. When you buy direct, the initial claim call goes straight to the company - once reported, it's on the record!