No — claims are handled by the insurance carrier, not the agent, so claims service is identical whether you bought through an independent or a captive. The actual difference is advocacy. Independent agents typically serve as a buffer between you and the carrier, helping push claims through when there’s friction. Captive agents have less leverage because they cannot move your business elsewhere if the carrier mishandles the claim.
For more on how independent agencies advocate for clients, read our complete agent comparison guide or visit our claims page.
