The main reason people take out insurance coverage for different situations is generally to help provide financial protection against the costs associated with loss, injury or damage in the event of an accident or something going awry. Part of the process involved in determining if you are indeed entitled to receive any payments under your policy terms involves the input of a claim through your California insurance agent or directly to your insurer.
This claims process needs to be followed properly to ensure the insurance company has all the relevant details pertaining to your claim. Without the correct and timely input of your claim, you may find there are delays in settlement. Notifying your insurance company of the mishap is the first step in the claims process. This needs to be done as soon as possible after the event. You need to make a decision regarding minor events, as to whether you will file a claim or not. Sometimes if the damage or loss is minor and little more than you deductible, it may be better to cover it yourself, rather than risk an increase to your premium which can be the result if you submit a number of small claims. All paperwork needs to be filled in with no detail withheld. Any supporting documentation, photos or video should be presented where needed with the claim.
Your California insurance agent may be able to assist you during the claims process but plays no role in approving claims. That is entirely down to your insurance provider.