Your Agent is trained in determining your insurance coverage needs – not adjusting and negotiating insurance claims. Your Agent can be helpful in getting you a copy of your Policy and explaining the Policy to you.
It is possible your Agent’s hands are “tied” because they are employed, either directly or indirectly, by the Insurance Company.
DID YOU KNOW? Insurance Agencies are often graded on their “Loss Ratio”. And, as an incentive to write less risky policies, they are rewarded for having fewer paid claims.