What is one action that an agent does NOT perform?

An agent typically does not adjust claims directly because that function is generally handled by claims adjusters or investigators who have the necessary training and expertise in evaluating losses and determining the settlement amounts. Agents primarily focus on selling insurance policies, promoting coverage options, and developing relationships with clients. Their role revolves around the marketing and placement of insurance, which includes soliciting insurance, advertising availability, and inspecting risks to gather information pertinent to underwriting.

Adjusting claims involves assessing damage, negotiating settlements, and coordinating with legal and claims departments, which extends beyond the agent's duties. This delineation in responsibilities helps maintain a clear structure within the insurance process, ensuring that each aspect—from sales to claims management—is handled by professionals specializing in that area.