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Life insurance is often a necessity for families. However, finding the best life insurance quote can be challenging. Learn a few s…
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Life insurance is often a necessity for families. However, finding the best life insurance quote can be challenging. Learn a few s…
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I decided tonight to start reviewing companies that make me happy lately. There aren't many like Don Bullard, so it's a lot faster than rating one or two other Wilmington insurance competitors with criticism ... not only will I complete my ratings before my favorite show, I ...moreexpect a better night's sleep -- and that's about feeling good rather than feeling mean, spiteful and critical. Besides, it was the challenged Big Insurance nightmare, BigStore no-service and BigBankorBust fees that drove me to find new companies and my new insurance agent. My challenge started a few months ago when I got my annual 'thank you' letter from my insurance company -- the same one I've had for years. Of course the letter thanked me for 14 years of loyalty ... asked about coverage ... thanked me again! If you're a homeowner, you know this letter, right? It's similar to the one from your health insurance company that leaves a P.S. on the upcoming rate increase. I anticipated the homeowner insurance hike. But I sure didn't expect the double or nothing bill that followed the 'customer service inspection.' If I could find that letter I'd put the term in quotation. Because I don't think inspection was about the level of customer service or a courtesy arising from my service record or loyalty. Ha! Despite my record - never filed the first claim - what followed was cancellation. Once, twice, three times (they're out). It's no surprise that the Bigs are canceling coastal policies. Since my house isn't close to water or in bad shape, I never realized the challenge would grow to a no-choice policy that carried a premium on par with my mortgage. Yikes! My neighbors have had the same problem and we decided we'd split up the yellow pages and call around. Somebody talked to Don Bullard and I'm surprised we didn't all crowd the lobby the same day. Actually, I really didn't expect much difference in the premium, and perhaps my former company could have come close -- if only the agent had listened. In my opinion, the difference was Don. He sat down with us most of an afternoon, reviewed our policy, coverage, needs, risk AND the budget. Even better, he explained the inspection procedure that most insurance companies have adopted. Well, you don't know what you don't know and homeowners: this is stuff you need to know! We found out that the little stuff was adding up into a really big bill. Don said that the policy cost, in part, gauges risk -- something like that anyway, I don't know insurance agent speak. Anyway, he helped us create a list to impact our 'report card': moving the bikes off the porch, painting trim, even cleaning up a pile of leaves raked early fall. I think my prunings dated to 2008 ... I've noticed our neighbors are pleasantly engaged. Mr. Bullard also compared rates among smaller companies. He said that big companies, though better known, cover more homes so they actually have greater risk - something like that anyway. I suppose risk = cost. The company he recommended was one we had never heard of, but their credentials are sound, and they're approved by the state. Overall, we're getting much more for lots less. In addition to the hundreds saved with our new homeowner policy, we also walked away with better coverage ... not to mention the knowledge gained. Who knows how much we could have saved over 14 years? That's the thought that really gives me nightmares. Now, Don Bullard Insurance is shopping our car insurance around. Don and another agent so far have cut more than a thousand from our total insurance bills. Lately, I've found other independents like Don -- they've saved me money and headaches... American Tool, Music and More, Fresh Produce Stand ... They don't always have everything that's all about convenience. Still, somebody's able to make decisions without calling corporate, they call back and they're not afraid to say: I don't know. There's more I like: somebody almost always answers the phone.view less
Don Bullard saved us about $400 on our homeowners insurance after our former company stuck us with a huge premium and then cancelled the policy. He's an independent agent so he could shop the policy around -- we've had homeowners insurance for almost 15 years and we didn't k...morenow we had any options. I think alot of people are like us and believe that car and home insurance rates are standardized or regulated by the state. We found out that we actually have CHOICES and that there ARE companies that are willing to insure 'coastal' homes without those ridiculous rates. Now our coverage is better with this new company. We did need to make some property improvements though, but Mr. Bullard gave us a basic list. These were minor things like painting some trim and raking leaves, stuff we should have done last year! So the agency gets a plus on customer service or maybe education, to boot. He spent a lot of time with my husband and me going over the policies and our choices. It was surprising in the level of service we've sadly become used to (and even more surporising in how ignorant we were) - I'd almost forgotten that this is the way we did business just five or 10 years ago -- face to face. Who knows how much we could have saved over 14 years? That's the thought that gives me nightmares. Based on this, I asked Don to review our car insurance and some other policies and last week I got the news. Altogether, this local insurance agency has cut more than a thousand from our usual insurance bills and premiums and without steering us to any second-rate providers. The providers have very good credentials and all of them are approved by the state. PS. Don's staff returns calls and he does too. When you call, somebody really does answer the phone. Annie Rhoades view less
Great place to do business. They treat you like family and certificates are issued promptly. Home rates are very reasonable and they have a monthly pay plan up to 10 payments. They can write a vacant building, vacant mobile homes and provide liability up to a 1,000,000 cov...moreerage. Boat rates are priced reasonable. They have an ultra preferred rate on auto insurance which is one of the better rates on auto insurance in North Carolina. High value homes from 500,000 to 10,000,000 is no problem. The rate is affordable and tailored to suit your needs. 10 monthly payments is available. Commercial vehicles have good rates. If you try Cross Roads, you will be pleased. EHview less
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.