Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
212 N. McDowell StreetCharlotte, NC 28204
From Business: Attorney Whites 20 years of experience enable him to select cases that he personally prepares, manages and prosecutes through every stage of the litigation proces…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
Mr. Connelly represented me in a DV case in 2009. I can attest to his punctuality, professionalism, attention to detail, and his willingness to answer any and all questions via phone or email during my dealings with him. He responded to my myriad of questions usually within an hour or two... exceptional for any attorney. His office staff is courterious and professional. He is serious and diligent in handling cases. Although the DA would not budge for any type of reduced sentence, I feel he did the best he could under the circumstances. The outcome of the case was not entirely favorable to me as I had two bad options to decide upon. Looking back, I would have explained the details of "what happened" differently. I feel like I blabbered on too much by disclosing to him some personally damaging information thereby not giving him many options to deny what my ex reported to the police. He is a very scrupulous person (again, not a common trait for attorneys). Being totally honest with him was not in my best interest and feel things would have gone differently had he argued and questioned the validity and proof of my ex-wifes accusations more fervently. It was my word against hers, and sadly the judges do tend to lean more to the wife's side of the story...even without any proof. The fact that I had been punched, scatched, and kicked by my ex several times during our marriage, were never even brought before the judge. Thankfully, she and I have developed a decent rapport as the years went by. Just be cautious and prudent in what you disclose to him that could negatively affect your case. But I can tell you that things could have turned out much worse without his representation as he is a well known and respected attorney in the Charlotte area. The DA would not allow us any options for a lesser charge and she was unwilling to compromise. In my case, the sentencing resulted in a reduction to a (PJC). But even this created many personal and professional difficulties (e.g. Being refused employment on one occasion due to a background check) He's a great guy and will work hard for you, but in the end, it's the judges and the DAs who ultimately call the shots. I would still recommend him. He is honest and he takes all his cases very seriously. The 4 stars is simply because he was unable to have the case dismissed or at least reduced to a lesser offense which is obviously what people are looking for when they retain counsel. He did manage to attain a PJC for the final disposition, and I remain grateful for his efforts in doing so.
I'm not going to go into details about every single infraction that I've had. Quite frankly, there have just been too many. My driving record isn't per say the cleanest out there, but it's definitely a start to a good book, depending upon how you look at it. A few years ago (4+), I was jumping from attorney to attorney, trying to find one that would handle my tickets and such, with great professionalism and knew what they were doing. Again, my book of a record was a jumbled mess. Everyone did what they were suppose to do, and got me off the tickets on some, reduced on others, and convicted on the rest. Either way, I could never seem to get them to go the extra mile and look into getting my license back. It wasn't that they couldn't, it was cause they never tried and never took my cases seriously cause I was just another inconsiderate driver in their eyes. That's about when I met Chris, and after talking to him and listening to him express his thoughts on my case and what his capabilities were to help me out, I knew I landed in the right seat at the right time. He is easy to talk to, understands situations are different for everyone, but also more importantly cares about me and my dilemmas. He actually wanted to help me fix my past mistakes. I've had Chris as my attorney for a few years now and I have always respected what he's had to say and looked up to him. Despite me sometimes not listening to him all the time, but how else is he gonna get my business right? He's prompt in responding to my questions, concerns, inquiries, and "How are you's", even if it's been over a year since we've spoken. I've recommended every one of my friends that have had legal issues or received tickets, to Chris and I will continue to do so. This is one review I would gladly give all 5 stars for! I have no worries that he will be there to help me in the future as he has continued to do so. Hmmmm, maybe I shouldn't set myself up to expect to receive anymore future tickets..........
There is no strong lawyer in all of the Charlotte area than Attorney Chris Connelly!!! If you are trying to find the best lawyer possible to help you with a case and at a very reasonable price, look no further. After getting my 2nd DUI in 7 years, I was scared to death and determined to find the best lawyer that I can find to represent me. I went in person to interview several lawyers to determine who I felt would have the experience and knowledge to best find a way to get me out of this mess. The moment I went to see Chris Connelly, I immediately knew he was good. My case got continued several times before going to trial and every time Mr Connelly entered the courtroom, you could see the level of respect other attorneys gave him because it was very clear that he was the real deal. Chris Connelly put in countless hours of study into my personal case to gather all the facts and presented many different and creative strategies in which we could attack our case. Because of his high level of expertise, it almost seemed as if no one was brave enough to stand up against him. As a result, the state kept asking for continuences totaling nearly two years. Finally, when the day of judgement finally came, the trial took nearly no time at all and the judge made the ruling to dismiss the case. I was astonished to see how quickly Chris Connelly won our case for us. If you are looking for the best lawyer money can buy. Rest assured that Chris Connelly is THE BEST!!! If you are unsure if you can afford such a highly skilled lawyer, you would be surprised at how reasonable his rates are. If you care about your future like I did, hiring Attorney Chris Connelly will be the best decision you can make.
I checked with multiple insurance agencies before I went to Jeremy's office. As soon as I started talking to Jeremy I realized that he was a guy that I wanted to protect my wife and three children. He reiterated that he was going to be an agent in Charlotte for the next 40 years and that made me feel secure, seeing as though he could watch over my childrens insurance needs as they grow older and start families of their own. Jeremy made me feel like I was able to open up to him about my family and all of my insurance as well as banking needs. I had no clue that StateFarm had vehicle loans and that Jeremy is even able to do mortgage refinances. After my policy came into effect he called me in for another appointment to review my policies and make sure that they were received just as he had told me that they would be. SInce then my wife recently got in a car accident. The stress of being in a car accident was completley taken away by Jeremy and his staff. They were able to get us a rental car the same day, and they guaranteed the date that her car would be done, and it was (the car was even washed and vaccumed). Jeremy is a man of his word. When he tells me that he is going to do something I know that I can trust that and that he will follow-up with me and make sure that I am satisfied. I would highly recommend Jeremy to anybody that does not want to be treated like another number by there insurance agent. He truly wants to help. Thank you so much Jeremy. My family and I are with StateFarm for the rest of our lives.
Chris has done it again, 3rd time is charm. The first time I used Chris he got me off of reckless driving and speeding. I contacted him on Friday evening and got a email back from him Saturday. Monday morning he called me at like 10am and informed me the charges were dropped. 2nd - incident - Caught on hwy 77 doing 115mph in my corvette. Again charges dropped. 3rd screw up and definitely my last. I ran from the police on my street bike. Charged with Felony eluding, confiscated my bike, 133mph, failure to stop, and about 5 other tickets. I spent the night In jail and as soon as I got out I contacted Chris's office. within an hour he called me back and said to come in and talk. From there on I didn't have to do anything but show up at court. Anytime I had a question and emailed Chris I had a response within a couple of hours. In court the man is awesome, he got in front of the judge and made me sound like a medal of honor war hero (I'm a veteran). I guess it helped because when it was all said and done; my felony was reduced to a misdemeanor, speeding was dropped and the only thing I got was reckless driving. Which is very fair considering I was passing state troopers well over 150mph inches from their mirrors. One occasion I went through two of them. So I totally deserve a reckless driving charge. Last but certainly not least I got my bike back!!! woohooo!!! I can't drive it for a year but that's probably for the best. Thanks again Chris!! Here's another * for this review.
I just wanted to take a moment to "thank you all" for your support during my application period for a new residential home mortgage. To be truthful, I was skeptical that I would find an institution that would support my goal of acquiring a new mortgage at a lower interest rate plus provide cash out enabling me to achieve one of my goals of adding on to my existing workshop. I had tried several times to get approved through different lenders but only with avail because of some Texas law involving cash out. It ended up costing me time and money. I could have refinanced with my current lender (GMAC Mortgage) who I have been with for 40 years. I was disappointed with their rate and the fact I could not cash out with them. With Foundation Financial, I was not only able to get around the Texas cash out law, but was able to get approval legally because of Foundation's unique position of being able to fund their own loans. This helped a lot. Finally, Foundation Financial, as far as I'm concerned "walked the talk". They not only were able to close my loan technically within 2 weeks, but they walked me through all of my paperwork. Oh! How the government has managed to create more bureaucratic red tape since my last closing. Foundation Financial was able to connect me with one of their insurers to consolidate my insurance plans and actually save me money if you can believe that.
I applied for my CCW permit in June of 2016. I was notified in October of that same year that my permit was denied due to some information shared by my medical provider. First, the sheriff took more time than what is legally allowed to review my permit. Second, and more importantly, I was wrongfully and subjectively categorized as being ineligible to have a CCW permit based on North Carolina's mental health law. I contacted Chris Connelly and explained to him my case. I could see during our introductory meeting that he was very passionate about defending me as he had heard far too many other cases of honest, hard-working, law-abiding citizens being denied their Second Amendment rights based on the subjective thinking of Mecklenburg County's liberal activist sheriff. I followed Chris's instructions to the letter, providing him all necessary documentation and referral letters in a timely manner. By March of 2017, I was notified that Chris had won our appeal and my legal right to possess a CCW was upheld. I cannot thank Chris Connelly enough and would highly recommend anyone faced with a similar case to contact him immediately. DO NOT take this challenge on alone. You only have one chance at a CCW appeal. Make it count. Hire Chris Connelly.
If you are looking for lawyer, please take the time to at least read what I have to say about this incredible lawyer. I am almost 60 years old, have hired many attorneys, but not one that does this great of a job. He listens to what you have to say, has a courtroom demeanor that makes you feel like you are being protected and defended in the best possible manner. His fees are fair and well-deserved. He reviews all aspects and studies your case like it is the only one, although he has very many others. He is extremely intelligent and knows the law and when to apply it spontaneously and correctly. You can trust what he says and what he does. He KEEPS HIS WORD. If you google this attorney, you will find the complete experience that I had with Mr. Corby. It is worth the time to review. IT APPEARS THAT Mr. Corby has saved me about $70,000.00 in alleged estate debt. Do you know anyone else that can do that! This attorney is both great to work with and a wonderful person. He is not arrogant and condescending, but caring and attentive. Hire him quick before your opposition does. Once you hire him, you will understand why I said that!
I highly recommend Mr. Connelly. I was charged with a DUI a couple years ago and hired a different Law Firm. The case was continued for almost a year (which was fine by me) but every time I appeared for court, there was a different attorney from the firm to whom I had to explain the details of my case. I understand that I am not a high profile politician or celebrity but I felt as if they could not have cared less about my situation. About a year later, I was pulled over and arrested for DWLR and decided to hire Mr. Connelly based on a few recommendations from others who had similar situations. When you hire Chris, you will deal with Chris. I much prefer this approach and felt as if he gave a damn about me and my situation. This was a pretty serious situation considering the DWLR was a result of a DUI charge and jail time was a real possibility. Ultimately Mr. Connelly, was able to get the charge completely dismissed. This could have had a major impact on my career (especially if it resulted in any jail time) and I could not be more appreciative of the job that Mr. Connelly did.
Jack English and his staff specifically Jan and Randal are the epitome of the commercial "Like a Good Neighbor State Farm Is There". No matter what I need his staff is always there to help me. I have called during their non working hours or emailed them and they always got back to me within 24 hours. Even during their working hours they are always there to assist me with various questions that I have and always share with me any options that I could benefit from. I have been a customer of State Farm for over 10 years at a different location and joined Jack English location 2 years ago. Switching over to Jack English and his team is the BEST decision I could have made. They are the definition of Customer Service and provide true Southern Hospitality. I would recommend them to any and everyone. If you are looking for great service and want to know your are getting great value for you money go to Jack English and his team they will treat you like you are part of the family.
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.