What to Know About: Insurance »
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3210 Prosperity Church Rd Ste 201Charlotte, NC 28269
From Business: As a Personal Financial Representative in Charlotte, I know many local families. My knowledge and understanding of the people in this community help me provide cu…
4523 Park Rd Ste 106Charlotte, NC 28209
Not usually the one to give one star reviews nor write any reviews at all but we tried to cancel our plan for months since our extra car has an expi…
4023 Brookshire BlvdCharlotte, NC 28216
From Business: Visit your Charlotte Direct Auto & Life Insurance for affordable auto insurance, motorcycle insurance, and term life insurance. At Direct, we work with you to hel…
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very profetional and a lot of knowladgegreat customer service and caringgreat location make you feel like family
AMAZING IN SO MANY WAYS. Very helpful and informed. Market Place and Medicare Plans. They will guide you in the right direction when you are not sure what you need. Healthcare is very confusing .
Not usually the one to give one star reviews nor write any reviews at all but we tried to cancel our plan for months since our extra car has an expired registration and they kept telling my mother, who does not speak much English, that we could not. Turns out all we have to do was cancel auto-pay and it will cancel automatically. Very deceiving.
This company is ALWAYS advertising jobs: but under different names. That's misleading & uncomfortable. I did my research first and Cook's LinkIn photo was enough to make me not want to attend; something about hard cold faces that do not represent "quality customer service". But I went trying to be open minded. It was longer than needed to be and already misrepresented as I thought I had an individual interview appointment not a mass group meeting. There is a fine line of boasting about one's accomplishments and a business' growth. They rushed through the maze of steps to do, yet never seem to understand that I had already accomplished most of the steps on my own. They do offer to help you, guide you, & even discount the costs to obtain your necessary Insurance licenses in order to work for them. Their ad leads you to think you are getting a salaried position, but it all boiled down to quotas, OVER 40HR week irregularly accountability, provide own equipment, following their direction to commission income. When it got to meeting Mr. Cook personally for second interview, I was extremely bothered by his "judgment or sizing me up" that I may "not be able to work with the type of people they are familiar with in his industry". I couldn't figure out if it was racist or financial-pride; it made me uncomfortable. As I waited going through the motions I watched the people contact of the workers, by their attitudes and stone cold faces, I knew if I pressed in past all the warning signs I would be degrading myself to allow that sort of treatment towards me. How can you serve the public if you pride-fully want others to serve you? Customer Service or selling by commissions takes a great deal of honesty with self and others. I don't mean to degrade as he degraded me, and I sure hope that my honesty will help Mr. Cook and his endeavor & warn others to have their eyes wide opened if they choose to pursue occupation with his company, whatever the real name is! What's he hiding?
Jeremy Fulkerson has been my State Farm Agent for several years! I find him and his team very responsive to all of my insurance needs. Extremely professional, proactive and a pleasure to work with. I highly recommend them!
This Pegram saved me over $600.00 on my homeowners and auto insurance. When my wife called Wellsfargo to cancel our other policy they asked her why. When she told them that we saved $600.00 the agent on the phone just went silent! *Laugh* Then she thanked us for our business and canceled the policy.
After previously having billing issues with Nationwide I decided that I should look for a new insurance agency. I emailed Jeremy Fulkerson and requested a quote on auto insurance and gave him all of my information in my initial email.. I told him what tickets and what traffic violations I had including the dates for each event. Jeremy emailed me back with a quote of $64.79 a month. The policy and the price sounded like it would be a good fit and after receiving a printed quote in the mail and an email quote online I agreed to sign up with Statefarm and have Jeremy as my new insurance agent. I was informed that I would need to pay for the first two months up front to get the coverage started so I payed $120 for coverage for the first two months. After receiving multiple quotes for $64 a month and paying for the first two months of coverage, Jeremy sent me an email informing me that he had neglected to read my initial email thoroughly or properly investigate my driving history prior to having pay for my first two months of coverage and my monthly rate would now go up to $118.69 per month due to a traffic violation he had overlooked. I immediately told him that would not be acceptable and he informed me I could reinstate with Nationwide without any charges being made. After previously having billing disputes and leaving Nationwide in search of better customer service, Jeremy’s suggestion was not an option for me. I immediately began searching for a new agent and after three weeks of being in contact with multiple agents I signed and paid for auto coverage with The Hartford. The day I signed my coverage I emailed Jeremy to have him immediately cancel my coverage with StateFarm and refund the remaining balance of my prepaid two months worth of coverage. The refund check I received was only for $14 which would reflect the monthly rate of $118 not the $64 a month I agreed and paid for. I want StateFarm to refund the unused balance of the two months I paid for prior to Jeremy informing me of his mistake at $64 a month. My refund check should be between $75 and $80, not $14 and I will not accept anything less. I was completely honest about my driving history and I shouldn’t be charged for more than I agreed because of Jeremy’s incompetence in running a proper insurance quote when given all of the necessary information. 3/15/11 - I have since been in contact with the BBB, NCDOI and StateFarms Customer Service Dept. I have relayed the above complaint and StateFarm has since agreed to reimburse me the money I was owed. Before going to any agency or writing any reviews I had emailed Jeremy first to explain my position and give him the opportunity to correct it himself. His response was not helpful thus forcing me to seek a resolve through the use of the BBB, NCDOI and StateFarm. If he had taken the initiative to correct this mistake I would have been able to give him a three star rating, but in my case he lacked fundamental customer service skills that are necessary in dealing with the public. It is my hope that through this experience Jeremys customer service initiatives are improved for future clients
Great knowledgeable people that go the extra mile to get your business & save you money in the process.
Again, thanks for such wonderful service and amazing attitudes.Best,Kathy
I knew I needed insurance, but was overwhelmed with the idea of where to go and what I needed. Melanie was professional, patient and completely knowledgeable in all aspects insurance. I am so glad I found her and have def. recommended her to all of my friends and family! Thanks, Melanie!
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.