What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
508 Fulton StDurham, NC 27705
As a veteran I wish I could write an awesome review but I cant. This VA is run by people who seem to care less about veterans and more about warming…
300 W Morgan St Suite 700Durham, NC 27701
1824 Hillandale RdDurham, NC 27705
3040 Hammond Business Pl Suite 105Raleigh, NC 27603
625 New Bern AveRaleigh, NC 27601
Just called 11/5/2018 @ 11:06 AM. I was told they do not take furniture donations. Just an FYI for any person thinking they may donate large furni…
3305 Sungate BlvdRaleigh, NC 27610
501 Rock Quarry RdRaleigh, NC 27610
In the event of a disaster that affects your home and property, what are your options?
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Not thrilled with the service I received. I try to be as understanding as possible on the phone when I have complaints with a company, but Tyra was not helpful at all.First, the things I will concede: I registered for a course through Insurance Educators with some knowledge that the course would expire in 30 days. I acknowledge that this was discussed in the introductory video for the course. Unfortunately, life sometimes gets in the way. Even more unfortunately, this company (whose employees consist solely of the director, Victor, and his wife, Tyra), is wholeheartedly unsympathetic to that.I sent two messages by way of email and the online contact applet, neither of which received a response, prompting my phone call. On the first contact attempt, I still had a couple days left in my course, on the second, I'd already expired, as of this phone call and review, it's been 10 days since the course expired.I called requesting and extension or reinstatement of the course only to told under no uncertain terms that I would not be helped. At all. No discount, no extension, no advice, no coupon--nothing.So now I've paid $240 for something I absolutely did NOT receive.
From: Jessica Blanding2 hours agoFrom: Marty LindseyTo: Jessica Blanding1 hour agoHuh? Sent from my iPhone
I hands down have never been happier with an insurance company then I am with State Farm. The customer service is completely amazing and I have never had better service ANYWHERE than with the associates at the Charlotte Weaver State Farm Agency. There is a wide selection of plans with even more personalized individualism within each plan. I was attended by the Customer Service Manager, Armante, whom went above and beyond to assist me with my needs. Armante helped me decide which plans with what coverages would be the best for me and in my price ranges. I would highly recommend them to anyone in the market for insurance!
The saying "Like a good neighbor, State Farm is there." is one hundred percent accurate. I have been with State Farm for a few years now, and I have absolutely no complaints about them. I feel like the people in my agent's office are family. I can trust them to get the best policy to fit my needs. They are reasonably priced, are helpful and patient, and have great agents. My main thing is the excellent customer service I have received. Armante has always answered my questions and explained everything in words I could understand. He will tell me if there are any discounts available. The customer service is great! I would recommend State Farm to anyone in general who wants dependable and affordable auto insurance.
Worst experience EVER! If you have any other options outside of the V.A. system in N. Carolina take it! My story is quite long but I am going to condense it to a few lines. When I went to the women's clinic for a problem they sent in two girls (one was supposedly a doctor who looked like she was still in high school the other was an intern or something and looked the same - in high school) and sadly their answers were the same. After telling of my problem they said (and this is a direct quote) "We usually just tell people like you to wait it out." Wait it out? That would be until my death which likely would have occurred far sooner than it should have with these uneducated, uncaring, supposed medical personnel. I have never heard such an answer in my life. I did not go back for a couple of months. When I finally decided I still had to do something to resolve this I called for an appointment and demanded to see the head of the clinic. A little more help but very, very little. I had to do ALL of the research for my own treatment. After more than three years I finally received care, however I had filed a TORT claim against them for their gross negligence and despicable lack of professionalism so they, by law, had to refer me out to a civilian hospital for treatment. Thank the heavens for that because I did not want them doing anything to or for me. Amy Skiff and Joan Galbraith were two of the worst - such horrible treatment, and they're women, so they should understand problems women face. If I could give a negative rating to this facility for everything, I would. None of it was good and I am quite happy to not have to deal with them ever again.Lee
The NP I had did not allow refills for my BP meds even though I told her I would be traveling out of state. Ran out while I was gone...trying to make an appointment. First individual was extremely nice and helpful. She forwarded my call to the proper clinic. Person on other end kept saying they couldn't hear me and hung up. Called back...this time when I was forwarded to the clinic it ran 30 times before I was hung up on. I am an RN...if I allowed the phone to ring like that I'd get fired. Guess I'll have to go up there on my day off and make a scene to get my meds before I have a stroke. Wish just once they would get treated like they treat the vets.
We began a business insurance policy in Sept. 2015 with the previous insurance agent. We received a confirmation of our premium and monthly payments and everything was in order. In December, a copy of our policy arrived in the mail dated late November, along with a bill stating that our premium had increased from $512/yr to $1,039/yr - which was far above any of the quotes or past polices we've had. We called the office only to discover that our original agent retired and this new agent had rewritten our policy because the original quote was "incorrect." We cancelled our policy and received confirmation, but six months later we continue to receive bills of past due amounts to cover the "difference." This business is HIGHLY incompetent and State Farm should be ashamed of themselves. We are now with another insurance company and very happy with our service and communication. STAY AWAY!
As a veteran I wish I could write an awesome review but I cant. This VA is run by people who seem to care less about veterans and more about warming seats and collecting a goverment check. The doctors are fine but intake staff are lame. They run in the same ethnic circles and make their money off veterans and would rather chit chat then do their jobs. But then its Durham NC. What else would you expect where you have the rich and the very poor. For the most part they are friendly but in this town everything works at a snails pace. Hopefully you wont lapse into a coma while waiting
AVOID this office at all costs--they are only concerned about one thing--collecting your premiums--Customer Service is NON-Existenet!!!!!! Agent never returned ANY calls after numerous messages left needing immediate help!!! Makes me wonder how involved they are in their business. Had to handle my SF claim all by myself. Lots of S Farm options in Durham--I would not choose this one!!!
I was stressed out and they calmed me down by taking the time to help me through my individual situation. I've told everyone they should give the agency a call!!
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.