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In the event of a disaster that affects your home and property, what are your options?
3920 Battleground Ave Ste 108Greensboro, NC 27410
From Business: Edward Jones is an investment firm that believes your financial goals deserve a face to face conversation. We can help you prepare for retirement, save for educat…
3920 Battleground AveGreensboro, NC 27410
2709 Pinedale Rd Ste DGreensboro, NC 27408
In the event of a disaster that affects your home and property, what are your options?
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As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
I have been a customer of Charlie Ganim’s State Farm agency since I moved to Greensboro in 2006. I have been a State Farm client all my life, but was looking to find a local agent upon my move to North Carolina. Charlie’s office came highly recommended to me from my real estate agent. Being new to the area, I was glad to have a recommendation and immediately set an appointment. While my experience overall with State Farm has always been one of great customer service, I have never had an experience before like the one I’ve had with Charlie’s office. This is a team who knows how to deliver exceptional customer service! I’ve gotten to know everyone in the office by name and truly feel taken care of every time I call or stop in. What sets Charlie’s team apart more than anything, though, is their fantastic follow-up. I receive regular communication from their office, including special notes on my birthday and when they haven’t heard from me in a while. Another fantastic feature of this office that sets it apart from others is their willingness to do a free annual review with you. It’s so nice to know that I can spend time with my agent to review my insurance and be assured that my coverage is always current with my changing situation. Recently, after a review, we were able to increase our coverage and save money on our monthly premiums! I love knowing that I’m paying competitive rates for my insurance, but unlike with other companies, I can be confident that State Farm will be around to pay on those policies should I ever need them. Can you say the same about other companies? I wouldn’t work with any other insurance company, and if you’re looking for the best agent in Greensboro, you have to call Charlie and his team. You won’t regret it!
My case involved separation, divorce, child custody, child support, alimony and equitable distribution. A Greensboro attorney highly recommended Carolyn Woodruff at Woodruff Family Law Group. I ended up meeting Family Law Specialist, Jessica Bullock, and from the start I really enjoyed the business relationship – the best words to describe Jessica - an intelligent and caring professional. I did not feel like she would just push around some papers for me. With all that was involved in my case, I needed someone who would be professional and effective in court while also being able to communicate with me at a human to human level. The staff members at Woodruff Family Law Group were polite, made sure that I was comfortable and continuously communicated what I could expect in all situations that arose.Any parent who wants someone to take the time to relate to them on a human level, understand the North Carolina law and how it applies to their own situation with effective and skilled representation should consider contacting Woodruff Family Law Group. Jessica Bullock was the right attorney for me. I knew I wanted to be an involved Dad with my children but felt there were a lot of variables to work through, and Woodruff Family Law Group has been a wise investment in that future and the future of my children, when dealing with divorce and child custody.
I can't not say enough wonderful things about Mr Roane and his staff. In June of 2008, I was rear ended while sitting at a stoplight ; after a week of dealing with cynical insurance persons I sought legal help. Of course, I chose a well known and widely advised legal firm that I thought would "STAND UP FOR YOU". Little did I know until just months before my witching hour (meaning my filing dead line) that they will only "STAND UP FOR YOU" if your case is easy, cut and dry. My case was not going to be "easy", so they dropped me. Within minutes of my husband and I sitting down in Mr. Roane's office and talking with him, I knew we were where I needed to be. He and his staff (especially Meranda) guided, advised and reassured me every step of the way. THEY BELIEVED IN ME!!! and they showed it. I learned that insurance companies were wary of facing Mr Roane in court--and they knew he WOULD meet them in court.--he's not intimidated. In my case, the insurance company was so unwilling to meet us in court, they agreed to a settlement. My settlement was unprecedented (unusual) and the insurance company insisted we all sign nondisclosure agreements. They definitely didn't want the monetary settlement disclosed. Five stars isn't enough for Roane Law, they deserve way more.
I'm Jill White-Huffman,I'm a Licensed Professional Counselor and Marriage & Family Therapist. As a former Personal Trainer and current Massage & Bodywork Therapist and Licensed Professional Counselor, I enjoy helping those with physical, emotional and relational challenges… I also enjoy working with professionals in the areas of stress management and work-life balances issues as it relates to depression, anxiety reduction, self-esteem, women's issues, career concerns, mid-life crisis, in-laws, elderly parents, burnout and a lack of quality life concerns. I also produce a local television show entitled "Staying Healthy :The Natural Way". I also a frequent guest on WFMY "The Good Morning Show". I participate in many events in the community. Call or email me to schedule YOUR session Today! 336-855-1860 via email: firstname.lastname@example.org Also visit: www.jillwhite-huffman.comLocation: 1921 D Boulevard St. Greensboro, NC 27407
I came to the firm to get a divorce and divide the marital estate. During the course of our time working together, what has impressed me the most is what Carolyn Woodruff has been able to pull from the file cabinets of her memory, regarding detailed aspects of my case. Carolyn has also been a safe haven during a time of being very concerned with my well-being. When I think of Carolyn, I would say she is intelligent, quick on her feet, a quick thinker, and very friendly and warm in times of stress and duress. She has a calming effect about her. Overall, the Woodruff Family Law Group is efficient. The staff members have all become family. They offer a family environment. I have felt I could call on anyone day or night. Communication lines are always open. With the length of time my case has taken, it would have been easy to slip to the back of the firm’s caseload. That doesn’t happen at Woodruff.
To the Paralegals: I went into the office feeling very depressed, But the paralegal's assured me that they would do everything to help me get back on the right track. They help me to get back to a very stable financial lifestyle without having to worry how i am going to afford to pay all of the bills each month. They started the paperwork right away and file my Bankruptcy claim in a timely manner so I would't have to worry about losing my home to foreclosure. And made it really affordable. They took the stress out of worrying how or when each payment will be due. Especially the first payment , which really worries me. It is the hardest because you are still struggling to pay all your other expenses along with saving up for Bankruptcy payment. I enjoyed working the paralegals they were an excellent team. Good Job! To the law office of John T. Orcutt: A very warm thank you! From: Kathy Danita Riley
my name is Lyle. I have spoken to Mr Weckworth who so far has been very helpful in assisting me with my case while taking the time to speak with me without consultation fees yet remain attentive for a long duration while we discuss the possibilities. A few of the other attorneys seemed in a hurry to just get me off the phone. He has offered me a reasonable price for his services as it seems to be a simple case. other attorneys wanted to charge much more. To me this shows a sign of honesty. so far I am very pleased with his assistance. I will of course follow up after the court date. at this point I would recommend contacting him yourself to see how he can help you as well.
No one wants to need a lawyer, but after a car wreck I did. James Roane was highly recommended to me and we chose to meet with him to review my case. After meeting him, I realized he knew what needed to be done and the way to handle it. Mr. Roane and the staff at Roane Law were very friendly and always willing to answer my questions. They treated me like a person, not a number, and that means a lot to me. My input was valued in the decisions that were made, they did not just make decisions for me. It was a true pleasure to work with such a dedicated and knowledgeable group who had my best interest at hand. I would highly recommend James Roane and Roane Law again.
Tom is a first class attorney with ethics and morals far greater that any attorney I had worked with in my business in more than 35 years. As a small business owner I look for the personal attention to details without being bill for every minute of time. I like having a relationship with Tom in that he is always looking for my best interest and looking for options that I never considered. I highly recommend him for any civil litigation matter you might have or employment contracts you might be considering. A proud UNC Chapel Hill graduate he servies the community well in his work.
I would like to thank Mr. Carpenter and his entire legal team. My close family friend was charged with serious federal charges and facing a mandatory 10 year prison sentence. Alec kept us informed throughout the entire process and made us feel very comfortable from the beginning to the end. The co-defendant ended up receiving 5 years and my friend received federal probation. This was a very difficult case for all of us and Alec and his office were amazing. I cannot thank Alec enough and I highly recommend this firm. They truly are the best. Thank you!
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.