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…
124 Winfield StWeber City, VA 24290
From Business: I am a Lee County native and graduate of Pennington High School, class of 1989. I am an alumnus of the University of Virginia, Milligan College, Missouri State Un…
837 N Hall Of Fame DrKnoxville, TN 37917
From Business: EDGE - Experience, 95 years insuring Tennessee - Dedication, Personal service to each policy holder - Growth, Stable premiums with steady growth - Excellence, Str…
3214 Tazewell PikeKnoxville, TN 37918
From Business: Crossroads Insurance Agency is your best choice when it comes to insurance coverage you can rely on. Our family-owned and operated company began in 1978, and in 1…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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My wife and I have been with Jerry Monkus State Farm Insurance since we moved to Knoxville, TN in 2009. I finally got to speak to Jerry for the first time today (2014) in the form of a complaint. Our homeowners insurance was recently dropped by State Farm due to bad advice that we received from one of the associates who work under Jerry, Elonda. I always considered Elonda the Insurance Agent, since I only spoke to her and I never actually got to speak to Jerry. Though Elonda has always been pleasant enough (if not a bit pushy about getting life insurance) earlier this year she suggested that we go ahead and file a claim for our roof before we even had roofers come look at the damage. We had a slight leak and I knew State Farm could recommend some trustworthy roofers. Well, the roofers came out, did an easy patch job--problem solved. I called Elonda immediately, told her it was an easy fix, and asked her to cancel the roof claim. End of story, right? Not quite. Months later we got a letter in the mail informing us that they were dropping us at the end of the month, due to the fact that we had made 2 claims on our home within 2 years. Even though we have a perfect pay history and great credit, they dropped us. Aside from the fact that being dropped for using the insurance you're PAYING FOR is ridiculous, what really bothers me is that it was the advice I received from Elonda to make the claim prematurely that was the reason we were being dropped. And no money was even paid to us in that claim. Elonda and Jerry both agreed that the advice was bad, but that there was simply nothing they could do. I will be finding new insurance and I will be taking our car insurance elsewhere as well. I will recommend to everyone I know to avoid State Farm Insurance.
Renee is very passionate about helping people and doing all she can to properly insure her clients and help them save money, she is very professional and friendly as well, she tried her best to get me the lowest rates possible with the best plan available, she answered all my questions about the current bill and explained to me all types of benefits and deductibles that I never understood before, she saved me half what I was paying before on my auto insurance and put me on the proper plan, she advised me how to completely protect my properties with the lowest cost possible, she also gave me booklets that explains different types of home and auto insurance in detail and simple way, I learned a lot about the insurance world from her, am completely satisfied and I would recommend her to all my family and friends.
I have been a customer of Lonnie Jones Allstate Agency for more than 20 years. He and his staff has always been honest and very professional. As I read one person complaint about rates, it seems he has endured some problems. Many insurance agencies will lower a rate to get you in the door, but it will soon change after a few payments and then the true rates come back home. I also want an Agency that has been in business for a duration period that proves it has been successful and honesty is a huge factor I believe that keeps an agencies doors open. I would highly recommend Lonnie Jones agency for all your family needs. "A Happy Customer"
My wife & I had multiple policies with Todd from 1994 to 2009 when we moved away. The service was always excellent. When I was in an auto accident i 2007 I called Todd's voicemail from the accident scene. Todd immediately got in his car at 11pm, went to our home and picked up my wife and brought her to the scene and then took both of us to the ER. He waited while I was seen and treated then drove us both home at 1:30am. The following morning he had a rental car delivered to our home at 9am. I have absolutely no hesitation in recommending Todd and his agency.
I have been a customer of Laura Ash State Farm for three years and the service has been perfect. I have had two major claims during that period and both were handled with the utmost professionalism. Laura in particular spent alot of time on both clas answering all my questions and making sure my repairs were accomplished to my satisfaction. If you are seeking Cadilliac level service and coverage at a very competitive rate, I give Laura Ash State Farm my highest recommendation.
We have been insured with Keith and Allstate for 25 years. He wrote our Auto, Home, Boat, Umbrella & Life polices. Keith has always been cordial and takes the time to explain things in terms I can understand. I am always amazed when Keith, or one of his girls, call me to talk about saving money on our premiums...kinda unique when everyone else just wants more of our money! I recommend Keith and his great service to everyone I know.
Laura and the good folks in her office have really gone out of their way to be helpful. Laura even spent time on the phone with the escrow dept of my mortgage company helping to straighten out a mess made by my previous insurance company/agents. Calling the office gets immediate answers to any questions I may have but really, I usually don't have many because they take care of everything so efficiently. I highly recommend Laura Ash.
Don't insure anywhere else but with Keith Schneider's Allstate Agency. In these times you can't afford anything but having the best taking care of your hard-earned assets. I've been with Allstate over the past 20 years and will never go anywhere else. I sleep soundly at night knowing Keith has my back when in comes to insurance. Thanks Keith!
The Lonnie Jones Agency has been great ever since the day i started with Allstate. The staff is extremely nice and they respect me as a customer. I would highly recommend them to anybody looking for insurance. The customer service and price keeps me me leaving.
I have been a customer of Lonnie Jones Allstate Agency for several years. Everyone that I've dealt with has been very helpful. As I've made improvements to my house, my rate has actually gone down. I would recommend them to anyone.
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.