By: Anne H.
Mark Doyle - State Farm Insurance Agent
While my interactions with Mark have been friendly and professional, I find the service to be lacking. I average over 60 hours per work week. When asked to come in to "review my policies," I thought it was a nice idea but an unnecessary task, as nothing had changed in my life to impact my policies. After insistence from the Mark Doyle office, I agreed to arrange the meeting. At the meeting, my policies were indeed reviewed. Mark assured me that he would get me the most coverage for what I was paying (renters insurance has a minimum yearly fee). That was a considerate thing for him to do. However, in adjusting the renters insurance, he unknowingly increased my policy above the minimum fee. I found this out later when I received a bill for the balance due (I had already paid the year coverage in full months earlier). Trying to rectify this situation has been difficult to say the least. After speaking to Ally on the phone, I have been told that my coverage has been adjusted back to the amount I had paid for, but I am still responsible for some amount of the recent unfounded bill. She said that she would not know how much until she spoke with a different department, and I would find out in anywhere from 4 to 45 days. That bears repeating: It may be 45 additional days before this is resolved. This is for a mistake made by Mark Doyle during a meeting I hadn't wanted in the first place. Needless to say, this has been a frustrating situation. When I have some spare time (more spare time than it takes to write a review online), I will look for insurance elsewhere.
Tips & Advices
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.
Yes. 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 easy. Potential customers can often get free quotes online very quickly.
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.
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.
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 to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also 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.

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