Blue Cross Blue Shield Locations & Hours Near Baltimore, MD -

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By: Jason P.
Charles Connolly - Farmers Insurance
Chuck Connolly is a “go-to” resource for new business owners! He has the patience and experience to walk you through all of your coverage needs. He is also my first call for hard to place policies, like vacant houses.
By: bernard.long2
John Basmajian Insurance
John and Brendan are the nicest and most knowledgeable Medicare experts I know. Their expertise and genuine concern about the client earns them my wholehearted endorsement. Bernard Long/Investment Advisor
By: Kris J.
Melissa Garland: Allstate Insurance
They are so much help and will do anything to help you in your time of need. They saved me so much money when I bundled my home and auto and boat.
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By: Ed Y.
Senate Select Insurance
Ricky and Erica are great to work with and treat me with respect.
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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