Health Insurance Services Inc in Fall River, MA with Reviews -
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By: Pam D.
Viveiros Insurance Agency
Not recommended. Viveiros Insurance has underwritten my car insurance for about 10 years. I was in a minor accident 6 years ago but have not put any claims in with the exception of windshield repair/replacement upon occasion. Ten days before my annual renewal this year, I received a letter from Viveiros saying that they were not going to renew my insurance due to "losses" (supposedly the original letter was sent 45 days before, but curiously, I never received). When I called to inquire to which "losses" they were referring the agent said "It's really a combination of things." Really? Name one. Actually, it turned out they did me a favor. Upon contacting my home owner's insurance agent, they reduced my premium by $1200. Apparently, Viveiros has been using the incorrect territory rate for my car these past 10 years even though my address and town appears on the insurance statement. My nest stop is the BBB and MA Attorney General! Stay clear of this business!
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By: Jeff C.
Viveiros Insurance Agency
It's been ok so far i don't have anything to complain about at this point just how to make my payment online
By: Dan A.
Viveiros Insurance Agency
We purchased a home and they gave us a quote and we went with them. 3 weeks later we get a bill because they appraised our home 110 thousand more than the appraiser that we used to get the loan and comps in the area. when we called them they basically did nothing and said to bad thats what the insurance company valued your home at. They really need a reality check. They take advantage of the people in Fall River because they speak Portuguese
By: jonathantq
Viveiros Insurance Agency
I totally agreed with other review. This agency has really bad service. The price is very high, bad customer service ever. They pretend to not understand what you are saying. All is your faults even though they did it. I luckily switched to other insurance company that saving me a lot of money and the new agent helped me a lot. Not recommend you to this company.
By: hunniexo0x
Viveiros Insurance Agency
This has to be one of the worst insurance companies I ever had to deal with. I have my car under their insurance for over 3 years and every month it was a hassle, something different changed on my policy, my insurance would go up. I would make a payment on time and still recieve a cancellation notice saying I haven t paid my pill which I did. My insurance would go up for NO reason, I never got into a car accident and have a perfect rating, I wasn t changing cars, I had the same car on that policy for 3 years. They act like they don t understand you when you re talking to them. They don t try to help you out, instead they ll call you wrong and say they never said/sent papers that they indeed did and were in my hands at the time of the phone call. Going down to the office is even worse. I m so glad I switch to Geico, the commerical is right because I did safe a TON of money by switching to Geico. If you need car insurance, Geico is the way to go, they re easy to deal with, they don t keep changing your policy or making your payment higher and higher and they don t send you letters in the mail every month. I never once got a cancellation notice with Geico, why? Because I pay my bills on TIME, or before they are even due! Viveiros is just out there for the money, they don t care about you. My boyfriend has Viveiros insurance for 3 of his cars and they do the same exact thing to him that they did to me. He s switching to Geico as well because we re tired of the games Viveiros plays and the RUDE people that work there.
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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