Mullins Insurance Locations & Hours Near Huntsville, AL -
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By: Kristin C.
Bill Grimes - State Farm Insurance Agent
Bill Grimes has been a friend of my late husband's family for many years as they grew up together and his family has been present for weddings and funerals, but not there or anywhere to be found when my husband died at age 64. My husband's family contacted him within minutes of his death, and I was told the life insurance policy that had been me as beneficiary for over 18 years of marriage was being challenged by my husband's grown son (my husband left another smaller policy for son). My policy should have been honored but was not. My step son sued me for possession of my husband's body and threatened to have me arrested if I showed up at the funeral. Speechless, I filed suit in federal court for the life insurance policy with me as beneficiary to be paid. In the meantime I had a graveside service. I hired a dove release with thoughts of a soul not being something to fight over "possession of" while allowing my step son to do the funeral contrary to my husband's wishes, including not having a police escort to show respect, not having a closed casket so the grandkids could see their grandfather. My husband was very upset for not being included in their lives - and last Father's Day before his death, very angry for not getting a call. The florist called me to say the stepson called to pay for the casket flower arrangement that I had ordered and, since he was paying (thanks to connections to Bill Crimes), the florist apologized to me that he was having to put the stepson's name on the flowers I ordered. After over a year in federal court, just to go on with my life, I settled the case in my favor, but with attorney fees and funds not available when I need "State Farm - the good neighbor". State Farm was not there. Bill Grimes should have been sued for professional malpractice except I was too much in shock to put myself through that at the time. He put his greedy family connections before contract law regarding the life insurance, and did not even offer condolences.
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By: Liliya S.
River Tree Insurance Services Inc
I was purchasing multiple units in Huntsville, AL and was in needed of insurance. I came across so many unprofessional insurance Agents who do not return calls or emails, and when they do it takes them days to reply. They have totally different approach to business then in California, no one in hurry, everyone has time. And then I found Kim King at River Tree Insurance Services, Inc. After 3 weeks of disappointment Kim was a fresh breath of air! She delivered great service and at the decent price. Thank you so much Kim!!! I already told my clients about you, and as soon they ready to buy investments in Alabama, they will contact you directly. Thank you again for all your hard work on my properties, I know it was not easy, but you delivered!!!
By: Trent P.
River Tree Insurance Services Inc
We have had a policy with River Tree Insurance Services for many years. They always put the customer first, no complaints here.
By: Anna C.
River Tree Insurance Services Inc
At River Tree Insurance Services they get you the personalized service you need. They inform with any updates you need.
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By: Susan B.
Allstate Insurance Agent: Ross Brewer
Professional interaction with all of the staff. When my son totaled his truck, they were quick to handle the claim and made the whole process easy. Insurance claims can be confusing, but they handled things smoothly and helped me with clear instructions on what I needed to handle and how.
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By: T M.
Northwestern Mutual
I had the pleasure of meeting with Andrew Boyd and he has been such a tremendous help. He has helped me align my long term goals with my current financial situation and has always been very professional and courteous. I would highly recommend him to anyone looking for financial advice, life insurance or if you're not sure what you need like I was.
By: William C.
River Tree Insurance Services Inc
River Tree Insurance is always quick to get back to me whenever I have any questions or concerns, they are the best.
By: Allie K.
River Tree Insurance Services Inc
Very professional and friendly with knowledge and experience. I highly recommend them, they will take care of all your insurance needs.
By: Tiff R.
River Tree Insurance Services Inc
They are a wonderful group of people at River Tree Insurance. They have always been so helpful, they are great at what they do.
By: Jennifer B.
River Tree Insurance Services Inc
I have recommended River Tree Insurance to multiple family members and friends. They have done a wonderful job for me in the past and their work speak for it self.
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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