Aflac Regional Office Locations & Hours Near Lynchburg, VA -
By: Kristina R.
Timberlake Insurance Agency
Timberlake Insurance Agency has been taking great care of all of my insurance needs or over ten years now. They are always able to provide me with clear and helpful information regarding my insurance coverage.
By: Veronica B.
Allstate Insurance: Tom Craven, Jr.
Tom Craven and his staff provide excellent customer service. I am very happy with how my policies are handled as well as the friendly and welcoming way I am greeted whenever I call or go into the office.
By: Wes K.
Timberlake Insurance Agency
I have referred quite a few people to Timberlake Insurance Agency over the years and they've always switched. Timberlake has been the best for me, with the best rates for comparable service anywhere.
By: James P.
Timberlake Insurance Agency
We've been working with Timberlake Insurance for a while, and we love it. Their communication is great, and I can surely trust in them to let me know when there is better coverage out there.
By: Mia H.
Hedges Insurance Agency
The staff at Hedges goes out of their way to make it happen. Someone is always there to answer all my questions and they're always looking to find the best policy to fit all of your needs.
By: Jane H.
Timberlake Insurance Agency
Wendy and Mick are absolutely wonderful! I've been dealing with them for decades, and I've never had an issue with them. I've had to make a claim before, and they were very efficient.
By: Joe K.
Timberlake Insurance Agency
Mick and Wendy have always been good about helping us find better deals for our coverage plans. I've been so pleased with they level of service they have been able to provide us.
By: Tasha G.
Timberlake Insurance Agency
I love coming to Timberlake Insurance, I've been a client here for longer than I can even remember. They explain things in such a clear concise way for me. They are awesome!
By: Tommy D.
Allstate Insurance: Tom Craven, Jr.
Tom Craven and his team are great. They are incredibly helpful, answer all of my policy questions, and they have really good rates. I absolutely recommend them.
By: Trey K.
Nationwide Insurance
I've been a client at Cothran Insurance for the last 8 or 9 years. The best thing about this insurance agency is that they're very easy to work with.
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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