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By: M L.
State Farm Insurance
I probably would have given this agent a one star rating, but since I never actually met the man or talked to anyone in his office for more than 45 seconds, I feel like I might be just a little too biased. That being said, after I was blindsided and my car completely totaled, I went to my insurance agent to try and get things settled. Wells Wheeler's office did not handle a single thing for me. I was continuously transferred to national lines and had to go through the whole story four or five times with different people trying to get to the right person, just to have to go through the whole process again if I needed to talk to someone on a different day. I was given a faulty fax line, twice, to send my medical expenses to, and because of it my medical bills have yet to be paid in full. It took State Farm more than two months to send a check to the bank to cover the cost of the totaled car (which was less than a year old with 5,000 miles on it.) We had third party collectors calling us threatening to take action to recover the money. And every time I called Wells Wheeler's office I was just transferred to some national line and never received any information on my claim. We've cancelled our policy with them (although they seem to think we haven't and continue to send us junk) and we will not be back.
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By: Ben A.
Rachel Moscaritolo State Farm Agency
I recently retired and i was looking to combine my insurance policies to save money. I researched a few agencies and I found this office to be the most helpful. I found Ms. Moscaritolo to be very knowledgeable in all areas and her staff were really sincere in comparing my policies and finding ways for me to save money. In the end, I was able to save more than $600 a year. I would recommend this agency to anyone who wants to get the most out of their insurance and save money doing so.
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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