Lincoln Heritage Insurance in Richmond, VA with Reviews -
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By: Nancy K.
Anthem Blue Cross and Blue Shield
Anthem is definitely more concerned with their bottom line than my health. My initial dealings were with CareMore, where they wanted to switch up some of my prescriptions. They were annoyed when I said I wanted to check with my primary care physician and never sent the promised report to my doctor. The changes they wanted to make would have been detrimental to my health.My doctor submitted twice a pre-authorization to see a specialist. It has been two months and despite many phone calls they have yet to make a decision.I have been having problems. My pulse ox levels have stayed in the 80's. I have been gasping for air. My primary care physician wanted me to immediately be placed on oxygen. After seven days, Anthem is still trying to decide on an approval.I would recommend this insurance to no one.
By: tiffanythoughts
Steve Dowdy - State Farm Insurance Agent
Horrible customer service! I have been a customer for years with Steve Dowdy. Things were working well as long as I did not need actual assistance from his office. I moved. I called into his office to provide my change of address, add a new vehicle, and obtain my adjusted bill. I paid in full and though everything was taken care of insurance wise for the next 6 months. Two months later, I find out that they are still sending mail to my old address. They changed my coverage on the vehicle I just added to full (max) coverage, when I requested basic liability. And the price they quoted me, that I paid in full, did not cover the new vehicle. Not only did they choose the coverage on my vehicle without my permission, but the only notification of this change was sent to my old address, not the new one that was on file. And to top it off, they should have informed me that I should have contacted a new agent in the state where I moved, because my rates would have to be adjusted anyways. Finally, to add more insult to injury, when I called into Steve Dowdy's office to determine how things went so wrong, his staff could not understand why I was upset as if nothing was wrong or out of the norm by changing my coverage and notifying an old address of the change. And Steve himself, was extremely rude on the phone and warned me not to speak out of turn! Last time I checked, I did not need permission to speak in a conversation. You would think that after messing up my account so horribly that Steve Dowdy himself could at least pretend to have some customer service skills or even apologize.
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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