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By: Glen K.
Raymond James - Stephen Chappell, MSFS, CFS Financial Advisor
Stephen has handled my investments for many years now. Honest, Hard Working, Ethical, Trustworthy, Customer Focused, Knowledgeable, Experienced, are just a few words I would use to describe him. What every your need or goal Stephen can help you get there. I have never met anyone with his understanding of the industry or dedication to his clients. He took the time to educate and teach me how to be successful financially.
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By: Erik G.
North State Acceptance
The people at North State Acceptance have been great! They work with you on your payments if there are issues. The only drawback to them is payments--if you make payments by credit card (I have to because I'm out of town), there is an additional 'convenience fee'.
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By: Bob R.
NC DUI Insurance
I often need to take drugs prescribed by my physician for neurotic problems and they often make me drowsy. The DUI insurance provided to me by the NC DUI Insurance kept me miles away from the legal cases.
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By: Jeff C.
Able Auto & Cycle Insurance Agency
Able Auto and Cycle Insurance had customized insurance policies ready for all sorts of cars, boats and many more. Their agents helped me pick the one that best suited my policy.
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By: Kenneth D.
Able Auto & Cycle Insurance Agency
I bought my dream bike last week and I obtained the much-needed motorcycle insurance at a surprisingly low cost. Thanks to the agents of Able Auto & Cycle Insurance.
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By: Frank M.
Able Auto & Cycle Insurance Agency
We had our commercial vehicle stolen last month. Had it not been Able Auto & Cycle, we would be in huge trouble claiming the insurance.
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By: Sam A.
Able Auto & Cycle Insurance Agency
I recently opted for a top-notch auto insurance policy from Able Auto & Cycle Insurance. I am quite impressed with their service.
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By: Martin G.
NC DUI Insurance
Previously, I had a dreadful experience when I was convicted of a DUI offense. NC DUI Insurance helped me get the right policy.
By: ryank15
State Farm Insurance
Jonathan Calhoun State Farm is great!!!!!!!! I think everyone in Wilmington should get insurance with Jonathan!
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By: Tim M.
Tim Moore - State Farm Insurance Agent
Great place to get good products and Services. Been doing business here for 20 years. Serves Hampstead well.
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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