How to Get the Best Life Insurance Quotes »
Life insurance is often a necessity for families. However, finding the best life insurance quote can be challenging. Learn a few s…
Life insurance is often a necessity for families. However, finding the best life insurance quote can be challenging. Learn a few s…
If you must hire a bankruptcy lawyer, make sure you choose one with the necessary experience to get you out of debt. Learn how to …
Obtaining the best auto insurance quotes online requires preparation and evaluation. Find out how to locate the policy you need at…
THE WHOLE TRUTH AND NOTHING BUT THE TRUTH ON "REAL" LAWYERS: Recently I got into a bit of trouble. I've NEVER been in trouble before. It wa one of tho e night I've heard people ay before like you were in the wrong place at the wrong time. A night out that...more you never intended to end up that way. Not nearly a bad a that movie "The Hangover" but imilar a I woke up in Jail and had no clue how I got there! There I wa in SERIOUS trouble with the law! I had to act immediately and I hired a lawyer that wa recommended to me by a friend and without doing any re earch I hired him de perately...BIG mi take! Eventually I found out he wa ju t wanting my money and telling me the thing I wanted to hear at the time. After an appearance in court, I tarted finding out the information he gave me wa not completely correct. Que tioning him on it, he told me he would get back to me. I then had to follow up with hi a i tance everal time with NO re pon e from him! It wa a firm and I never got the ame lawyer on my court date . I knew I wa in trouble and I wa SCARED! I eventually had to fire him after meeting with him about a li t of complaint and mi information that wa given to be by the firm. He wa what I later found out to be a paper-pu her type lawyer. The type that tell you all the magical BS word and mind game to make you feel like they care but really they want to do what will get them the mo t money and leave you with the outcome to your ca e that will make it ea ie t for them. Thi wa a very reputable firm and I could believe how di appointed i wa . Thi wa my LIFE! I needed a lawyer to take it that eriou ly! Could thi be the BEST I could hope for? I fired him and tarted earching for the "Real Lawyer ." My earch tarted online a I did a much re earch about my ca e and trying to elect the right lawyer to interview. I oon found out that it wa going to be tougher than I expected. After much re earch I narrowed my earch down to three lawyer . The fir t wa like my original lawyer that I had ju t fired promi ing me everything he could do and aying how ea y thi wa all going to be. How ea ily he could win my ca e for about the ame fee. The Second lawyer wa charging a lot more money for my ca e and told me how difficult my ca e wa going to be. He pointed out my charge and ternly a ked if I knew the everity of them to the point of making me FEEL like I wa guilty and a bad per on. He promi ed to win my ca e but it wa going to be tough and becau e of that it wa going to co t more. The third lawyer wa Chip Lewi and he turned out to be the one I would hire. Chip Lewi wa the ONLY one to call me back him elf. He al o wa the only one who looked into my ca e before he even met with me. The other lawyer told me to bring the paperwork with all the information I had. Chip took my ca e very eriou and told me all the fact about what could happen to me with my ca e. Hi fee wa ju t a little higher but reali tic, and now I know he wa worth every ingle penny! From the very beginning he wa different than the other and worked with me ide by ide. I FINALLY felt like he wa on my ide and it wa n't me again t my lawyer! It wa US again t the court . He didn't make me any promi e and told me he would work diligently to get me the very be t outcome that we could get from the court. Chip Lewi had the knowledge and the wi dom to back up every ingle thing he told me to expect. He told me that it wa innocent people like me who get lo t in the y tem that he wa working hard to try and protect. For everal month he did work hard and howed up with me in court every ingle time. He called me back, not hi a i tant, and he worked hard for ME and HIM. In the end, he got both of my charge di mi ed. It wa a miracle and it wa ALL becau e I hired a "REAL LAWYER" named Chip Lewi ! Thank you Chip Lewi ...thank for my Life!view less
For year I have maintained a very active and healthy life tyle, but for ome rea on I could never lo e the “extra weight” around the middle. I made the deci ion to have lipo uction, and after reading many online review , I decided to have a con ultation with Dr. Steely. I...more will never forget that day becau e it wa the fir t day to the tart of the re t of my life. From the moment I walked through the office door , the taff wa o friendly and li tened to every concern and que tion I had. When I met with Dr. Steely, I wa blown away by hi profe ionali m, compa ion, and under tanding of what I wa looking for with the procedure. He thoroughly explained what lipo uction would entail and an wered every que tion I pre ented. I left the office that day, with peace of mind knowing that I would be in caring and very killed hand during the urgery. The urgery experience could not have been better. The taff and doctor at 1 t Street Ho pital are top notch. They made ure I wa comfortable a oon a I walked through door until I left the recovery room. It al o helped to hear the wonderful thing they had to ay when I told them Dr. Steely wa my urgeon. “He i the Be t!”, “He i alway putting hi patient fir t.” were ju t a few of the comment that were made, and I knew I had made the right deci ion. The follow-up care with Dr. Steely and hi taff i econd to none! Cindy, Heather, and Angela were helpful, caring, and very profe ional. They were extremely helpful and knowledgeable with every a pect from financial, cheduling, and follow-up care. They were o friendly and were alway o excited to ee me on any return vi it to the office. The re ult from the lipo uction urgery are amazing, and I could not be happier with the way I look. Dr. Steely really under tand the importance of body proportion, and it how with my re ult ! I have a beautiful hour gla hape and a flatter and maller wai tline. At 3 month out I wa thrilled with the re ult and I really couldn’t believe my eye at 6 month out! I am now 9 month po t- urgery and jump for joy every time I look in the mirror. I can’t believe the gorgeou figure I get to look at every ingle day! Dr. Steely’ experience and kill really hine every time I look in the mirror. I have a new outlook about my body following the procedure. I no longer want to hide or cover up my figure. Before the lipo uction, I would often decline to pareti9ciapte in ocial activitie for fear of what people were thinking about the way my “middle ection” looked. Thi procedure ha given me new outlook and a new confidence about life and nothing i holding me back. My friend compliment me on my new look and how it eem to have really brought out the be t in me. I can’t thank Dr. Steely enough for thi wonderful gift of renewed elf e teem and elf confidence and the amazing figure I proudly how off every day! The day I met with Dr. Steely and hi taff truly wa the fir t day of the re t of my life, and I would not change a ingle thing. view less
Hello, fi t of all excu e me for my grammar and pelling mi take . I couldn't wait anymore to tart to write thi review, after my interview today... M . Richard i the nice t per on I have ever een, in the law world. After my fir t appointment, I made my deci ion t...moreo hire M . Richard . She wa hone t and upfront from the fir t appointment. The fee didn't change, even he went extra mile to help me more than he promi ed. Well he didn't promi e me any immigration tatu , he ju t promi ed to help me get my paperwork together and how up to the interview with me to protect my right and explain to me if I need help. She believed in me becau e he knew that I wa right from the beginning. Becau e of ome fake folk , mo t of the immigrant get judged or ha to go thru the proce ! She helped me to contact with ome ource to get my paperwork together, he alway informed me about everything on time. She even helped me to fix ome grammar mi take in the form /letter . Be ide of all of tho e he helped me to be trong in thi hard time. At the end of the the 3rd coun eling e ion, I wa till mi ing ome paperwork and photo ince I had only about 2 week or le time to the interview date when I hired M . Richard . Even o he wa till patience with me and called me at the end of the day and the next (thi ) morning to remind me about the mi ing paperwork. Anyway we talked to meet at the u ci office 30 min before the interview time. I wa there little earlier than that and M . Richard wa there before than agreed time. We walked to u ci office, picked our eat and waited for my interview. While we waited for the u ci officer to call me, it wa more than 1 hour pa ed. Meanwhile we had really cool conver ation . She wa n't ju t a lawyer there for me, he wa al o good per on with po itive energy and attitude. My name wa called and we walked to interview room. She ju t reminded me again to give the paperwork to the officer and ju t watched everything goe in it flow. While the interview M . Richard made couple comment about the paperwork and explained me one of the que tion I didn't under tand. Becau e that' all I needed, re t of it wa my job. Of cour e I had to tell my tory, of cour e I had to an wer the que tion about my ca e and explain the evidence I brought with me ince it' my job to do all thi . Everything went mooth and my ca e wa approved. I'm really thankful to M . Richard for everything and I would recommend her to everyone 110% Regard Javid.view less
Insurance is the transfer of risk from one person or company to another in exchange for money. We take risks every day, some of them bigger than others. Insurance protects against the risk of substantial financial loss, which is why vehicles, homes and even lives are what people usually buy insurance for. Some insurance is required by law, while other types are optional.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. 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 easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
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. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.