Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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Betty Gonzalez helped my family with our estate planning matter and living trust issues. Very professional and knowledgeable. She took the time to …
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
I recommend Idalis Perez. Pedirle a la abogada Idalis Perez que represente a mis dos menores hijos en un complicado caso de ajuste de status es una de las mejores decisiones que he tomado en mi vida. El caso de mis hijos tomó un giro inesperado y problemático una noche que oficiales de inmigración visitaron mi domicilio, luego de esa visita quedé desmoralizado y casi sin esperanzas, sinceramente me hacía de regreso en mi país con mis hijos. Antes de visitar a la abogada Idalis Perez me entrevisté con dos abogados mas, honestamente no me convencieron, a pesar de ser muy "conocidos" en el medio no me inspiraron confianza. Todo lo contrario sucedió al entrevistarme con Idalis, sobria en su análisis de la situación, sincera al darme su opinión, absolutamente entendida en las leyes de inmigración y los pasos a seguir. Idalis estableció una estrategia y esa estrategia nos llevó a un final feliz, hoy mis hijos son residentes permanentes. A lo largo del camino Idalis nos nos mantuvo informados, absolvió todas nuestras dudas, siempre estuvo ahí para nosotros, si hubieran 10 estrellas en vez de 5 para calificar su conocimiento de las leyes, su trato humano , su honestidad y su disponibilidad para atender mis dudas o preocupaciones con gusto le daría 10 estrellas. Quiero hacer una mención muy especial al staff de Idalis, todos ellos se han portado maravillosamente con nosotros, han sido eficientes, atentos, muy pero muy pacientes con un padre preocupado del futuro de sus hijos, realmente son el equipo que toda persona que se enfrenta a un complicado caso de inmigración sueña tener. Hoy que hemos superado existosamente el complicado camino que la vida nos puso por delante quiero agradecer a Idalis y su staff, sin ellos no lo hubiéramos logrado y quiero que mi experiencia sirva a los que vienen detrás. Los casos de inmigración afectan las vidas de las personas, al confiarle un caso de inmigración practicamente estamos confiando nuestro futuro al abogado que escojamos, haberle confiado a Idalis el caso de inmigración y por ende el futuro de mis hijos fue la mejor decisión que pude tomar. Una vez mas y no me cansaré de repetirlo Gracias Idalis!
I went online to find the new office address for Ms. Trainor and was shocked to read the reviews that were written. They are so vindictive and so untrue, that I feel that I have to take the time to address them. They were clearly submitted by a disgruntled ex-spouse(s) of one of Ms. Trainor's clients and in no way accurately reflect Ms. Trainor, her professionalism and high moral and professional standards. To say that she would put a child at risk and allow pedophiles on the streets is disgusting and an abuse of the opportunities allowed by unchecked reviews. It sounds as though somebody ended up on the losing end in court and is now striking out in the most miserable way possible. The writer(s) should be ashamed of themselves. I was referred to Ms. Trainor many years ago and have since referred others to her. She is an incredibly compassionate, fair, intelligent lawyer who advocates aggressively on behalf of her clients, but at the same time will tolerate nothing less than decency and truth from those whom she represents. In my experience and from what I have heard, she has never charged more than a fair fee and has never billed up a file. To detail the alleged family background and to imply that Ms. Trainor is complicit in any of the alleged actions in a professional review is ridiculous and puerile. There have been no rulings nor sanctions against Ms. Trainor and she has always been in good standing with the FL Bar. The reviewer(s), who by the way seem to have been on a vengeance streak that day considering the multiple negative reviews against others, has mischaracterized all info that he or she found as they pursued their vendetta. I highly suggest contacting current or former clients of Ms. Trainor. I guarantee that they will offer only positive reviews and commentary on Ms. Trainor. Shame on you reviewer. You seem to be an angry, unstable individual(s), who has lost control and needs more help than a public forum can offer.
I have been having an impossible time trying to find someone who could help me understand this insurance marketplace after my insurance company dropped my plan. i literally called 5 different companies and spoke w several different ppl who gave me incorrect or insufficient information. Finally I ended up using google to do my own research and found the company phone numbers to the individual health insurances offered on the market place. I called them all but the only one who seemed interested in helping me was this man named Keith from Molina healthcare. Keith sent my info to some brokers in the area that were supposed to get back to me and never did. I called keith back a few weeks later to let him know and he was so devastated he said he would make it his first priority to find me a broker who would take the matter seriously. The next day he referred two different brokers. I called the first one and got an agent named Danny Delgado. I could tell from the first 4 sentences that he was the first agent Ive talked to that is fully knowledgeable on all this new healthcare marketplace stuff. He explained in laymens terms all the different health care options and how each differentiated from the others. I honestly feel 100 percent more educated on the subject myself after speaking with him. He helped me choose the most appropriate plan for me and was not focused on trying to get me to spend as much as possible in fact he found me the cheapest plan ive seen so far. I usually dont go out of my way to write long reviews unless im really disappointed in something I will give credit where it is due and but Keith (of Molina Healthcare) and Danny (of Super Insurance) need to be recognized for being 2 of the few that take their job seriously now adays. I applaud you both.
I can't remember where I first saw Idalis's name but I do remember her outstanding reviews convinced me and my husband to go with her as our counsel. I'm very glad I did. Idalis and her team, because it's a team effort, with a special shout out to Idalmis (her sister who's the the COO to her CEO) Got the process going, kept it going, took care of every little detail, was very responsive to questions and concerns (even if I asked like the same thing probably five times). And kept checking in . Immigration issues always carry some stress. Knowing they were there for us took a huge weight off our shoulders. They weren't perfect there were a couple of glitches (most notably a form that didn't get filed as fast as it should of due to a teammembers medical issue that caused it to be overlooked for a few days.) But with the good communication back and forth, once the problem was identified it was immediately expedited and taken care of. To me seeing how a team handles a problem is a better indication of how good they are as opposed to when everything is running totally smoothly. Seeing them handle the problem so quickly and efficiently after recognizing it gave me more confidence that if something went wrong they would have it cleared up ASAP. So If you want a warm and friendly, and caring staff (the second time I sat with Idalmis she asked about my mother-in-law's health, which had been fragile at the time of initial meeting. Her concern was genuine and I was touched she remembered and asked me about it - luckily she was much better). Who is also experienced, diligent and effective. I absolutely recommend Idalis Perez and her excellent team.
I am a previous client of the Robert Rubenstein Law Firm. I recently picked up my settlement this afternoon and I am writing to say Thank You to each and every one of you. This was my first experience dealing with a law suit. It can be very scary, confusing, and frustrating. For me, this experience was an educating and comfortable experience. From the minute I called the Offices of Robert Rubenstein Law the girls answered the phone so quickly, so bubbly, so helpful, and respectful. They connect you to someone highly intelligent and a great sense of humor. In my case that person was Attorney Kelly Amritt and she was so awesome! She explained everything so I could understand, always responded to my emails, and/or returned phone calls in a timely manner. When Kelly was not in the office I had the absolute pleasure of speaking with Ms. Lopez who is also knowledgeable, hard working, and was always able to provide me with any information I needed. She is Kelly's right hand, and she ROCKS! When I couldn't speak with Kelly or Ms. Lopez I was connected to a very important department in the company, Customer Service. Rubenstein Law Customer Service representatives are so awesome. I had a wonderful experience, and I would definitely recommend Robert Rubenstein Law to all of my family, friends, and co-workers. My husband and I thank each and everyone one of you personally. "KUDOS" Robert Rubenstein Law employees ROCK!
Needless to say, the fact that you need money to declare you don't have any money is a sad oxymoron. I was going through a garnishment; I was going to bite the bullet but when I contacted the company garnishing me, the amount owed was increasing due to compounding interest. In other words, that means I would be garnished forever! Bankruptcy was my only option but like most of us, we don't have a large lump sum of money laying around so I started to google "bankruptcy for less." At first, I thought "Antonio Pagan" was a scam (because the fee compared to other bankruptcy fees was so modest in comparison). I was hesitant but desperate enough to pursue. Rest assured, it was the best google search I ever came across considering the situation. He provided an itemized list of everything he needed to file the bankruptcy-Everything was done via e-mail, but when it came time to pay the flat fee bankruptcy rate, I insisted I pay in person because I was still fearful of the chances this really was a scam. I showed up to the office in Downtown Miami, paid the fee in person (although I could've paid via phone call or e-mail), he provided me with a receipt, & all I had to do was wait for the "Meeting with Creditors" date. Antonio Pagan & his team are excellent. Look no further...
Our family was represented by the sharpest legal mind in all of Florida, Jason Neufeld. Jason Neufeld was not only our attorney during a very difficult time, but he treated us like family. Jason is truly a dynamic personal injury attorney, second to none, and he connects with you and your entire family in a way other attorneys cannot. We would never go to any other Attorney from this point on, other han with Jason Neufeld at Neufeld, Kleinberg, and Pinkiert. He stood by us during a very vulnerable time, but with his steady hand, knowledge, expertise, and professional demeanor, helped us become whole again. Thank you Jason, we will always be grateful! And I have to add one more as I almost forgot. Jason was referred to us by family members, even though, as husband and wife, we already worked with and had our own personal injury attorneys. Because what we heard about Jason was so amazing, like he was "one in a million," we decided to give him a try.... and he really is everything and beyond. It was the Best decision we ever made, and as a family, WE refer Jason Neufeld to all other families, because you will not be disappointed. We are, as said before, grateful, and honored to have Jason as our new family attorney. Sincerely, Lisa, Khalil, and Davien.
I was lucky enough to have had Evan Marks represent me in my child support/custody case. Evan is personable, brilliant, dedicated and most of all truly cares about his clients. He was so familiar with my case and prepared for every step of the process. He was unbelievable in court. We won every single hearing we attended. I actually felt embarrassed for the opposing counsel at times. Unlike other attorneys, he tried to keep the bill as minimal as possible. He was quick, efficient, and never created busy work just to have more billable hours. He worked relentlessly on our case and would settle for nothing less than perfection. He and his office staff kept me informed every step of the way. I never felt uninformed or out of the loop. He cared so much about the well being of my daughter and I, that he made us feel as if we were his family. He believes that good lawyers settle cases without having to go to trial. He settled our case without going to trial and delivered far more than I could have ever imagined. The most impressive thing to me about Evan is his ethics. He never once asked me to lie or even deviate one bit from the truth in our case. He is such an outstanding attorney, he has no need to be dishonest.
I had excellent results with Attorney Jose Antonio Pagan II (a.k.a.: Attorney Antonio Pagan) with my chapter 7 bankruptcy case. Antonio Pagan was very professional and diligent in handling my chapter bankruptcy. I was very impressed with the speed and accuracy in which he processed my case. His office was extremely efficient. Antonio Pagan processed and filed my chapter 7 bankruptcy case with a few hours during our first meeting. A month later we attended the 341 meeting of creditors together and everything went smoothly in court. Antonio Pagan did a great job. What a huge relief to finally get that heavy debt load off my shoulders and to be able start all over again!!! Thank you so much for all you've done and the professional way you handled my case and also for your kind generosity and patience. I will be forever grateful to Attorney Antonio Pagan and his staff. I highly recommend Attorney Jose Antonio Pagan II for all your legal needs such as Bankruptcy, Foreclosure Defense, Real Estate Transactions, Family Law, etc…. Frank G.
I want to thank God for giving me the opportunity of finding a criminal lawyer to represent my son who is not only professional but an extraordinary human being. From the beginning of my journey with Mr. Petruzzi and his staff, I felt I was in good hands. They were always attentive in answering my phone calls, emails, meetings and most importantly serving all my sons legal matters since his arrest. We were provided with guidance along the way, which gave us a sense of comfort and positive thinking. Mr. Petruzzi and staff really go out of their way to attend your legal needs, even on days I would arrive without a scheduled appointment. I’m truly grateful for having the opportunity to work with Mr. Petruzzi and achieving an excellent result to my son’s federal criminal case. Mr. Petruzzi assisted my son and family tremendously by reducing his sentence to the utmost minimum in regards to credit card fraud and for that I am truly grateful and beyond happy with his legal services. Thank you to The Law Offices of Paul D. Petruzzi.
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.
Auto Insurance Claim: 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 at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to 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.
Homeowners Insurance 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.
Life Insurance Claim: 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.
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.