Wisdom Teeth Removal & Cost »
Learn about wisdom teeth removal costs, as well as wisdom teeth in general, to help you make the best decisions for your finances and oral health.
Learn about wisdom teeth removal costs, as well as wisdom teeth in general, to help you make the best decisions for your finances and oral health.
How much veneers cost depends on multiple factors. Learn what your options are in terms of cost, evaluation, procedure type, recovery and maintenance.
Specializing in services like aligners, whitening and reshaping, cosmetic dentists are dedicated to the treatment of esthetic dental issues. Find out more about services they off…
I deal with clients' and opponents' insurance companies all the time for USAA (which is a best practices insurer that consistently leads the segment in customer satisfaction) but I have Countrywide Auto and I'm quite happy. Therefore I'm not sure I agree with any of the reviewers here. The difference between a company like GEICO, USAA, ESurance and Countrywide is you get Countrywide from your broker. Basically, I tell me broker what is going on in my life, and she sets up the right kinds of coverages that save me the most money overall. That's the key here ... ESurance will just give you a basic auto policy and you better hope it covers your needs or it doesn't provide overlapping coverage against another policy you have. That's point 1: countrywide is a broker-based product, so your broker should be responsible to ensure that it fits your life. Point 2. your broker is responsible for servicigng your policy. I get it if you arent insured with countrywide and you need a response, but the rest of you should know that thats what your broker is paid to do. Point 3. Rates: Wow, $1170 with 1 not-at- fault accident less than 5 years ago and 2 tickets for tint that I fought and won in court. I live in NYCity. Everyone else looked at my record and placed me in a high risk category AFTER quoting me a very low intial rate; my broker explained my circumstanes and they listened enough to get me an extremely competetive rate. I have never had to call to make a claim against a Countrywide Auto insured but I did call the company to discuss my bills from time to time and while I was sent to my broker once, all other times the hold time to speak with someone was less than 5 minutes. Maybe their Claims handling is worse ... I can't tell whether the posters below are all 1 person masquerading, or what ... but I can say from working in USAA that, in ANY NY auto insurance carriers defense, it is impossible to be profitable int his business, and so people, you must understand that LOW LIOMITS policies will not afford you any red carpet treatment. Don't expect them get on the phone with u and try to send u a fruit basket each time you make a claim because guess what, u bought yourself a low limit policy where every other policyholder is a scammer. TRUST ME, I KNOW. its like buying a greyhound bus ticket and being upset that there wasnt a first class attendant but instead being treated like a child. come on! BUT i will say that its not like countrywides going to screw around with you. at the end of the day, you'll get paid. like someone else said here, insurance .. especially auto in ny .....is the most highly regulated fianncial industry. that's a fact, so quit your conspiracy theories. aBck to my review, as for the homeowners and other products that I have, some of which are also through Country-wide (not Countrywide Auto), they are just fine. I just pay in every month, and everything seems competitive. Therefore overall, I can fairly say that based on my experience so far, I am satisfied. I know this sounds like a shill so I will say that whether you get countrywide auto is up to you. This is really more of a distrabe because i am fed up with the misconceptions and expectations about auto insurers. Did you know that the Progressive vans are not really customer service vans like they claim but really out there to get you to settle immediately? People are so brainwashed and think that your auto insurance company will walk your dog. At the end of the day, it's a legit insurance company plain and simple; it's low limits insurance that fits my life; it's broker based insurance and i like my broker; and its part of a package that covers my car, my home, my life, my kids, the little business i have, and it all comes at a great price. Good luck.
This is my story, beginning about 14 years ago when I met first Dr. Nick Mobilia. First as a friend, Dr. Mobilia (aka Nick) always suggested that I to go to him for treatment, as I always complained about my teeth and NEVER smiled! Finally, I decided to do so after having many botched jobs done by other dentists. There was A LOT of work to be done…. from bad root canals, to horrible looking crowns, my mouth was a mess and something I was very insecure with. First things first, after a full and thorough exam, he fixed a tooth that was knocked out as a kid (my front tooth no less!) WOW I felt like a new person already! I was so excited that I had a tooth that actually looked like a tooth and not a chicklet stuck to my gum. Of course this was the beginning of a beautiful dentist/patient relationship! Throughout the years, I’ve recommended everyone I know to Dr. Mobilia, including bringing my baby niece to him before her first day of school. His hands have to be the most gentle in the business. He always makes sure that his patients are comfortable and experience the least amount of pain possible. He doesn’t stop until he reaches perfection with each and everything that he does. I, as someone who is extremely critical and strives for perfection in my life, expect the people I trust to do the same for me. Dr. Mobilia exceeds those expectations each and every time. When I come to Dr. Mobilia’s office I can honestly say it is without apprehension. I know that I can completely trust him and all of his work. I’ve never known a dentist to be so dedicated. Dr. Mobilia is always on top of the newest and latest technology in cosmetic dentistry. His office and equipment is immaculate and always consists of the most current instruments out. Along with Dr. Nick being the most gentle and most friendly dentist around, his staff speaks for itself. From the minute you walk in the office, you are welcomed and taken care of by the most knowledgeable staff around. They will work and take care of patients individual needs and concerns in the most professional way. They stay on top of all of their patients, making sure they are getting the most out of their dental care. Unlike most out there, Dr. Nick and his staff truly care about their patients, and want to see them achieve the best results possible along with maintaining beautiful and healthy teeth for the rest of their lives. You won’t need a lollipop at the end of your visit to keep you coming back ;).
There isn’t much more to say about the “Dr. Wei experience” that hasn’t been said already. Dr. Wei and staff exceed all the standard requirements of what you want in a dental office and then some. Of course you get a friendly and courteous staff, accurate scheduling, (I never wait), clean office, state of the art technology (the needle vibrates to mitigate pain, watch a movie during dental procedures) and very reasonable pricing for the high quality of work. But what makes Dr. Wei a great dentist, in addition to his precise craftsmanship and desire for perfection, is he is a great person. His demeanor and warm personality which can only come naturally, literally takes away the entire anxiety of a dentist visit. You don’t feel like you are visiting a dentist, you are visiting a friend that does dental work. Additionally, despite his often full schedule, his attentiveness always makes me feel like I am his first and only patient on every visit. Examples: Knowing I needed extensive work and that I travel 30+ miles from work for each visit (worth the trip), he immediately calendared me in for multiple future visits and precisely calculated the procedures he’d perform each visit so to minimize my visits. Of course, each visit went according to plan. He knew I had a wedding to attend thus needed my cracked veneer replaced (cracked veneer was from a FORMER dentist), concerned that the veneer would not be shipped to his office in time, Dr. Wei went out of his way on his day off to pick up the veneer from the lab so that I would have it in time for the wedding! I am quite confident that none of my previous dentists would have even considered doing that. Lastly, the customer service provided by the staff is First Class. As of the very first visit, they said that I would receive reimbursement from my dental insurance within 2 weeks and though I forgot about them (I am skeptic with insurance companies), it was a pleasant surprise the checks arrived! The team is also very diligent with following up the very next day on any procedures performed to ensure I am comfortable. They never miss a beat. As such, my search for a dedicated, punctual, reliable, flexible, honest, knowledgeable, caring, pride in their work, quality, dentist has ended at Dr. Wei and team. Like others, I highly recommend Dr. Wei. If you are skeptical, just chat with him for yourself.
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.