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…
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From Business: A Better Solution in Home Care Inc. was created with Seniors in mind. With over 25 years in the Home Care Industry we know your needs. Our home care services in Chu…
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 …
If you're low on money and cannot afford a lawyer, you can seek out an attorney that will handle your case for free. Familiarize y…
We got very *very lucky* finding Brian. I was so embarrassed last year when my husband and I realized we had no choice but to declare bankruptcy, and intensely anxious that the process would prove to be a horrible ordeal. Although still stressful, it turned out far better th...morean I had hoped and I felt like we were able to keep our dignity through every step of the process. Our story: We made appointments with five different bankruptcy lawyers in the San Diego area, and Brian was the *only* one I trusted. The other lawyers used high pressure sales techniques to try to get us to sign papers on the spot. I was not prepared for that at all, and it left a really bad taste in my mouth (particularly since I had never really interacted professionally with lawyers, and my first encounters made me think, "Oh, no, the stereotype is real!") In addition, not one of the others we met with suggested we do a Chapter 13. This *is* understandable from a profit standpoint b/c it takes at least 5 years for a Chapter 13 to conclude, meaning the case drags on, demands extra time from the lawyer involved, and final fees are not collected until the end; Chapter 7's close out quickly, and the client is out the door. In other words--quick money and much less hassle for the lawyer involved. For some people, Chapter 7 *is* their best bet. Chapter 7, however, was not the right choice for us at all: We owed both back taxes (my husband was self-employed in a crashing construction economy) and financial aid, and Chapter 7 would not have covered those in our circumstances. Brian carefully reviewed our obligations and thoroughly explained the outcomes of both a Chapter 7 and Chapter 13. In addition, he seemed to assume that we would go home and talk about things before we either hired him or came to a decision about what type of bankruptcy we would seek to file. He did not pressure us at all, though he did recommend Chapter 13, an assessment with which we agreed. Filing Chapter 13 meant we are paying the back taxes, plus our cars off, and it has put the financial aid payments on hold until the case is discharged. In other words, I feel like we have some self-respect, paying off huge chunks of what we owe, but we are managing the debt, not being crushed by it. Brian was the *only* lawyer with whom we met who either recognized our special circumstances--he seemed to know immeasurably more about bankruptcy law than the other lawyers we saw, who seemed to know how to sell just one "package"--or was the only one who cared about what was best for us. On top of all of that, he treated us with quiet dignity, was responsive to my smallest question (and I had many!) and was very agreeable about working with us even though I made our case more difficult by accepting a job out of state right in the middle of hard-to-schedule court dates. That was a year ago, and we've since moved, but he continues to stay in touch with us and on top of our case. I couldn't have found a better lawyer, and I would recommend him without hesitation to anyone contemplating bankruptcy. Again, I feel very lucky that we found him!view less
PHW stands behind what they sell. In 2003 I had a customer who I sold a product to for the exterior of his house called Tex-Cote. It was installed in 1 week, and he was very satisfied. Jump forward to 2010- He was contacted by PHW to ask about doing other home improvements, ...morehe agreed to meet regarding his kitchen. Upon my arrival I asked him how Tex-Cote was holding up. He said "he was very happy with it, however ther was a small crack forming at the base of his wall". I lookat at it and there was a small crack and the color had shockingly really faded, not just there but all over. I told him I would get the service tech out to fix the crack, and then spoke with him about the kitchen. He was so happy with PHW, he ordered a new kitcken to be built. The next day I spoke with Will Redfield about the fade issue and was extremely concerned that all the jobs I sold years prior we're going bad. Will very casually explained that every product has a failure rate. I just happened to stumble opon one such issue. Will then asked me to go back to Ken and have him pick any color he would like his house to be, PHW was going to (at their expense) re-do the job. My client never actually complained about the fade, yet PHW was going to re-do it? I know, it sounds too good to be true. All companies wait for a complaint before acting. Some deny it a few times at first, or try to up sell the job to recoup some of the costs, but not in this case! The color was picked and the work was done. He was happily surprised we did what we did, and so was I. Now when I walk into a prospective customers home I know this company is the BEST BET for them and will stand behind what I sell and they install. I am a believer beyond belief. I have since had PHW install Tex-Cote on my house. If the company will put their money where their mouth is, so would I. Thank you Pacific Homeworks for not only being a good company, but for helping me support my family by giving me the success needed to do so, for many years now. view less
Jon D Rigney is absolutely one of the best lawyers in San Diego. His long term experience, intelligence and his ability to interpret the facts and present them in the most straightforward and useful way, is absolutely amazing. I am a citizen of Iran who came to the United St...moreates with a dependent visa on my Iranian-Canadian husband. However, upon our arrival he started making my life terribly difficult and finally he went for a divorce and made up stories to get rid of paying me the spousal support. I was so helpless and also unable to work in the US due to visa limitations and I thought that was the end of the world and I was about to leave the US without asking for any rights out of our marriage, leave the graduate program I was attending in USC and go back to Iran. However, upon a series of consultation sessions with Mr. Rigney that only costed $100 in total, he made me realize that I have been the victim of domestic violence and that's why I was about to give up on all my rights and leave. He advised me to just stay and tell him the story of my life with the abusive husband, and step by step he moved me forward, up to the point that in our first spousal support hearing, I was granted half of the salary of my spouse as the support which happens very rarely in California. Judge Jessop and attorney Jon D Rigney did a great job in giving life and hope back to me, especially Mr. Rigney had also a psychological role to help me see the facts and try to save myself from remaining in a victim's position. I owe a lot to this lawyer. He is defenitely not a cheap lawyer, but he deserves what he gets. HE KNOWS HIS JOB PERFECTLY and he is a very respected person. I highly recommend him to people who have family issues, whether they are American or from any other nationalities like me. He also have a very carying and smart staff and paralegal team who are always there to help you with your legal questions.view less
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.