Six Sanity-Saving Tips for Carpooling »
Great apps and resources that can help make you the master of headache-free pickups and dropoffs.
Great apps and resources that can help make you the master of headache-free pickups and dropoffs.
A personal injury lawyer can help defendants in a variety of situations, from car accidents to defamation. Learn what personal inj…
Divorce lawyers help couples agree to the terms of their separation, but can also be very expensive. Learn how to choose the right…
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 was one of those nights I've heard people say before like you were in the wrong place at the wrong time. A night out that you never intended to end up that way. Not nearly as bad as that movie "The Hangover" but similar as I woke up in Jail and had no clue how I got there! There I was in SERIOUS trouble with the law! I had to act immediately and I hired a lawyer that was recommended to me by a friend and without doing any research I hired him desperately...BIG mistake! Eventually I found out he was just wanting my money and telling me the things I wanted to hear at the time. After an appearance in court, I started finding out the information he gave me was not completely correct. Questioning him on it, he told me he would get back to me. I then had to follow up with his assistance several times with NO response from him! It was a firm and I never got the same lawyer on my court dates. I knew I was in trouble and I was SCARED! I eventually had to fire him after meeting with him about a list of complaints and misinformation that was given to be by the firm. He was what I later found out to be a paper-pusher type lawyer. The type that tell you all the magical BS words and mind games to make you feel like they care but really they want to do what will get them the most money and leave you with the outcome to your case that will make it easiest for them. This was a very reputable firm and I could believe how disappointed i was. This was my LIFE! I needed a lawyer to take it that seriously! Could this be the BEST I could hope for? I fired him and started searching for the "Real Lawyers." My search started online as I did as much research about my case and trying to select the right lawyer to interview. I soon found out that it was going to be tougher than I expected. After much research I narrowed my search down to three lawyers. The first was like my original lawyer that I had just fired promising me everything he could do and saying how easy this was all going to be. How easily he could win my case for about the same fee. The Second lawyer was charging a lot more money for my case and told me how difficult my case was going to be. He pointed out my charges and sternly asked if I knew the severity of them to the point of making me FEEL like I was guilty and a bad person. He promised to win my case but it was going to be tough and because of that it was going to cost more. The third lawyer was Chip Lewis and he turned out to be the one I would hire. Chip Lewis was the ONLY one to call me back himself. He also was the only one who looked into my case before he even met with me. The other lawyers told me to bring the paperwork with all the information I had. Chip took my case very serious and told me all the facts about what could happen to me with my case. His fee was just a little higher but realistic, and now I know he was worth every single penny! From the very beginning he was different than the others and worked with me side by side. I FINALLY felt like he was on my side and it wasn't me against my lawyer! It was US against the courts. He didn't make me any promises and told me he would work diligently to get me the very best outcome that we could get from the court. Chip Lewis had the knowledge and the wisdom to back up every single thing he told me to expect. He told me that it was innocent people like me who get lost in the system that he was working hard to try and protect. For several months he did work hard and showed up with me in court every single time. He called me back, not his assistant, and he worked hard for ME and HIM. In the end, he got both of my charges dismissed. It was a miracle and it was ALL because I hired a "REAL LAWYER" named Chip Lewis! Thank you Chip Lewis...thanks for my Life!
Terry & Thweatt is a God sent firm. I suffered severe burns to my stomach when I was eating at a fast food restaurant. I looked up injury attorneys located in the Texas City area and came across Terry & Thweatt, so I called them but was politely informed by Irene, one of the assistants, that their office is located in Houston. Irene continued to get information regarding my injuries and then transferred my call to one of the attorneys, Joseph Terry. I was able to get an appointment that same day. Terry explained the process that we would be involved in and let me know that it can be a long process. Attorney Joseph Terry was patient and answered all my questions + all my girlfriend’s questions and concerns. I decided to give them a try and man am I glad that I did. This firm is by far the most professional and friendly business that I have had to deal with. Not only are they friendly over the phone but in person too. I know that I am not the easiest person to deal with but Irene was persistent, friendly and professional throughout the whole case unlike other places that are only friendly the first time that you come in to sign the contract. I am very happy with the outcome of my case and the services that Terry & Thweatt provided me with. I highly recommend Terry & Thweatt, especially Joseph Terry to anyone that needs a lawyer for injuries that they suffer because he is so knowledgeable and efficient. THANK YOU Joseph Terry and Irene!
Mr. Akers and the Cogdell Law Firm represented me when I was charged with felony theft. I was accused of stealing a bag which contained items belonging to off-duty police officers. A felony conviction of this nature would have prevented me from practicing my chosen career. Due to the gravity of the charges against me, I knew that I needed immediate, proven and effective representation. Mr. Akers began gathering information about my case as soon as we ended our telephone conversation and was up to speed for our first meeting. He laid out the best case scenario as well as worst case scenario and his recommended plan to resolve the charges against me. Cordt and his firm kept me appraised to every step that occurred with my case. They were able to reschedule hearings for me when I was absolutely unable to travel to Harris County for them. Cordt was available to me whenever I needed to get into contact with him. When the prosecution would not budge, Cordt had informed me that he had already been preparing for trial, in case that was the route I chose to take. Ultimately Cordt was able to get the charges against me dismissed, for which I am truly grateful. Requiring a criminal defense attorney means you are already in a stressful and worrying situation. I recommend Cordt Akers to lift some weight off of your shoulders and to guide you through the legal system, returning a favorable outcome.
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.