How to Get the Best Life Insurance Quotes »
Life insurance is often a necessity for families. However, finding the best life insurance quote can be challenging. Learn a few s…
Life insurance is often a necessity for families. However, finding the best life insurance quote can be challenging. Learn a few s…
Obtaining the best auto insurance quotes online requires preparation and evaluation. Find out how to locate the policy you need at…
Finding affordable health insurance is a matter of comparing your care needs to your financial situation. Find out about strategie…
Hello. Thi i Dr. Jaime Garza re ponding to the review written on 7/14/2011 by \"beautiful\": I am o orry that you didn't get the re ult that you wanted, and I'm orry that you didn't have the po itive experience mo t of my patient have. I certainly remember you and ...moreyour urgerie . I fir t performed a rhinopla ty on you over 7 year ago. It i my under tanding, reviewing our record , that you were quite happy with your re ult at your three month and twelve month po toperative vi it and that you even reque ted a econd operation after your three month vi it on another facial tructure to further enhance your appearance, which I performed to your ati faction. I certainly wi h that I could have your permi ion to po t your photograph o that you would be able to ee that your ethnicity wa not only maintained but enhanced a you reque ted and I agreed with. There i no evidence in your po toperative photograph of a crooked no e or a pointy tip. I la t aw you 2 ½ year after your initial urgery and all wa well at that appointment. We never heard from you again until my office aw thi review. If I fail to provide the be t re ult po ible given the limitation of the patient’ individual feature , I'm alway willing to make thing right. Unfortunately, unle a patient tell me they're not happy with their re ult , I cannot addre the problem effectively. Becau e of the di parity in our view of your re ult , I want to make ure that we do not have our wire cro ed and that you are actually the patient that we are referring to in thi re pon e. I am more than willing to make every attempt to addre and re olve the i ue you have rai ed to your ati faction. Every patient matter to me, o I hope that you will call my office to clear up any mi under tanding that may have occurred. Sincerely and re pectfully. Jaime R. Garza, MD, DDS, FACSview less
Ya know life can really uck ometime , e pecially when it eem the world i out to get you, or better aid; I get 2 feet ahead, only to get kicked back 4 feet, that became my way of life.So walking with the devil wa ea ier than facing life with all it' problem , di appoi...morentment ,aggravation ,complication , people putting their 2 cent in whether you a ked for it or not, and frankly didn't give a rat a _ what they thought. I found real friend who cared, they never gave unwanted advice, never told me what I hould or houldn't do, they were like me walking with the devil. That high, numbne , put the world and all it' opinion on the back burner. Until I got tired of being tired, I wa lo t me. DAPA gave me the tool and the knowledge to become a better per on than the one I left behind .I not only drank,I did drug and if that wa n't enough I wa bipolar along with anxiety, hallucination , actually to many to name all.. DAPA pecialization i dual diagno i , they care, they are not there for a paycheck, they are there for each and every per on, and you feel it. They help you to under tand all a pect of you. I am clean and ober now 33 month . Once I learned how to tay ober, even though it i around me all the time, wview less
Saw and wa treated by thi doctor for a bilateral inguinal hernia repair. Truely amazing doctor. Office wait wa moderate length. Told me from the very beginning in good detail what he wa going to do with the me h. Li ten and re pond extremely well which eem to be om...moreewhat rare for alot of doctor . Went to NE bapti t to get my urgery taken care of by him. The ho pital wait wa 2-3 hour overall but once I wa wheeled in and put to leep, I wa awake before I knew it with 2 car on my groin. Ho pital taff wa very courteou and friendly, great nur e , a well a hi own taff at hi office. Pain wa alot for me at fir t, but thi wa my very fir t urgical procedure. Wa put on ome ba ic hydro and the doc put a pain belt on me that wa connected to my 2 nerve in my groin that greatly ea ed the pain with regular et injection of numbing med . Overall I'm greatly ati fied with how it went and how I feel now after 2 week recovery and am very plea ed to not have any of the problem I've currently had for year now with my 2 hernia and can now live a normal active healthy life again. It doe take a while for your body to get u ed to the me h though. Would recommend thi doc to ju t about anybody. 5 tar .view less
Insurance is the transfer of risk from one person or company to another in exchange for money. We take risks every day, some of them bigger than others. Insurance protects against the risk of substantial financial loss, which is why vehicles, homes and even lives are what people usually buy insurance for. Some insurance is required by law, while other types are optional.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.