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…
6324 Meadowbrook DrFort Worth, TX 76112
From Business: Minyard Food Stores was established in 1932 by a postal employee, A.W. "Eck" Minyard. After 72 years in business, the Minyard family sold Minyard Food Stores in 2004, to Acquisition Vehicle Texas II, a Texas-based investment company, which conducts business under the name Minyard Group. Minyard Food Stores currently operat…
3233 Hemphill StFort Worth, TX 76110
This place is an old-style Mexican restaurant, one where the decor is from yesteryear and so is the food. And that's a GOOD thing! My wife and I grew up with Tex-Mex and when we tried the enchiladas, beans, rice and gaucamole, we were instantly fans for life. We had a really good feeling abo…
4200 South FwyFort Worth, TX 76115
Worst Customer Service EVER! -Neglect Calls b/c the office girls are lazy -Terrible Phone etiquette, the girls are rude and do not call back -This business could be doing so much more in growth, but the employees are definitely hurting them. I would fire every one of them at this location and …
2528 Market AveFort Worth, TX 76164
Jennifer was more than willing to work with my budget when it came to the prices. Herself and Frank both arrived at my house within thirty minutes of my reservation and setup the bounce house and showed us how to use the cotton candy machine and sno cone machine. We had a blast and will be us…
1300 E Pioneer PkwyArlington, TX 76010
From Business: Established in 1972, Fiesta Mart is a chain of grocery stores that has locations in various cities throughout Texas, including Arlington. The outlet provides a variety of products, including bakery items, meat, seafood, beer and wines. It also offers various specialty and international food products. The outlet features cl…
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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Dear Ed, I am writing you in regards to an accident I recently had and how my State Farm Agent, Darren Miller helped us. My wife and I went for a ride on our motorcycles on a beautiful Saturday afternoon. About an hour into our ride, a car moving into my lane clipped me. Luckily he just missed my wife, but I went down traveling about 45 mph. I must tell you that I have never been involved in a collision prior to this, and being on a motorcycle made it even more traumatic. I was lucky to have only recieved minor wounds, I had some road rash and my bike was wrecked. The ambulance arrived along with the police and a small crowd had gathered. The whole situation was chaotic. My wife and I had no idea what to do. We were concerned about how this would be handled by the car drivers insurance agent as he was at fault. I was in a bit of shock and didn't know what to do. My wife, being the smart one, contacted our insurance agent, Darren Miller. Darren immediately calmed my wife down telling her as long as I was OK, everything would be allright. And within 20 minutes of being called Darren was at the site of the accident. I cannot begin to describe how his presence that day made everything better. Darren advised us on how the accident would be handled by the other insurance company, Allstate. He arranged for a tow truck to come pick up my motorcycle and he made sure it was properly loaded on the truck to ensure that it didn't recieve any further damage. And he even assisted the other driver getting his car in a drivable condtition. And most importantly, Darren calmed my wife and myself ensuring us we would get through this day OK. Darren then transported me to the motorcycle shop and assisted with the paperwork for repairing my bike. I cannot stress enough my gratitude for having a State Farm agent like Darren Miller that day, and every other day for that matter. It is good to know we have an insurance company and agent we can count on. Sincerely, Doug Hoenig
I found a tanning salon that has very sweet people that work there and that offer great beds and pricing. Typically with places like Palm Beach thats not the case. I cant tell you how many times I have went there and was greeted by a somewhat snotty employee who had no desire to help with any questions or go into any detail about his/her answers UNLESS it would benefit them (buying lotions). The beds at the Palm Beach in Arlington are older and it took me almost a month to start showing any color. (I use top of the line lotion it wasnt that)! With Darque Tan I started showing results within the first 3 days. The girl that signed me up was VERY kind and sweet and answered all my questions in detail to the best of her ability. I was signed up for $28.88 a month sounds like a lot but you get some great benefits if within your first 7 days of your membership you are not satisfied they will refund your money back FULLY, and their beds are GREAT their level one beds are more of a "level 2 bed" quality. Everyone of the employees i have encountered have been very friendly and kind and most helpful. They currently took over another salon that was in that spot so they are pretty much totally remodling the place. The ONLY negative about this salon is that their lotion selection is VERY limited and kind of expensive but I am SOOOOO glad they are there I have been looking for a good and convienent salon to become a memeber at...I FOUND IT..You should too =)
I would like to let everyone know what an OUTSTANDING job these people do. My wedding ceremony and reception was held at the Bass Hall The decor was ABSOLUTELY STUNNING!! Don't let the name fool you. These guys are much more than caterers. They actually helpe me design and then decorated my wedding. The ceremony area was BEAUTIFUL and our reception area was set up SO well! Our entire wedding crowd was very impressed - as I heard compliments all night long. The food was not only beautifully presented, but by far the most delicious food we could have hoped for. We went with some really nice satin linens and they were worth every penny. Everything was gorgeous and I can't wait to see our pictures. The night was magical and went without a hitch. Thanks to Maggie and her able crew, it was the wedding of our dreams! If there was ever an award to be given for the best wedding designer, decorator and it ought to be you and your staff. This company is first class, all the way!
I just recently entered this 7-11 never having been in here before and the gentleman behind the counter greeted me with a wonderful smile and great enthusiasm. I went to grab a cup of coffee and the timer on the coffee said 1:55 I assumed this meant 1 hour and 55 minutes remaining. While I do not know how long these coffee pots last it was very got and fresh tasting as if this gentlemen made this pot of coffee just for me. I then came to the counter the man behind the counter said I have never seen you in hear before my name is Jeff and its a pleasure to meet you, as he extended his hand out to shake mine he then said this cup will be on me today and then pulled his wallet out to put a $1.50 in the register. He simply said just pass it on to somebody today and God bless. I will return here everyday on my way to work cause of this man.
I promised the staff at Catered For You that I would follow up my good experience and tell everyone on the internet. Our wedding reception was the bomb! We had such a good time from the moment we arrived, until the time we left. Justin and Anthony did a wonderful job of keeping us on schedule. Brent and I just can't tell you how nice everything looked! We were so pleased with the food. Brent IS a chef and as you can imagine, he really was quite picky about the foods we were going to serve and how everything would look. Well, all of the food came out looking and tasting great, so Brent was real happy with them. Justin really helped to keep us on our time line and Anthony's bartending was just the BEST! Thank you - Catered For You - for making our day one that we will remember!
Went to a wedding reception at the Chateau. Everything was beautiful! The building is rustic on the outside and the inside is REALLY nicely done. WOW! The room and decor is stunning and the beautiful lighting really made the place come alive. I loved the centerpiece and linen combination. My fiance and I are talking "wedding" and I want to do our wedding here. The food was delicious and the service was very professionally presented. The street taco station as well as the mac n cheese station were perfect. The staff was very service oriented. The DJ (Complete Music) did a phenomenal job and had everyone up and dancing all night. The bartenders mixed some tasty drinks. I especially loved the frozen pink margaritas. We drank margaritas and danced until midnight. Fun, fun, fun!
This store is better then the former Carnival grocery at this location. However the Bakery dept needs to inprove on training employees about correct shelf life for cakes, so forth. I purchased a Reeses choc cake and when got it home, saw it had a section of mold on the side. I also noticed no shelf life/buy by sticker on the package. The manager was polite about the return. I decided to look at other cakes. All the cakes and cheesecakes in that area had no shelf life stickers. Im sure this could be a health issue. I did not see any other molded cake. As I made another purchase I saw the head cashier that did the approival of the return sale and in formed her the others did not have shelf life stickers. Im not sure she understood what I was referring too.
Used Catered For You for our wedding. A fantastic job is what I got. The food was so tasty and well presented. Our guest LOVED the street tacos. Chef Able is so talented. And the food was so yummy. Had Sarah as our wedding coordinator. Going with the wedding coordinator was money well spent, as I was truly able to enjoy our family and guests. My husband loved how well the night flowed and we danced and danced. Never had to worry about a thing. I would highly recommend them. Looks like we have some haters on this site. I really can't understand why some people do that. Is this for real, or is it jealous competitors trying to slander someone? You can get sued for doing that, either way. But...OUR experience was fantastic.
Hello fellow tanners:) Since I have had nothing but a positive and amazing experience here at Exotic Tan I felt it necessary to share my history with this company. I have been an active customer of Xotic for 5+ years and it has been their polished customer service that has kept me. The staff is incredible and highly knowledgeable when it comes to helping you choose a lotion, level of tanning or tanning education. Besides exceptional staff, Xotic Tan offers a highly well kept facility and beds. I rarely to almost never have to wait for a bed when I come to tan (which is always a plus). When asked by others for a recommendation on where to tan I always direct them to Xotic! Don't miss out on a becoming a member with this fantastic company.
Had my wedding ceremony in North Dallas and the reception in downtown Dallas. Catered For You provided some of the best tasting food I could have hoped for. Bambi and her able team were just great to work with. Once I realized that Catered For You owned a rental company, did wedding planning, and decorating - that made my decision easy. The staff came through in flying colors. REALLY, I couldn't have asked for more. The room was beautiful. These guys helped design my ceremony area, right down to the centerpieces. The food was fantastic, and my day was blur - but a wonderful blur. No problem ever came up that these guys couldn't adjust to. So glad I chose them. Would definately recommend!
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.