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…
7230 Hillside RdAmarillo, TX 79109
I know alot of you have never had brooklyn style pizza before but this is the closest thing youll ever get to a brooklyn style pizza unless you go there your self!The pizza is always made with TOP QUALITY FRESH INGREDIENTS!!!And the toppings taste amazing once you have pizza from La bellas you w…
7415 SW 45th AveAmarillo, TX 79119
From Business: La Fiesta Grande is a Texas-style restaurant that offers a range of homemade food items. Its appetizers include onion rings, chicken tenders, cheese sticks, nachos and cheese fries. The restaurant s side dishes include steamed vegetables, seasoned rice, butter croissants and mashed potatoes. The restaurant also offers a va…
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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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This is about an early May stay at Big Texan Motel.For the Motel:For the Desk Staff:The desk staff is bizarre. They don't say please or thank you. They stick out their paws and expect you to know what they want. (Credit card? License? Bribe?) If you say you want a room in a certain area, they might nod, but then they give you a room wherever they want.Their reservation system is: call and they say okay. No confirmation number, nothing. If you arrive and they 'lost' your reservation, you're screwed. And they're not very helpful about getting a place to stay. For the Rooms:Front section, ground floor room. I love the decor. The rooms were floor-to-ceiling clean, quiet, and dark when the lights were off. There were two queen sized beds. The fridge was approx 3CF and worked well. The shower was clean and a little small. All of the lights and fans worked in the bathroom. The heater/air conditioner worked great and quietly. When I arrived, it was 80º. The temperature dropped to 35º. The HAC kept up. The TV is huge with lots of channels. The WiFi is strong and fast. There was a huge rumbling and I thought the room would be too noisy. It was a hundred motorcyclists. After that, the room was quiet and dark.Comment:If Big Texan would get some polite, knowledgeable Texans at the front desk — and a reassuring reservation system — they would earn four or five stars.
I guess I got spoiled eating Amarillo Hut's butter chicken curry, weekly, and expected the new Indian restaurant or It's A Punjabi Affair to have the same or better butter chicken curry. I was over the moon excited to find out that another Indian restaurant was replacing the the popular Amarillo Hut restaurant, after they decided to sell the place. I walked out of my car to check out the new place, and saw that they redid the outside patio, which is an improvement and I give them kudos for that. It is much more beautiful to look at however the actual food is just plain terrible. Their butter chicken curry tastes so watered down, it is terrible. It made me almost want to spit it out and vomit.
The atmosphere is a large, very clean sports bar; light, fun and festive. It is family friendly and kids are welcome. The food is very good, like the burgers that are offered with the bacon already ground into the hamburger patty, cannot believe what a difference it makes in the taste. All the dishes my friends and I have tried have been very good.They have a wide variety of beers on tap and bottled. They also have a bar with some very good drink selections in addition to ordering your favorites. Weekends it is very busy and you could have a 20 minute wait. Parking is not bad and there are other businesses nearby that are closed in the evenings so you can park in their slots.
I have 'reI have lived at Ashton for awhile.Never had problems getting repairs and manager is very nice and willing to listen and help with any issues that occur. She is farManagement cares and completes any and all complaints/repairs in a timely fashion. An apartment should not be judged by personal attacks or vendettas against the manager. If you damage any apartment..you will have to pay for it. Some residents who have had problems created them. Shame on people who bring the manager's dead husband into all of it. Really????
I recently ate at this restaurant, a bit hard to find. Was at the Amarillo VA hospital, and wanted some good mexican food. This is the place to go. It is 3 blk east of Western, on the frontage road. I give it a HIGH, 5 stars. The salsa is home made along with a lot of the other items on the menu. If your craving good Mexican home made meals, this is the place to go... I will be returning and try a lot more of their wonderful food... Hope you do also
I had just started a new job and wanted to get my oil changed. My boss called me just as I arrived and I had to take the call. I told the man (whom I recognized as the boss/owner/franchisee from previous visits) that I wanted an oil change and he gave me the most expensive 5 lube option without asking, taking advantage of the fact that I was preoccupied on an important call. I had always gone to this location, but I will never go there again.
They have the best service! The manager and assistant manager do everything in their power to help you not have to be evicted. They try to work with you until they no longer can. Maintenance works hard to get your stuff fixed. I dont have a bad experience at all! The new management is awesome compared to where we were before they came in and nothing got fixed or done. Give them a try!
I had read the reviews and decided to try it..man I cannot believe how amazing the food, service,and the place is!! This shall be our place from now on..I would recommend the San Luis dinner and the Sonoran plate if you are really hungry but I am sure the rest of the menu is just as great! Very delicioso!!
WOW! I'm so glad we switched! Now that we are with Lupe I know that I have better coverage, she helped me to understand my policy. Not only did she save me $65 a month but she doubled my coverages. I feel like if I ever need her I could call her on her cell anytime. Thank you so much Lupe!
These apartments are great for someone that wants a comfortable place to lay their head. Great neighbors, laundry facilities on site, friendly staff. Plenty of spacious 1 bedroom apartments available. Love the charming apartments. Great apartment for the price.
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.