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…
7445 Us 287 HwyArlington, TX 76001
I purchased a F-150 through eBay and through slight of hand and a healthy knoledge on their part on how to exploit the eBay system they closed the auction insted of accepting my offer. After purchasing two plane tickets I realizd they were trying to sell me a 2WD truck as a 4WD truck. I terminat…
Po Box 171566Arlington, TX 76003
From Business: Miracles Never Cease, Inc. formally doing business as Miracle Auto Painting and Body Repair will now do business under our new name: Texas Auto Painting and Collision Repair Miracles Never Cease, Inc. (MNC) dba Texas Auto Painting and Collision Repair is the same ownership, management, and employees as before. Our Arlingto…
2404 Garden Park CtArlington, TX 76013
From Business: Since 1952, Texas Farm Bureau Insurance has been protecting members' moments--the big, the small, and the everyday. Headquartered in Waco, Texas, we serve more than 400,000 member families through our 250+ offices statewide. We have more than 800 multi-line agents and over 300 claims personnel who are ready to serve our me…
3925 E Jefferson StGrand Prairie, TX 75051
From Business: We are a family owned and operated business established in 1968. Since our start, we have expanded to 4 salvage yards allowing us to offer a vast and diverse selection of inventory including Ford, Chrysler and General Motors parts as well as foreign and late model American parts updated on a daily basis. We pride ourselves…
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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Home security comprises a number of different technologies, tools and techniques. Choose one that fits your needs and your budget.
I purchased a 2008 Hyundai Accent at Mycarman and I can confirm that they deserve all the positive reviews. Staying in Texas for 1 year (I'm French, and I'm here for a 1 year contract), I was looking for a reliable car at a great value through West Division Street, Arlington, TX. When my wife and I arrived to Mycarman, we were impressed by their inventory and their prices (especially compare to the other dealerships on this street). The same thing with their staff and their office (very friendly staff, no pressure to buy and answering all our questions, free carfax available,...). When we decided to buy a car from them (at a very attractive price), they were really helpful (especially for us, because it was our first car in the US, so we needed help for the paperwork, the insurance,...). Everything went perfect.The most important part comes after. Few days after our purchase, the check engine light came on and at the first refill of our tank we had trouble to start the engine. Really disappointed (especially with the fact that in Texas you buy the car "as is"), we went to several repair shops and look on the internet and we figured out what was the problem. We decided to go back to Mycarman and they told us the check engine light was indeed on when they had the car and that they had sent it to the repair shop to fix it. Being an Evap system code, it implied a lot of parts and it seemed the part replaced wasn't the right one or at least not enough to solve the problem. As soon as we explain this to Zima, he took the car to their repair shop and changed the part (the purge valve) at their own expense. My problem is now fixed and I have no problem to start my car anymore when I fill the tank.We were dreading to purchase our car in the US and we definitely not regret our choice of buying it at Mycarman. We will definitely recommend this place to our other French fellows looking for a car in the future.Merci à toute l'équipe de Mycarman !
The agency has all types of personal, commercial and business insurance policies. The James C. Miller Agency is the personal and commercial property insurance agency to turn to for the best coverage: for Auto Insurance, Home Insurance, Renters Insurance, Life Insurance and Personal Umbrella Policies. He has a full line of Commercial as well. Commercial Property, Commercial General Liability, Commercial Auto, Commercial Professional Liability, & Commercial Tennants Liability. From a minor mistake to a major financial loss, Nationwide's business property coverage is there to protect your business. They will protect your business' physical assets, whether you own your building in Arlington or surrounding cities, lease your workspace or work from home. That's why business property insurance is one of the most important investments ensuring the long-term needs of your business. Nationwide even has you covered if you have commercial or rental building property in Arlington, TX to protect: Your equipment and furniture, Others' property ? Your products or inventory ? Your building ? Your landscaping and fencing They understand that my business is rapidly changing and growing. They can adjust your commercial property insurance policy to fit the specific needs of your company. With a free risk assessment tool they find out how you can supplement your business liability protection. Superior service with Nationwide Insurance. As a Nationwide Insurance customer, I am entitled to 24/7 claims service, superior customer service, free loss control service and the financial stability that comes with an A+ rating from A.M. Best. Contact my Nationwide Insurance agent today for a free personal or business insurance quote customized to suit your needs. Call James C. Miller at the James C. Miller Agency to see how we can provide you coverage in Arlington, TX.
I'm writing this review especially for anyone that is thinking of buying a car long distance. I found my 08 Toyota Tacoma Crew Cab at Champion Motors online at Autotrader.com. It was one of the lowest mileage that I could find on the web and priced thousands below what people were asking (these trucks go for a premium). I sent an email inquiry and Ray (the owner) responded promptly. I had probably about 2 or 3 back and forth emails with questions and Ray was always very detailed and thorough in responding to my questions. It took about 24 hours and I decided to make the purchase. Now I wasn't financing this, so I was a little concerned about sending a cashiers check for $19,000.00 to someone I'd never met or even spoken to on the phone. I did thorough research through online reviews and the Better Business Bureau of Arlington TX. Champion Motors had an absolutely flawless record and I could not find one legitimate negative review about them (trust me when I say I did my research); they were all great reviews! So Ray prepared and emailed all the paperwork to complete, I signed everything and enclosed a cashiers check and sent FedEx. Ray alerted me as to when he received the check, I arranged for transport shipping and 3 days later I'm looking outside at my truck! The truck was received as Champion Motors had described and I couldn't be happier. Super smooth simple process with Ray and a great product that Ray himself personally stood behind if I wasn't happy. If you have an opportunity to buy a car from Champion Motors, from my experience, this is a no brainer. I write this review because people are so quick to complain, but we need to recognize the good businesses out there. Thank you Ray!
I purchased a 2004 Volvo XC70 from Fares Auto sight unseen over the internet and had it delivered to me. I recommend that no one else buy a car from this dealer without seeing it first. Danny was very nice and provided prompt service until the day that the car was purchased. As soon as he received the check, communication became very scarce. It was several days after the purchase before I was provided any information on how the vehicle would come into my position. I had to call his cell phone and the dealership repeatedly over the course of 3 days to get information on shipping.It took a week and a half after the check has cleared before the title arrived in the mail. Before purchasing the car I inquired over the phone about any flaws the car may have. I was told there was only a small dent by the front driver’s side door. When the car arrived there were a few dents and several scratches all round the car as well as huge crack in the rear passenger side window. (the scratches are expected on a 10 year old car but the frustrating part is that he never mentioned them) The center counsel was also broken off. After several attempts to contact him I was finally successful and he told me he was unable to work with me on the cracked window. Also the decals and emblem on the rear door were completely different than the decals and emblems in the picture of the car that the dealer had posted online. At first I thought he shipped me a completely different car but the VIN number matches up. He must have switched out the trunk door with another Volvo before shipping the car. On a positive note the car is very clean and seems to run well. PLEASE USE CAUTION WHEN DEALING WITH FARES AUTO SALES.
By far the best experience I've had in car buying.... I was referred by our pastor to this lot after he bought a car. He claimed to have met "an actual honest dealer" in dallas. I have to admit, I really didn't have a lot of confidence in this analysis of a dealer-haven't had much luck in buying used cars. I found myself in a bad situation recently when the transmission in my wife's car locked up. This left us sharing one car and I'm ashamed to say that our credit is not that great due to me being laid off 2 times in 3 years. I went on cars.com and found like 10 good reviews from customers so I decided to take my pastor's advice to visit them. I ending up getting approved for a 2007 Infiniti G35. I really can't believe we got something so nice with our credit. It was probably the best experience I've had buying a car-even when my credit was good. I know you generally are treated better at dealerships when you have good credit, but Rene treated me like I actually was the best credit customer on the planet. My wife and I have been telling everyone about these guys (and girl). I will mention that the driver seat in my car stopped going forward and backward 2 days after we took the car and I called told Will about it. He ordered me a new part of some sort to correct the issue and fixed for free. I was really surprised at this as well because I don't know of many used car dealers that will actually personally warranty the car after someone buys it. GREAT GREAT GREAT PEOPLE! I wish them all the blessings in their business! -Gomez Family
Please excuse me for my late entry, although the wait has definitely served as proof to my purchase at MyCarMan! I had purchased a Lexus IS350 from this dealership nearly 7 is months ago. I had found the vehicle online, and took full advantage of the free carfax featured on their website (which is presented for all vehicles in their inventory). The pictures proved true in person-- and as a perfectionist, I was surprised at the immaculate condition. Sooner than expected, I knew this was the vehicle I wanted to take home. Zima and Sami were willing to work with any questions or inquiries I may have had involving the vehicle in its entirety. The purchase remained literally hassle free, as Zima remained in close contact as I gathered the appropriate paperwork for the transaction. As a family owned business, they remained more respectful than any dealership I have dealt with prior. They are undoubtedly top tier when it comes to customer satisfaction. With spending months researching for the best deals on Lexus IS across the country, I was surprised when this gem was hiding in my own backyard here in the DFW area. Friends and family alike can not believe the deal I had received on this amazing vehicle thanks to MyCarMan. As mentioned above, I have had zero problems, surprises, or mishaps with my Lexus since its purchase 7 months ago! I would highly recommend this dealership to anyone I know. Definitely save yourself the headache, and make your next vehicle purchase at MyCarMan. Thanks again Sami and Zima,-Bobby R.
I've never felt compelled to rate or review a company before, but I feel obligated to praise Will and Rene for helping me get a car. I recently went through a divorce that consisted of 2 repos and late credit card payments. I literally sent my credit application to 11 different dealerships that claimed to help people with bad credit. Two different dealerships called me claiming I was approved and when I got to the dealership, they tried to switch me from a Nissan Maxima (that I wanted) to a Chevy Cobalt and a Kia Forte! That's when Rene called me to invite me to come visit their dealership. I was taken back by her honesty-told me upfront that I would be facing a high interest rate and payments. Everyone else promised me the world and delivered a Cobalt just to get me to come into their dealerships. Rene was so kind and sympathetic to my situation. She never made me feel like a "bad credit customer"-she was always happy to answer my questions-good and bad. The thing I respect the most of my experience with Dallas Auto Sales is that no one tried to switch me to different, cheap, ugly, microscopic, car. Will fought very hard to get me approved on a Maxima. I had to go with a cheaper Altima but at least it was a comparable car to the Maxima. I was never pushed to change my mind or settle. I wanted to share my experience because these people really deserve to be blessed!
I just want to comment on the most pleasant experience I have ever had in purchasing a vehicle. Shawn was friendly, trusting, and super easy to work with. He worked with us to make the sale on Labor Day. He allowed my wife and I to take the 2005 Honda Civic LX for a test drive alone, something we didn’t ask for. First time that has ever happened to me. It is refreshing to drive the car without the person trying to sell it sitting in the back seat. The vehicle was in Immaculate condition…which is a word Shawn had used on the phone and was the exact word to use to describe it once we saw the vehicle, inspected it and test drove it. The pricing of the vehicle was so good I did not even bother with haggling, the vehicle looked and drove that good. I had just seen vehicles with substantially more miles and a year older going for more at Carmax, Rusty Wallis and Bankston Honda. I also want to thank Shawn for the extra key and remote he threw in to satisfy my 1 request. The car continues to run great and still looks immaculate. My daughter is very happy with it. Not only was the shopping experience the best, it was also the shortest. We spent about 45 minutes including the test drive and paperwork. Now when have you ever bought a car at a dealer in 45 minutes? Auto Paradise Texas is where I am looking first next time I want to buy a car! Big thanks and Good Luck in the future!
This review is long, long overdue and we would be remiss if time was not set aside to thank you for making our car buying experience exceptional.This was our son’s (Connor) first vehicle purchase and we wanted him to experience every aspect of vehicle shopping – boy, were we in for a surprise ourselves!! Suffice it to say, if we had not found Auto Paradise of Texas, the experience would have ended and buying a vehicle put on the back burner. We had all but given up and made up our minds this was the last truck we would look at…knowing this would turn out exactly like all the others.Hallelujah!! Auto Paradise of Texas and Shawn and Jennifer Hoover. Amazing!! Everything on your website was TRUE. Everything you told us was TRUE – - the truck was EXACTLY as your website said, the video showed, and you told us. Your professionalism, courtesy, and relate ability are without equal and what sealed the deal – we were sold, but after talking with you both, knew we were advising our son correctly.Thank you for the mission you are on with your dealership and your honesty and integrity. Because of our experience, we tell everyone about you and will come to you for future vehicle purchases! Sincerely,Daryl and Kim S.PS Conner L O V E S his truck! “Axel” is awesome and a wonderful addition to our family!!
Shawn & Jennifer,Looking for a car for my son in college had become an ordeal until I contacted you about the 2003 Toyota RAV-4 you had for sale. When I saw the car, it was exactly what your ad and video had described. Your records of previous ownership, service and registrations were complete and precise. Even the make ready work done by your shop was well documented. Your no haggle pricing was very fair. Jennifer made filling out the paperwork a breeze. She even showed me how to buy an extra remote on line and gave me the instructions on how to program it. After I bought the car, and you were showing me how to change the tire, you noticed that the spare tire cover was defective. You had it sent out and repaired at no additional cost to me.I can’t tell you both how much I appreciated doing business with you. Your honesty and integrity are unmatched in this business. I would recommend you to anyone I know who is seeking a reliable car. It was so nice to drive away in the car and not have to worry about what else I had to do to the car to get it ready for my son. I have never had a more enjoyable car buying experience.
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.