What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
16933 Canal RdClinton Township, MI 48038
I chose Garfield and Canal Service based on the positive ratings and comments that I read on line and feel grateful that I did.Jeff had my car towed…
50945 Design LnShelby Township, MI 48315
From Business: Meineke is your one-stop shop for all of your car care needs. Visit us today or save time by scheduling your appointment online at meineke.com. Contact us for inf…
100 New Century PkwyNew Century, KS 66031
From Business: Leaf Spring * Leaf Springs * U Bolts * U-Bolts * Add a leaf Timbren * Leveling Kits * Coil Springs * Coil Springs * Energy Suspension * Polyurethane Bushings * Tr…
163 Hubbard StMount Clemens, MI 48043
From Business: * We Buy Late Model Wrecks Junk Cars & Trucks * Free Towing * Nationwide Locating * Computerized Inventory * Full Line Of Used Auto & Truck Parts * Domestic & For…
700 Cesar E Chavez AvePontiac, MI 48340
Totally amazed at the speed of the convertible top replacement on my fiance's Chrysler Sebring. Not only was it done well before the quoted finish t…
In the event of a disaster that affects your home and property, what are your options?
When a car is damaged by an accident or weather, what can be repaired and what must be replaced? Or is it time to buy a new car?
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
One of the best in the business. You don't stay open for 41 years by not having great customer service. Family owned and operated and always a pleasure to see because they know their parts and get them to you fast. They also have a great vehicle detailing business in back.
Probably the worst mechanic I’ve had to encounter thanks AAA. This “owner” is a rude, called me a brat because I called him out on his lie, everytime we tried to work with him there was an issue. Just not a professional place brakes xpress up the street is way better but again triple AAA forced this encounter and NEVER AGAIN give your money to someone who treats you with respect
I would honestly give zero stars if possible. Absolutely TERRIBLE experience. Had our car for almost two weeks and had still not done a thing. Everytime we call we get some excuse about what they’re doing now and never get an honest update. They tried giving the car back after a few days originally and claimed it fixed and said “its making a noise. Not sure if it’s a normal one or the same one you were hearing” and charged us the full amount. Didn’t even drive a a quarter mile down the road and we had to turn around and take it back. What kind of shop says something like that? As a shop, it’s your job to make the noises go away. Not hold the car for a few days, claim it’s fixed , charge someone and then give the car back without correcting the problem and then pretend like you have to look at it again.In total they had our car for 2.5 weeks. And when we picked it up they charged us another couple hundred dollars. AND they lost the wheel lock key. How incompetent can one place be?! I’ve never dealt with such an awful shop. And now theyre telling us WE have to go tot he dealership to order the new key and provide an invoice. YOU lost it and we have to waste our time and gas to fix the mistake?! I don’t understand how this place is still in business.They are terrible at following up with customers to let them know what’s going on with the car. If you call for a update, seeing as the don’t ever call you, they give you some run around or straight up tell you they’re too busy to answer. They make it seem like you’re inconveniencing them by calling.This has been an absolutely awful experience and I would not recommend this shop to anyone ever. Absolute joke. Go somewhere reliable and that actually cares about the customer, won’t lose your parts, and will rectify their own error. Avoid at all costs.
George, his father and his employees are trust worthy people, they do good work and can virtually do it all quality diagnosis and repair. I would recommend action auto to anyone.1 year later and my car is still running great after the first job they did for me, but I was in need of some suspension work so I came back. ( Grand Marquis ) Again they did a fantastic job and quickly might I add. They were quick about my timing chain replacement last year too.If ethics are important to you in your mechanic and you are in the Macomb County Area then there really isn't any other choice then Action Automotive. I hadn't visited the shop for over a year and George remembered me immediately. If you are looking for a shop that has an small towns charming friendly service but in one of the largest counties of the state Action is for you. I can't really say enough nice stuff about George his father and his employees. I've been to a lot of shops over the years because I always own used vehicles and none has ever treated me or my vehicles with the respect they deserve.If you lack car knowledge, and are afraid of getting duped or scammed you wont find that here ethics are paramount to this family business and it shows. George even got his degree in criminal justice before returning to work at the family business. You don't need to ask to see your pulled parts it's standard that they show you every nut and bolt they replaced you could even take the metal for scrap. If you depend on your vehicle and it needs work I really recommend you give Action Automotive a chance, whether you need the daily driver to get the kids into school or need your truck fixed so you can get back to the job-site asap George and his father have got your back. There are no special coupons, no gimmicks, just the kind of service and mechanical knowledge that builds repeat customers. If you visit you'll end up like me and telling everyone you meet with car troubles they should take it to Action Automotive
I wish there was a way to give a negative score.HRG hired my company to do some work at their properties. They owe us thousands of dollars and are pretending that our company doesn't even exist. Larry is a boldface liar and a scammer looking to benefit his company. As a contractor if they call you to do anything at one of their properties, decline their offer unless you like giving away weeks of your time and effort.
Sheila cares about what it is your looking for in a hair cut and you get the results you are looking for. Happy customer.
This was a horrible experience. After paying them $240 and 4 visits to my house, I still don't have a working ice machine! It was initially one problem and paid to replace those parts but it was installed incorrectly the first time and then they came back out and re-wired correctly but it still didn't fix the problem. At this point they said it was a different broken part and another $150 to repair. This is a 10 year old fridge that I would have never invested $400 to repair just the ice machine so they kindly said they could see if the company would return the original $200 part and were going to let me know. They never called and when I reached out to them, had no idea who I was. I explained and they set up a time that they would come get it but then never showed up and never returned me messages. DO NOT try to get appliances repaired by them if you don't want to waste a lot of time and money. So much for trying to hire a nice family business.
I brought my 2005 Pontiac Sunfire in for a repair on the instrument cluster my speedometer stopped working. George was very helpful in explaining how a cluster panel works it is a very nice place they fixed it for a very reasonable price I would recommend them and I would take my car back for any repair. Debra LeRoy
I REALLY wish I would have read these reviews before going to this salon and letting Anthony touch my hair!!! He did the EXACT same thing to me that I'm now reading here.... did a full color when I wanted highlights stating my hair was too long and that "the best thing to do would be to start over". I could have handled the color (definitely not what I wanted) but then he proceeded with the haircut. When he showed me the back in the mirror it looked extremely choppy and the "medium layers" went in a straight line across the back of my hair, looked terrible. Then this is where I made second biggest mistake. I asked do you think you could blend the layers (really a layer) a little bit? So then he proceeded to cut and cut and cut without saying a word and when he was done the beautiful long hair I HAD was gone and the horrible layer was even worse!! All he said was well "you can still put it in a ponytail"!!!My hai looks ABSOLUTELY AWFUL and I am going to be so embarrassed to go to work (or anywhere else for that matter). Not to mention I have brown hair dye covering the entire frame or my face, which I'm sure will quickly come off (I hope) but how sloppy, uncaring and inexperienced can someone be that supposedly has 18 years of "experience" be?? PLEASE if you like your hair at all or care about how you look when you leave a "salon" DONT let him touch your hair!!!Oh and I almost forgot to add he said the same thing to me about how wonderful and up to date his products are so there was no need to leave the conditioner on for any period of time and then proceeded to yank my hair out with every pull of the comb!
Jenna is amazing with curly hair! My daughter went to Jenna....Best haircut she's ever had. If you have curly hair...you know what I'm talking about :)
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.