What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
120 N Water StLoudonville, OH 44842
From Business: Located in Loudonville, Ohio, Farmers & Savings Bank has been providing banking products and services to customers in Ashland County for more than 75 years. The b…
112 N Bridge StPerrysville, OH 44864
From Business: We focus on commercial and personal banking. Whether you need a small business loan, or would like to refinance your mortgage, our team of experts can personally …
In the event of a disaster that affects your home and property, what are your options?
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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They make everyone feel welcome and part of the family...
"Another show-off," thought Gregor. But the guy gave him such a friendly look that Gregor decided not to jump to conclusions. Luxa was annoying, but most of the other Underlanders were okay."My cousin, Henry," said Luxa shortly, and Gregor wanted to laugh. Here among all these strange names was a Henry.Henry gave Gregor a low bow and came up grinning. "Welcome, Overlander," he said. Then he grabbed Gregor's arm and spoke in his ear in a dramatically hushed voice. "Beware the fish, for Luxa plans to poison you directly!"Vikus and Solovet laughed, and even Dulcet smiled. It was a joke. These people actually had a sense of humor."Beware your fish, Henry," returned Luxa. "I gave orders to poison scoundrels, forgetting you would be dining as well."Henry winked at Gregor. "Switch plates with the bats," he whispered, and at that moment two bats swooped into the room from the High Hall. "Ah, the bats!"Gregor recognized the golden bat Luxa had been riding earlier. A large gray bat fluttered into a chair near Vikus, and everyone else took a seat."Gregor the Overlander, meet you Aurora and Euripedes. They are bonded to Luxa and myself," said Vikus, extending a flexed hand to the gray bat on his right. Euripedes brushed the hand with his wing. Luxa and her golden bat Aurora performed the same exchange.Gregor had thought the bats were like horses, but now he could see they were equals. Did they talk?"Greetings, Overlander," said Euripedes in a soft purring voice.Yeah, they talked. Gregor began to wonder if his fish dinner would want to chat as he sliced into it."Nice to meet you," said Gregor politely. "What does that mean, that you're bonded to each other?""Soon after we arrived in the Underland we humans formed a special alliance with the bats," said Solovet. "Both sides saw the obvious advantages to joining together. But beyond our alliance, individual bats and humans may form their own union. That is called bonding.""And what do you do if you're bonded to a bat?" asked Gregor. "I mean, besides play ball games together."There was a pause in which glances were exchanged around the table. He'd said something wrong again."You keep each other alive," said Luxa coldly.It had seemed like he was making fun of something serious. "Oh, I didn't know," said Gregor."Of course, you did not," said Solovet, shooting a look at Luxa. "You have no parallel in your own land.""And do you bond with the crawlers, too?" Gregor asked.Henry snorted with laughter. "I would as soon bond with a stone. At least it could be counted on not to run away in battle."Luxa broke into a grin. "And perhaps you could throw it. I suppose you could throw a crawler....""But then I would have to touch it!" said Henry, and the two cracked up."The crawlers are not known for their fighting ability," said Vikus, by way of explanation to Gregor. Neither he nor Solovet were laughing. He turned to Luxa and Henry. "Yet they live on. Perhaps when you can comprehend the reason for their longevity you will have more respect for them."Henry and Luxa attempted to look serious, although their eyes were still laughing.
My spouse and I are so dissatisfied because this FIRM is so unprofessional in the way they sell their service to: Doctors, Dentist, and Healthcare providers in fact I have listed our issues with this “So called Comenity Bank”! Your Bank must understand that what you do to their customers reflects on them and not to your; (Comenity Bank) cause you are a third party contractor for your customers and not the other way around.ISSUES1. We called 3 times for changing our address since: (March 4, 20, April 5 2018) did not Change!2. our Billing Statement went to our old address with the USPS yellow sticker with new address!3. This has been done for the past (3) months.4. We called again to try to change our address only to have snooty Call Center agents and been and laugh at several times.5. Your statement is so hard to read and understand just like: (FIA, Citibank, and Synchrony Banks) 6. This reflects non-professional and miss leading to your Clients or (Customers)7. Their customers makes there decision based on your firms attitude from firms they do business with! Only see the plan their Doctors or Healthcare they are using.SUMMARY:With the above comments are upsetting with us the we are going to another Hearing Firm to do business with, but first we are going to ask if they do business with: “COMENIT – HEALTIPLAN” then we will go to another Hearing Company until we find the Firm that does not do business with your FIRM.
I have had no problems with this company at all ! The Agent I deal with is extremely nice and answered all my questions ! She explained the policy to me throughly. I can call her at any time with any questions I hve . Anna made it extremely comfortable and went out of her way to make sure when I left tht I was completely satisfied........Thanks
If I could give negative stars on Rob I would. We moved from Columbus, OH to Florida in June 2017. I contacted Rob well in advance of our move to get insurance switched because the health insurance we had in Columbus wouldn't work in Florida. Rob assured me everything would be handled in time, I had to call him repeatedly because I couldn't get him to send me quotes. When he finally did we chose a new policy same day ( the week before we were scheduled to move) When I called in to pay the first months premium Florida BCBS said you should have made this premium payment 2 weeks before the policy was scheduled to start we cannot take your payment. So I talked to rob he said no worries we will just cancel that policy and start a new one. Well here we are 3 months later and BCBS is denying my first claim (for taking my 5 year old daughter in for a physical to start school) because they say we are a month behind on our bill. I have been working with rob to get this fixed but rob filed the wrong appeal forms so now we have to pay the premium in order to continue health insurance. We now have to pay for a canceled policy of health insurance for a month that we DID NOT have access to health insurance in order to fix our current situation. I would advise anyone who has half a brain in there head to find a diff. broker. Rob doesn't return calls barley at all after you are signed up with him and is not capable of fixing problems that he creates. YOU will be stuck paying the bill. RUN RUN RUN from this guy!!!
I'm so dissatisfied because y'all let a evil person open an account in my damn name. Now I have to fight to straighten up my account and credit report because of this person. I don't understand why I got to send my important things to y'all but y'all didn't asked that female no type of prove that she is the real me.
Others have said it much better than I could. But overall I was unimpressed with their service. Made multiple calls asking for information to make a loan payment and was told don't worry if it is a few days late since they didn't send the paperwork. Then they started calling me asking where the payment is. And they need an "approval" for loan payoffs. WTH? Won't use their services again.
First of all I CAN NOT get to a real person on any of your phones. I do not have an ext # or a name. That is what I am trying to get. You have a house on 249 Kilby Shores Dr. in Suffolk, VA. I have been trying to get in touch you about this house for 3-4 mos. I would like to try and buy it from you.Please call or e mail me at firstname.lastname@example.org or call 757-334-2109Thank you
SO MANY OTHER credit unions or banks WITHOUT FEES. Telhio charges MORE FEES than the worst bank you know. I'm finished - today I received an account alert after I debit charged in store this am. I get home and immediately transfer $$ to cover shortage (MIND YOU I HAVE $$$$$THOUSANDS IN MY SAVINGS ACCOUNT) SO THEY flipped TWO internet payments to after my debit charge so they could charge me $35 2x. Those 2 payments were already listed as paid in my account when I transferred $$ I will pursue this through every regulatory agency and beyond until I get my account credited. YEARS AGO they would transfer $$ from savings to checking automatically. STAY AWAY SOOOO MANY OTHER BETTER CHOICES for your banking - that WANT your business
Making change at Georgesville Rd BankI'm 72 years old and needed change for a $20 dollar bill. So I thought I would stop at this Huntington Bank on Georgesville Rd branch. I walked in and ask the lady teller for change. The first thing out of her mouth are you a member? No, I said, well then we can not make change. I said that I never heard of such a thing. Both tellers just looked at me and smiled. I was very upset and apparently my face showed it. I was about to walk out the door when the door appeared to be locked shut? I looked at them and they just gave a grin as to say go. I will never go to a Huntington bank that has very poor customer service. I then went to a PNC bank and they didn't ask if I was a member and promptly gave me change.
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.