What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
422 N Imperial AveEl Centro, CA 92243
Professional service and always doing what is best for the clients. great service
240 N Andreasen DrEscondido, CA 92029
From Business: Collisions Plus is proud to provide our customers with quality, care and craftsmanship in collision repair, restoration and vehicle customization. We guarantee al…
7842 Engineer RdSan Diego, CA 92111
From Business: Welcome to Kearny Mesa Auto Body, your premier automotive body repair specialist. We have been proudly serving San Diego County, California, since 1972. With our …
7473 BroadwayLemon Grove, CA 91945
From Business: Whether you are an experienced painter and/or body repair technician, or someone just trying to repair their own vehicle, we can help. Here at Body Shop Supplies …
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?
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Was here for 6 hrs with bleach in my hair they killed my hair and after I talked to the owner she wasnt willing to help until I said i was going to make a fb review I got my money back never do I say I wasnt going to make a post when I did the owner called me threatening to sue me for giving my opinon and saying she knows where I work at
I went there at 10:20 am they were suppose to open at 10:00. They still were not open, people standing outside started calling the number. I went to have breakfast at McDonalds. When I finished I went back and sat in lobby, I was ignored for 15 minutes, then asked "what do you want a hair cut?" I replied "yes please that is why I am waiting", they didn't say anything I was ignored for 10 more minutes. I finally stood up and said excuse me they continue to ignore me. I the repeated myself at least 4 times finally the guy turns and says what? I said do you have my wait time for a haircut? He paused and gave me a nasty look "one hour!" he says... Wow... alright, I walked out what a waste of my time. Basically I wasted about an hour was ignored and treated badly. I was curious about this new business now I know, don't go there its terrible.
Horrible office!!!! Found out the girl that did my taxes last year, Somer, wasn't even licensed to do taxes. Went somewhere else this year and had them go over last year's return only to find out that I missed out on a $1800 credit. This place is ghetto!!!!!!! Don't waste your money. They don't know what they are doing!!!!!!! There used to be a guy doing taxes there. He's gone I guess and he was the only one I would go to.
Worst pedicure ever. They want to charge extra for everything. If you say you don't want to pay extra for calluses ($5) they do not scrub your feet at all. If you say you don't want to pay extra for longer massage ($5) they do not rub feet/legs at all. If you don't want "special" polish ($5) you get only 1 coat of polish, no base coat no top coat. If they had done all the things properly like at other nail shops, I would have tipped at least $10 so she would have gotten the money for herself instead of the shop, and I would have left happy instead of dissatisfied and leaving bad review. We also had appts which were not honored. Had to wait 30 minutes before they even helped us even though we had appointments. 3 days later, my polish is already coming off.
I have been at the Nailz Place to get my eyebrows done several times and one time a lady who was waxing them gave me very thin, short eyebrows. We complained to the manager and the manager said we did not have to pay so we didn't. I gave them another chance this time with a different woman who did a good job and I came back only to that lady more than three times. Today however, I was very unsatisfied because we waited twenty minutes before getting asked what we wanted and we kept asking at what time the lady would be free. The manager, a very rude man who barely knows how to speak English said he had four ladies who were in charge of doing eyebrows did not want to because I supposedly always complain and never pay them. He did not stop there he said if I wanted to get my eyebrows done I could come back fifteen minutes before 9. Keep in mind I was there around seven. I was frustrated and left after my mom tried to defend me. After being disrespected the way I was I won't ever go back.
After reading some of the reviews I think some people need to get their heads straight. I just did business with them Tony did a wonderful job on getting what I need and the rest of family where great very kind and extremely knowledgeable and courteous and I'll be doing business with them for a long time
Maria Silva is the best hair stylist
Ruiz Insurance agency is a reliable source in where you can find a lot of information about life insurance and final expenses. Do not hesitate to call Hortencia Ruiz for your life insurance and Final expenses.
Never have I ever encountered rude people. Pedicure was horrible / rude : I had to ask them to give me the 3 min massage I was paying for.. They tried charging me extra! Beyond rude rude rude! I'm only giving them a star because I have to to submit this-
Horrible job on my car, my sisters and in-laws. My car all the bumper parts were not all there and it came off. The paint on all 3 cars had drips and within one year began to chip, my in-laws paint began to chip after 5 months. We all took our cars elswhere to get re-painted. Friendly staff but behind the desk they don't know what they are doing. Save time and hassle go somewhere else......trust me.
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.