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…
11635 Pellicano DrEl Paso, TX 79936
Desert East Animal Hospital is AWESOME!! I have been taking my ferrets to Dr. Klein for over 13 years now and I simply would not think of going anywhere else! She is very knowledgeable, truthful, and compassionate. I have also seen the wonderful level of care that Dr. Hopp and Dr. Nenni provi…
118 W Castellano DrEl Paso, TX 79912
I had an appt. for three different test to be done there. I expect to be waiting hours in between tests but to my delight I was in and out of the whole process in an hour. The scheduling clerk had me scheduled for one right after the other. The personnel was very nice and professional. All in al…
10820 Gloster CtEl Paso, TX 79935
From Business: Emergency service available. Install overhead doors, garge door openers, gate openers, grills and shutters, rolling steel doors, store fronts & malls, airplane hangers, high speed doors, and dock equipment.
12000 Mccombs StEl Paso, TX 79934
This course is usually in very good condition and there are 27 holes, which allows for variety. Green fees are very low for this type of course. The golf staff is very friendly and a course like this in another town would cost twice as much to play.
9300 Montana AveEl Paso, TX 79925
I don't recommend renting an apartment here. Looks are decieving, a few residents here that have met had told me it's not a great place, that they took long to do repairs and changes. I did fill out a form to let them know that the carpet was dirty, and the sink was leaking.Later to find out it'…
6450 Escondido Dr.El Paso, TX 79912
The instructors and staff are very pleasant here. It is VERY child friendly. Staff is eager to answer questions, calls are promptly returned if missed. The class hours are convenient. There is a comfortable waiting room with coffee, snacks, toys, reading material, etc. Prices are quite reasonabl…
3800 N Mesa St Ste D4El Paso, TX 79902
From Business: Mexican imports including silver jewelry. Souvenirs. Mexican clothing. TALAVERA. Pottery. Embroidered dresses and blouses. Mexican FOLKART. Gifts. Unique gifts. RETABLOS. Mirrors. Home decor.
6080 Surety Dr Ste 101El Paso, TX 79905
From Business: The commercial lending market in EL paso. Texas is AS diverse AS the people WHO populate this city. OUR vision of providing premier. NON traditional lending services is uniquely designed to serve the needs for EL paso. Texas. OUR commitment to YOU is to deliver these services through OUR philosophy of working creatively wi…
1421 N Lee Trevino DrEl Paso, TX 79936
From Business: We are El Paso Premier Dance Studio. We offer hip hop, contemporary, ballet, jazz, vocal classes, musical theater, popping, and breakdancing. Our mentor ship program not only focus on each students individual growth in technique and discipline, but we also focus on personal growth of each student.
1861 Robert Wynn St Ste AEl Paso, TX 79936
From Business: We promote good oral health through comprehensive examinations. Our exams include an oral cancer screening and gum exam. Dental treatment is tailored to fit your needs. Treatment is delivered in a caring, non threatening, and professional manner. We see both adults and children starting at 6 months of age. We accept paymen…
1641 Billie Marie DrEl Paso, TX 79936
From Business: Desert View Middle School, governed by the Ysleta Independent School District, serves students in grades seven and eight. The school s academic curriculum includes language arts, English, math, reading, science and history. Its fine arts department includes orchestra, choir, keyboarding, band and theater arts. Desert View …
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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Hope. That is what Dr. Farnam gave me when I visited him for my first initial consultation. I was referred to him for a second opinion for endometriosis. Months earlier I had been told the permanet resolution to my pain would be a complete hysterectomy, ovaries and all. I felt uneasy and confused about taking this route especially with the removal of my ovaries. Dr. Farnam patiently heard my concerns and explained the different treatment options available including the DaVinci Robotic surgery for a hysterectomy. After a few visits and being educated more on my condition, I decided to have the surgery. Dr. Farnam gave me hope simply by telling me he would do everything he could to save my ovaries, even if just one. As it turns out, he was able to save both. I am now in my 6th week of recovery and feel great! I was allowed to go back to work in two weeks time with a few restrictions: 8 hour work day and no lifting over 30 lbs. The best part is that the DaVinci Robotic surgery left only 3 tiny puncture scars. Can't tell the surgery was done through my belly button! Ladies, I highly recommend Dr. Farnam. He is a humble, top notch doctor you can trust. His persona radiates down to his warm, friendly, compasionate and professional staff. I am very grateful to Dr. Farnam and his staff.
Hello my name is Katie and I’m 32 years old, there are so many wonderful things I can say about Dr. Farnam and his staff. From the moment you step foot in his office it is a calming, friendly, and professional environment. I presented with heavy periods, sharp pelvic pain, and unbearable monthly cramps. After seeing multiple doctors in El Paso and being prescribed many pain killers throughout years, Dr. Farnam was the one that was able to diagnose me, help me and guide me throughout the whole procedure I needed. Dr. Farnam diagnosed me with Endometriosis and preformed surgery on me using the Da Vinci robot. On my end the surgery was fast, minimal down time, and the end result is no more pain and four very small healing incisions. I was kept in the hospital overnight and myself as well as visitors were amazed that I was up and walking around so soon. I would definitely recommend Dr. Farnam to anyone in search of a gynecological physician. Dr. Farnam is highly qualified, sympathetic, listens to concerns, and answers questions in a thorough manner. Now I am pain free and I couldn’t be happier! I thank Dr. Farnam and his staff for everything they have done for me.
Dr. DeSantos Has been my Doctor for the past 6 years and I have nothing but gracious words to say about her and her staff. I have seen other Doctor’s before I was recommend to see Dr. DeSantos, after my first visit I can honestly say that I felt very comfortable with her. I have seen Dr. DeSantos for different issues and everything has been explained to me detail by detail, I have been aware of every step that will be taken and what procedure if any will be needed. This is also true to any cost that I might have to pay due to my deductible, everything is always explained to me up front and I have always been aware of every cost to include what I will be responsible for. Dr. DeSantos has always been patient with me, and any questions that I or my husband have had she is quick to respond to us. This is also true to her staff they have always been very professional and courteous, even at times that I must admit I have not been in the best of my moods they continue to show their professionalism. I highly recommend Dr. DeSantos and have recommended her to family and friends; and as I they continue to be patients’ of hers. Thank you Dr. DeSantos.
Apartments are brand new but were built with cheap materials, and it shows. I moved into a brand new unit and the new appliances were already breaking. The complex is right on Lee Trevino and you can hear the traffic all night. Our neighbors had issues with vandalism of their property and kids from the low-income complex next-door using OUR pool, jungle gym, and throwing rocks at cars. I saw cops coming to do incident reports on several occasions. However, those are not my biggest complaints. The management/office staff here is literally NON-EXISTENT! I think there is only one lady to begin with, and she couldn't care less about your satisfaction. Forget about trying to reach anyone at the office. Forget about putting in a maintenance request and getting a response -- even when you go so far as to leave a message on their "emergency maintenance" messaging service. They literally avoid you and take WEEKS (not exaggerating) to get back to you, and are very unapologetic. The only time you can get anything done is if you call the LEDIC company until they answer their phone. I am moving out as soon as my lease is up and never looking back!
There are not enough words to begin to express how grateful and appreciative I am of Dr Farnam and his staff. He is an amazing doctor, who exemplifies compassion and commitment to excellent care for his patients, he has such great humility and he really cares about your well being but most of all he LISTENS to your concerns. I recently had a partial hysterectomy performed by Dr Farnam due to multiple Fibroids that I had suffered for many years. I have had past surgeries from different doctor for the removal of the Fibroids, they continued to reoccur so I knew the decision to have a partial hysterectomy had to made sooner than later. By speaking with Dr Farnam he explained what the surgery entailed, which made me feel at ease, and at peace in making my final decision to have the partial hysterectomy. I as well as my family are so appreciative of Dr Farnam and very grateful. There is no other doctor I would want to render my care. Dr Farnam is one of the best... Dr Farnam’s also has a great staff who are always friendly and very professional
Z PLACE APARTMENT HOMES ARE NOT HOMES. THEY DO FEEL WARM WHEN YOU FIRST CHECK THEM OUT. TRUTH IS, THEY ARE INFESTED WITH PESTS AND HAVE DEADLY PLUMBING ISSUES. I AM ABSULUTY SURE THERE IS MOLD BOUND TO BE SOMEWHERE IN YOUR APARTMENT HOME. NOW, I DID SPEAK TO LOUIS ABOUT THESE ISSUES AND HE WAS KIND ENOUGH TO EXPLAIN AN APOLOGY. I THEN I ASKED HIM WHY DOES HE HAVE THE COURAGE TO WORK HERE? LOUIS THEN TOLD ME THAT HE ENJOYS HIS EVERYDAY LIFE LEASING PEOPLE AN APARTMENT AND THAT IS HIS JOB DUTY. I DO THANK HIM FOR BEING A TOUGH SPORT DEALING WITH ME AND WITH TWO OTHER RESIDNECE THAT WERE IN THE OFFICE TO PLACE IN A WORK ORDER. I FEEL BAD FOR THE YOUNG GOOD LOOKING GUY. Z PLACE FIRST APPROUCH IS DEFENITYLY PROFESSIONAL. I DO RECOMMEND FOR YOU AND YOU’RE FAMILY TO STAY AWAY FROM Z PLACE SO THAT WAY THEY CAN FIX THE ISSUES BEFORE MOVING PEOPLE INTO THRIE “SPACIOUS TOWNHOMES”
WOW! THIS IS A FIRST CLASS INSURANCE AGENCY FROM A TO Z. THE STAFF WAS SO READY TO HELP ME AND ANSWER ANY QUESTIONS I HAD, ITS THE FIRST TIME I FELT I ACTUALLY WAS INFORMED ABOUT THE COVERAGE AND INS I WAS BUYING. BTW THE OFFICE IS AMAZING WONDERFUL DECOR AND VERY MODERN I WAS OFFERED A BOTTLE OF WATER THE MIN I WALKED IN...REALLY NICE TOUCH! AS A STAFF MEMBER ATTENDED ME THE AGENT STEPPED OUT OF HER OFFICE TO GREET AND INTRODUCE HER SELF. AFTER A BRIEF CONVERSATION WITH MS. GONZALEZ I KNEW I HAD COME TO THE RIGHT PLACE! IF YOUR LOOKING FOR AN AGENCY WITH A POSITIVE ATTITUDE AND STAFF THAT ACTUAL KNOWS WHAT THEY ARE TALKING ABOUT...PLUS ALL THE PERKS THAT COME ALONG WITH BEING PART OF THE AGENCY...SERVICE SERVICE SERVICE...BUSINESS OWNERS HAVE REALLY DROPED THE BALL ON WHAT CUSTOMER SERVICE IS...THATS DEFINETLY NOT HAPPENING @ THE DELMA GONZALEZ INSURANCE AGENCY!
Bill Reyes Realtor Mr. Bill Reyes has guide us in everyway he could when it came to purchasing our first new home. He has gone beyond his means and description of performing his job. He takes his time as he was the one buying the home for his family. I'm greatful for having Mr. Reyes as Realtor, from the first time we met him he took us under his wing and help us obtian our home. Still after we have already move into our new home, he keeps in contact and make's sure everything is giong smooth. I strongly recomend Mr. Bill Reyes to anyone that has in mind to purchase a home. From day one he show us he was in it for us not himself, he made us feel comfortable. He made all phone calls to make the process quicker and he contated everyone we needed to come in contact with, Mr. Reyes is a great relator but not to forget an amazing person.
My wife and I have been with Belinda McKay and ARP for over five years. If I was not impressed I would have left long ago, but my wife and I are totally impressed. We have even recommended her to friends and family. The rental rate that she has given us (10%) is quite a value. She has marketed our property well and it is always rented. I do not remember a period longer than 20 -30 days that it has not been rented. She is very prompt to notify us of issues and quickly handles concerns with our property. Recently, she handled a traumatic event with our renters even though she was out of town. We were impressed with her empathy and bias for action during this trying time. Also, the repair and maintenance companies that she contracts are very reasonable and do good work. Vincent and Heather Frausto
I am in the United States ARMY, and once we found out that we were going to do a Permanent Change of Station. We had hear many great things about Belinda McKay through some close friends. We decided to proceed with ARP and were immediately impressed with Mrs. McKay's professionalism. Once we moved we were concerned about getting tenants in, our house was rented in two weeks. The transition was seamless and we were always kept informed about the status with our property. Being a service member having the peace of mind knowing that everything is taken care of for you is a great plus. We will proudly continue doing business with Belinda McKay and Action Real Properties. We highly recommend ARP and Belinda McKay to anyone who is looking for a positive 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.