What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
1814 Ave M 1/2 #3Galveston, TX 77550
9520 Seawall BlvdGalveston, TX 77554
From Business: Our main goal here at Mobile Brake Service is to give our customers the lowest prices, and the convenience of not having to go in to a Brake Shop and wait in long lines to just be over charged. We will come out to your home, work place, or wherever is good for you. We just need a sold flat surface to work on.">r the Lowest…
1310 E League City PkwyLeague City, TX 77573
From Business: Need Windshield Replacement or Auto Glass Repair, call League City Auto Glass Repair Service at (281) 205-4897 today for your free quote, same day windshield installation and Free Mobile Service?
444 E Medical Center BlvdWebster, TX 77598
From Business: Webster Auto Repair Services, we are the experts in auto repair in your area! We can provide services with transmission repair and complete car care - clutches, brakes, factory scheduled maintenance, electrical, check engine lights, radiators, overheating problems, a/c and more. Don’t hesitate and call us today!
2900 FM 528 Rd #200Webst, TX 77598
From Business: Auto Repair Service in Webster, we are the experts in auto repair in your area! We can provide services with transmission repair and complete car care - clutches, brakes, factory scheduled maintenance, electrical, check engine lights, radiators, overheating problems, a/c and more. Don’t hesitate and call us today!
1001 Pineloch Dr #1100Houston, TX 77062
From Business: Houston Emergency Auto Repair And Service, we are the experts in auto repair in your area! We can provide services with transmission repair and complete car care - clutches, brakes, factory scheduled maintenance, electrical, check engine lights, radiators, overheating problems, a/c and more. Don’t hesitate and call us toda…
116 E Edgewood DrFriendswood, TX 77546
From Business: Auto Service And Repair Friendswood, we are the experts in auto repair in your area! We can provide services with transmission repair and complete car care - clutches, brakes, factory scheduled maintenance, electrical, check engine lights, radiators, overheating problems, a/c and more. Don’t hesitate and call us today!
2070 Genoa Red Bluff RdHouston, TX 77034
From Business: Auto Repair Services Houston, we are the experts in auto repair in your area! We can provide services with transmission repair and complete car care - clutches, brakes, factory scheduled maintenance, electrical, check engine lights, radiators, overheating problems, a/c and more. Don’t hesitate and call us today!
19425 E Highway 6alvin, TX 77511
From Business: 10 plus years experience in all aspects of RV repairs. From new roofs, A/C's, Electrical and plumbing, and appliances.. I come to you. Insurance work and Estimates. Thousands of satisfied customers. References available.
1322 Underwood RdLa Porte, TX 77571
From Business: Mobile Auto Glass La Porte. Your windshield is crack? And you need to replace it NOW? Call us today! We have the best replacement technology in the area with ready to go professional technicians. We provide different services for your auto glass: 24/7 Emergency Auto Glass Replacement, Auto Glass Repair/Replacement, Windshi…
105 W Edgewood Dr #102Friendswood, TX 77546
From Business: Auto Glass Chip Repair La Porte. Your windshield is crack? And you need to replace it NOW? Call us today! We have the best replacement technology in the area with ready to go professional technicians. We provide different services for your auto glass: 24/7 Emergency Auto Glass Replacement, Auto Glass Repair/Replacement, Wi…
15711 Gulf FwyWebster, TX 77598
From Business: Mobile Auto Glass Houston TX. Your windshield is crack? And you need to replace it NOW? Call us today! We have the best replacement technology in the area with ready to go professional technicians. We provide different services for your auto glass: 24/7 Emergency Auto Glass Replacement, Auto Glass Repair/Replacement, Winds…
801 9th Ave NTexas City, TX 77590
Benny and his crew are extremely trustworthy and helpful. They get to the bottom of the problem in a timely manner and give you fair pricing. I had a problem with my Jeep Patriot 2015 and had taken it to the dealer multiple times for them to tell me that nothing was wrong. After leaving it with …
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?
No matter whether an accident involved a freshly licensed teen or an experienced driver, knowing what to do (or not do) is essential to bouncing back.
First of all...Mark IS TRULY A CROOK! Initially, he was recommended by someone who had just taken their car to him. I have a 2004 Honda Accord that he worked on the a/c on. Cost me close to $300 and after driving it only a few blocks, it started driving warm air again. I turned immediately around, and took it back, only to have it tell me..."feels cool to me." I certainly know hot from cold...especially in the deep of Summer! After much back and forth, he worked on it again, only to say that it was "a belt" and he could fix it for another $200. I declined. Fast forward...I had another problem with my starter I paid to have it towedthere. Mark called the next morning to tell me that he could fix it. I had already priced the part but didn't tell him that. He fixed the car, only to charge me $75 over what the price of the part was at O'Reilly. He purchased the part so I was told that he got a discount (that he did not pass on to me..he wasn't honest about it). He went on and fixed the car and didn't tell me that it was done until after it was over. I was upset and told him. He then told me that he has to charge extra "to pay for his utilities and the parts that they use!" And even though there is a lifetime warranty on the part itself, because he purchased it and it's in his name, I may have difficulty in the future if I need to replace it. Work of caution....DO NOT TAKE YOUR CAR HERE!
My Beamer didn't start one morning. I called AAA but they said they can't do anything, I need a what they said a new starter. I called around and Tony gave me a good price. 5 star service. The car starts beautifully now. They made the process super smooth. I love these guys!
A friend recommended TONY'S INTERNATIONAL AUTO CARE. I checked out the reviews, YIKES! Turns out MOST Of the bad reviews are for the OTHER TONY & BROS AUTO SHOP down the street? Kinda sucks.. :/Anyways, just wanna share my great experience. I had some trouble on my wife's Mercedes c300 2009. It is a very expensive car, so I just want to make sure it was taken care of by the best. Tony was very polite. Took care of my car in an appropriate amount of time. Wife is back on the road! Thanks TONY & crew!! :D!!! As the car gets older, will definitely come back for preventative maintenance!
Got a chip on a Saturday, give Sal a call, drove to his location and received immediate attention. Friendly fast service at a fair price. Can't even see there was a chip. Great job, thanks.
Horrible service I would recommend never taking a older car to this location. They will charge you a ridiculous fee and not do they work requested.
This place is the most inappropriately named car repair place ever. We were referred by another place in town after they could not work on a foreign car we had. Biggest mistake ever. This place worked on my partner's Kia to try to diagnose a noise in the rear. After replacing the shocks, the noise was EXACTLY the same. But then the owner Mark just pretends like the noise did not still exist. Then Mark is asked to diagnose a problem with a Toyota Tacoma that is most certainly related to the exhaust system/catalytic converter, but ended up insisting that if he replaced spark plugs and an engine coil, the problem would be solved. We checked the code again and the code says malfunctioning engine coil and he is not feeling responsible to fix it despite the fact we have had the car back not even 24 hours. This guy is a charlatan. Do NOT take your car here. Now waiting on a tow truck to get it fixed somewhere else. Plus, now I will never use the place that recommended him to us either - that was Tony Bro's Auto and Wrecking....stay away from them to if they are going to direct people to this guy.
They know how to repairs cars but they charge dealer rates by the hour instead of the job rate set by the Chilton Parts and Labor Estimating Guides. They charge the current dealer rate of $85 / hr. Certified mechanic shops charge $75 and independent shops like this are normally charging $65 an hour based on the time estimate in the Chilton guide. The job they did for me rated 1 hour in Chilton's guide, but since they had the car in the bay for three hours they charged me for two even though they only worked on it for less than an hour. I understand that is how good mechanics make out-if they can finish a job in less time than the average quoted in Chilton's then great for them. They still get the hour charge. That should be at the shop rate here not the dealer rate of $85 an hour (and for 2 hours) for a one hour job at the shop rate of $65 an hour for the whole hour.
They worked on my car while I was in town and did great work. I got home safely thanks to them so they absolutely have my recommendation for good service.
Miguel Arabia and his crew at Dr Detail in Galveston are great. I even see you in my Sunday school class.. My brother in Christ and a pleasure to do business with. If anyone reading this needs a mechanic in Galveston... Miguel Arabia with Dr Detail is your man.
We were in town visiting family with my wife's car and it started making some serious noises so we took it here. They got us back on the road quickly and were very accommodating to our schedule.
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.