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…
1223 Prairie StHouston, TX 77002
Wonderful company to work woth. They are on time and very efficient on getting the job done. Thanks Rosemary ffor the personal attention you give to all your clients.
1219 1/2 Bay Area BlvdHouston, TX 77058
From Business: Our team will answer your calls 24 hours a day and skillfully guide you through the bail process. From negotiating your payment and collateral issues to providing expert jail and court advice and posting bonds immediately, you can count on us to sort out your bond needs! Let our experienced team explain the bail bond proce…
Houston, TX 77002
I posted bail for son a month ago. The people at Blackwood are so friendly and very well organized. I was told a set rate and I paid exactly that. I have used other bonding companies in past and they ALWAYS give cheap quotes over phone but when u get there they add all these add'lt fees.
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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As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
THE WHOLE TRUTH AND NOTHING BUT THE TRUTH ON "REAL" LAWYERS: Recently I got into a bit of trouble. I've NEVER been in trouble before. It was one of those nights I've heard people say before like you were in the wrong place at the wrong time. A night out that you never intended to end up that way. Not nearly as bad as that movie "The Hangover" but similar as I woke up in Jail and had no clue how I got there! There I was in SERIOUS trouble with the law! I had to act immediately and I hired a lawyer that was recommended to me by a friend and without doing any research I hired him desperately...BIG mistake! Eventually I found out he was just wanting my money and telling me the things I wanted to hear at the time. After an appearance in court, I started finding out the information he gave me was not completely correct. Questioning him on it, he told me he would get back to me. I then had to follow up with his assistance several times with NO response from him! It was a firm and I never got the same lawyer on my court dates. I knew I was in trouble and I was SCARED! I eventually had to fire him after meeting with him about a list of complaints and misinformation that was given to be by the firm. He was what I later found out to be a paper-pusher type lawyer. The type that tell you all the magical BS words and mind games to make you feel like they care but really they want to do what will get them the most money and leave you with the outcome to your case that will make it easiest for them. This was a very reputable firm and I could believe how disappointed i was. This was my LIFE! I needed a lawyer to take it that seriously! Could this be the BEST I could hope for? I fired him and started searching for the "Real Lawyers." My search started online as I did as much research about my case and trying to select the right lawyer to interview. I soon found out that it was going to be tougher than I expected. After much research I narrowed my search down to three lawyers. The first was like my original lawyer that I had just fired promising me everything he could do and saying how easy this was all going to be. How easily he could win my case for about the same fee. The Second lawyer was charging a lot more money for my case and told me how difficult my case was going to be. He pointed out my charges and sternly asked if I knew the severity of them to the point of making me FEEL like I was guilty and a bad person. He promised to win my case but it was going to be tough and because of that it was going to cost more. The third lawyer was Chip Lewis and he turned out to be the one I would hire. Chip Lewis was the ONLY one to call me back himself. He also was the only one who looked into my case before he even met with me. The other lawyers told me to bring the paperwork with all the information I had. Chip took my case very serious and told me all the facts about what could happen to me with my case. His fee was just a little higher but realistic, and now I know he was worth every single penny! From the very beginning he was different than the others and worked with me side by side. I FINALLY felt like he was on my side and it wasn't me against my lawyer! It was US against the courts. He didn't make me any promises and told me he would work diligently to get me the very best outcome that we could get from the court. Chip Lewis had the knowledge and the wisdom to back up every single thing he told me to expect. He told me that it was innocent people like me who get lost in the system that he was working hard to try and protect. For several months he did work hard and showed up with me in court every single time. He called me back, not his assistant, and he worked hard for ME and HIM. In the end, he got both of my charges dismissed. It was a miracle and it was ALL because I hired a "REAL LAWYER" named Chip Lewis! Thank you Chip Lewis...thanks for my Life!
I recently was involved in a car accident with my child in the car. I was extremely nervous when it happened. My husband was out of town and I didn't know what to do. I know this sounds like a commercial, but it's just like you see on the television. I felt like such a victim. First, the guy in the big truck that hit me started denying it was his fault. I was so furious!! Whenever I thought of car accidents and lawyers, I always thought it was a form of exploitation and just lies. But let me tell you how wrong I was. At the scene of the accidnent, I was in SO much pain and at that same time, NO pain. I knew I was hurt, but I was so worried about my 9 year old, that I couldn't think of any of my own pain. She was crying so much and she kept saying, mommy, are we dying, mommy are we dying? She was also in so much pain and also kept saying, mommy it hurts, mommy it hurts. Then on top of that, the trucker man wanted to lie in my face! We went to the hospital, and got checked out. We were there for about 4 hours. They checked both me and my daughter out extensively. I had some major pain and a pounding headache. My daughter was cut on her arm because of the glass. They gave us all these pain medications. I called the insurance company (of the trucker) and they said there are conflicting statements. I wanted to scream!!!!! I then did something that I thought I never would do. I looked online for an personal injury attorney. I found Ramji & Associates. This was the best thing that I did. Attorney Ramji was so helpful. I made an appointment and my husband (who was back by then) and I met with the attorney. Because of his is also a doctor, he walked us through this like butter. He made the trucker accept liability and he settled our case for a huge amount. I never thought I would get that kind of money from an accident. I didn't even want any money. I just wanted to get the money for my Lexus (which was totaled!) and get all the medical bills paid. My insurance paid most of it, but not all of it. But my insurance ended up getting all their money back. If you ever feel like calling an attorney is the wrong thing, then you are doing the wrong thing by not calling. I highly highly recommend him! Diane Stein
Terry & Thweatt is a God sent firm. I suffered severe burns to my stomach when I was eating at a fast food restaurant. I looked up injury attorneys located in the Texas City area and came across Terry & Thweatt, so I called them but was politely informed by Irene, one of the assistants, that their office is located in Houston. Irene continued to get information regarding my injuries and then transferred my call to one of the attorneys, Joseph Terry. I was able to get an appointment that same day. Terry explained the process that we would be involved in and let me know that it can be a long process. Attorney Joseph Terry was patient and answered all my questions + all my girlfriend’s questions and concerns. I decided to give them a try and man am I glad that I did. This firm is by far the most professional and friendly business that I have had to deal with. Not only are they friendly over the phone but in person too. I know that I am not the easiest person to deal with but Irene was persistent, friendly and professional throughout the whole case unlike other places that are only friendly the first time that you come in to sign the contract. I am very happy with the outcome of my case and the services that Terry & Thweatt provided me with. I highly recommend Terry & Thweatt, especially Joseph Terry to anyone that needs a lawyer for injuries that they suffer because he is so knowledgeable and efficient. THANK YOU Joseph Terry and Irene!
Jack asked me to write this review and I am more than happy to do it. My brother Ricky was charged with murder of a police officer for the unfortunate death of a sheriffs deputy. My family and I pulled together and hired jack on the case, but because of the severity of the case we thought he would spend the rest of his years in prison. Needless to say Jack won the trial and my brother is at home to this day with his wife and children and not in prison like many other innocent individuals. Years later i myself made a terrible mistake, I was apprehended with several ounces of cocaine and a firearm by the police. I was offered 20 years, at my time of crisis i called jack and hired him for this case as well. I had a suppression hearing where I received differed adjudication, my case has since been dismissed soon there will be no public record of it. My partner that I was arrested with chose to hire a different attorney and received 20 years for the same crime. I saw a bad review on AVVO about Jack and it really pissed me off. I have been knowing Jack for at least 10 years and I have never met anyone that can say anything bad about him in his practice. Feel free to contact me if you have any question about Jack, I will be honest and try to help you or your family because I know what it feels like, when a family member or myself if faced with these serious allegations and the wrong decision could mean years of imprisonment.
Mr. Akers and the Cogdell Law Firm represented me when I was charged with felony theft. I was accused of stealing a bag which contained items belonging to off-duty police officers. A felony conviction of this nature would have prevented me from practicing my chosen career. Due to the gravity of the charges against me, I knew that I needed immediate, proven and effective representation. Mr. Akers began gathering information about my case as soon as we ended our telephone conversation and was up to speed for our first meeting. He laid out the best case scenario as well as worst case scenario and his recommended plan to resolve the charges against me. Cordt and his firm kept me appraised to every step that occurred with my case. They were able to reschedule hearings for me when I was absolutely unable to travel to Harris County for them. Cordt was available to me whenever I needed to get into contact with him. When the prosecution would not budge, Cordt had informed me that he had already been preparing for trial, in case that was the route I chose to take. Ultimately Cordt was able to get the charges against me dismissed, for which I am truly grateful. Requiring a criminal defense attorney means you are already in a stressful and worrying situation. I recommend Cordt Akers to lift some weight off of your shoulders and to guide you through the legal system, returning a favorable outcome.
I was fortunate enough to find Mr. Hernandez in time to represent me. He took the time to meet me on a Saturday, yes folks a Saturday, to discuss my case with me. He told me exactly what I was looking at; best case scenario - worst case scenario. He told me what to expect, but also told me what his strategy would be. He met me promptly at the court house, no sitting around waiting for hours for him to show up. He was VERY professional, articulate, and knowledgeable. I was looking at a serious charge that would probably have resulted in time in jail had I not hired Mr. Hernandez. I walked out of court that day! And I can honestly say that I owe it all to Mr. Hernandez. He is a very down to earth kind of guy, but he knows what he is doing. He treated me with respect and dignity; if I am ever (hopefully not though) in the position where I would need a good lawyer, Mr. Hernandez will be that lawyer. He was the right man for me and I highly recommend him to anyone in need of a good lawyer. I will also recommend him to anyone I know that may have to defend themselves in court. I truly can’t say enough to state how completely satisfied I am with the decision to hire him. Good luck to anyone seeking a lawyer, and at least call Mr. Hernandez. He may be able to do for you what he did for me.
I was referred to Attorney Melonie D. Jones in 2004. Melonie represented me in Family Court to receive full custody of my young daughter. Her mother had became fatally ill and past in 2003. I worked together with her mother’s parents or grandparents to care for my daughter. The grandmother was already very ill with lung and heart disease and ultimately became unable to care for my daughter and her mobility became severely inhibited. The grandfather rejected the idea of me having primary custody my daughter. This is when I was referred to Attorney Melonie D. Jones. Thanks, to Attorney Melonie D. Jones expertise, I received full custody of my daughter, who is now a healthy 12 year old; filled with many dreams and ambitions. She is now experiencing a good school and a great neighborhood; she is in school activities and a cheerleader for the little League Football team that I coach. Thanks to Atty. Melonie D. Jones, I am a very happy Father and I have a Very Happy Daughter!! Thank You and May God Shine His Face Upon You and Your Practice!!! Numbers 6: 24-26 24“‘“The Lord bless you and keep you; 25 the Lord make his face shine upon you and be gracious to you; 26 the Lord turn his face toward you and give you peace.”’ Warmest Regards, Marcus P.
I just want to thank the staff and attorneys at the Law Firm of Terry & Thweatt, P.C. My wife and I were involved in a personal injury case that required the assistance of legal professional s. We retained the services of Terry & Thweatt via a professional reference. We were very pleased with the professionalism and expertise demonstrated by this law firm. We were represented by Counsel Joseph Terry. The legal assistance provided by Mr. Terry was instrumental in obtaining results that far exceeded our expectations. The demeanor and attitude of Mr. Terry and his staff demonstrates that this law firm does what many other law firms repeatedly fail to do: Put the client’s interest first! Granted; our case did require a little patience. But what matters in the end are the results. Overall, the experience that we had with this law firm was a positive and pleasant one. It’s difficult to find attorney’s that are honest, straightforward and most importantly; client service driven. The law firm of Terry & Thweat clearly reflects a client service driven culture. Therefore, I highly recommend this law firm for such legal matters. Thank you again and keep up the great work! RS, Houston TX
When our previous State Farm agent relocated her office to another part of the city, we decided to look for a new agent located closer to our home. We called Manny’s office and were greeted by a very friendly and professional staff. We met with Manny in his office that same week to discuss transferring our policies, and adjusting our level of homeowners coverage due to a recent major renovation of our home. Manny was very attentive and had several good ideas as to how we could better calibrate our coverages and save some money. Especially helpful was his suggestion to have our remodeling contractor sign a certification statement confirming that our plumbing, electrical and heating & cooling systems had been updated. This suggestion alone resulted in a significant decrease in our annual homeowners premium! Any time we have a question about any of our eight State Farm policies (homeowners, 2-life, umbrella, 2-auto, personal articles, and long term disability), all we have to do is pick up the phone or email Manny…he is very accessible, extremely knowledgeable, and always quick to respond. We highly recommend Manny and his team!
CLIENT OF ATTORNEY MELONIE JONES A TESTOMY TO A JOB WILL DONE BY ATTORNEY MELONIE JONES. I WANT TO LET EVERYONE KNOW WHAT AN OUTSTANDING JOB SHE DID IN HELPING ME IN A CRUICAL TIME IN 2005 WHEN I WAS IN A CAR ACCIDENT. I HAD INFORMATION FROM THE OTHER PARTY AND MYSELF BUT I WAS NOT GETTING ANY WHERE WITH THE INSURANCE COMPANIES ON EITHER SIDE. I WAS REFERRED TO MELONIE JONES, THIS WAS THE BEST DECISION I COULD HAVE EVER MADE. I WAS VERY UPSET WHEN I WENT TO HER OFFICE, SHE LISTEN TO ME AND IN A CALMING VOICE TOLD ME SHE WOULD HELP ME. WHEN I LEFT HER OFFICE I CALLED MY MOTHER TO LET HER KNOW, HOW RELIEVED I FELT AFTER MEETING WITH MELONIE AND HOW COMFORTABLE SHE MADE ME FEEL. I WAS ABLE TO GET RESTITUTION FOR MY CAR. I ALSO HAD TO RENDER ATTORNEY MELONIE JONES SERVICES IN 2006 IN WHICH I RECIEVED RESTITITUTION FROM BEING HIT FROM BEHIDE. I HAVE REFERRED ALL MY FRIENDS, CO- WORKERS AND ANYONE I KNOW TO ATTORNEY MELONIE D. JONES. SHE HAS HELPED ME AND MY TWO BOYS TO HAVE TRANSPORTATION. MELONIE YOU ARE THE BEST!!! GOD BLESS YOU AND MAY HE GIVE YOU FAVOR AND INCREASE… THANK YOU FOR EVERYTHING TONI
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.