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…
4828 Blanding BlvdJacksonville, FL 32210
From Business: All Lines Insurance Agency is an independent insurance broker that has been serving the insurance needs of North Florida for 36 years. All Lines represents over 5…
5531 Roosevelt BlvdJacksonville, FL 32244
From Business: As an Allstate Agent in Jacksonville, I know many local families. My knowledge and understanding of the people in this community help me provide customers with an…
6506 Beach BlvdJacksonville, FL 32216
From Business: free quotes, Sr22, Fr44s, Non owners, Auto Insurance, Homeowners, Commercial auto, general liability, renters insurance motorcycle motor Homes and great service
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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Very sorry this dyson customer was upset there are two side of the story I talk to the customer on the phone he was using profane language that’s why I ended the phone call some people are vindictive I like dyson vacuum cleaner that why I am dyson service center I am warranty service center for many manufactures most vacuum store do not want to do warranty repair I am the only vacuum center that does dyson warranty repair in Jacksonville repairs and ordering parts take time I have been working in this business for 50 years I do good quality works at a fair price there was a dyson warranty service center in orange park who gave it up I ask why he told me he did not need the grief and the abuse from customer when my water cooler broke under warranty the center told me three weeks to just to look at I understand that repair takes time. I paid a man to build me a computer, I paid upfront and it took him five weeks to do it. I know repair takes time. Why did take him so long? Because he has a lot work and he is good at what he does and he takes time. The same goes for me: I take time in my repair work because I do good work at a fair price I work on thousands of thousands vacuum cleaners every year and have many happy customers. Some people are not happy or just bored to where they want to start fights. We do not fight with our customers. I forgive those whose trespass against me. We always tell our customers to have a bless day. I run a Christian business with Christian values. Michael Kelly VP of Allstate Vacuum Cleaner Company. Revised 3/1/14
Great Insurance deals. They always find me the best prices. The owner is always cheerful and nice, but the girls that serve you never smile and seem dreary. Sometimes, come off as rude. They also, take their time answering the phone or put you on hold for an extensive time. I own my own business and would not let my front end serve in this manner, or I'd be out of business. I know some customers can be difficult and sometimes frustrated. But "you attract what you reflect". my thought, ...It's like stamps at the post office, must have, so will tolerate. I've been a customer for more than 10 years.
Earlier this year, i had a house fire. I immediately called State Farm to inform them of my claim My agent, Mr Brooks, showed up at my house at 7:30am to help me with talking to the police, fire department and vendors that would assist with the clen up. i have had a few claims in my life but this was the first time my agent had ever shown up to help. i have not always been with State Farm but with agents life Mr. Brooks they truly are the good neighbor company. I would recommend Mr. Brooks agency to anyone who want personlize care from their insurance company.
Todd has been so helpful in working with my husband and I as we look toward retirement, and in advising us on the best way to help guarantee that we have adequate insurances as we get there. He has been a great pleasure to work with and has been there to call and advise us during the current economic downturn, when many other financial advisors would be reluctant to discuss it with us. Todd is a very honest and genuine person, who anyone would trust to handle their financial needs.
We had MANY changes (with a dozen phone calls) adding 1 more driver & vehicle and changing 3 other vehicles to our policy within the last month and received nothing but the best service; they are polite, fast, patient and helpful! THANK YOU for the awesome job and your everlasting patience as we blew up your phone lines. AND on top of all that reduced our insurance premium to less than half of what we had previously.
George Koury and all of his staff are top notch ... always willing to assist in any way possible ... very prompt and courteous from the top down. I feel very confident in knowing that they will always provide answers to whatever questions I might have. They are a real pleasure with whom to do business and I would (and have) recommended them to many other people. Thanks to you all for great customer service!!
Since our company has moved to NE Florida from New Jersey eight years ago, we have used George Koury and Assoc. as our insurance carrier. They have provided exception customer service, always being available to assist our employees with their group health care needs and questions. Jeff Ross has personally helped the writer with individual needs. Our rating reflects their servicing of our company.
Jeff Ross was very helpful in helping me make changes in our health insurance. If he did not know the answer to a question he talke to someone who did and got back to me. + The only time that it took to long to get an answer was when the staff was asked to handle something and I did not hear back from them. I emailed Jefff and it was taken care of immediately.
EVERYONE AT GEORGE KOURI IS VERY HELPFUL. THEY HAVE REPRESENTED US WITH OUR HEALTH INSURANCE FOR 2 YEARS AND WE FEEL VERY THANKFUL FOR THEIR ASSISTANCE. WHENEVER WE HAVE A QUESTION OR NEED THEY BEND OVER BACKWARDS TO HELP IN ANYWAY THEY CAN. THANK YOU JEFF, TIFFANY, CHEYENNE, AND GEORGE! CAROLYN ATLANTIC DISTRIBUTORS, INC.
Jeff Stoneking aka MrBrightway.com has been my personal insurance agent for my home, autos and boat for several years. As my needs have changed over time he has promptly and professionally shopped to find me the best policy choices. I trust Jeff Stoneking to continue to care to my insurance needs for years to come.
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.