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…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
Great apps and resources that can help make you the master of headache-free pickups and dropoffs.
Jennifer Hubbs, the agent at this location is a nice person and has her office staffed with helpful and pleasant people. However, exercise extreme caution when insuring your belonings with State Farm. I made a claim for a broken windshield and State Farm refused to pay the full amount to fix/repair my vehicle corrrectly. They tried to have me fix the vehicle at an unqualified glass repair shop that was not even versed in the proper replacement procedure. I was forced to spend hours of my own time researching how to have the glass properly installed. At the end of the day, I was out of pocket my deductible (completely fine) and over $300.00 of my own money to have my vehicle repaired. I spent hours on the phone with various members of the State farm team in different parts of the country trying to get my vehicle fixed correctly. The majority with the exception of one of the reps., were rude, condescending, and arrogant. My agent told me she was powerless to assist me in getting State Farm to do the right thing and fix my vehicle. So again I was forced to pay my deductible and an addtional $300 plus dollars. In this case State Farm was "Not like a good neighbor, and was definitely not there for me". Proceed at your own risk.
Chris, cant say enough about Dustin Moomau and Kristin Schultz. When Dustin called I was reluctant at first but the more I talked to him the more I liked what he had to say. We just about went with Quicken and Loans and something told me no. I had him talk to my husband and he liked what he heard to. I would like to say I liked the idea that both Kristin and Dustin came to my home. Kristin has done a fine job. If we have any questions she is good about getting back with us. She keeps the ball rolling. She makes me feel quite comfortable and that is well appreciated. Hopefully this insurance isn't a problem.Kristin and Dustin thanks you ever so much both Roger and myself think your awesome and you delivered as you said you would.
WOW! CAPITAL WOW at that. Working with Randy Woods was just awesome. Even though we ran into a situation with our taxes he was very patient and continued to work and support us throughout. Where most agencies would have said, glad you called but call back when you get it fixed, he took the time to look at the situation, understood what happened and put a plan in place to get and keep things rolling. He has been the most professional person my wife and I have worked with. I would highly recommend him and Foundation Financial Group to anyone. He was quick to respond to any of our questions, was clear about what was needed and guided us through the entire process flawlessly. Absolutely great to work with.
I will not agree with others below and am pretty sure those reviews aren't even real! Feel free to reach out to me if you want or need someone to talk to!As a matter of fact, Greg responds quickly at most times of the day!!! Especially when my website was trying to launch, that was the most lengthy and trying process because I've always created my own "cheesy" websites, but now I'm stepping up my game and the sky's the limit it was hard to narrow stuff down. Finally... through emails and phone calls we got it! I appreciate the hard work and effort!! I definitely couldn't have done it without them!
We want to thank you Sean for the pleasant experience with refinancing our home mortgage. This was our first experience with obtaining a mortgage over the telephone and internet. We are from an older generation and were skeptical about the process at first, but it turned out to be a wonderful experience. The only time we met anyone in person was when the attorney came to our house to close the loan.We were impressed by how professional, personable and honest you were. We felt like you had become a friend and were looking out for our best interests.
I've had multiple websites with OHS Publishing since I found them in 2004, and no matter what ideas I've come up with to promote my business, their advertising has been able to get me more traffic and more top search engine rankings. Even though t I've advertised in competitive market places, they've still bought more traffic to my site, which created more sales, and that translated to more profits to my bottom line. I'm always happy to recommend OHS Publishing to my business associates.
I have been working with Greg at OHS Publishing on my small business website for a several months now. He is EXTREMELY knowledgeable and has been a wonderful asset in assisting me with how to build my website, what works, what doesn't, and he always has found a way to integrate exactly what I want on my website while balancing the SEO needs of my website. I would highly recommend OHS Publishing to anyone interested in a new or updated website or help with SEO.
Knowledgeable, helpful and creative!! Highly recommend!! Greg and his team are absolutely top notch when it comes to web site design and search engine optimization! He is also very helpful with social media education and he is extremely economical. He really loves what he does and his passion shows in his work. He also gives FREE educational seminars to non-technical companies and business owners. If you own a business you MUST contact him!!!
Wonderful experience! Greg was profesional and prompt, and I am already recommending him to colleges who need a website done. Any time I contact Greg he would get back to me almost immediately. When I talked with him about what kind of site I wanted he turned around and delivered exactly want I wanted and needed in quick time and at an extremely affordable price. Will definitely be doing more business with OHS Publishing.
I have consulted with numerous webmasters over the years and OHS Publishing is the best of them all bar none. From start to finish, Greg is fast, efficient, creative, dependable and he gets the job done. His prices are fair too! I have already recommended Greg to others and they are thrilled with his work ethic and work product. OHS Publishing will get more assignments and referrals from me in the future.
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.