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…
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From Business: AAA-Cleaning & Hauling provides fast and professional 24 hour cleaning services to the Las Vegas, NV area. If you property needs cleaning then we're the people to…
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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The holiday festivities are over, but January doesn't have to be a drag. It's actually the best time to finish projects and organize your life – all while having a little fun.
Julie and I had an immediate connection because of her innate kindness and her caring. She understood the fear and worry I was experiencing and told me to turn it over to her. As you know there are many firms out there who say that they can help and all they do is take more money from a homeowner who is already in trouble and vanish. This was a fear of mine until I spoke to her. She was very detailed about what she did, answered all of my questions and responded to every e-mail or phone message I sent her. I found this to be amazing with the volume I knew she was handling and I appreciated her treating me in such a special way. Julie treated me as though the home was her own and that is what made her such a pleasure to work with. I genuinely thought that she cared and she has shown me that she does throughout our relationship together. Sometimes it was just a voicemail asking how I was doing or offering just to talk. This was over and beyond the call of duty and I want you and her to know how deeply I appreciated her always being there for me. I am glad that there is resolution to my case but I will miss working with my pal.
You would never find better service anywhere! We are new to Las Vegas and when transferring our insurance from CA to NV, we found Brian in the Yellow Pages. That was great luck for us! We had everything explained that we hadn't quite understood before, and really had an overall great experience there. Brian took so much time recommending businesses that he personally uses, and so far we have been very pleased with those dealings as well. We actually look forward to visiting his office and learned more about our new city than we thought possible in two weeks. We do consider him a friend at this point and cannot stress strongly enough that a visit with him could save you a lot of money and know that you have the proper coverage for both auto and home. Brian is fair about how much coverage you need as well as what you don't need. Needless to say, we are very pleased with his service and would recommend his service to all of my good friends and acquaintences as well.
My head office where I work in NY has a dozen of sub-companies in Las Vegas. As a result, every fortnight I have a trip to the city of lights. Definitely, I don’t have any car in another part of States, so one day, totally tired of using public transport (where everything just annoys me). I’ve asked my colleagues for advice about the cheapest limousine service in LV. And they strongly recommended me to order cars from «MW Travel Vegas». It was a brilliant idea! Firstly, all the cars are extremely comfortable: while my favorite choice Town Sedan ( https://limoscanner.com/partner-vehicle/1499-town-car-sedan-mw-travel-vegas/ ) is riding to a business meeting, I can write or correct speeches on my notebook. Secondly, MW Travel offers really the cheapest cars in LV! I am so used to this service, that I can’t even imagine my work and leisure time in Vegas without MW!
I was about to book a surprise trip for my anniversary online. Then I said to myself, "maybe that is not a good idea - what if something happens? What if we have flight problems, or get stranded in Mexico? Or need to speak with someone after I book it?" So, I called Vacation Planning Company and we talked price - turns out I was informed the hotel I was about to book on Expedia had very bad reviews. The agent gave me a few better properties, and the prices were the same! They even got me round-trip transportation to the airport during the trip. The agent ALSO gave me a direct email address and cell number in case anything happened during the trip. Well, as life goes, our return flight had issues - I text the agent and they helped get us on a new flight. Worked out great - HIGHLY recommend using an agent. I would have paid a premium for what they did.
We just bought a 2013 Nissan Altima and I swear we have never had such a wonderful car buying experience ever. We started off at Toyota and were given a sub-par deal; 12% interest and 4 grand on a trade in. We left scratching our heads because we knew our credit was better than that! The next day we went to Nissan and got 2.9% interest and 7 grand for our trade-in. Thaaats more like it! The 2 salesmen we dealt with didnt seem like salesmen in the usual sense. They werent like vultures, tryng to ram a deal down our throats. The finance guy was knowledgeable and funny, too. We will definitely return to buy our next car here and urge you to do so as well.
I purchased a 2014 Nissan Leaf from your Dealership on March 29th of last month. Gary and Art were both sale people who assisted me with my purchase. Needless to say, both Gary and Art did an outstanding job of explaining all of my options and all of the vehicle’s features. The Leaf is a complicated vehicle, as it has a lot of technology built into it, but Gary took the time to become familiar with it so that he could explain it to me on the day of delivery. In fact, his service didn’t stop on the day of delivery; it continued on for several days as he called, emailed and texted me to make sure things were going well with my new vehicle.
I can't say enough about this company. I have been in the Customer Service industry for more than 20 years, and when I find a company that is professional and goes above and beyond I have to spread the word. Not only were they professional every time that I called in to speak with them they found the best rates for my needs, and made the whole process easy peezy... lemon squeezy. I liked the whole experience so much that I signed my daughter up with the company as well. Thanks Insurance Specialist keep up the gr8 work. Georgette
If you are considering using this company for insurance here are just a few reasons not too. Rates continue to go up although you may be accident and ticket free. If you plan to use them for liability only they will not help you or even answer questions regarding an accident even if your not at fault. No explanation charges on your policy. Payment reversal request done when the company feels like it regardless what the tell you on the phone. Many many more reasons. Pay a little more and get a better policy from some where else. And you can't ever get through to them on the phone.
Tengo más de 5 años comprando mis boletos de avión en Acapulco Travel y siempre he encontrado buenos precios, además sus trabajadores son muy amables. El año pasado mi familia y yo nos decidimos a agarrar un paquete para Cancún y ellos nos encontraron un hotel muy bonito y los vuelos estaban súper bien, también nos ofrecieron varias opciones para excursiones en el área y nos salió mucho más económico agarrarlas junto con el paquete que en el mismo parque ( fuimos a Xcaret y Xplor). Yo recomiendo esta agencia porque es de mi entera confianza y estoy muy contenta con su servicio.
I was referred by a friend of mine to Greg Freund with Farmers Insurance and I can’t say enough about how great they are! First of all, every time expect once, when I have called someone actually answered the phone and was able to help me right away and the one time I did leave a message I got a call back right away. That is what I call customer service. They have GREAT RATES…I was able to get a Auto, Renter, and Life Policy with them for the less than I was paying with my previous insurance company. Recommend them?…you bet 5 stars!
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.