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…
16454 Bolsa Chica StHuntington Beach, CA 92649
From Business: Edward Jones is an investment firm that believes your financial goals deserve a face to face conversation. We can help you prepare for retirement, save for educat…
1006 E Vernon AveLos Angeles, CA 90011
From Business: We are a complete electrical service company that has been in business for many years. We have been recognized for providing outstanding services at very affordab…
11911 San Vicente BlvdLos Angeles, CA 90049
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
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As part of the important inspection phase for the purchase of my home last Spring, I found Smart Choice Electrical (SCE, Robert and his helpers) from the Internet (the usual Yelp, Google, etc.). I know I want an electrician that has been doing business locally (SGV) for a number of years -- meaning no legal problem and complaints, etc. that they have to move to other new turfs. [Disclaimer: due to time constraint at the time, I did not really perform much contractor license checking, business name changes, and other business background investigations so do your due diligence as usual.]I invited SCE and also an AC /electrical contractor that installed my folk's AC system (that also did a good job and other repairs but that is a different review all together). Both parties promptly accommodate my invitation and provided free estimate among other second inspections.As a typical 70 years old SGV home with outdated and somewhat dangerous tube and knob wiring and an often faulty electrical panel model, both contractors pointed out the obvious and provided rough estimates for what the home inspectors had reported.I actually chose SCE and his helpers over the competent AC folk because Robert impressed me with his understanding of local SGV electrical code and insisted on his solution to relocate the panel (pointed out by the inspector report and my intuition) even though it appears to cost more initially than the AC folk would quote. Before of their estimates, I was able to obtain sufficient fund in the escrow from the seller to pay for the panel relocation.Robert answered all my technical questions satisfactorily (I have a electrical / computer engineering background) and lots of not so relevant questions like smoke detector in the attic for safety, installation location choice/decisions tradeoff, lighting choices, etc. Robert even spent more than 1.5 precious hour helping me to decide where the new panel could be installed to allow for flexibility for future house expansion construction.After almost 1 year of installation with no issue whatsoever, I can truly say that Robert and his folks did an excellent job with the relocation and installation of the new panel (and also proper grounding. etc.) among other little bonus things that they also performed:Robert recommended and explained the advantage of LED bulbs including dimmer (probably not compatible with most existing dimmer unit); SCE also helped install the track lighting in the living room; they even replace the exterior AC wiring and the corresponding raceway cover; SCE finished all these within the original estimate/budget and slightly ahead of schedule so we could move in on time.I would definitely invite Robert and his crew back for the balance of the electrical work that I know I would like to do to bring the wiring up to date such as proper grounding for each sockets, replace tube and knobs completely for all lighting. I would definitely recommend Smart Choice Electrical to any homeowner who will want professional, courteous, and on-time electrical service with integrity.
We continue to get intercom calls even though we moved out 9 months ago and asked them to delete our number. Crazy, cuz it never worked when we lived there! They keep ignoring our request to remove our #. This, and many other reasons, is why I am writing this review, I don't want anyone else to suffer.In the 4.5 years I lived here, they hiked the rent twice and had 4 different managers.Positive Points:-New kitchen, floors, bedroom carpet-Secure parking (although bikes were stolen)-Pet friendly-Returned our deposit in a timely manner after moving outNegative Points:-Old bathroom needed many repairs-Repair calls take many months before fixed-One of two washing machines was broken most of the time-Bad seal on front door - you can hear everything clearly outside-Olympic so noisy-Door directory always broken-Repairmen don't always speak English (Google Translate ftw)-Repairmen rude (one cleared the clogged tub and took pictures of the gross mass he removed and called his buddy to tell him about it)-Repairmen can be inept - they cut a huge hole in the bedroom wall to fix another tub problem and they never fixed the wall. We told the management and just taped up the removed drywall with painters tape and they never fixed it to the day we moved out.-The internet is unstable because of "noisy lines" - needed cable repairman 3x-They rented us a fridge for $20/month. This fridge was so old, and must have been left behind from previous tenants. It was noisy and didn't keep things cold. We bought our own fridge and the management made us dispose of their fridge while continuing to charge us $20/month. I'd like to say it was easy to get back the money they accidentally overcharged us, but it wasn't.Note for pet owners: there are fleas in this neighborhood. We always used Frontline and flea baths to take care of our pooch, but apparently not everyone else does.
I recommend Fox And Fox in full spectrum and on all levels of service. 10 years ago, I hired Fox And Fox for my divorce. It was an ugly divorce which lasted 4 years. My former wife's and her attorney's goal was to deplete my assets by relentlessly litigating everything. She even tried to gain sole custody of our daughter and concurrently obtain a kick-out order against me from my house. The divorce battle was damaging to my health and I simply was drained monetarily and emotionally. After going through 5 attorneys, I was referred to Fox And Fox. Frank and Claire saved me from misery; they, who work amazingly together, changed the litigation game; I won back my child and was awarded primary custody of my daughter; I was able to kick-out my former spouse from my house - this was a new release on my life; and spousal support was reduced because Frank and Claire Fox uncovered her true earnings which she concealed during our marital action.3 years ago, I hired them, again, after my parents passed away and I was the designated trustee of their Trust; the beneficiaries challenged me by jointly filing a petition to remove me and requested that I be surcharged. They made false claims that I had mismanaged trust funds; I had manipulated my parents and unduly influenced them to modify their Trust; I had commingled funds and stole them. I was shattered by the beneficiaries' claims. The beneficiaries attempted to set aside the Trust. Claire and Frank Fox, again, changed the litigation game, and aggressively defended me. It was a mess and they provided the defense I needed. Thanks to Fox And Fox, I am still the trustee
I was referred to the Habashy Law Firm by my uncle who is a very hard person to please. He went on and on about how great of a lawyer Mr Habashy is. His office is in Los angeles and i live in Orange County so initially i was looking for someone local. But let me tell you, i couldn't be happier with my decision to retain the Habashy Law firm. There are so many great things to say about the Habashy Law Firm and Mr. John Habashy. He's an attorney with heart and principle. He will not take your case or your money if he doesn't think he can help you. His honesty is unmatched knowledge of the law and his ability to "think outside the box" along with his experience makes him the best at what he does.There are so many great things to say about the Habashy Law Firm and John Habashy. He is VERY hard working, determined, intelligent, clever, confident, and honest. Mr Habashy and his whole staff gave me their undivided attention whenever I had a question or any concern and was sympathetic to me, but don't let that sincerity fool you... They were very aggressive in court and defended me to the fullest against the opposing counsel and their tricks. He took my case and won, when I did not think I even had a case to begin with. John settled my case and provided me with a better life financially. There are no words that I can express that would justify the amazing work that John and his amazing legal team did for me, and I will be forever grateful to them for giving me justice and a better quality of life.
The toughest job was to find useful, intelligent attorneys who will stand by me with values, principals and integrity. No doubt all attorneys are expensive. I recalled the opposing counsel who I hated so much because Frank O. Fox and Claire S. Fox were so dam good in litigation that they wiped out my previous family law, divorce attorney. After I lost my divorce-marital case, I thought why not hire those amazingly sophisticated attorneys who my counsel hated so much because they were far beyond her and colleagues – The Law Firm Of Fox And Fox are bullet proof machines with sophisticated creativity. I retained Fox And Fox for my complex Trust matter after my parents passed away. Fox And Fox legally shot down 12 highly litigated objections, petitions and won the war against creditors, beneficiaries and siblings. The 10 opposition Trust, conservatorship, probate counsels also hated FRANK O. FOX AND CLAIRE S. FOX because Fox And Fox were legally tactical and unveiled their frivolous claims. In fact, I told Fox And Fox to sue those attorneys for writing made up reviews about them. Thank you Fox And Fox for your diligent work and yet still having rare values in your practice
I was unfortunate recently to have a accident in my car which has a Qualitas Policy on it. I wish to bring to your attention the service i have hence received from your Qualitas staff immediately following this incident and in the following processing of my claim. I have been dealing with one of your claims agents in Tijuana, Abel Pech. He has been nothing but professional in his service and processing of my claim, initially explaining the claims process thoroughly so i understood completely, putting me at peace that i was being looked after thoroughly, made me feel like a Qualitas valued customer, always keeping me updated with the claim progression and did all this with a very professional and courteous attitude. Im sure this is Qualitas company policy to deal with customers this way but Abel takes this all to another level, he is a credit to Qualitas and to himself for courtesy and professional attitude. Please take a moment to acknowledge to him my respect and gratitude for his help in a trying moment. If all your employees are this good and this well trained then be proud of your business.
I would like to take this opportunity to thank the Mr Habashy and the whole staff at the Habashy Law Firm for the successful conclusion of my case. It has been and definitely is an absolute privilege to know a highly professional and dedicated Attorney and person like you. I cannot give enough praise to the way you have handled my case, your tireless devotion, your energetic approach and your keen eye for details. I have worked with a fair share of lawyers over the years and i can tell you that not one of them can even remotely come close to your expertise and work ethic you have set up at your firm. There are no words to show my gratitude for all of your efforts. Your personal outputs at every step and your intense commitment has made this unpleasant case in actuality a livable one.. It should go without saying that I will recommend you and your firm to as many people as possible with the knowledge that they will be in the best hands of a premier Law Firm. I would also like to thank Linda G for always being a sweetheart and answering all my questions and concerns when i had them.
My accident left me with a lot of stress, questions and uncertainty. I contacted Adamson & Ahdoot Attorney at Law. They ( Especially Attorney Alan Ahdoot) were very prompt and professional. When I went to visit at their office for further consultation the atmosphere and the way they greeted me made me feel like a very important client and took consideration for any conditions I had at the time. After the meeting I decided to hire them for my case and have not had any regrets thus far. They contact me as needed and get back to me very quickly if I have any questions. Everything since then has been smooth and it's great to have all that stress alleviated off my shoulders Attorney Alan Ahdoot and his team provided excellent and quality service. I always felt that my needs were met and that the firm was invested in me and my case. They were easily accessible, got back to me quickly, aggressive and got me the results that I wanted.Attorney Alan Ahdoot his associates, and his staff all produced the quality of an attorney that anyone would want when hiring a automobile collision.
I'm not related to my agent or anyone from that office. Nor my agent asked me to write a review, because I don't think he cares either way. I just moved into my house in Silver Lake. The house was a short sale, and as you know, it wasn't short at all. It took a year. As a matter of fact, I had just finished all the inspections for another house when he called and let me know that the house I saw a year ago came through. Some agent might not do that because it was only a couple of weeks away before he could get paid. BUT my agent knew how much I liked that house (more than the one I was in escrow with) so he told me. He is one of the few agents with integrity. And patience. Well, I looked at 100s of houses. He put together offer letters about a dozen times. I'm not an easy person to deal with either, but he put up with me too. We are only human, so a couple of times during the past year, we kinda got irritated with each other. However, even after a year he was honest and helpful. I think that's amazing. I totally recommend him. His name is Tom Inatomi.
I initially contacted Claire S. Fox of The Law Firm Of Fox And Fox regarding my father’s Trust after he passed away. The Trustee was refusing to provide any information about the Trust, refused to provide a copy of the Trust, refused to provide financial status of the Trust and refused to account. I was denied my rights as a beneficiary of the Trust. Claire S. Fox of The Law Firm Of Fox And Fox provided intellectual guidance and instructions. I followed and communicated with Fox over a period of months before I retained Fox. I have been a trial attorney for more than 16 years and have no experience in the Trust, Estate Planning, probate, wills and trust, and conservatorship proceedings. With Fox’ brilliance, I collected my entitled share and Fox and her partner, Frank O. Fox, were able to obtain an Order surcharging the Trustee and had the Trustee removed from the Trust. Although the procedure took over 3 years due to Trustee’s relenting adversarial position, it was well worth it. what a relief thanks to FOX
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.