Car Accident Aftermath »
No matter whether an accident involved a freshly licensed teen or an experienced driver, knowing what to do (or not do) is essential to bouncing back.
1478 Stone Mountain RdBedford, VA 24523
From Business: ASE CERTIFIED AUTO REPAIR AND DETAIL SERVICE ABOUT HALF THE PRICE OF LOCAL GARAGES SERVISES OFFERED ENGINE, TRANSMISSION BRAKES AND STEERING AND SUSPENSION DIAGNO…
No matter whether an accident involved a freshly licensed teen or an experienced driver, knowing what to do (or not do) is essential to bouncing back.
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
All it takes is a little preparation to get your car winter-ready and to keep from getting into an icy situation.
Time and time again I've had vehicles worked on at Expert Auto Repair and keep coming up with the same conclusion - whatever the repair needs are they're just the best place in town to go to. It started out a number of years ago when I bought an old Dodge RamCharger with an intermittent electrical problem. I took it to another garage in town that let it sit for a few days and kept saying they couldn't recreate the problem, which I think was ultimately their desire not to work on it. I took it to Expert and they had the problem diagnosed and fixed in 24 hours. Because the price was so reasonable, I stood up and took notice of their commitment both to service and value. Since then, I've owned a Ford Taurus, a Toyota Highlander, and and Infiniti G25x - they've done some form of maintenance, mechanical repair, or body work on all my vehicles. There were 1 or 2 times I just wanted to keep them honest, and so I priced them out against Laslie's, Sandrof, Fort Hill Automotive, Harris, and a few other places in town - each time I came back with a smile on my face because they just beat the pants off of them. I've come to trust Shane and know he's not giving me a line of bull when he says something needs to be fixed. I've referred numerous friends there, and feel comfortable sending my wife there knowing if she goes to get her oil changed he's not going to try to sell her a bunch of other crap. I can personally attest to their trustworthiness and guarantee of their work!!!
I had taken my car to a national chain tire-and-repair place for inspection. I was told at that time that I needed brake pads, rotors and a new right front marker light. They "offered" to do it for me for over $300! After I recovered from the sticker shock, I decided to look and see if I could get it done for less. I read the reviews on Google about Expert Auto Repair, and decided to give them a try. As a single, non-automotively-inclined woman, I had some misgivings, but I need not have worried! I was treated very professionally and courteously, from the time I walked in until the time I drove away. The office and the shop were both very clean and organized. I got an appointment in a very timely manner, Shane did the work very efficiently and thoroughly, and - as it turned out - I didn't need rotors! The cost was what had been quoted to me up front, which I was also pleased with. I was struck by Shane's honesty as well as his excellent work. I would recommend Expert Auto Repair to anyone, and I plan on recommending them to my friends. Thanks for the great work!
I chose to take my car to the Expert Auto Repair this week when I thought, at the last minute, I was going to need to take that car to my husband at his duty station. I called at 9am on a Friday morning and Shane worked me right in. I thought I knew what the problem was but I explained what the car was doing and Shane did troubleshooting to find the real problem instead of just looking for what I thought was wrong. At that point, he brought me out into the garage and showed me exactly what was going on and explained it so that I would understand. He helped me to track down the parts and replaced them quickly without charging me an arm and a leg for the labor. He also fixed my A/C which required an expensive repair and he made sure I knew exactly what I was getting into with that. He even helped me find deals on parts. Throughout the entire experience, he and Abby were very friendly. After years of bad experiences with mechanics, this was a breath of fresh air. I highly recommend them!!
Stop Looking. After moving here from N.C. I was uncertain who I was going to trust at a reasonable rate to maintain my E39 530. I was fortunate enough to have worked as a service writer at a BMW dealership, so the $25 an hour rate was, well yea. I managed to form great friendships with the technicians and my respect for what they do with these peculiar machines is awesome. After reading the other reviews matched with his experience I decided to take my car to Jay after the below temps killed the battery,and I did identify a power steering leak a week prior that needed attention. Jay and his team was FANTASTIC, the rate is fair and quality of work excellent. I will look no where else, and encourage you to visit Jay- you will not be disappointed.
Jay's is a rare gem. He is honest, fair priced, exceptional service & will go out of his way to be sure that his customers are completely taken care of & satisfied. It's not about how much money he can make or quick fixes.My retired mother in law uses him & he has never tried to take advantage of her. He even gave his # & told her he'd help her anytime day or night if she ever needed it.I'm happy to know she will never be stranded or taken advantage of in an area that she doesn't have family close by.Thank you for making us feel more secure that she won't be stranded if she has a break down!
Shane did extensive brake work on our mom’s Lexus this week and we are so pleased with his work! He accommodated our very tight schedule and squeezed us in during a holiday week. He was professional, very knowledgeable, fairly priced and most importantly, he is very trustworthy. We are recommending him to all of our family members and friends and will use him again for all maintenance work in the future. Thanks Shane!
Our family has taken all our vehicles to Expert Auto for over ten years! This is a family operated business with great guys working it. They give their best and have come through for us many times when we were in a pinch and needed our car fixed quick. The prices are very reasonable and fair and we've told our friends about Expert Auto because we know they are good at what they do. Thanks guys for a job well done!!!
I have been to Expert Auto for three years now. Shane has never steered me wrong. He does the best quality work at the best price here in Lynchburg. Believe me-I have been to and done my research on many mechanics here. I will never go anywhere else! It is so nice to go there and not feel pressured and he understands that we are not all wealthy and will prioritize and work with you.
Expert Auto Repair is the only shop I trust. I have been to them with a laundry list of things that need to be done and they will prioritize them and work within my budget to get everything done. The work is always excellent and never high pressure. As a woman I value that. I travel from Richmond and schedule my work when I am visiting family in Lynchburg. THAT'S How much I trust them!
I have used Expert Auto Repair quite a few times for the most minor things to major mechanical troubleshoot. He is an honest guy who consistently was able to get my jobs based on price comparisons. Over the past year or two I just quit comparing prices and call him and ask for his availability. I highly recommend him & his shop. Thanks for being good to work with Shane.
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.