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.
1560 Palm Bay RdPalm Bay, FL 32905
From Business: Firestone Complete Auto Care is a full-service auto maintenance and repair shop offering a large and affordable selection of tires, convenient hours & locations f…
705 E Hibiscus BlvdMelbourne, FL 32901
From Business: We are the experts in transmission repair and complete car care - clutches, brakes, factory scheduled maintenance, electrical, check engine lights, radiators, ove…
265 S Wickham RdMelbourne, FL 32904
From Business: Meineke is your one-stop shop for all of your car care needs. Visit us today or save time by scheduling your appointment online at meineke.com. Contact us for inf…
400 Stan DrMelbourne, FL 32904
Most wonderful place to take your automobile. Frank and Christine very knowledgeable. Honest and trustworthy work. I will always take my car to Ric…
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.
Ken and Kevin, Auto Body Engineers, are the best auto body experts in the area! I went with my friend a year ago when she got into an auto accident. They took care of her well. So, when I was in an auto wreck, I remembered them. They explained everything needed to be done to my car, and I knew it was not a small task. They also were willing to work with the "small" check my insurance company offered and worked with my insurance company. The insurance company estimated this job would take about 10 days to finish. Ken and Kevin got it done in 5 days! Oh! Wow! Awesome! When I got my car back, that was literally what I said about the job. They made my car looked brand new! My car is 5 years old, but they fixed, painted, punished it, clean it, and they even vacuumed inside of my car. I couldn't believe the magic they have performed on my car. I love their attention to details and they are very very nice folks. I would highly recommend them to all who needs body work on their cars. They made this auto accident the best experience ever!
All too often, you hear negativity about a person, a place, a company. I have found a true gem in the world of auto mechanics in the podunk city of Melbourne, Florida. Not only do they do fair work for fair money, but if you're nice to them, by golly they're nice to you. I have taken my old lady 95 Lincoln there more than a couple of times for one reason or another. Some minor, some definitely not. Each time I have expected some huge total including tow...and each time I have been pleasantly surprised. This last time my car had been towed in a week ago and by true Murphy's Law, it wouldn't replicate the problem. Today, it happened again. Finally the problem was found and fixed. I was not charged for the second tow! I highly recommend Buzz's 76 Automotive on Wickham and Aurora.
Eric Ponce's office is one of a kind! The are not just another insurance company. Recently, my mother passed and Mr.Ponce's staff was very gentle, warm-hearted towards me due to the grieving-stress I was under at the time. They went out of their way to less-complicate my worries concerning my mother's estate. They took the time to talk to me leaving business aside. When i was ready, we discussed what measurements I should take at this first stage. My relationship will continue with Mr Ponce. His office staff is kind, generous, knowledgeable and "all knowing" when it comes to emergency situations such as mine. My vehicles, house and financial needs are in supportive hands! Thank you for being such a superb insurance company!
We love these guys Bill is GREAT,,, we first bought a nice 2001 Cadillac but on the drive it had an engine failed,,, Bill sad - no problems here is your money back ,, we really needed a car and he spent about four or five hours trying to find us another nice car even going so far as to bring in a few new/used ones from his other lot for us to try. We settled on a nice Toyota and it needed tires and bill said - no problem bring it back in the morning and we will install four new tires. That's what we call going the extra mile,,, it's never easy buying a used car there is stress,, but Bill goes out of the way to make you comfortable to really take care of you. If you need a car or truck go see the car guys.Sandra
My husband and I are new to the area and a friend recommended this place to us. We went in to fix a burnt out headlight which we thought was a bigger problem then it was. They took our car in right away and fixed the problem. Turned out it wasn't what we had thought and was actually a much easier fix! They were very reasonably priced and friendly. I have to commend an automotive place that is honest and genuinely tells you what is wrong and gave us the cheaper fix. Plus they didn't even try to sell us on anything else. I think this is the first automotive shop we have gone to that hasn't tried to tell us something else on our car needs to be fixed. We will definitely be going back!
I was looking for a car for one of our daughters and having a hard time finding a car that I felt comfortable with and was safe for her to drive, and something I could pay off. So that meant I didn't have a lot of money to spend and wanted a nice clean car with decent miles. Well I found all that at D & S auto. Both BJ and Sal are great to work with. Sal is the owner and treats everyone like they are family. I felt comfortable from the first time I spoke to him. I would highly recommend purchasing a car from D & S, and next year when I have to get another for our youngest Daughter they will be our first and only stop!!Feel free to contact me with any questions about my experience.
Second car purchased from this dealer for my son. Mike has been honest about the origin of the cars, shared valuable information to help narrow the choices, and didn't hide any issues. In fact, he was forthcoming about little dings, things he fixed, and things he would correct even after the sale. Buying a used car is a stressful experience EXCEPT when you go to Mike. You know that he is not just trying to move cars, but actually trying to get you into a vehicle that suits your needs. I will definitely send friends, co-workers and anyone looking for a vehicle directly to Best Deal Auto. The only car dealer around that treats you with mutual respect and integrity.
As a long time customer of 2000 Auto, I have made numerous appointments for service and warranty work on many makes and models of automobiles. I have yet to arrive on time for my appointment and not be inside their facility with my work being done in a matter of minutes. Cary runs a tight but friendly ship and Steve oversees the trained mechanics in all phases of repair and maintenance work. Outside of appointment work, any and all emergency work is also handled very quickly. Where ever you may have a problem that may disable your vehicle, having your vehicle towed to 2000 Auto will result in their same top quality repair services.
This is a very good place to take your cars for routine maintenance plus for repairs big and small. All of our family's used vehicles have been serviced there, and I plan to continue utilizing The Car Guys to get the most miles out of all these various vehicles! Between James' amazing mechanical knowledge and prowess, plus Bill's consistent care for the customer, I'm completely confident that my vehicles will run well, and without any unnecessary expense!! I've even seen James diagnose and repair problems that other mechanics could not, and the trustworthy kindness I've received from Bill is a big Blessing!!!
My fiancé Angela Neel and I went car shopping this last year and through much research found Franz Brett. We found a very nice car for a price that was unbeatable. They were friendly and made buying a car painless. The staff went out of their way to be accommodating with regards to the two of us working crazy shifts and being unable to come into the dealership together to pull the deal together. We have had zero problems with the vehicle we bought, and if we ever do they have their own shop to fix it. I would recommend this dealership to my friends and family and will buy future vehicles at Franz Brett.
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.