What Should I Do When My Car Dies on the Road? »
Four tips for keeping yourself and your vehicle safe while you wait.
Four tips for keeping yourself and your vehicle safe while you wait.
In the event of a disaster that affects your home and property, what are your options?
When a car is damaged by an accident or weather, what can be repaired and what must be replaced? Or is it time to buy a new car?
I found Keith's on Livingsocial, and checked the reviews on several social media pages. They had a lot of reviews, mostly either really good, or really bad (the bad ones looked like they were from people that pretty much stay upset at life, blaming everyone for something). But the good ones were great. The Livingsocial coupon was a good one, so I decided to give them a chance. Not only did they fix my suburban for a very fair charge, they also took car of a subsequent issue that may not have been related to the first. I give the whole crew at Keith's top marks for professionalism, expertise, and friendly service with a smile.
A cheap unprofessional company that doesn’t have the proper equipment for all tows service if you have a decent car do not use them they are not honest people and will tell you anything to sign a waiver form when really there at fault and should not be in business if they do not want to buy the proper equipment for all tow and be honest with the customer instead of just trying to make a quick buck and road side assistant company do not use this company poor service and the owner is very arrogant and hire inexperienced people to work for him
Knowledgeable, professional, good communication, fast service. Provided great service, fast service, and a fair price.
Where do I start? Brought my car in with the ac not cooling. Three weeks later, they still have the car and I have to contact them repeatedly throughout that three weeks to get updates. Final call I was finally told the car was ready. Over $700 in repairs to the ac. Two days later driving the car home from work and the ac goes out. Call to let them know so I can bring it in and the guy tells me not to bring it in until Wednesday because they are “busy.” Now the car has been there a week with no communication AGAIN on their part. I call to find out what’s going on and they say they have checked it twice and it’s working. We need to bring it back when the ac isn’t working. I tell him that’s exactly what I tried to do on that Monday and was told you were too busy and now the car has been sitting there for a week and no one even called to tell me to come pick it up. Now, went to go pick up the car and talk to the owner, Roger or Robert, honestly can’t remember because I’m so annoyed. My husband leaves with the car while I’m talking to him. No real apology from the owner, just blaming someone who he said he fired because he is ruining his reputation, which I don’t believe for the sole reason I had to call to check up on my car and received no communication from them. If the guy was so horrible and making your reputation so bad, you should have been going down the list of vehicles in your garage and make sure everyone was being taken care of and updated on their car’s situation. When I get home, I have the pleasure of learning the AC stopped working as my husband made it home. I call them to let them know this. 1 month wasted. 93 degrees outside. No apology. Roger said he is leaving for the day and to call him tomorrow, not he’ll call me and he will make it right. If you want an ounce of customer service go anywhere else. I plan on getting my money back and going somewhere else. Sure will be nice to sweat out this week driving to work. Thanks for nothing, Wren’s.
After telling us it would be $270 on top of the warranty charges of $534 to repair a radiator on my wife's 2010 Town and Country, they returned the vehicle in the same condition they received it only I was out a total of $800 and still didn't have a car that would drive with the same problem it was brought in for in the first place. To date no returned call from management. Please save yourself time and money stay away from these thieves.
HORRIBLE experience!! Wish I would have read the comments before calling him. Made an appt and waited for him all day. He never showed!!! He sent a text and said, "sorry, i got busy!" Very unprofessional. Will post to as many places as possible so no one has to deal with him. Rodney is his name.
I just LOVE this Place! We took advantage of a great deal going on right now, for their 67 Anniversary Celebration Sale. Seems like tons of Jefferson Auto 'Services' are only $67 each. So we took advantage of a front brake job for only $67 for everything, while I was their for some emergency work, ( which they took care of really quickly) thanks again, MAC~
This place is very bad; they seem to be going on the reputation of the former owner who was the father & supposed to be a real legend for caring for his customers. The crew is so negative, lies all the time, promises to do what you request, then do only what they want. Then they charge for things you didn't request & told them not to do. Also double charged for things. When I told them that I need the overcharges to come off of the bill, they told me that they would be starting to charge me storage fees until I paid them. I filled out a report against them online with the Attorney General's office & got some money knocked off of the bill, but the rest they ignorantly refused to take off. I got the car only because I was afraid they would do damage to it since it was somewhere I had no knowledge of. Sure enough, I discovered they didn't do something right so I had to pay another $460 to another mechanic to remedy the situation. Losers & thieves they are. I grew up as a mechanic's helper & explained this to them over the phone before car was towed in, as well as when I spoke to the mechanic over the phone. But they don't care about the customers. Don't trust them.
Nothing but good things to say about Jefferson Auto! a guy named Josh fixed my car while i was waiting! Could not ask for better service, the price was fair and I got to eat popcorn and relax with my phone in their waiting room, nice
If I could I would give them 0 stars. The staff is unprepared the type of work they do is poor and be lucky if you get your car in this shop with and issue and they don't end up returning it with another one just so they keep charging u more money .. so if u want to save urself some headaches pick another shop
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.