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…
1201 Convention Center BlvdNew Orleans, LA 70130
Great prices for a new, suprisingly luxurious hotel in the very chi-chi (and otherwise pricey) Warehouse District. The staff was obliging and atten…
1201 Convention Center BlvdNew Orleans, LA 70130
From Business: With a unique blend of Old World charm and contemporary convenience, Hampton Inn Hotels and Suites provides enchanting New Orleans accommodations near the area s …
3626 Saint Charles AveNew Orleans, LA 70115
From Business: Property Location With a stay at Hampton Inn New Orleans Garden District in New Orleans (Uptown Historic District), you'll be close to Lafayette Cemetery and Merc…
5150 Mounes StNew Orleans, LA 70123
From Business: Property Location This hotel is within the vicinity of Lafreniere Park and Lakeside Shopping Center. When you stay at Hampton Inn and Suites Elmwood in Harahan, y…
1651 5th StHarvey, LA 70058
From Business: The Hampton Inn & Suites Harvey Westbank hotel is just a 10 minute drive, near the famed New Orleans French Quarter. Each guest will receive complimentary hot bre…
2730 N Causeway BlvdMetairie, LA 70002
From Business: Property Location With a stay at Hampton Inn Metairie in Metairie, you'll be in the business district and minutes from Lakeside Shopping Center, and close to East…
4288 New Highway 51La Place, LA 70068
From Business: Property Location With a stay at Hampton Inn Laplace in LaPlace, you'll be within the region of Destrehan Plantation and Susan Park.Rooms Make yourself at home in…
56460 Frank Pichon RdSlidell, LA 70458
From Business: Property Location When you stay at Hampton Inn Slidell in Slidell, you'll be within the region of Infinity Science Center.Rooms Make yourself at home in one of th…
100 Iberville StNew Orleans, LA 70130
This is my first time writing a review and I felt I had to because of the horrible experience I had at the Westin on Iberville. the first room I wa…
501 Tchoupitoulas StNew Orleans, LA 70130
From Business: IHG Rewards Club Members: Get better savings with YOUR RATE. Book hotels direct at staybridgesuites.com for our lowest rates. You won't find these anywhere else. …
315 Julia StNew Orleans, LA 70130
i have been going to new orleans for the past 7 years and every year we always stay at this hotel. free full cook to order breakfast, 100% gnt that …
333 Saint Charles AveNew Orleans, LA 70130
From Business: Welcome to the Hilton New Orleans/St. Charles Avenue hotel, located in the heart of the business district, and blocks from the world-famous French Quarter and Art…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
Great apps and resources that can help make you the master of headache-free pickups and dropoffs.
The pharmacist, Mr. Ruston Henry is one of the nicest, easy going, always willing to help & assist, type of person I've met while shopping at USA Market on Morrison and Crowder. The pharmacy is in the back to the left as you walk through the front door. He has a team of techs that provide that same warm fuzzy feeling when assisting you. That's the feeling I get when I drop off and pick up my presriptions, warm fuzzies and personable, like way back in the day when neighborhoods where families and every businesses knew everyone by first name. What really impressed me was after dropping off a prescription to get filled and I was pressed for time, I took a stroll around the grocery and realized I recieved a text about 10 minutes later. It was the pharmacy, letting me know my prescription was ready for pick up. Yes indeed. I was truly impressed and I didn't wait long. So I decided right then and there, I found myself a new pharmacy. Dropping off another prescription, since I knew it wouldn't take long I sat at his window (waiting area) noticed that everyone that had transactions with the pharmacist was greeted personally, on first name basis and he remembered last times with each customer. That made me feel proud that I made the right decision when choosing this pharmacy. Those other "commercial" pharmacies can't match to H & W Drug Store. There's no comparison with the quality of customer service, feedback, warm fuzzies, all around wholesome feelings you get from H & W. GOLD STARS FOR YOU AND YOUR TEAM, MR. RUSTON, THEY REPRESENT YOU WELL.!!!!!!!!!!!!!!!!!!!!!!!
I saw the previous rating and felt this place deserved a better rating. I've used Bippos for both of my kiddos and have always loved them. My oldest had a few cavities when I first brought her in. Because of her age and the fact that she was freaked out I opted for her to be strapped down. The facility does not do that without your signed permission. My daughter was crying a lot, so was I, but if she got too bad they stopped, unstrapped her and let me cuddle with her until she calmed down. They also played a cartoon show or movie for her while they were working on her teeth. They only capped 1 tooth then because it is too much for the child to do more at once so I had to bring her back abother day to do the other. My kiddos love the play area in the lobby. They love the little toys and balloons they get to choose after they get their teeth done. The girls who clean their teeth and all are very friendly, play and laugh with them, they even tell them each step they are going to do in a way that they will understand. The only issue I had was being told they could do everything the hospital pediatric dentist could do for my other child who is autistic. When I brought him in I found out they could not. That can only do a cleaning for him if he will let him but if he needs to be sedated or anything I had to bring him to the hospital pediatric dentist. If I had known that I would have brought him there in the first place. Although I was disappointed about that I still highly recommend Bippos Place. Would love to see more of them around. I drive from Chalmette to there.
I had my wedding at The bourbon orleans and it was the BEST day of my life! I had tons of family that came in from out of town and they all stayed at the hotel. They went out of their way to help us around the clock. I stayed in the owner's town house before the wedding day and it was AMAZING! The wrap around balcony from Orleans to Bourbon Street made the night before my wedding spectacular! We had soo much fun. The door men from the bar across the street was even joining in on the fun! There was more than enough room for me and a few guests. We also stayed in the presidential suite which was also AMAZING! The bar downstairs was great to have drinks at before, up to, and after the wedding. It was a favorite for my male guests to watch the LSU basketball game throughout the reception. The only bad experience we had was the food at the restaurant. The food was not that great and the prices were too high. The server was not that professional or attentive. A bit of advice to those of you that will be leaving on Sunday morning.... carry your own luggage. We waited for a good 30 minutes for someone to show up to the room for the luggage. I ended up putting most of my things in my car while waiting for someone. Other than those few problems we had a great time.. great location... you are right there in the middle of the new orleans activities!
My husband and I and our 3 friends stayed at the Crescent Palms last Christmas. I can't speak highly enough of the place, especially the staff. Managers Kendall and John were amazingly sweet and helpful. They went out of their way to help us in many occasions - even when we were stranded without a rental car and no more reserved nights on new years eve, they found us a room and a car! The area gets a really bad rep, but we never felt unsafe, and its nice to be away from all the tourists and stay at a place with real character. We took the bus and the tram into town and never had a problem. The room was clean, warm in the chilly winter nights, showers worked perfectly, and there was always plenty of clean linen. The bar was cozy, and Kendall and John would come hang out with us on their break. Very very nice people. We missed them after we left! I will go back to New Orleans, and I will stay at the Palms again! I highly recommend the place: comfortable, great atmosphere, and affordable. By the other reviews that I see on this site, it looks like I'm not the only one who felt that way: when you are treated so well by such lovely people, it shows. Thank you for a wonderful stay!! Sara, Juan, Josafat, Ana & Vanessa
City Park Dental is beyond amazing ! Dr. Linhuber and his staff are wonderful, they make you feel comfortable and at ease. I’m a mother of a 7 year old and had a horrible experience with my son having work done in the past at another dentist office. What I saw happen to my son in the dentist chair had me traumatized. [(Traumatizing experience) as a mother you want the best for your child and to protect them. My son had to be strapped down in a restraint jacket after he told the doctor he felt pain. He was crying, chocking, and sweating profusely. I felt so helpless because I couldn’t do anything. I never let him go back there again.] I told the staff at City Park Dental what we had already been through in the past and how I won’t let my son go through that again. City Park Dental gave me different options on things they can do to make the experience as comfortable as possible, they were not pushy and didn’t forced me to make a decision right away. My son had to have a dental crown put in and that experience was amazing, I was able to let go of my fears. They really made us feel like family.
If you are looking to buy or sell your property, call the Clouse Team. Don't waste your time with agents who don't produce and just carry a license. Very few and really a very small percentage in the country are seriously top producing agents like Ken and Rose Clouse. And don't just give this very important job to your family member or a "friend's friend" who happens to be an agent. Buying a home and selling your property is a serious task - give it to top notch full time 7-days a week realtor pros like Ken and Rose. Before we met Rose we had an agent who was a co-worker's brother, and we regretted the experience. The agent had another full time job and he wasn't available when we needed him. Rose helped my partner find a great home in a month, showed my partner lots of homes and she was very patient with him and his family. Now we are having her sell our investment property in New Orleans. She's passionate about real estate and it shows as the impressive sales records don't lie.
I am new to New Orleans, moving from Wisconsin. I had been going to the same dentist my whole life and I was in desperate need of a cleaning. I have no dental insurance so I looked up dental offics and found NOLA Dental Care. I was able to make a cleaning within the week I wanted. When I got there, I was able to have my parking validated, which they told me about when I made the appointment. I was called back right away and filling out the new patient papers. Carrie was the hygienist and she was terrific!! Dr. Jolly came in and did her exam and looked at my x-rays. I did not have any cavities! YAY! She did a fabulous job and we chatted for a couple minutes about my hometown and she told me some great places to eat in the city. When I went to check out, Trish told me about this membership program they have for patients with no insurance. I definitely signed up for it because it is awesome! I already have my 6 month cleaning scheduled and will be there!!
The rooms are small-ish for such a fancy rep, but that's very European, in keeping with the French Quarter. Went to a wedding here and although the waitstaff were really lagging on wine service (to the wedding tables) in the beginning, they redeemed themselves later. The food was great for wedding food -- filet cooked perfectly, and mashed potatoes with truffle gravy was the unanimous highlight. The Ritz has quite a nice little spa, gym and small resistance pool plus jacuzzi. Again small, but still very functional and nice. The place is like a maze though -- good luck remembering how to get back to the lobby or over to the Iberville without going outside. It can be done, but it takes practice. Best thing about the Ritz is the lounge. Perfect lighting and really nice seating areas to have a drink and people watch. It's like a big fancy living room with good drinks and everyone looks good because of the mood lighting.
Ken and Rose Clouse and their whole team - absolutely awesome people and true professionals. We successfully bought our investment property and they smoothed out all the glitches. And there were a number of problems, I thought we were not going to close at first. Now I am enjoying collecting rent on both sides. We always wanted to get an income property in New Orleans, love love the city but didn't know who to contact, but most importantly who can truly help us and be on our side. We googled them and decided to meet them while I was there - and the rest is history. That's why they are top agents in the region. Always available, pick up the phone 7 days a week, resourceful, with a lot of connections. Not to mention excellent negotiators and not "drama queen" agents like some. Just stick to business. Thanks y'all and we will do more business again.
Brought my daughter in to receive to caps. In my mind, I was thinking, "this is going to be a long and boring wait", didn't go that way. I only had a 15-20 minute wait, while I waited, my daughter was aktually having on The Little Slide or whatever you Kall it. Once we were kalled to the Bakk, the shorty, Edwrione, was Kool as ever, from Beginning to End, she kept a smile on my daughter's face, she's a Bigg Kry baby, her Hilarious Personality was very helpful. She kept a smile on my face, she aktually held a nice konversation with me, I never attended any of my daughter's appointments, but I definitely do not Regret going today, I Like Her. There's another appointment Koming soon, hopefully, she takes my Little Girl as a patient again ! She's Wonderful Yo, Foreals !
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.