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.
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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…
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Mike with Hagerman Services was referred to me by an associate of his to give a quote on replacing my 23 year old central air system. Normally, I wouldn’t hear of using a new a/c company because the company that originally installed my unit was still servicing it and had already given a fair quote to replace the units and I believe in loyalty to good service. Hagerman Services gave a better price on a larger unit and added an additional vent. When it was time to begin the installation on the new unit, Mike asked the million dollar question. DO YOU HAVE ALLERGIES? I replied yes, after telling him to look around my house at the three (3) air purifiers equally a grand total of 2500.00. He went on to explain that the present unit was installed to pull fresh air (that circulated throughout my house) from the attic. Yes, the attic. He strongly believed that it was not helping my allergies. He went on to say that once the new unit is in service that I will notice an improvement with my allergies and if I did not, I should call him back out. Well, I did. It is now four months later, and my daughter and I are only taking allergy medication as maintenance because we still live in Louisiana. I said all of the above because Mike with Hagerman Services was professional, honest, courteous, knowledgeable and prompt, he often arrived early. He is also bilingual. On several occasions he assisted me with translation with other contractors. I would recommend Hagerman Services to anyone needing a/c services. As I stated before, I believe in loyalty to good service, therefore I know I will be a lifelong customer.
I called Mike up after hours yesterday evening around 6 p.m., explained I saw his ad on yp.com and he had a coupon. Long story short due my circumstances of my air not working and having a grandparent on hospice, HE INSISTED on coming that evening (with 20 minutes) to investigate the problem still for free ($80 after hour charge) and that he limited supplies on the truck and the warehouse was closed, so if it was something major he would have to return 9:30 a.m. the following day. While trouble shooting the problem he SHOWED me the gauge with no Freon, explained it could be one of two things, investigated inside and came to the conclusion its a problem that he would have to correct the following day. Mike didn't give up though, he gave it one last look over by removing the top of the A/C unit by noticing an minor oil stain (it just finished raining) with his flash light. By doing so, he discovered the leak where the Freon was escaping and fixed the problem. (no return visit) Educated me on the unit itself. Waited til the Air was on long enough to gauge the temperature inside the house. I proudly put my stamp of approval for Hagerman Services, Mike went above and beyond my expectations in resolving my needs. I own several properties personally and in this city never came across a more professional, informative & courteous repair man. All in all I can see why he consistently gets great reviews.
I have a story of honesty that is rare in this day and age. "Mike" of River City Air Express--New Orleans came out a couple of weeks ago for a faulty first floor AC unit, and installed a new one. In the course of checking over our system he made some minor repairs to our other two systems. Then this past weekend, the second floor unit was not cooling. Mike came out on a Saturday (unit was frozen so we had to turn it off and he would have come back again that day, but we were unavailable.) He returned on Sunday. He said the freon was low, which had caused the freezing (a likely leak) and that the expense of the freon would result in likely a $700 or so bill. We felt we had few options, and approved the repair. Mike added the freon and then talked with us. He said he believes the freon leaked out because he did not tighten something back tight enough when he looked at the unit two weeks ago. He said there would be no charge whatsoever, although he knew he would take some head from his boss. Furthermore, he apologized that we had had a couple of warm nights in the bedrooms as a result of his oversight. Who does this anymore??!! We would never have known. You better bet I will be calling Mike back for all our future HVAC needs!!!
This guy is truly about business. I called him on a Sunday, told him about the problem I was having. He told me he charge a fee for weekend service and that the part store would not be open if he needed parts. So he stated he could come by that Monday early in the morning. I told Mike the customer needed his A/C fixed that day, but I would call him to see if he could wait until Monday. I gave him the address (not realizing) and told him I would call him back. Well in the meantime I contacted someone else that day who came out but could not resolve the problem. He too had to wait until Monday. Well Monday arrived and Mike was on the job at 8am. He had diagnose the problem and was ready to get to work. I went back-and-forward with him and the other guy, but Mike won...He not only fixed the problem, but he saw other things happening behind the scenes, which resulted in the unit being replaced. It cost me money that I did not want to spend, but all in all my tenant was happy and that made me happy! If you ever need anyone for repairs to your unit, this guy is the one to call. He is efficient, honest, and reliable! He will do his utmost to make sure the job is done correctly and effectively! Oh and I forgot, he is very patient...
Michael Davis with Hagerman Services came to my house to fix my air conditioner. I had contractors before called Phoenix Global Engineering, that put it in after Hurricane Katrina and it was a mess, but Michael Davis came noticed all of the problems the unit I had was giving me, such as leaking water that messed up my circuit board causing a burning smell - just to name one thing of many that was wrong with the installation of the unit itself, and Mr. Davis replaced my air conditioning unit. He gave me a warranty, which I did not have with the other contractors, and he explained in detail how to keep my air conditioning in working order, and to call have my air conditioning serviced once a year through his agency - something else the other contractors did NOT do. It feels GREAT knowing I don't have to worry about my ceiling leaking anymore from faulty air conditioning work. THANKS A LOT MICHAEL DAVIS. You will be hearing from me for further maintenance work on my system. Thanks again.
I was researching a few AC services/repair companies. When I reached Hagerman Services, I knew immediately after talking with the owner, Mike, that we found what we were looking for...high professionalism, reliable, efficient, courteous, responds quickly, good communications. What also impressed us was his knowledge and motivation to solve the problem...as quickly as possible. He is conscientious of his customers' needs, flexible, and patient. He even goes so far to follow-up the next day and return to test your AC system to ensure that it is properly working. We've never had this type of customer service before with AC companies, let alone any other type of company that services my home. Hagerman Services is the BEST AC service and repair company and one we would highly recommend without question.
I have been a customer of Johnson's Air Conditioning Repair since the '90's and I have NEVER had any problems with their service. When I repaired my home after Hurricane Katrina flooded it, I looked to no other company but Johnson's for AC installation and service - 7 years later and the units they installed have never caused me any problems. They arrive when they say they will, often no later than one day after you call them. No question is a "dumb" question and they explain everything in plain English. Their fees are not "bargain basement", but they offer fair prices and excellent work so you get what you pay for. You may find cheaper but you won't find better.
J. Marin was efficient, effective, and honest. Our AC went out last Saturday morning, and I contacted him early in the afternoon. He arrived within an hour to assess the situation, gave me several hypotheses based on his observations, then returned to chip away at the problem. It ended up being a serious issue, so he walked me through the steps of the breakdown...in laymen's terms, so that I stepped away fully informed. He made sure that before he started the work, that research was made to see if the HVAC was still under warranty. His prices were fair. His professionalism was impeccable, and he was super communicative. I recommend J. Marin for all of your heating or AC needs.
I found myself without a/c on a scorching hot summer afternoon. I called Hagerman Services and another company because I needed immediate relief from the heat. Not only was Mike at Hagerman Services the first person to reply to my call, he arrived to home within a reasonable amount of time and quickly assessed the problem. He was extremely professional and knowledgable about my units. He flushed the lines and did the necessary repairs and replacements to get my air blowing again within an hour. I was pleased with the efficiency of the service, quick response time and most of all the pricing. I would refer to others and definitely contact Hagerman for future service.
HONEST and Helpful. This is by far the most reputable auto repair shop I have ever been in. They go far past the required service and will find any way they can to help you reduce your cost and have your vehicle in the best possible shape. They showed me what to look for and what to do if the AC ever acted up again. The day before I had gone to a large retail chain that had told me I needed the entire AC system replaced for $1500. Will and Lenny checked and rechecked multiple times and the AC system was perfectly OK. My AC is working fine now. Thank You Will and Lenny!
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.