What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
933 S Glendora AveWest Covina, CA 91790
6281 Beach BlvdBuena Park, CA 90621
In the event of a disaster that affects your home and property, what are your options?
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The office personnel is great, at the start they were very helpful and willing to work with you. But if you want to work at the Randstad office in Ontario, AVOID AVOID AVOID getting placed at the Wal-Mart location, especially if you are a female. The Supervisor who manages the Randstad Employees at the Wal-mart is very unprofessional and his behavior and involvement with his staff is extremely inappropriate. He uses wanting to get to know you for promotional consideration as an excuse to get into your head and mess with your emotions. Making false promises and misleading you. Then manipulates you into having a “relationship “ with him To have even more power of you threatening to fire you or “expose you”. I made attempts to report what was hapeening to the other managerr but she turned around and told him everything i told her in confidence instead of HR. That made everything worse. The stress and work environment became so overwhelming it affected my ability to do my work. When I expressed what I d been going through to a fellow lead she told me that I was not the only one he has done this too. That tehre are at least 5 other female employees he’s been sexually involved with and has had to fire or force them to leave. And the other manager.. turns out she’s romantically involved with him thats why he’s getting with it. My advice to anyone trying to look for a place to work, don’t let them place you at the Wal-mart. As long as Randstad keeps allowing unethical behavior to continue and have people such as that manager represent their company, employees are going to continue to be targeted and taken advantage of.
I thought all this bad comment was false but it was all correct. Communication is horrible with the Recruiter. I was trying to get paid and boy it's a freaking nightmare. They dont keep track at all of your hour. You have to keep track of it. They then ask you to send them the hours. WTF?? Then they ask you to verified with the company. I have never work with any agency that does that. This there job is do all the hours checking and to get us paid. They can not even do that. WHat kind of an Agency is that??I work or 2 day at Ceva Distribution on the 6th and the 7th for 10hour in Mira Loma and have not seen a single penny. What THEY HAVE NOT PAY ME YET>>OVER 3 WEEKS!!!!UPDATES.. I STILL HAVE GOT PAID FOR MY TWO DAY OF WORK...AGAIN SAME SHIT>>BACK AND FORTH!!ALL MONT ! month now.i suggest you guy looking for work to go somewhere else like KELLY Service. At Least they don't screw with your money like this.DON'T WORK WITH THIS AGENCY>>>FAIR WARNING!! WANNA TAKE CHANCE?? GO FOR IT!! I WARN YOU!!IF YOU GUY DON'T WANT THEM TO FUCK AROUND WITH YOUR PAY , DO NOT WORK HERE!!.PS. for there sake.. I better get paid!!!
Im very dissatisfied with National General Insurance. I got into an accident last year, Sept. 2016. The person that hit me said she didn't have insurance and left the scene. I followed her to her house and She lived a block away. She begged me not to call the police because she was "pregnant and didnt have insurance". I called the police and they didnt bother to show up, because we left the accident scene and no one was seriously injured. I had a 2 and 5 year old in the car at the time and I had to take them to the ER. My 2 year complained of his arm hurting. Since the police didnt come...i got as much info as I could. Then i went to the police station to file a report. I called National General to make a claim and they took my info and said that my deductible was $1000. I had no clue it was that high and i was upset. At the time, i was only working a part time job and couldn't afford it. Its March 2017 and now i have the $1000 to pay it. My car is only worth $1450 and ny damages are over $3000 according to Maaco's (auto repair shop) estimate. They told me to take the car to Maaco and its been sitting in their shop for over a week and I have to pay $175 a week for a rental. They havent started working on my car because Jared Booth from National General havent responded to Maaco about my estimate. National General estimated my damages at $2020 from only pictures. The frame is damaged on my car and they couldnt see that..nor did they bother trying to bring an adjuster out to look at it. Im highly upset because i have full coverage but yet they dont cover car rental fees, and i dont have uninsured motorist protection. I thought all that would be included since im paying over $100 a month. Also, my kids and I have been driving in a front end damaged vehicle from Sept 2016 to Feb 2017. The car leans on one side. I am a single low income parent and my claims person Lindsey Aguilar decided to offer me reimbursement on my kids car seat on March 7, 2017.
DO NOT DO NOT APPLY HERE. They had no funds to cash my boycheck and didnt pay me for a day. They ate liers. DO NOT APPLY.
I never write reviews at all but this agency has to be the WORSE agency I've ever been to . I applied 2wks Ago and I've called all last wk for a job anyways the front desk lady tells me she has a job for me for this Monday and she'll call me back . I waited for her phone call and nothing so I check up on Tuesday and Isabell answered she said the same thing and never returned my call . Really bad experience and very poor management from the lady's in the office . And when I first applied here I called the front desk and asked them a question to where the building was and she answered me in a very RUDE way " It Says 1st Choice In the Building" I was very Irritated with her at this point anyways i walk in after that call and OMG same thing inside Very RUDE STAFFING ! I WOULDNT RECOMMEND THIS AGENCY TO ANYONE SAVE YOUR TIME AND GO APPLY SOMEWHERE ELSE .
I have been with York employment for more then 5 years. I would definitely refer this agency to anyone who is hard working and loves to work. Gloria is such a great person, she goes above and beyond to find the best employment placement to suit your needs.
I started at the bottom at sun express,I got into some trouble growing up, so when I finally realized its time to take control of my life I was having a hard time finding work. got my class A, no points on my H6...my past is messing me up, my friend Jose Soliz sent me to sun express. before my interview I sat down w/ Bea & Brian, and told them everything and that I JUST NEED A 2nd CHANCE.. They said ok we believe in 2nd chances.. this was Nov2014. I didn't have much experience so I started working the swing shift in a W/H also moving the trucks to and from the dock after a while Brian took me on some test runs until I was ready. Today I am making a living supporting my family and happy .and guess what I wasn't part of there family, I kind of am now ...,but before this I was ready to give up. And all you people that want to talk down on people, you can take that drama some place else...remember this everybody has a job to do in this world... THANKS, Sun Exp
The best temp good jobs like fork lift shiping and receiving loading and unloading good professionalism thank you York
If you are not related to the owner of this company DO NOT APPLY for a job. All she cares about is nepotism. She treats her staff badly, and is completely unprofessional
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.