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In the event of a disaster that affects your home and property, what are your options?
4802 E Ray Rd Ste 23Phoenix, AZ 85044
Phoenix, AZ 85003
1717 E Union Hills DrPhoenix, AZ 85024
From Business: Legal service plan with top AV rated attorneys - nationwide. Please call for full description of coverage.
2200 E Camelback Rd Ste 213Phoenix, AZ 85016
From Business: As one of Arizona's premier law firms since 1983, the attorneys at Snyder & Wenner, P.C., have worked tirelessly to represent the rights of victims in our communi…
361 E Coronado RdPhoenix, AZ 85004
From Business: Harris Powers & Cunningham law firm serves medical malpractice and personal injury patients in the Phoenix, AZ, area. Their track record of success for their pati…
3544 W Glendale AvePhoenix, AZ 85051
From Business: At Advanced Court Services we specialize in a variety of document preparation services for clients throughout the Phoenix, Arizona area. We charge a hassle-free f…
In the event of a disaster that affects your home and property, what are your options?
As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
I watched first hand as the dishonest firm of Loose Brown & Hobkirk ripped off my boss. Took his money and then did not provide the services and support they agreed to. Even with a signed contract, this firm did not deliver the services they were contracted to provide. The lawyer who didn't keep his promise was Donald Loose. Don't trust him.
The Availability of Staff is Awesome! The office was always very pleasant. They were available when we needed them to answer our questions.
Dear W Michael Walz, I just wanted to write you a letter to thank you and your assistant Netta, thanks Netta for all the extra help... Every thing you guys have done for me has saved me from the future hassle of police... If it wasn't for you I would have a warrant forever, I would of had a hard time without you. Thank you! I am so relieved. :) :) :) :)
I've been able to get on with my life In the fall of 1998, I found my self in dire need of legal assistance. I desperately needed the services of an experienced attorney versed in the representation of clients charged with possession of marijuana. After making some inquiries, I was referred to Michael Walz. I was told that Mr. Walz specialized in my particular type of cases and had successfully defended many, many clients facing similar types of charges. We arranged an initial consultation during which I attempted to explain the facts surrounding the dilemma in which I had become involved. Mr. Walz was thoroughly professional in his initial dealings with me and very early in our discussion put me at ease and began to allay the panic that I was experiencing. He asked the difficult questions that needed to be asked at that early stage in a friendly but direct manner. He agreed to take my case, and I went away from that initial meeting feeling relieved and confident that I had retained the best counsel available for my type of case. As matters moved forward, he began to formulate a theory of defense. Mr. Walz and I met thereafter on numerous occasions to discuss developments. At each step of the way he explained those developments in terms a layman such as myself could easily understand. He continued to help me keep matters in the proper perspective without ever being unrealistic about all the possible outcomes of my cases. Throughout our association, I felt that Mr. Walz believed in me and continually did his utmost to resolve a case that would have caused severe damage to my personal and professional life. In the end, the matter was settled in the best possible way, and since that time I have been able to get on with my life and career. I would strongly urge anyone in similar straits to seek the counsel of Michael Walz. His skills, expertise, and humanity are in my opinion without equal.
I believe Mr. W. Michael Walz is the best Criminal Marijuana Specialist-Lawyer in the state if not the country. If it was not for Mr. Walz and his secretary Janet I would probably be rotting away in ADOC somewhere unjustly for 4 and ½ years of my life. My suggestion is that if you drive around while there is Marijuana in your system you better have Mr. Walz on speed dial. Red eyes can be probable cause for them to take your blood. Say no and call Mr. Walz first. He is fair, affordable and willing to work with you.I first contacted Mr. Walz 6 years ago with a case that at the time was something new, Aggravated DUI/Drugs. Mr. Walz told me that because they charged me with the AGG DUI twice (one of them was for the THC in my system, which made it so that if I tried to take it to jury trial I would have to be found guilty, even if I proved that I was not impaired at the time I was pulled over) and my prior record, it would be an uphill battle to get me a plea of 2 ½ years to 4 ½ years. Prison is no place for someone who has not hurt anybody during the course of their crime. I felt I had no other choice but to leave behind everything I’ve known in AZ and run.Over the next 5 years, I would go live in NYC. Even though I arrived there feeling like one of America’s Most Wanted, I went on to become a manager of a business in mid-town Manhattan, the heart of NYC, all while smoking Marijuana every day. Unfortunately, I returned to AZ to visit my mom in December of 2012 and the day before I was supposed to fly back to the east coast got picked up on my warrant after falling asleep in my buddy‘s car at the Snowbowl ski resort. It felt like fate, it was weird. I felt like this all happened for a reason. After I was bonded out of jail I could have gone straight to the airport but I was sick and tired of running and was resolved to fight the charges.I was relieved to see that Mr. Walz would to still be representing me and not another public pretender, but he informed me that this would be a very uphill battle no matter what I have accomplished in life, and the fact I ran for so long wasn’t is not going to help any either. However, he reviewed my case and found major discrepancies in the reports. He was appalled by what he saw and took it upon himself to make sure that justice was served in the right way. In the 5 months since I posted my bail and met with Mr. Walz again he has achieved the impossible and got it down from a class 4 felony with 4 ½ years prison down to a misdemeanor with only one month jail.Mr. Walz and his secretary Janet have gone out of there way to prove my innocence even spending money out their own pockets conducting interviews and getting paper work. Mr. Walz knowledge of Marijuana law is amazing. He has facts on studies that even make Judges blush in amazement, and prosecutors loathe him as an opponent. Mr. Walz has always been professional in the handling of my case and as honest as can be at the time of our meetings. If it was not for Mr. Walz and Janet I would probably would have lost out on 4 years and a half years of my life. THANK YOU MR. MICHAEL WALZ AKA THE POTLAWYER.COM.
Ryan was amazing right from the start, I met with him and explained my difficult situations with an ex who was so very unreasonable, I am a good father and simply wanted my fair time as is due me, but she had a much different vision for us even though she was on the road and not around for most of the child's lives while I raised them. Well Ryan was amazing through it all, Helped me lift that enormous stress that was sitting on my shoulders and got me basically everything I was asking for all while allowing me time to pay. Thanks Ryan, I will absolutely use you again in the future.
He has no equal in this area of law When I was arrested for growing cannabis, I felt my life was over. I had lost my only relief from my chronic pain -- the result of a life-threatening industrial accident. I had lost my only relief from this drudgery. In addition to this dilemma, I faced three felony charges. The most serious was intent to sell. If convicted, I could have received many years of incarceration. Without the funds to afford an attorney, I was forced to deal with a public defender. Rather than a trial, she recommended a plea bargain. This was unacceptable, because I felt my medical condition warranted the use of this substance. Overcome with feelings of helplessness and rage, I contacted Michael Walz. After I talked to him on the phone, I was confident this was a person dedicated to representing people being persecuted for their use of cannabis. It was obvious that Mr. Walz was not your typical criminal defense attorney. He knew about cannabis litigation inside and out. Not only that, but he was an attorney whose knowledge about cannabis cases went beyond their legal ramifications. Despite my inability to afford his modest fee, he was anxious to accept my cases because it involved the medical use of marijuana. During the trial, Mr. Walz dominated the proceedings, from jury selection all the way to final arguments. His presence in the courtroom was outstanding. His skillful cross-examination of a less-then-truthful police officer forced the Judge to chastise the district attorney in chambers. Frustrated by this, the district attorney was forced to concede during final arguments that I wasn't a drug dealer and that I had a legitimate reason for using cannabis. Thanks to Mr. Walz, I was found not guilty on the most serious charge of intent to sell and I received the absolute minimum punishment on the lesser counts. The judge was so impressed by the way my case was presented that he practically apologized during sentencing. During my probation, Mr. Walz has continued to offer support and guidance. To say that I am satisfied with Mr. Walz's representation of me during this ordeal does not do adequate justice to him his efforts. He has no equal in this area of law. Mr. Walz is the best! He's a person I not only consider an outstanding attorney, but also a cherished friend.
Had me pay him 5k to tell me a month later I did not need a an attorney I think he meant to say sorry I am a lame excuse for a attorney. Steven is a liar don't let him steal from you like he did me I was scared and being abused by my ex husband and previous bad attorney...I fell for it please don't make the same mistake...I read his good reviews and thought wow he must be great I was fooled by him so I am warning anyone who can avoid him should I tell the world.. He is a dirt bag. So disappointed thought atty had to have ethics he is the scum of the industry you will want to avoid.
After finding our dream house without a realtor, I thought it would be a good idea to hire a realtor on our side to guide us through the process, and to make sure we were not missing any important steps, especially with inspections, as the house was over 40 years old and was the largest purchase of our lives. When the whole process started, it became clear early on that Eric had no intention of providing any of the services that he was hired to perform. Instead he chose to take the low road, evidenced by the fact that he never stepped foot on the property, despite being invited to participate and provide guidance. This is a major rip-off considering the fact that the deal was given to him. It is a service contract where he received full payment, yet provided service of little or no value. The two words that come to mind to describe his business practices are lazy and dishonest. Anyone that would want to business with this guy should have their head examined! Since zero was not one of the rating options, I had to pick one on a five scale, which is an overrating to say the least.
I've been getting insurance here for a while now. No complaints. I often get messages saying they need more information, I never really respond to those.
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.