What to Know About: Insurance »
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In the event of a disaster that affects your home and property, what are your options?
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Karen was the complete professional and very knowledgeable about our taxes. She truly great at what she does and I would recommend her to all of my friends. Great job and thanks again Karen.Darryl
Year after Year they never let me down!!! Always wonderful customer service, makes me comfortable with doing business here. Ever since I started coming here, I haven't thought twice about going anywhere else & I've been sending EVERYONE I know here to get there taxes done. Thanks Nidar for your amazing customer service.
Great people! Mateen is a very great humble person as well as the rest of his team. You will not be disappointed when you walk out of their door!
had a great experience at Adriana's insurance thanks to Rebeca!! She was very helpful. She explained everything and made me feel comfortable with my choices. It was my first time buying insurance and I'm glad I had that experience with Rebeca. Recently, I went back and she is no longer there!! I give them 4 stars for her service. I would've given them 5 stars if she was still there.
Thank you, once again Patricia. For your help on short selling my home and getting me back on my feet. I have already recommended your services to several people close to me. Keep up the great work.
Patricia Rocha is a wonderful realtor. If you are looking to buy a home I highly recommend her services. She is hard working,honest,professional and has your best interest in hand. Speaking from personal experience.
Patricia Rocha is a outstanding Real Estate Agent she is honest , pleasant, hard-working. I highly recommend Patricia. She has been our real estate agent for many years...
Fantastic work. Easy and affordable. Without question the most professional document preparer around. There is nothing that they cannot help you with. They even have a courier service.
My fiancee contacted Gabby with the good new and she stated "NO!!!!! I will give the the $3500 from my commission but please PLEASE don't sell the gates, I promise you that." Though we desperately needed the money, we kept our faith in Gabby and told the neighbor, "no"At one time, my fiancee and I while checking on our home, we noticed the back garage door was kicked it, are personal belongings were in the garage, luckly nothing was missing, I wanted to call the police, but I first contacted Gabby" she informed us that, it was ok, she informed the inspector to go ahead and kick the garage door in, Shocked, I asked my fiancee "WHY?!!" Gabby then informed us that because we didn't answer our phone she had no choice. Which was A LIE because our phone records show NO ATTEMPT of her even trying to contact us...NOTHING!Moving forward, Gabby informed us that she had a confirmed Short Sell and forced my fiancee to drive over 45 mins on different occasions,( not even offering any gas money) to sign her papers for the short sell. At the time my fiancee did everything and anything to help Gabby "Make this happen" with the reassurance that he can expect something, knowing he was loosing the one dream he ever had, a home he built with his own 2 hands.Upon signing his last papers with Gabby, Gabby informed my fiancee that a lawsuit may be being filed on him, from the new owners for the missing appliance and demanded the keys to our home, my fiancee trusted this women and believed her, gave her the key and spent many sleepless nights hoping a lawsuit wouldn't happen and hopefully the money comes soon. Well, I should have known when Gabby stopped contacting us, never answer any text message. We attempted to contact her everyday, then FINALLY she calls my fiancee and state "it hasn't closed yet, I am still waiting for the final papers and the new owners are trying to file a lawsuit on you"....that was a week and a half ago.My close friend of mine is a Realtor and looked into this situation for us...come to find out:1. the house closed on 10/10/20122. Gabby got paid her $21,000 commission3. Gabby LIED in the paperwork and stated "The owners walked AWAY"4. In the contract it states the the appliances were negotiable, meaning if u want them u have to ask but doesn't mean u get them cause its up to the owner I have tried to contact Gabby in regards to this matter, and she has her husband contact us, informing us to stop contacting Gabby or we will have to contend with the Century 21 attorney's! Gabby REFUSES to lived up to her promises. I will be filing with the "Department of Consumer Complaints" the "National Board of Realtors" and the BBB.
Do not use Gabby S. from Century 21 King..I never thought ANY would be as dishonest as her. My fiancee built his custom home in Rancho at the age of 27 and worked himself almost to death trying to afford and keep his home, but the economy won against him and in trusted a friends wife to help him sell his home. First of all Gabby S. business ethics are HORRIBLE,..she will be nice to your face and pretend to care about your well being, but once the money is in her hands...GONE!! We lived in our home while Gabby was trying to sell it on the market, on numerous occasions, strangers off the street with NO REALTOR would walk in our home! Granted, I should always keep the doors locked, but for people just to walk in? I contacted Gabby and her excuse was "oohh I'm so sorry, um..I thought a Realtor was with them..its ok" that happened more then once. Keep in mind we were still living there! Gabby is horrible at communicating UNLESS it is something that will benefit her, there was an occasion when my fiancee was showering and a REALTOR with a FAMILY walked right into the master bedroom/bathroom while he was towel drying!! Her excuse "Ooohhh they showed up? oohhh I thought they rescheduled" I can go on, on ALL the un supervised, unexpected, walk ins that we experienced because of Gabby's non professionalism! But it doesn't stop there.Gabby was unable to sell the home (probably because out of the 30-40 people that came to look at our home, she was probably present 5 times) so she made sure it went to a Short Sell, knowing she would bank off the profit and she did indeed, but let me back up.We grew uncomfortable living in our own home because at one point there were at least 2 appointments A DAY showing UP! I guess because I was a full time student and my fiancee worked full time, we were not always available to answer when she texted us "People will be at the house in 15 mins, its OK?....ok thank you" our lives were disrupted...completely disruptedMy fiancee grew tired of the unexpected visit and demands of Gabby and asked her, "Would it be more easier if we rented a place so you can sell the home, would you be able to help us out in anyway?" Gabby's response was "Oh YES!!!..yes, I will give you some of my commission (kickback) to help you out...I'm so sorry for all the disruptions" My fiancee was laid off from work and we relocated about 45 mins from Rancho Cucamonga, because that was all we could afford. Gabby also stated "I promise to help you out once I get my commission, but I can't tell you how much because I could loose my license, so I promise I will help you out" so we believed her. My fiancee and I still had personal belongings in our home and struggled to move, we simply could not afford to hire someone to help us, so we moved one load at a time to our current rental. On one of our trips from Rancho to our new rental, a neighbor approached us and offered us $3500 for our wrought iron gates we had in front of our home, because we were starving and struggling to get by, we informed our neighbor that we need to run it by our Realtor first.
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.