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…
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.
Home security comprises a number of different technologies, tools and techniques. Choose one that fits your needs and your budget.
I've never had such a dedicated salesman as Hyrum Strong. As someone that shops around a lot to make sure I get the best deal possible, let me assure you that Hyrum will do everything in his power to get you an amazing deal. Which is made possible by all the rebates that Ken Garff is willing to do.I was sold on Hyundai (especially the Elantras) in 2010 when I did months of research to find out what would be the best car for me. Elantras have won numerous awards for safety and just generally being amazing vehicles. I learned back then that Hyundai's are generally less expensive to repair than, say, the Honda I had been tempted by. They're incredibly reliable. I put 70,000 miles on my 2010, and never had to do any repairs. At an average of 32 miles per gallon, you're only really going to beat the fuel economy by going hybrid (which you could get a hybrid Sonata, by the way).What I didn't realize when I meandered onto the lot was how much Elantras have changed in the four years since I bought my first. Hyrum was very well educated on the new features that Hyundai has adopted. But it wasn't just that which made Hyrum an excellent person to work with, it was the fact that he listened. When I explained that I suck at backing up, he responded by showing me the upgrade from the base model that has a back up camera. When I said I didn't need certain features, we moved on to the car that had what I'd asked for. I don't like being sold things I don't need, and I didn't need to ever explain that to Hyrum. He taught me the pros and cons of features instead of just proclaiming that I needed it all.I don't think I need to go off on all of the features Hyundai has added (since Hyrum can do that for you). I would like to mention, though, that Hyrum taught me how to use the features. Instead of just saying "The new Elantras have Shiftronic!" he explained to me what it was. I think we've all had experiences with salespeople that didn't really know much about the product. I had the opposite experience with Hyrum, he knew about each of the features and was able to point them out on our test drive.Having said all this, I have one final word of praise to give Hyrum. Patience. He had to wait for me as I called my dad, then my mom, then my brother, then my brother in law.... and then wait for my mom to arrive on the scene with the intent (which she admitted immediately) of talking me out of buying a new car. A typical salesman would try to get me away from my mom, the dissenter. Or they would have warped things to be in their favor. But Hyrum showed that he truly wanted what was best for me. He could see that I had the situation handled and didn't try to get in between us, and offered help when I needed it. And in the end... my mom agreed it was the best decision to make. She even offered me money to help out with buying the car.A good salesman is looking out for you, making sure that you're pleased, not only with the experience, but with the result. Hyrum has made sure that I'm taken care of. When I've had questions about the car, he's been more than happy to answer them. I am in love with my car, and Ken Garff Hyundai has made a life long customer.
I love having lived here for the past 2 years. I have a ton of fun memories and for the most part all the tenants here are pretty cool. Devyn and the leasing office girls are always really nice to me and always responsive and cooperative. The apartment comes with a relatively good internet package as well as a generous Direct TV group pricing. I instantly fell in love with the beautiful wood floors and the recently upgraded kitchen. I have a great view. It’s an amazing location in the middle of downtown. I just love, love this place! Good apartments at a good price. They worked with me when I couldn't move in for a month after signing the lease, and also worked to quickly resolve the smelly carpets when the cleaning didn't work. Lotus takes maintenance requests seriously and is prompt in addressing the issues. When I had an accident and wasn't able to pay rent on time, they were nice enough to give me an extension. The apartments are quiet, convenient to public transit and easy access to downtown, and just the right size. There’s a bus stop right in front of the apartment complex and plenty of parking space. The lawns are always well kept. Everything is well maintained. Lotus is a great management company. I've never had a problem with them. I have been extremely happy with the professional manner in which Devyn’s team has assisted in ensuring a worry free and quality home environment.
We called ServiceMaster of Salt Lake after being referred by our neighbors. We had a broken water line to a toilet that flooded our basement before it was discovered. ServiceMaster of Salt Lake responded quickly. On their arrival they appraised the situation and told us our options. We called ServiceMaster knowing we would be a self pay for their services. Their technicians started by extracting all the standing water, pulling up carpet and pad. They placed varies types of air movers to achieve the desired air flow, we had the heater already going since this was in November. ServiceMaster of Salt Lake took measurements with their different tools to see how wet the floor was and how much water was absorbed by the drywall. We talked to them about minimizing our bill and ask what we could do. The crew leader explained some simple thinks we could do like cut out dry wall and pull carpet pad, which we did. We were able to work them in reducing our bill. Their service was better than expected and we very happy with all levels of their service.
Ledingham properties took over the lease of a property that myself and several other housemates had been renting for two years. They took care of more issues and offered more clear communication in the brief period of managing our rental than the previous leasing agency had the entire time we had been there. They worked with the owner to extend our lease for a month because of some unavoidable issues that prevented us from moving earlier. They performed a very fair inspection of the house condition when we left even though we didn't sign a lease that they wrote in the beginning. RaNae was completely willing to work with me in letting me know what their expectations were for cleaning and repair and she was impeccably honest with me about my expectations for the work I put in to that so no one was left on the losing end of a difficult situation. The honesty and willingness to communicate that Ledingham Properties acted with is something I wish I experienced much more often.
I bought my BMW from them. It drives like a dream! When I took it on a Test Drive I noticed that the spark plug light was on. I decided to buy the car. In the contract they said that after service dept. looks at car If they see they need replacing they will do so. It has been 7 months since I bought the car, during that time I only put maybe 2,000 miles. This month I put a long drive on the car out to Oregon. I started having a lot of issues with the car. Mostly just small things. One of the problems was the spark plug light and also ma misfire. The shop showed me the plugs and said they need replacing. I was hmm, I guess the service guys did not change them. After a call back to Ken Garff Hyundai, I spoke to the main guy, and guess what; he is making good and paying to have them to be replaced!!! Yea they didnt do it the first time and they could of told me to kick rocks its been 7 months. This is why customer service is top notch here. Thanks guys!!!
Miller Estates is an awesome community to live at! I have lived from apartment to apartment for 5 years in a row now! This is the first place that I actually renewed my contract with them. The office staff is wonderful and will listen to you if you need help with anything. Jared is the best manager I have ever worked with. The grounds are beautiful and my dog has made many friends. What a great place to live! I have the greatest neighbors. I have only had to have maintenance come out to my apartment once, they were friendly and the issue was taken care of quickly. I have never lived in a complex that has had a pool party and movie night for the renters. What a great way to meet your neighbors and make new friends. I would recommend this complex to anyone who is looking for a place to live. They even let me use the clubhouse for a birthday party and didn't even make me pay to use it!
Dr. Griffiths and I have been working together for over 12 years after having been with a previous (not-so-great) therapist. He has worked with me as dealt with my father's death, grad school, relocating for work, and most recently, relationship issues. He is a great listener and asks questions and provides his input in our sessions. I may not always agree with his input but it is always something that I take into consideration. I know I can ask for his opinion and he freely provides it. Dr. Griffiths cares deeply for his clients well-being. In my current situation, he has been truly concerned about my emotional state and has expressed in concern. I would highly recommend Dr. Griffiths to anyone who needs an objective person to help them muddle through life. It is not an easy process but it helps to know that Dr. Griffiths is one of your cheerleaders.
The best ever!I've lived in many different apartment complexes over the years, but Lakeside Village is hands down THE best! The grounds are very well maintained and any maintenance items are taken care of immediately. The office staff is so sweet and always has freshly baked cookies in the office. As for the apartments themselves, they're updated and kept in great condition. Everything looked new when I moved in. Oh, one of the best things is that other tenants are so nice! Everyone says hi and waves. I love it. I don't ever want to move again! If you are looking for a peaceful place to live look no further. Great residents here are a direct result because of Jennifer, Amber, & Bill & his maintenance staff. So I say thank you guys for being nothing less than the absolute Best. 5* complex.
Precept Properties manages a 6-plex apartment building and a single family rental condominium for me. Marlyn had been managing the properties for the past number of years and has done a fantastic job keeping them in good repair and rented. She handles the city inspections and licensing and everything else that needs to be done including the recent construction of a new garage for the tenants of the 6-plex apartment building. Precept Properties is very timely with their monthly and annual statements that are complete, comprehensive, understandable and accurate. Marlyn is very available and responsive to questions and requests for assistance. I appreciate all Marlyn and Precept do for their tenants and clients and give them my highest praise recommendation.
I cannot say enough good things about working with Ledingham Properties! Everyone was so professional and great to work with. They completely took the stress of being a landlord away! They were great to my tenants and always kept in contact if something needed to be fixed. They offered their services if I needed a repairman to come out right away. It was so easy to set up automatic deposits and statements were always clear regarding the balance. I could not have asked for a better property management company- Thank you! I would recommend you to anyone and would definitely use your services again!Amanda Marin
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.