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…
9355 Culebra Rd Ste 105San Antonio, TX 78251
From Business: Visit your San Antonio Direct Auto & Life Insurance for affordable auto insurance, motorcycle insurance, and term life insurance. At Direct, we work with you to help you determine the best policy for your needs, whether you’re in need of SR-22 certification, car insurance for a teen driver, or commercial auto insurance for…
434 N Loop 1604 W Ste 1203San Antonio, TX 78232
From Business: I’ve gotten to know many local families as an Allstate agent in San Antonio. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I look forward to getting to know you and helping you to find the solutions that meet your needs.I’m committed to helping San Antonio resid…
8000 W Interstate 10 Ste 675San Antonio, TX 78230
Great job at explaining coverages on my home policy. I got better coverages at a significantly better price. I got better coverages on both my house and my cars and am actually paying less.
2379 NE Loop 410 Ste 114San Antonio, TX 78217
From Business: As your personal Farmers Insurance agent located in San Antonio, I believe in keeping you informed of ways to protect what's important to you. Whether you're looking for auto insurance, homeowners insurance, life insurance, or specialty coverage, Farmers Insurance will help you select the right products to fit your insuran…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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I am a local independant insurance agent in the Dallas Metroplex. We represent many insurance companies and have found Pronto to be in our top three chosen by our clients. The major insurance companies require a credit check when purchasing auto insurance. Times have been tough and many of our clients credit scores have been bruised by the economy. Unfortunatly, as the credit decreases in score, the seesaw effect occures with an increase in the renewal premium. Pronto does not credit score. We have moved many of our clients to Pronto with great success. Claims? Yes they occur. Our office is contacted immedietly after a claim by a Pronto represenative. I appreciate this act, most of our other companies do not notify us. This month, Jan. 2011, we have had 3+ claims with Pronto clients. All were handled professionally and we had only praises from our clients involved. Realize that it is the responsibility of the insured to respond back to all calls from claims represenativies. Many claims are "dragged" for long periods of time do to the neglect from all parties involved. "Slow down and pay attention", we will all live longer....
I've been to a few Physical Therapy Centers over the years, but nothing compares to San Antonio Center for Physical Therapy! The staff is second to none. They are super friendly, and ready to help in any way possible.I really enjoyed all of my visits. It felt like I was working out with friends! Brian Nietz is an amazing Doctor of Therapy. He is very knowledgeable, professional, and an absolute blast to be around. I am a 40 year old athlete. A few months ago, I tore some ligaments around my ankle to go along with previous ankle injuries. My ankle was in pretty bad shape. The first doctor I went to said I needed multiple surgeries to repair the damage, and that I would never walk again. So I went for a second opinion. This time the doctor recommended Physical Therapy. To make a long story short, I went to San Antonio Center for Physical Therapy, and here I am playing basketball a few months later. Running and jumping after the first doctor said it wasn't possible. I will be forever in debt to Brian and his staff for literally getting me back on my feet! They are truly the best Physical Therapy Center in town!
I've had quotes from many companies, including Progressive, State farm, Allstate along with others. Nobody even comes close to touching the great rate I pay at Pronto. I have all the coverage I need at half the rate of most other companies. I was involved in a collision a few months ago, where I was sitting at a red light and was the 2nd in a 4 car collision (Not my fault obviously) Pronto was quick to respond and within a few days, I had a check to cover repairs. They also went after the responsible party to attempt to get me reimbursed for my deductible, but was unsuccessful. This was not their fault, it was due to the responsible party basically skipping out on the whole thing. The point is, that they kept me in the loop throughout the whole process and were very helpful. With such great rates and service, why would anyone go elsewhere for their auto insurance?
If you like personalized service with a dedicated physical therapist working with you then this is the clinic to go to. I've seen a few PTs and was pleasantly surprised with Mike Barnes style and professionalism. From speedy registration, expert evaluation and treatment I would give this professional a 9+. The last PT I worked with, I was lined up with 5 other patients in an open room style whilst the PT or his two students worked with me - a 30 minute treatment dragged out for 60 minutes. So if you like your privacy and efficient treatment times, don't hesitate to call this clinic. Located just a two minutes drive from the IH10/Boerne Stage Rd Intersection (tucked behind the HEB supermarket), this clinic is extraordinarily convenient with extremely accommodating hours (as early as 6:30 a.m. and as late as 7:00 p.m.)
My daughter has been attending A Plus Pediatric Rehad for over 3 months for speech therapy. She began at around 13 months old. Her speech has developed steadily since. The clinic director is a very nice, helpful lady. All the employees seem very sweet and understanding too. The only thing i'd have to say is that i wish they were more informative about my daughter's progress. They simply take the child in, do whatever it is they do, bring her out to you and say bye. You never get any updates on improvement, or suggestions on how to help ur child at home. Even when u ask, you'll simply get a "she did good" or "she cried today". Some therapists are better about it than others, though. Besides, this point, this location is a very nice place. I wouldnt change it.
If you are seriously in the market for a new home in San Antonio, you have to visit Dreamworks Realty & Lifestyles. They have a total of 7 different builders to choose from, mortgage lenders, real estate agents, and an in-house architectural designer all in one location. No need to drive all over town anymore. Anything from new, custom, or pre-owned, you can find here. With their no-pressure approach, it's like going to a car dealership on a Sunday. What's even better is that with the relaxed atmosphere comes a wealth of knowledge from their agents. Dreamworks Realty has your back and that's why they've earned a 5 star rating from me. Visit their site for more: www.DreamworksSA.com
Wanted to compliment the service I received from this company and my Apartment finder, sheer professionalism. I moved in from NC and was amazed to find this service truly free. The gentleman assisting me in this process was very knowledgeable and did make the extra effort to contact the apartments and take me along to preview them. Furthermore, the company provided movers to unload my rental truck which was huge considering the apartment was on the third floor and at no cost to me. Thank you for the efforts and I truly appreciate it. Definitely recommend if your on the hunt for an apt in San Antonio.
we lived in a davidson rental for three years and never had any problems with the company or the house. we actually had to break our lease early, but davidson and the owner worked with us, and after paying the reletting fees, the house was quickly on the market which was good for us because someone leased it a week later. the owner was wonderful and understanding of our situation so we are very blessed. we did have to have pest control come out a few times a year but thats pretty typical of san antonio. we have to do the same thing at our new place too here in houston.
It has been a pleasure to be a tenant of Hendricks from day one. The whole team has been very easy to deal with, and super responsive with issues. From the office staff to the maintenance guys, you'll find nothing but helpful people you can rely on. Even their website is great, and makes paying rent online a breeze. As someone who has rented for almost 10 years, across various cities and states, from private owners, other management companies, and huge corporate high-rises, I can easily say Hendricks Property Services is one of the best.
The staff has been very polite and helpful. We needed to move immediately and they were willing to work with us to get us in quick and easy. They emailed us the lease and we went through the whole process electronically which was soo convenient. The house is in good shape, but we've had a few maintenance issues since moving in (primarily AC) and they have been quick to get the problems fixed ---still getting used to the Texas heat, lol. We're very happy and hope to be here for a few years. Good neighborhood, good schools.
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.