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…
1311 Industrial DrNew Braunfels, TX 78130
It’s been a long time that I still love MMA because of their services and their high standard quality products. Last 2 months ago I bought 1 Mike Tyson Hoody (Medium Size) worth of $69 and 1 Jaco Resurgence MMA Fight Shorts. The results were amazing! I love it! I've always had a good experienc…
8318 Jones Maltsberger Rd Ste 109San Antonio, TX 78216
We just moved to San Antonio from California , and my 7yr old son loves this place . Real family atmosphere feel and some awesome coaches here highly recommend .
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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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My daughter's doctor gave us the number to Abrazo because we didn't know what to do. She was not ready to be a mom but a baby was on the way. We called after hours and got the nicest lady, a counselor who answered all our questions and even offered to come meet with us right away. She was easy to talk to, and put my daughter and me right at ease. When we went to their offices, we were so impressed. It was beautiful. The whole staff was extremely professional, caring and approachable. They went out of their way to meet my daughter's needs, and expressed concern for me as well. Through Abrazo we found the most wonderful adoptive family, and they too had nothing but good things to say about this agency. Abrazo Adoptions does an excellent job of educating its clients about open adoption and why it's important for kids who are adopted, and as a result, my grandson's family has kept in touch and we see them each year at Camp Abrazo, the agency's summer reunion. They offer ongoing counseling for their birthparents, and also have a Forum on their website where anyone whose been impacted by adoption can find support. I've heard plenty of bad reports about other adoption agencies in San Antonio, but we are very proud to be part of the Abrazo community, and we are very glad we found them.
I am a very happy customer. We had our daughters quince this past weekend and I have to say dj solrac truly turned my daughter's quince into a real winter wonderland from uplighting, to gobo's to party show everything was great. The music was great the dance floor was full the whole night from the 1st song to the last. Line dances, show downs to even people on the floor break dancing. Omg memories we will never forget. The happiness in my daughters face, watching her dance with her friend and having the dj Interact with the young crowd and kept the party flowing was priceless. Many vendors make this day complete but I have to honestly say I received so so many compliments about my dj our lights our party show. That I cant express the excitement. So if you are looking for a dj that will have even the 80yr old grandmpa in the dance floor doing the gangnan style then this is your guy! The dj is ready to party. And he is dress in a very professional matter, this was important to me too since we where going to have important people from the airforce as guest, but when I seen my dj come in all dressed in his suit I was WOW! I can go on and on abt dj solrac. All I can say is that my husband and I will alwaya be his faithful customer for life!
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....
!!*A-W-E-S-O-M-E*!! The Extreme Challenge obstacle was THE MOST amazing inflatable we've ever experienced! I couldn't wait to get online to thank you. Young children to older adults from our LaVernia neighborhood were asking if they could play. This was more than just an inflatable slide, it was truly awesome. It was great the children &amp; teens could race their parents and each other. Not only an eye catcher but a kid-keeper too! We never wanted to get off! I was impressed with the entire TPW experience - professional with a personal feel. We found something beyond &quot;just fun for kids&quot; that we can look forward to and depend on. Thank you, thank you, thank you for making our daughter's birthday an awesome experience! And most importantly, many thank you's from all the adults and kids (young to teens) who came. We had more than a blast. If you guys were at the party, you would've been tackled with love!
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?
I have been to various other portrait studios for family photos but Heidi is far better than ANY of them! Rather than just having you sit and rush you through a quick picture or two, Heidi takes the time to learn what "look" you want to achieve and then teaches you HOW to make it happen. She uses her expert skills behind the camera to capture all of your style and emotion in amazing photos that you will have to see to believe. Her patience, genuine friendliness, and her excellent teaching abilities make the entire experience greatly enjoyable and a welcome break from the run of the mill studios I have previously visited. From now on, Heidi has my family’s business for professional photographs!
I LOVED working with Heidi! She made me feel SO comfortable in front of the camera and the shots we got were the best that were EVER taken of me! I went to get some modeling shots for my portfolio and we got SO many I could have filled my WHOLE book with just her shots! I'm already on her schedule to go back to get some underwater shots taken and we went for family photo's too. She is SO talented behind the camera and had us all having a great time and feeling like we knew her for years! AND I learned SOOOO MUCH! My brother is a photographer and I have NEVER seen photo's this good of ME! THANK YOU HEIDI!! I have already recommended you to everyone I know!
They are amazing!! Ive been renting bounces for events with this company for 2 years already! Birthday parties,Church events, Company picnics,Water FUN days, And sometimes just for My kids to have A great adventure after a long week of school!! I would suggest them to anyone! The "Grind" was the best! The kids where having a blast on the obstacle courses, even the adults just couldn't get enough! Thanks TEXAS PARTY WERKS for making every get together A time my family and friends will never forget!!
I was in need of several different types of insurance coverages during the Christmas holidays. Joseph C was very accommodating. He went out of his way to get me the coverage that I needed in a short period of time. This was not an easy task during the holidays due to the reduced staff at the main headquarters. The ladies in the office were also very freindly and helpful. Joseph C. was VERY accommodating. He went out of his way to get the coverages that I needed in a short am8unt
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.