Car Accident Aftermath »
No matter whether an accident involved a freshly licensed teen or an experienced driver, knowing what to do (or not do) is essential to bouncing back.
501 N Monroe StTallahassee, FL 32301
From Business: Firestone Complete Auto Care is a full-service auto maintenance and repair shop offering a large and affordable selection of tires, convenient hours & locations f…
7120 E Golf Links RdTucson, AZ 85730
From Business: We are the experts in transmission repair and complete car care - clutches, brakes, factory scheduled maintenance, electrical, check engine lights, radiators, ove…
5505 Tower RdTallahassee, FL 32303
From Business: Our bussiness provides light, medium and heavy duty towing, local and long distance. Also, heavy hauling, accident recovery, winching, lockouts, jump starts, pull…
Serving the Tallahassee Area.
From Business: RoadRunner Auto Transport is a leading provider of reliable nationwide door-to-door auto shipping services. With a history of dependability and innovation, we're …
No matter whether an accident involved a freshly licensed teen or an experienced driver, knowing what to do (or not do) is essential to bouncing back.
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 wife and I recently moved to Tallahassee from Tampa after purchasing her a new Lexus IS250. This was the first new "luxury" car we had ever purchased, and the largest purchase ever besides our home. Not but two months of owning the car, I hit a deer one evening. Needless to say I was grateful for only two dents, but they were located on extremely difficult locations over the wheel well and back right door frame, both on creases. I was extremely skeptical Precision Dent Removal could help due to the location, but I had seen Jeremy's work and he insured me they could repair them. So needless to say, I had high expectations. I also had a 'welcome' to Tallahassee door ding from a beat up mini-van who parked two inches from the car in a grocery store parking lot (Next time I'll be waiting...). I missed the major door ding on the front wheel well, and assumed no one had gotten out on that side since it was only two inches apart. WRONG! Once I got home and the wife saw it, I was in deep doo doo. This one was extremely noticeable due to the location once again on the front left quarter panel right on a crease. This one I thought for sure would not be repairable, and I was extremely concerned they could improve but not completely repair. All three dents were completely removed and look as if they never happened! The Lexus is back to it's glorious starfire pearlescent beautiful body! Have complete faith in Jeremy and his professional staff. I would recommend them to anyone who has dents, dings, or damage without paint removal. They are consummate professionals and will get word of mouth recommendations for life from me. I plan on returning with my prized 1995 300ZX Twin Turbo for some additional work. THANK YOU Jeremy for getting me out of the dog house with my wife!!!! Mike
Absolutely terrific, Michael and his staff are in the business of taking care of their customers. I was terrified of buying a used car due to the horror stories many of us hear (or have personally faced). As soon as you walk into the door you can tell Michael’s Imports is different than the rest. When I walked in I said I was interested in a vehicle and Todd (awesome guy) simply handed me the keys and said, “Here you go, take it for a drive and let me know if you’re interested.” Absolutely no pressure at all there. When I did buy the car, I had some mechanical issues arise that they likely wouldn’t have been able to discover before selling me the car. When I called and spoke to Michael, he immediately sent me to a mechanic and took care of all my issues at no cost to me. Under contract he did not have to do that and could have simply told me it wasn’t his problem, but he is clearly in the business of taking care of his customers and doing the right thing. Bottom line, if you’re going to buy a used car, you shouldn’t look anywhere else. You’ll be treated like a human being and valued customer at Michael’s Imports.
I have been waiting for about 7 years to buy a car. Over the years I have encountered very rude sales man especially with questions that I had.my mother in law recently bought a jeep from then and informed me if her experience so I filled out the contact form online an received a call with in and 1hr and made my appointment. But my 1stAt ultimate image auto and treatted me With respect And didn't try to force any kinda of a car down my throat. I come in knowing what type of vehicle I was interested in. Angelo Mickens show me different types ( due to a change in heart of my part.) was very polite, patient, respectful. Chris who is the manager was also polite and very informative. He also treated me with respect and didn't try to sell me anything that was not needed. Any who I highly recommend this auto dealer. At other car dealer ships I was treat horribly especially if my husband wasn't with me. MY CAR BUYING EXPERIENCED WAS ABOVE AND BEYOND. THANK YOU ULTIMATE IMAGE AUTO.
Looking for the highest quality results? Visit Precision Dent Removal. I am very picky about the appearance of my cars and have had work done at other paintless dent repair shops when I lived in another part of the country. Precision Dent Removal technicians take pride in their work and deliver the best results by far that I have ever experienced. Jeremy and his team have worked on three of my cars. My silver car had a nasty crease dent just above the rear wheel. Those types of dents can be very difficult to repair. It took a couple of hours but Jeremy made it DISAPPEAR. Another car had a dented hood. Precision Dent Repair made it look like new. They also fixed the annoying parking lot door dings on all the cars. These repairs were done at a fraction of the cost of a body shop. As an important bonus the superior factory baked on finish was preserved on the cars. I will be back whenever I need paintless dent repair work done.
I used Jeremy a few years ago when my husband's car was dented by a motorist in Destin. He did an amazing job for such a great price. The dent was literally gone. Recently a ladder fell over on my new car. My car went from looking great to looking awful. The worst of the dents was just above my back seat door, right where the metal curves. It was pretty significant. My husband said, "No one can "fix" this dent. We will have to get the whole area replaced in order for it to look good again." I was a little skeptical myself. However, I called Precision Dent Removal and spoke with Jeremy. He assured me that it would look perfect. And guess what? It does. My husband is still in shock. We will always use Precision and I will tell all my friends to go if they are in need of work such as this. Thanks, guys!!
Today I bought a gorgeous, immaculate Chevy Silverado from David at Used Car Supermarket. I consider myself to be a savvy consumer. I had driven several trucks from several places to be sure I got the most truck my money could buy and almost made a terrible mistake and bought from another dealer. Thank goodness that at the last minute David explained to me that the other truck had after market rims and because of the lower profile I would not be suitable to towing the travel trailer I am going to get.The other dealer denied this so I confirmed what he told me with the local Goodyear dealer. Had it not have been for David's extraordinary product knowledge I would be in an awful mess THANK YOU DAVID GREAT WORK!
A bigThank you to Robbie Andrews, Randy and the others at Used Car Supermarket. I felt welcomed, I was treated like Royalty, I was given the space to choose a beautiful car-low miles in mint condition for $6,000 like new to me with payments easily affordable-peace of mind. They told me when a customer purchases a car from them, they become part of the family. The customer then is able to bring the car back to the Used Car Supermarket mechanic/garage for maintenance, etc. The cars even come with a warranty. They do not have balloons, fanfare, come-ons etc.They even loaned me a car to drive across town to go to the credit unionand pick up my son from school. These people are just really nice to work with,.
Hands down the best place in town. I have taken my cars to a multitude of places here in town and after finding Newman's I wont go anywhere else. Great example of their service:Last summer, my A/C broke. I took it to six places, all six told me it would be over a thousand dollar repair. I didn't have the money, so I drove all summer long with no A/C. Life was not fun. This summer, I took it to Newman's on a friend's recommendation. They pop the hood, say "there is a small part that is a common problem with this model. Let me try that first." Fixed it. Five minutes, $60 later and I had working A/C. They didn't charge me labor and even topped my Freon for free! They just can't be beat.
My 2013 Toyota Prius was side swiped by a tractor-trailer causing damage to the rear quarter panel, both doors and the front mask; almost totaled. The damage was so severe that I didn't think it would ever look good. I was wrong! Everything was turned back to factory level and works as it should. Chris installed the new quarter panel which needed to be fully welded back on. He made such an outstanding repair that you cannot tell my car was ever damaged. Go speak to Dan should you need work done to your vehicle, he was very easy to work with and took extreme care with all the details. I couldn't be happier with my experience with them. -David V.-
I bought an old Chevy S10 pickup truck and it had a problem of shutting off after a few hours of driving. I had other people look at it, and replace pretty much every sensor on the motor but Eli found the problem right away, it was the Fuel Pump and sensor. When he pulled it out it had turned brown with age and it had paper wrap around the intake of the pump. Which when I saw it, it made sense, the paper floated around and when I hit a bump or turned a corner sharply the motor shut off, when I let it set a few minutes it would start back up. I wouldn't take my truck to anyone else and I highly recommend him!
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.