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.
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…
All it takes is a little preparation to get your car winter-ready and to keep from getting into an icy situation.
Idk if it was just me but I have mixed feelings about this place. I walk in randomly ask they if they have a sale on their ac check up ect since I heard a lot of places are doing free diagnostics. They said they had a 90.00 special to put the freon and charge your ac! Sick of being in the heat I agreed. I wait an hour or so and come back to check on it they tell me oh there was parts of your ac missing (relays) that we put freon in it but it won't work without those parts. Quoted me 200.00 and they couldn't guarantee anything. Then they said if that doesn't work it would cost me 1500 for a whole new ac thing. So instead of calling me and telling me these parts are missing thy cant do anything they still charged me the 90.00 for nothing. So with the print off they gave me of the 3 parts that were missing and the 200 quote I decided to quit wasting my money bout the 3 parts totaling 40.00 at autozone went to a mechanic on Oliver took him 3 sec to plug in relays and bam ice cold and he charged me 5.00. I was thinking it would be something huge to fix and bam there were seriously just a maker of plugging in something. Any mechanic could of looked at the ac box thing and could tell if parts were missing instead of charging me 100.00 just to tell me my ac won't work because of it. I'm glad i saved my 200.00 just wish I would of drive to someone who was doing a free diagnostics. From now on I'm going to wright automotive across from Mayberry he's honest and told me straight up what I needed and he only charged me for the product not labor for something tht took sec to fix. Of course I tip generously to someone honest. Anyways that was my first time and hopefully last time trying them out.
I have been coming to this shop for about ten years now. I am one of those people who call around to get the best price. What I have learned in those ten years is no matter what price people give you really doesn't matter if the job is not done right. It's good to know that not only is job done right at NTB on West Street but the prices are better then most. I have taken Cars, trucks, and an suv to this shop. I also like to see that some of the employees are the same ten years later (Pat). Greg is my Chevy guy in the shop as well. I like to use Jose on break work calipers, pads, drums, and rotors. The manager up there is Wes. The great thing about this guy is his knowledge and his commitment to the customer. I strongly recommend this shop in Wichita Kansas on West Street. Happy customers come back. So I will be back especially to take advantage of the buy 2 get 2 tires free. 5 stars. Thank you all very much for the jobs you have done for me.
I bought new tires from NTB in November of 2014. When installed they did their free alignment check and stated that my car needed aligned. I ask them if it would wait until the first rotation and was told yes but no longer. Fast forward to 8/7/2015 and 10K miles more. I had been real busy and neglected both my oil change and rotation. I had started noticing a little vibration and pull to the right. When I went into the store they couldn’t believe the tech had told me I could wait on the alignment and it had ruined both front tires. With no questions asked the were willing to replace both tires for free on the road hazard if I would pay for alignment and balance and buy road hazard for the new tires. Then they discounted the alignment by 25% for my troubles. I highly recommend the Wichita store and the service manager. Great business with exultant customer service!
Bill and his stellar service men are a world class organization. Bill treats you respect, honesty, and always gives you options for repairs as far as what each type of repair will give you as a result of that service. I would never take my car anywhere else. He’s better than most of my doctors and I have MS. With Bill I am in totally control as far as the destiny of my vehicle is concerned. He asks before he repairs. That is so refreshing. I’d give him a million stars if possible. I’m disabled and raised two boys of my own and he kept all of us safety driving on the road at all times. I’ve never about my car breaking down. If you want the best quality, for a low price and fast delivery, this Kansasland tire team lead by Bill is who you want to see. A+++++++
I was having problems with my Dodge Avenger and took it to another shop and they told me the repairs were going to be around $1,500!! The mechanic was so rude and I felt like he was just trying to take advantage of the fact that I am a woman and that I do not know a whole lot about cars. I decided to get a second opinion so I took it to The Clutch Guys. Thank God I did!! Turns out that the other shop was trying to scam me! The Clutch Guys diagnosed the actual problem and it was only $200! I was treated with kindness and respect and the owner took the time to show me exactly what the problem was and answered all my questions!It is so good to know that there are still some honest mechanics! I will be referring The Clutch Guys to all of my friends and family!
Jennifer and Pam have always been the greatest to us! We started out with her predecessor, Mr. Mungoya, in 2005 when my husband bought his escape. When we met, and started building a life together, I switched my insurance over to him, as well. After he stepped down, Jennifer took over and her business has really flourished. Now, we have both our vehicles, our home owners insurance, Umbrella coverage, and some life insurance. I've looked many other places, and while some may save me a few pennies, Jennifer's warm smile and genuine concern for me and my family keep us with her. She always wants what's best for us, not best for her. She has watched us grow and change as a family, and it has been a real treasure having an insurance agent who is also a friend.
Just bought a new car and started to freak out when I started to feel a kick in my transmisson at 30-40 mph. I called autozone to see if they would check my transmisson out since they tested other car parts of mine. They said thy don't but recommend me to wright automotive by maple and west. So I go there and we drive my car instantly when it kicked he knew exactly what it was. Said it sounded like a weak transmission checked my transmisson fluid which was low. So he put some transmission fluid in and it started to slowly quit kicking. It's been 2 days now and my transmission quit kicking! Made me so happy to know he was honest and didn't try to sell me a new transmission! Hopefully won't have to but I'll continue to go there from now on.
I take my truck to Eric cause he s honest and can sometimes help you thru just a phone call I don't know what this Karin r guy is talkin about but I do know if he took his vehicle there when eric first opened his shop eric was the only mechanic there and had back orders to get done first which I'm sure he explained to this guy he has help now and is very good and very well priced and is very good at what he does before I met eric I took one of my old cars to a mechanic shop to have shocks replaced all the way around and was charged over 1500 just for parts and labor so if your not wanting to spend unneccesary money getting your vehicle fixed I highly recommend eric if you don't believe go to his shop on maple I bet you'll be surprised
I was frustrated with the dealership always wanting to up sell service. Sure the oil change was very reasonable, but the list of so called needed repairs confused me. How could my car have so much wrong with it every 8,000 miles? The last list from the dealer I brought to Star motors. They were very knowledgeable and helpful; at no charge they reviewed the list and inspected my car. No pressure only honest straight forward estimate of needed repairs. Yes they did save me some money on some of the repairs, but most important they answered my questions and concerns about the repairs they said, could wait until my next scheduled service. We developed a plan to complete the necessary service in a timely manner.
I've be Central Automotive since they've been at their current location. The owner, Bill, is the best guy ever. He began working on my Mercury Grand Marquis which had an electric short in it. He couldn't find it so he took the time to weld any where a weld could be and that finally fixed this very expensive problem. At the time, I was a mom with two children and no money. Bill was there whenever I needed him. I haven't gone to another repair shop because he deserves the loyalty. He has checked out every car I bought since the Merc and given me his A-ok until I bought a brand new car.
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.