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…
10011 W 21st St N Ste 107Wichita, KS 67205
From Business: Only an Allstate agent can give you a fast, free Good Hands® Coverage Checkup. You'll see what coverage you may need and what discounts you deserve. Drivers who s…
714 N Main StNewton, KS 67114
From Business: Miller Insurance Agency was established in 1978. We have built our business one customer at a time. We have competent staff ready to assist you with your personal…
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 used to hate the car buying process but thanks to everyone at Scholfield Lexus I no longer dread going to the dealership. They made it the best car buying experience ever! I felt like part of the Lexus family before I even bought a car. They went out of their way to make sure that everything was perfect for us. I can't say enough good things about the dealership, the sales people and the service department. Everyone was extremely friendly, not at all pushy, and very knowledgeable about the cars. Now that we have the car we can take it in for free car washes anytime, courtesy car when our car is being serviced and complimentary trips to the airport. They did everything possible to make sure that we were beyond satisfied and they definitely succeeded. I would recommend Scholfield Lexus to anyone who is looking to get amazing customer service, not just while you buy the car, but once you own it!
My car recently took a crap and I just finalized my bankruptcy and after being denied almost everywhere else I went in last Monday to see if I could get financed on a ford focus they had there, I told them my situation and my desperate need of a car with school coming back up for my kids and after about 5 minutes I was approved for it. If I would have known it was that easy I would have just started here, if I knew about them before then that is . So far the car is doing great and I haven't had any issues with it other then my tire pressure light always staying on but they fixed that as soon as I made it back in there , didn't even have to wait long unlike other car lots I've bought from. I will definitely be going back here and recommending them to my friends. Thank you guys, you really helped me and my kids out with this car.
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.
I went into the office to make a payment like I always do, but to my suprise there were new faces that I didn't know from my ten years of being with State Farm. I was given a new agent because my old agent retired. Melissa Garcia and her team are wonderful. They have made this transition easy and are willing to listen and help their clients whenever they need. Melissa and her team have such an eager passion to do right by their clients, that I know I am in good hands and very secure with my policies at Melissa Garcia's agency. If you are not greeted with a friendly, warm smile and handed a refreshment with a drink the moment you step into your insurance office, then I encourage you to stop by Melissa's office and see what you're missing!
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 am so happy that I choose to go with Mrs. Mabry's office they are the most kind, personable, and informative agency I've been with. I have had to call with multiple questions about my personal and business insurance and I have never felt like they were tired of me or I was bothering them. Anytime I have called if Jennifer is unavailable she calls me back within a couple hours and already has the answers to all my questions plus quotes right in front of her. We all know how many insurance companies are out their but I promise there is not one like hers.
I bought two cars at Family Motors when I was having trouble getting a car anywhere else and was treated with upmost respect there. They approved me quickly and I was driving the car home within a couple of hours of test driving it. I was so pleased that they report my credit to the credit bureau, and after paying off the second car, I was able to buy at a new car store due to the improved credit score. I was sad to leave Family Motors, but very happy that they helped me improve my credit and also my self esteme. Thank you Family Motors!!!
i bought a car from them last year and it has been doing really well, had a few issues here and there but hey its a used car (2003 Ford Escape) but they always got it fixed for me at really cheap prices and had it to me the same if not the next day. The salesman was really patient and polite, he was never pushy like the salesman at other car lots are and their mechanic Edward always goes the extra mile when i bring it in for service. All around a really enjoyable experience and friendly people. I will most definitely buy my next car here :)
Do you honestly thing it's ok to just accuse a business owner of all the things you are accusing you must be a psycho to accuse someone of the things you are stating. Stealing a tag? Disconnecting light? You sound like a jealous x girlfriend. I just bought a 2005 f150 from hess motors and I can honestly say it was the best experience I have ever had with a dealership and I have been buying cars for over 20 years. I will recommend everyone I know to hess motors fair honest and affordable prices all rolled into one thanks again Jerry
Dealer has cars some with salvage title. He is straight forward. we looked at an 07 Altima with 51,000 miles for 10,999. We asked if he would go for 10, he said 10,400 and would honor a 90 day 100% bumper to bumper warranty, this was on saturday. We came back on Tuesday and I asked about the offer and he actually had an offer on the car for 10,600. He still honored our deal and kept true to his word. You don't find that at big retail dealers, they will not help or be honest about anything. I am very happy with my 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.