zawada insurance worcester ma

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zawada insurance worcester ma

131 Millbury St

Worcester, MA 01610

Zawada Insurance Agency Summary

Zawada Insurance Agency Location

Worcester, MA Car Insurance Quotes

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Worcester, MA 01604

  • A-Affordable Insurance Agency

    70 Southbridge St

    25 E Mountain St

    Worcester, MA 01606

  • Atchue Insurance

    Worcester, MA 01609

  • Axiom Insurance Agency

    Worcester, MA 01608

  • Berlin Insurance Group

    Worcester, MA 01603

  • Braley & Wellington Agency

    Worcester, MA 01609

  • Buckley Insurance Agency

    377 Shrewsbury St

    Worcester, MA 01604

  • Bullock Insurance Agency

    76 W Mountain St

    Worcester, MA 01606

  • Burr Insurance Agency

    40 Southbridge St Ste 215

    Worcester, MA 01608

  • Citizens Insurance Agency

    Worcester, MA 01653

  • Elaine D'Alonzo Sampson Insurance Agency

    490 Shrewsbury St

    Worcester, MA 01604

  • Elm Park Insurance Agency

    Worcester, MA 01609

  • Fisher Insurance Agency

    146 W Boylston Dr Ste 302

    Worcester, MA 01606

  • Goodworks Insurance

    Worcester, MA 01603

  • Handy Apple Valley Insurance Agency

    Worcester, MA 01610

  • Insurance Marketing Agencies

    Worcester, MA 01608

  • JJM Insurance Agency

    623 Chandler St

    Worcester, MA 01602

  • Jim O'Connell Insurance Agency

    554 Pleasant St

    Worcester, MA 01602

  • Kenneth St Onge Agency

    Worcester, MA 01604

  • Knight-Dik Insurance Agency

    Worcester, MA 01603

  • Lincoln Street Insurance

    Worcester, MA 01604

  • Macshawson Insurance Agency

    Worcester, MA 01610

  • Mahoney & Obara Insurance Agency

    3-15 E Mountain St

    Worcester, MA 01606

  • Mainstreams Insurance Agency

    704 Southbridge St

    Worcester, MA 01610

  • Manero Insurance Agency

    Worcester, MA 01602

  • Marc Alkes Insurance

    Worcester, MA 01603

  • Marsh-Kemp Insurance Agency

    Worcester, MA 01605

  • McCall Insurance Agency

    500 W Boylston St

    Worcester, MA 01606

  • Mid State Insurance Agency

    Worcester, MA 01603

  • Mobilio Insurance Agency

    256 Shrewsbury St

    Worcester, MA 01604

  • Moynihan Insurance Agency

    Worcester, MA 01605

  • New Worcester Insurance Agency

    Worcester, MA 01610

  • North American Insurance Agency

    Worcester, MA 01608

  • O'Brien & Gibbons Insurance Agency

    Worcester, MA 01604

  • Paul F Cantiani Insurance Agency

    318 Plantation St

    Worcester, MA 01604

  • People's United Insurance Agency

    Worcester, MA 01608

  • Pilgrim Bay Insurance

    11 Foster St Ste 200

    Worcester, MA 01608

  • Protector Group Insurance

    100 Front St Ste 800

    Worcester, MA 01608

  • Quaker Special Risk

    Worcester, MA 01609

  • Richard Jude Wackell

    Worcester, MA 01609

  • Robert P Powers Insurance Agency

    10 Institute Rd

    Worcester, MA 01609

  • Rogowski-Verrette Insurance Agency

    324 Grove Street

    Worcester, MA 01605

  • Royal Insurance Agency

    Worcester, MA 01604

  • SG&D Insurance Agencies

    10 Institute Rd

    Worcester, MA 01609

  • SG&D Insurance Agencies

    Worcester, MA 01605

  • Safeside Insurance Agency

    Worcester, MA 01609

  • Small Business Insurance Agency

    Worcester, MA 01608

  • Stephen W Gersh Insurance Agency

    Worcester, MA 01608

  • Talman, Johnson & Wall Insurance Agency

    Worcester, MA 01608

  • The Feingold Companies

    Worcester, MA 01608

  • The Herlihy Insurance Group

    Worcester, MA 01606

  • The Network Insurance Agency

    305 Shrewsbury St

    Worcester, MA 01602

  • Thomas J Woods Insurance Agency

    Worcester, MA 01605

  • Universal Insurance Agency

    Worcester, MA 01604

  • WebFirst Insurance

    271 Greenwood St

    Worcester, MA 01607

  • Wolpert Insurance

    18 John Street Pl

    Worcester, MA 01609

  • Zawada Insurance Agency

    131 Millbury St

    Worcester, MA 01610

  • Zemaitis, Baker & Polis Insurance

    Zawada Insurance is a U.S.A. company, located in Worcester, Worcester Massachusetts. It belongs to Insurance industry.

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    Serving the Worcester area.

    Serving the Worcester area.

    Amica Mutual Insurance Company

    Serving the Worcester area.

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    25 E Mountain St Worcester, MA 01606

    Pleasant experience. I bought a family members car. While registering it, they mentioned I could get a sales tax waiver. Saved me $1300. That wouldn…

    2. Therich Besong: Allstate Insurance

    455 Lincoln St Worcester, MA 01605

    From Business: Drivers who switched to Allstate saved even more than before. Call me first to find out how much you could save. Only an Allstate agent can give you a fast, free …

    704 Southbridge St Worcester, MA 01610

    From Business: Do you own or have recently bought a home?Has your home insurance policy been cancelled or non-renewed? Do you rent an apartment? Call Mainstream Insurance Agency…

    348 Grafton St Worcester, MA 01604

    From Business: We have one goal here: make it simple for those in Worcester and nearby communities to purchase the right insurance coverage at the right price for their cars, ho…

    131 Millbury St Worcester, MA 01610

    6. Insurance Marketing Agencies, Inc.

    306 Main St Worcester, MA 01608

    From Business: Founded in 1924 and is one of the largest independent brokerage firms in New England insuring clients throughout the United States. Our highly trained staff servi…

    305 Shrewsbury St Ste 2 Worcester, MA 01604

    8. O'Brien & Gibbons Insurance Agency, Inc.

    52 Highland St Worcester, MA 01609

    From Business: O'Brien & Gibbons Insurance Agency is a full-service brokerage firm that provides a range of personal and financial insurance products to Worcester County. Operat…

    51 Pullman St Worcester, MA 01606

    From Business: MAPFRE is a full-service personal and commercial insurance agency in Massachusetts serving consumers just like you. We work with a large variety of insurance carr…

    318 Plantation St Worcester, MA 01604

    I had many Agents over the years, but Cantiani Insurance has been the best by far. I would highly recommend to anyone looking for an Agent.

    108 Shrewsbury St Worcester, MA 01604

    100 Front St Ste 800 Worcester, MA 01608

    From Business: The Protector Group Insurance Agency, established in 1928, offers a range of loss control, pension administration and financial services. The agency monitors regi…

    13. Bill Rhines Allstate Insurance Agency

    1280 Main St Worcester, MA 01603

    From Business: As a Personal Financial Representative in Worcester, I know many local families. My knowledge and understanding of the people in this community help me provide cu…

    273 SW Cutoff Ste 1 Worcester, MA 01604

    From Business: In 1978, Alfred J. Boutot, Jr. founded the agency in Worcester, Massachusetts. Today, we remain a family owned and operated independent insurance agent with two o…

    22 Elm St Ste 400 Worcester, MA 01608

    From Business: The Feingold Companies have been serving the insurance and financial needs of individuals, business owners and professionals since 1935. Over the years, we have b…

    16. Paul Revere Life Insurance Co

    1 Mercantile St Worcester, MA 01608

    From Business: The Paul Revere Life Insurance Company is an insurance subsidiary of Unum Group. The parent company provides a wide range of employee benefits products and servic…

    20 Park Avenue Pl Worcester, MA 01603

    From Business: MAPFRE is a full-service personal and commercial insurance agency in Massachusetts serving consumers just like you. We work with a large variety of insurance carr…

    645 Chandler St Worcester, MA 01602

    From Business: Tom brings a wealth of knowledge and experience in helping clients plan for a secure financial future. As the president of Forward Financial Services, Inc., Tom u…

    59 Green St Worcester, MA 01604

    20. Thomas B. Carroll Insurance Agency, Inc.

    617 Mill St Worcester, MA 01602

    21. Evanowski-North American Insurance Agency Inc

    414 Main St Worcester, MA 01608

    Matthew is the answer to any of your insurance needs! No stupid automated service, you get PERSONAL ATTENTION. I have been sending customers for…

    537 Park Ave Worcester, MA 01603

    268 Lincoln St Apt 1 Worcester, MA 01605

    This insurance agency is very in professional. They make false promises then over charge you. They also set up auto matted withdrawal but then don't…

    24. The Premier Insurance Company of Massachusetts

    1 Chestnut Pl Worcester, MA 01608

    390 Main St Ste 524 Worcester, MA 01608

    78 Pleasant St Worcester, MA 01609

    40 Southbridge St Worcester, MA 01608

    28. Sullivan Group Insurance & Risk Management Services

    1 Mercantile St Ste 710 Worcester, MA 01608

    29. Sea Quality Insurance Agency Inc

    90 Madison St Ste 104 Worcester, MA 01608

    30. Robert P. Powers Insurance Agency, Inc.

    10 Institute Rd Ste 2 Worcester, MA 01609

    Save $500 when you compare quotes!

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    Home Security in Worcester

    Monitoring Starting at $28.99/mo^

    Save Up To 75% On Auto Insurance.

    Low Insurance Rates From $19/Month!

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    Serving the Worcester area.

    • (877) 294-7187

    You could save 15% or more on car insurance.

    Can I buy a basic plan and still be covered?

    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.

    If I have insurance can I still shop around for a better rate?

    Yes. 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 easy. Potential customers can often get free quotes online very quickly.

    How do I file a 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.

    How do I file a 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.

    How do I file an 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 to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also 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.

    How soon should I file an insurance 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. In the case of emergencies, you should always call 911 first.

    What is a claims examiner?

    Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.

    What is an adjuster?

    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.

    What is umbrella insurance?

    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.

    Do I need pet insurance?

    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.

    • (800) 331-0587

    You could save 15% or more on car insurance.

    • (877) 777-3245

    Contact Us Online or by Phone-Locations Near You!

    Serving the Worcester area.

    • (800) 550-5298

    You could save 15% or more on car insurance.

    2 Willow St Ste 102, Fayville, MA 01745

    • (508) 203-7306

    A Full Service Independent Agency

    Therich Besong: Allstate Insurance

    455 Lincoln St, Worcester, MA 01605

    • (774) 701-1700

    Serving the Worcester Area

    Serving the Worcester area.

    Allstate Insurance: Therich Besong

    455 Lincoln St, Worcester, MA 01605

    704 Southbridge St, Worcester, MA 01610

    Matthew Gilson Metlife Auto & Home

    Serving the Worcester area.

    220 N Main St, North Brookfield, MA 01535

    Allstate Insurance Agent: Christina Bamberger

    195 E Main St Unit 2, Milford, MA 01757

    Allstate Insurance Agent: Khanh Nguyen

    100 Gold Star Blvd, Worcester, MA 01606

    Allstate Insurance Agent: Patrick Lundgren

    163 Washington St, Auburn, MA 01501

    Allstate Insurance Agent: Patty Prashad

    423 Main St, Fitchburg, MA 01420

    Allstate Insurance Agent: Paul D. Wasgatt

    59 Green St, Worcester, MA 01604

    Allstate Insurance Agent: Therich Besong

    455 Lincoln St, Worcester, MA 01605

    143 West St, Ware, MA 01082

    312 Main St, Athol, MA 01331

    McCaffrey Insurance Agency, Inc.

    442 Massachusetts Ave, Lunenburg, MA 01462

    Sullivan Benefits - Francis P Shea Agt

    1 Mercantile St Ste 710, Worcester, MA 01608

    10 Institute Rd Ste 1, Worcester, MA 01609

    10 Institute Rd Ste 1, Worcester, MA 01609

    Anderson, Bagley, and Mayo Insurance

    44 Main St, Leominster, MA 01453

    623 Chandler St Ste 16, Worcester, MA 01602

    DO NOT CHOOSE Braley Wellington Group. I was asked to send my Facebook review again through your website - "Braley & Wellington made changes to my auto insurance policy without letting me know the associated costs. They switched me to a insurance that cost me over $600 a month. And the rep is not even responding to my emails.

    I have been a customer with GoodWorks Worcester for 6 years. I recently moved and notified GoodWorks of my change of address in writing. Over the next few weeks I called and left multiple voicemails, each asking for a call back. I received a voicemail today stating that my policy has been cancelled since June 21st. Today is July 14th. When I was finally able to speak with someone on the phone, I was told that my address was never updated and they had been sending termination notices to my old address. GoodWorks made no attempt to contact me by phone or by email. If you are considering GoodWorks, I strongly encourage you to take your business elsewhere. No one from GoodWorks returned my phone calls or voicemails for over a month of me attempting to speak with someone. GoodWorks is a negligent company and I am now paying the price for their incompetent agents and poor customer service.

    Matthew is the answer to any of your insurance needs! No stupid automated service, you get PERSONAL ATTENTION. I have been sending customers for 20 years and never once had an issue!! THANK YOU MATTHEW. ,) Wally P.

    They are very nice and patient, and they speak Spanish and Portuguese! They helped me pick the best coverage for my cars. Thank You!

    Some CSR's are friendly and experienced. Wait times are not long and they take care of paperwork and plates. Conveniently across from Worcester DMV. You pay 20% up front in most cases with a new auto policy. They will take any type of drivers. Their premiums are expensive. For high risk drivers ( speeding tickets, maybe an accident or 2) you may be referred to them as MA is really strict & insurance companies don't budge. I had a bad experience- I transferred plates to a new vehicle on the same day I had to renew my policy. The CSR in person told my auto dealer and I that I owed nothing except sales tax and registration fees/$710.00. Then found out a few days later on the phone they waived my deductibles, increasing my premium $500 a yr and I owed $582.00 up front. I will be filing complaint tommorrow with a supervisor. I don't recommend them.

    I was thoroughly displeased trying to sign up for business insurance here, the agent didn't answer any of my questions directly, was clearly exhausted (yawning and stretching across the table from me), and when I asked how simple it was to cancel at the end of the application process, realizing I was making a mistake there, she responded telling me that she doubted I'd find a lower premium. If you want the cheapest option, maybe go here, but I'd prefer decent customer support and actual coverage over a low premium.

    Mahoney and Obara deserves No stars. Mike is a dishonest man chasing a dime. He spits out lies to make a problem go away rather than being honest and dealing with the situation at hand. I highly recommend finding a new agent and if you do leave be sure to check your paperwork because he forgets to cancel your policy and you will continue to get charged. He is impossible to contact once you want out. Very dishonest.

    This insurance agency is very in professional. They make false promises then over charge you. They also set up auto matted withdrawal but then don't take out your money when they say they will so your bank account gets screwed up. I had them for one month and on top of these issues I was screamed at by their employee because they screwed up my bill and when complained about it she hung up on me several times. Then when asked to cancel my policy she told me no. This place is a joke! One more thing when I walked in the gentlemen and use the word losely with him chose to eat his lunch and talk to me at the same time. Please hede my warning don't use this company.

    These guys are awesome! They helped me understand exactly what coverage I needed on my auto policy and they lowered my premium by almost $100 a month and I'm getting the same coverage & deductible as before.

    Honestly this company need more than five star. Geico need a training from Herlihy group that way they may able to learn how to write right policy for the companies. i would also mention other insurances which they requires ten limo minimum thet was shocking for us. thanks Mr Crispo for your help also many thanks to Safety insurance letting us on the road again.Hilmi DundarMass Transit Limo LLC

    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.

    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.

    Finding Discounts on Insurance

    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.

    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.

    Insurance agents will often try to "upsell9quot; 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.

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