I was hit on by a sales Representative of my insurance company.?
His name is JD, he was very unprofessional and kept calling me baby I could hear him eating and drinking, He told me to "hang on" each time. He insists that I have to call him directly to receive the quote or else I will have to pay 665 versus 355...I believe he gave me his home phone number, I have tried to report the incident but end up being transferred a million times to people who are not qualified to deal with the situation and then again and again. If there a place on the Progressive website that could make a formal complaint against this person. I do not have his work ext. but I do have his home phone number. Thanks.
Why not go to a different insurance company....or do you just like complaining?
Filed under Home Insurance by on Apr 6th, 2010. Comment. 
Medicare supplement coverage helps many of today's senior citizens with their health care needs. Private companies that are approved to work with the program provide many different plan options for helping them pay for their health care and prescription drug needs.
There are many considerations that affect which plan you decide to go with. Cost is always a primary concern, but the benefits that are available, choice of doctor, location convenience and quality of the care provided are also important. Depending on your situation, you may find that the least expensive plan is not the best one for your needs.
Medigap policies do not cover long-term care, such as that received in a nursing home. It also does not take care of vision or dental needs, hearing aids or private, at home nursing. There are also plans that are not considered Medicare supplement coverage. Medicare Advantage Plans, also known as Part C, operate like an HMO or PPO. The Medicare Private Fee-For-Service Plans are Parts A and B.
They are what are known as the "original Medicare program." Medicare Prescription Drug Plans, known as Part D, are also not considered Medigap policies. There are a number of programs and benefits that retirees can take advantage of.
Many people believe that they are part of Medicare Supplement coverage, because they are available after they turn 65. This is not true. Some examples of benefits that are not part of the Medicare program, nor are they part of the supplemental coverage options include veteran's benefits, long-term care insurance policies, union plans, employer plans and TRICARE.
Although there are many supplemental policies to choose from, not all states offer all policies. Insurance companies are also not required to offer all policies that are available in the state. This often makes selecting the right plan time consuming and research intensive.
Each insurance company uses their own formula to calculate the rates for Medicare Supplement coverage. Depending on the plan provider, they may rely on age or pre-existing conditions as a primary determinate. Regardless of your current health status, an insurance company must sell you a Medigap policy.
There are certain timeframes where you are guaranteed the right to purchase a policy. This includes the open enrollment period and if you have a guaranteed issue right. Consideration of ongoing need should be balanced with cost, location, convenience and quality of the care you receive before a plan is purchased.
Dave Miller recommends visiting this updated site about Medicare Supplement Coverage information and coverage options available.
For More Informaton regarding Medicare visit this site at http://www.Over65Insure.com.
Filed under Home Insurance by on Apr 1st, 2010. Comment.
Homeowners insurance is the ideal way to protect one of your lifetime investments, your house and also the pricey things kept in it. By purchasing this policy you insure your house and possessions against several threats such as natural disasters, theft etc.
While purchasing a homeowners insurance the first issue of extreme concern is the amount of coverage you want. A recent survey conducted by the Insurance Information Institute revealed that two-thirds of all homes in America were underinsured by an average of 27%. Thus it is important to opt for a right amount of coverage.
If you are finding it difficult to calculate the extent of coverage you want, there are several ways to do it. For instance if you want coverage for reconstruction of your house then multiply the square foot of your home by the local building cost per square foot. To know the cost of rebuilding your house, also known as dwelling coverage, you can take the help of any local insurance or real estate agent.
For instance in Nevada an average of 1268 square foot home that was built in 1997 has a current dwelling coverage of $81000. However if the homeowners feel that they are underinsured by 27% and increased their coverage to $110,000, the monthly payment will increase by $7.50 per month.
Since most often the homeowners insurance also compensates for personal liability, you should also keep in mind how much coverage you require for certain legal expenses, medical expenditure or injury to any member of the house.
Though a standard homeowners policy comes with liability coverage of worth $100,000, insurance professionals usually advise to get of coverage of around $300,000 to $500,000 as liability coverage. To have this extra amount added to your standard homeowners policy, purchasing an endorsement is a wise idea.
You can also go for personal umbrella coverage in case the worth of your assets is more than $300,000 to $500,000. The umbrella cover is extremely useful once you are through with your homeowners or automobiles coverage. For instance if your colleague is injured at your house and revengefully sues you for $500,000, your homeowners insurance will cover for $300,000 and get exhausted but the amount left will be easily covered by the umbrella coverage.
For insuring your household things there are three ways. First is the actual cash value in which the policy pays for replacing your personal property using the method that is based on replacement cost of the thing minus the depreciation?
Second is the replacement cost strategy where you receive current amount for the thing you lost in any of the covered dangers. Though this way requires you to pay an additional premium but it can prove extremely beneficial in the long run.
The third option is the guaranteed replacement cost. This coverage means that there is no maximum payout applied to coverage of your insured personal possessions. You need to pay an extra premium but on the same hand increase your deductible to make the coverage somewhat cost-effective. Similarly the structure of our house is also to be insured in these three ways but with slight variation.
According to current facts and statistics presented by National Association of Insurance Commissioners in 2002 the average expenditure on homeowners insurance increased by 12% from $593 to $668 in 2003. Expenditure varies with the state. For example in 2003 Texas witnessed the highest average expenditure of $1328, in Oregon it was $461, Delaware $442 and Maine $462.
Mansi Aggarwal recommends that you visit Homeowners Insurance Statistics [http://www.homeownersinsurancelowdown.com/statistics/index.html] for more information.
Filed under Home Insurance by on Mar 15th, 2010. Comment.