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Overall, I am pleased with Paul Kagan. He is very professional in his work and the way he speaks to me on the phone. I was in a car accident a few years ago (not my fault) and I was easily able to get him on the phone. He took care of getting a tow truck out to where I was very quickly and set up an appointment at a nearby car rental because my car was totaled. I also received a check from the other person's insurance right away because Paul was on top of them. But 2 years ago my husband was in a minor fender bender where a woman backed into his car. We had to pay a $500 deductable, but it took forever to get this money back, almost 1 1/2 years, even though it was clearly the other insured's fault. We kept getting the run around from Paul and different answers. Sometimes we'd have to call to find out what was going on with our case and were given answers like, "Oh, yeah, you should be getting a check soon." And yet we didn't. It left us with not a good impression of him or his company. Unfortunately, it is the cheapest insurance around because we did start looking at others after this happened, so we have no choice but to stick with them.
I actually have two cards with JC Penney. Knowing that I'd get a 20% discount if I opened up a new card, I decided to do so since I was buying over $700 worth of business clothing for my husband. That's a huge savings not to take advantage of. It's a great idea if you're good with not using it to buy anything else and can pay off the card quickly. Otherwise, I wouldn't recommend it because the interest rate is high, so if you're making minimum payments on a high balance, you're paying way more on interest over the course of paying back the money owed than you saved with the 20% discount. Hope I explained that correctly. All in all, it is a good card to have. I just miss all the deals and discounts we used to get from having a Penney's card.
I've had State Farm car insurance for the last 14 years. I had always been pleased with them about the way they take care of any of my needs. When I was in a car accident in 2005, they took care of everything quickly and professionally. I would have given them a 5-star rating back then. Then in December of 2011 my husband was in a small fender bender where a lady backed into his car in a parking lot. She admitted fault, but when she filed her claim, she said it was my husband's fault. We have a $500 deductible that we had to pay upfront (money that we really couldn't afford to spend at the time). It has been over a year since this accident, and we still don't have our deductible back yet. My husband keeps calling State Farm each month (God forbid they ever call us to let us know what's going on with this claim) to see what's happening with getting our $500 deductible returned to us. They give him the same answer each time: “We're working on it”. Come on! It's $500, for Pete's sake, not $5,000!! Not much for this big company but it pays a few bills for us. It should not take this long to get that amount of money back for such a small accident. The only reason I do not plan on switching is because we have called around, and they still offer the cheapest insurance. But I don't think I'd recommend them to anyone.
I've had Kaiser insurance for almost my whole life. Two of their biggest hospitals are both within a 30-minute drive from my house and they also have a smaller clinic about a 10-minute drive from my house. For the most part, they are a pretty good hospital, at least when it comes to getting physicals, blood work and mammograms done. But their employees could be a little more considerate. I've had a few instances where a nurse has been rude to me. Once, during the labor of my second child. But very recently I took my oldest daughter there for a serious staph infection and they wrongly diagnosed her and sent us to one of their plastic surgeons. He told us what the emergency room doctors diagnosed her with was incorrect and told us it was “just” a staph infection. He treated it, but didn't tell us it was contagious. Within a couple weeks, my youngest daughter, my husband and I each started to get staph infections and had to be treated. I found out that this plastic surgeon knew less than what I found out on the internet about staph infections. I was really upset about this. He actually wanted to perform surgery on my oldest daughter for this. Recently my husband was laid off from work, so we lost this insurance. As upset as I am about losing it, I am looking forward to trying a new health insurance company once his new business gets going.
I've been a Bank of America customer now for a little over 4 years and have not had too many problems with them. I am actually surprised to hear so many people don't like them. I usually just use the ATM for deposits and withdrawal and rarely ever go inside. But when I do, I'm always greeted with a smile and helped in a timely manner. The only reason I gave them 4 stars instead of 5 stars is because their ATM machine does sometimes give me trouble accepting my checks, especially when I submit more than one at a time. But I like the fact that Bank of America was the first bank (I believe) that used the paperless deposits. No more having to write out a deposit slip or use an envelope. I love that about them!