Auto Insurance Primer
What is auto insurance? Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred. By buying auto insurance, depending on the type of coverage purchased, the consumer may be protected against: * The cost of repairing the vehicle following an accident * The cost of purchasing a new vehicle if it is stolen or damaged beyond economic repair * Legal liability claims against the driver or owner of the vehicle following the vehicle causing damage or injury to a third party.Liability insurance covers only the last point, while comprehensive insurance covers all three. Even comprehensive insurance, however, doesn't fully cover the risk associated with buying a new car. Due to the sharp decline in value immediately following purchase, there is generally a period in which the remaining car payments exceed the compensation the insurer will pay for a "totaled" (destroyed, or written-off) vehicle.
So-called GAP insurance was established in the early 1980's to provide protection to consumers based upon buying and market trends. The escalating price of cars, extended term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a "gap" exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In some countries including New Zealand and Australia market structures mean that people are more likely to buy a nearly new car than a new car so this is less of a problem.In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured's vehicle, provided they do not live at the same address as the policy holder and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy.
Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. Liability insurance generally does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party's policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle.Generally, liability coverage does extend when you rent a car.
However, in most cases only liability applies. Any additional coverage, such as comprehensive policies, i.e. "full coverage" may not apply. Full coverage premiums are based on, among other factors, the value of the insured's vehicle. This coverage may not apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured's vehicle, assuming that a rental car may be worth more than the insured's vehicle.
Some states, such as Minnesota, may require that it extend to rental cars. Most rental car companies offer insurance to cover damage to the rental vehicle. In some regions, the costs associated with not having access to the vehicle ("Loss of Use") is also covered.More information at auto insurance.
What is auto insurance? A basic primer on auto insurance.Music Listening The Polite Way With Headphones
There seems to be an attitude of demanding personal rights without the
corresponding responsibilities.
There is no better example of this than in listening to music in a car.
Many people throughout the years have played music at high volume levels.
From the big muscle cars in the 60's to the high speed, tricked out compacts of today, there has always been a group that believed that good sound was loud sound.
The good news was that simply rolling up the windows in your car quieted the sound to almost a whisper.
Today, we have personal music devices that include such things as the ubiquitous "boom box" to the very small IPOD.
The IPOD has done much to quiet the noise level of society in that it's kept those who would crank up their music for everyones enjoyment to be more discrete.
The listener has the benefit of the music as loud as he or she desires without disturbing anyone around them through the use of headphones.
Used cars > Music Listening The Polite Way With Headphones
The Story of My Dog and Why You Should Care
The Story of My Dog and Why You Should CareIt all began when I was 11 years old. That day, my mom was taking us (the kids) to Arnold's Hey and Grain, a food store for animals. As we were approaching the door, something caught my eye: a little dog (4 months old). The puppy was situated in a cage and was lying down on his tubby little belly. He looked at me with BIG, HUGE, BUG-eyes and whimpered.
He looked so sad?so lonely?so isolated. I got down on my hands and knees and said to him, "Hey there, little puppy. You sure look lonely." Then the dog looked me straight in the eyes and said, "Well duh. I'm stuck in this freakin' cage sleeping in my own business and eating nasty doggy kibble. How about getting me outa here, you mental midget?" I replied with, "Sure thing, dude.
I'll buy you or something like that." He rolled his bug eyes at me and stated, "You humans are all the same?" I smirked.Well, a few minutes after my encounter, my mom walked out of the store with the rest...
The Story of My Dog and Why You Should Care
Used cars > The Story of My Dog and Why You Should Care
Getting the Dirt on Paint Protection
(ContentDesk) September 30, 2005 -- Like bears preparing for hibernation, a typical autumn day finds many of us getting our cars and trucks ready for the onslaught of the winter elements.
Washing and waxing our vehicles has become almost as much of a fall tradition as the first kickoff of football season or family foray into a pumpkin patch.What would you say if you could make polishing your car an every three-to-five year event, rather than an annual one?
Thereby freeing you up to toss the pigskin around, pick apples for a homemade pie, or jump into that pile of freshly raked leaves?Glenn Canady, president of 5 Star Technologies, Inc., makers of the 5 STAR SHINE (www.5starshine.com) patented paint polishing formula, answers these, as well as other frequently asked car care questions:What types of external and environmental factors impact my vehicle's paint?If it's flying in the air or...
Used cars > Getting the Dirt on Paint Protection
Company Responds to Big Vehicle Blind Zones With Wireless Obstacle Avoidance System for Pick Up’s and SUV’s
Irvine, CA (ContentDesk) July 19, 2006 -- EchoMaster?, the premier manufacturer of obstacle avoidance detection systems and accessories introduces the Dolphin? SonarStep, an innovative backup sensing device for Pick Up trucks and SUVs with trailer hitches.As you back up your vehicle the Dolphin? SonarStep silently scans for objects in your blind zone. Unlike devices that utilize cameras and a screen that can be affected by sun glare or a dirty camera lens, the Dolphin? SonarStep offers both an audible and visual alert when an object is detected and notifies the driver of how close they are to an object with a series of warning tones. The scanning zone measures approximately seven feet out from the rear bumper and up to 8 feet in width providing confidence for drivers of even the largest SUVs and pick ups. The unit installs in 30 seconds and simply plugs into the trailer hitch - no wires to cut, no holes to drill. Utilizing high-tech RF technology, the Dolphin? SonarStep allows wireless...
Company Responds to Big Vehicle Blind Zones With Wireless Obstacle Avoidance System for Pick Up’s and SUV’s
Used cars > Company Responds to Big Vehicle Blind Zones With Wireless Obstacle Avoidance System for Pick Up’s and SUV’s
Auto Insurance Primer
What is auto insurance? Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred. By buying auto insurance, depending on the type of coverage purchased, the consumer may be protected against: * The cost of repairing the vehicle following an accident * The cost of purchasing a new vehicle if it is stolen or damaged beyond economic repair * Legal liability claims against the driver or owner of the vehicle following the vehicle causing damage or injury to a third party.Liability insurance covers only the last point, while comprehensive insurance covers all three. Even comprehensive insurance, however, doesn't fully cover the risk associated with buying a new car. Due to the sharp decline in value immediately following purchase, there is generally a period in which the remaining car payments exceed the compensation the insurer will pay for a "totaled" (destroyed,...
Auto Insurance Primer
Used cars > Auto Insurance Primer
How to Start An Art Collection On a Shoestring Budget
Copyright 2006 Monique Hawkins
Collecting is a hobby enjoyed by many. Some collectors enjoy collecting all kinds of collectibles such as music boxes and other mechanical music, cars, jewelry, figurines, and many other types of items. Then there are those who enjoy collecting art. As a matter of fact, many individuals are inclined to forgo reprints and posters and start collecting their own unique art pieces for their homes and offices. If you are one of these people, here are some tips on starting your own unique art collection.
Before beginning an art collection, ask yourself if you interested in starting your own collection of original art.
Keep in mind that if you, like most people, do not have thousands of dollars to spend on famous original artwork, then it's time to consider alternative creative sources.
For those who are short on time and are not particularly interested in cultivating their own tastes, an option you have to rent from...
Used cars > How to Start An Art Collection On a Shoestring Budget
Auto Insurance Primer life insurance
Broadway Shows
Broadway shows refer to the most premium form of theatrical performance (both musicals and plays) staged in the theatrical district of Broadway (namely Midtown, and the theaters in and around Times Square). Not all theaters in that area qualify as Broadway theaters. This classification is determined by the terms and conditions of the Actors Equity guild. The 39 large theaters that qualify as Broadway theaters and stage Broadway shows have a capacity of 500 or more seats.
Broadway...
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Five Reasons To Stay Committed To Your Retirement Savings
(NC)?As an investor working to build your portfolio, you face many day-to-day demands on your money. It's not always easy to determine what your financial priorities should be, or to stay committed to them ? especially when markets are volatile.There's one priority, however, that should always be at the top of your list, explains Lisa Li, a Mississauga, Ontario-based CIBC Imperial Service financial adviser: Contributing to a Registered Retirement Savings Plan (RRSP). With its powerful combination...
Auto Insurance Primer Five Reasons To Stay Committed To Your Retirement Savings
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Celebrating a Special Occasion with Jewelry: How to Buy Jewelry (Part I)
(ContentDesk) August 18, 2005 -- Celebrating a Special Occasion with Jewelry!Nothing more personal than our response to color. Color is the new Language of passion, and nothing captures it better than distinctively styled jewelry.Leave her speechless with our brilliant colorless and fancy colored diamond or bold brilliant gemstone jewelry styles.The name you rely on most - the first name in quality, dependability, and service - is now your first choice in style.It's...The Jewelry HutHow to Buy...
Celebrating a Special Occasion with Jewelry: How to Buy Jewelry (Part I) Auto Insurance Primer Used cars
Used cars > Celebrating a Special Occasion with Jewelry: How to Buy Jewelry (Part I)
Learn these feng shui love tips and improve your love life
Whether you wish to achieve feng shui love balance or improve your love life through feng shui, here we will detail some of the most important guidelines for you to succeed at it. These feng shui love guidelines must be applied according to each particular situation and wish.The first feng shui love guideline you should follow is to clean up your bedroom. Your bedroom shouldn't be untidy since that would slow down or stuck the energy flow in it. Energy should flow freely and with energy within...
Auto Insurance Primer
Used cars > Learn these feng shui love tips and improve your love life
La Spiaggia Day Spa, Owned and Operated by Rose Mary Marchese, Opens Its Doors For a Grand Opening and a New Era in Day Spa Technology.
Madison, CT (ContentDesk) October 12, 2004 -- La Spiaggia Day Spa opened its doors to the public for the first time this past May and since then, the response has been overwhelming. October marks the six-month anniversary and in recognition of the milestone, La Spiaggia will be hosting a Grand Opening celebration all month long. As part of the Grand Opening celebration, La Spiaggia is offering a number of great specials for clients new and old alike and will be hosting an open house. Information...
Auto Insurance Primer Used cars
Used cars > La Spiaggia Day Spa, Owned and Operated by Rose Mary Marchese, Opens Its Doors For a Grand Opening and a New Era in Day Spa Technology.