Beldames’ Saloon

In this time of uncertainty, we never know what will happen next. Whether we are riding in the most luxurious of vehicles or driving in the cheapest car there is, it doesn’t matter; we are not exempted from the uncertainties and risks of life. Accidents may happen anywhere at any time and in usually in an unpredictable manner. We are not in control of these kinds of circumstances. All we can do is to protect ourselves from these risks.

Car manufacturers, in order to solve these problems, put additional parts in cars to enhance their safety components. They put seatbelts and air bags to protect the driver and the passengers. They also make the body of cars durable enough to withstand collisions. Car manufacturers usually put every car through several tests to determine how it will react to collisions, before putting it in the market to insure its durability.

Even with these safety measures performed by car manufacturers, accidents still happen. Most accidents are caused by reckless driving and driving under the influence of alcoholic drinks. On the average, a motor vehicle crashes every 5 seconds, a person is injured in an accident every 11 seconds and a fatal injury occurs every 12 minutes. These statistics are convincing evidence of why auto insurance coverage is so necessary.

Drivers are not the only reason why accidents occur. Sometimes, the cars that drivers use can also be the major cause of an accident. Passenger cars and light trucks accounted for nearly 95% of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks accounted for only 15 % of the vehicle accident. Regardless of the severity of the crashes, the majority of the accidents occurred during daylight, in normal weather conditions, while driving on a straight roadway. This pattern shows that no one can say that he/she is safe riding in any type of vehicle.

As stated, accidents do happen, but you can avoid them by following simple safety measure, include the wearing of seat belts and the following of simple traffic rules such as paying attention to speed limits and being cautious of your surroundings. Having car insurance is also advisable for your protection. This will serve as a protection for you and your family. It does not protect you physically in the same way that seat belts and air bags or helmets do, but it can protect you and your family financially.

Most countries like United Kingdom, Australia, and New Zealand make it compulsory for drivers to get their own coverage. In most countries in Asia, a driver cannot renew his license without getting covered.

A useful tool to find more information about car insurance can be found at
www.1carinsurance.org.

Clive Green is a writer with expertise in the fields of self-improvement and finance. http://www.1carinsurance.org

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Do you think you have the best auto insurance coverage just because you’re with a “big name” company?

News flash, you’re probably getting less coverage than you think.

But first let’s talk about accident statistics in the U.S.…

The Facts:

There are about 3 million car-related injuries a year
• 2 million permanent injuries
• 40,000 deaths in the U.S. each year

About 40% of car accident fatalities are related to drinking and driving.
• 30% to speeding
• 33% from a car going off the road

Car accidents are currently the number one killer of people ages 1 to 37.
About 1 in 30 young drivers will be injured in an accident each year.
Young drivers are four times more likely to die in car accidents.
• much more prone to speed
• drive recklessly
• not wear their seat belts
• and drink and drive

There are Approximately 6.4 million accidents each year

Approximately 40,000 people die in auto accidents each year.

You may ask yourself what are the odds of me getting into an accident?

There were 48,366 Transportation accidents in 2002.
• One year odds of You getting in an accident are 1 in 5,953.
• Lifetime odds of You getting in an accident are 1 in 77. Are you the 1 in 77 to get into an accident this year?

Did you know?
Midnight to 3 a.m. on Saturdays and Sundays proved to be the deadliest 3-hour periods throughout 2003?

In 2004 there was a total of 38,253 Fatal Crashes.
• Over 26,756 Driver crash victims
• 10,304 Passenger Victims
• 4,641 Pedestrian Victims
• 725 Pedacyclist Victims

Let’s move on to Insurance Coverage.

Here are the 7 things your auto insurance company should give you but doesn’t!

1. Full replacement cost paid if your new car is totaled in the first year at no additional cost.

2. Towing and roadside assistance included with your policy at no additional charge and no reimbursement required.

3. Bilingual insurance representatives available 24 hours a day 7 days a week to provide policy service or take claim reports.

4. Extension of your policy coverage and limits when driving in Mexico within 100 miles of the U.S. Border.

5. Discounted rates for qualified members of certain occupational groups.

6. Temporary coverage for student children home on holidays at no additional charge.

7. Waiver of collision deductibles if both parties involved in an accident are customers of the same company.

Want to check you’re car insurance coverage plan? Visit these reputable carriers today.
http://www.insurancebystate.org

Jack Roberts is an independent writer for himself who loves nothing more than to have his articles published.

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Well, there’s no accounting for silliness, I suppose, but sometimes the Art of Stating The Bleedin’ Obvious sheer takes my breath away…

Local harbour; dateline: today, of course. Shooting away with the camera, some guy comes over to me and says: “What are you taking pictures of?”. Well, for a moment I was sorely tempted to explain that if he followed the imaginary trajectory line of my camera lens, using his focal abilities (also known as “his eyes”) he would surely come to some sort of educated guess. Notwithstanding the fact that there was about 300 square miles of mudflats in front of us, with nothing else to be seen, a blind man could have come to a pretty good conclusion of what I was ‘taking pictures of’

But no. I resisted. I blustered something about ’shapes, patterns, colours’ and he seemed to understand, because he nodded wisely, before heading back to his car. Can’t believe I told him that, because it seemed a ridiculous statement, as mudflats have no colour, no shape, and no pattern. But there ya go…

But wait…there’s more…

As he got into his car, he said “I don’t suppose the Dutch ship will sail in this (foggy) weather, will it?”

I bit my lip and was trying my best not to say “They are wonderful things, ships; they carry radar and electronics that detect other craft, and they sail at NIGHT in complete DARKNESS, so why the Hell can’t they sail in fog?”

But no. Again I resisted; instead I simply pointed to the Dutch ship as it passed, just within sighting distance, and said: “There she goes now”

He smiled, turned to go, once again, then hesitated…

“Have you ever thought about getting a digital camera?” he asked, pointing at my Canon 20D. At this point, I slipped away, fearing I would deck him, if he asked another stupid question. Good thing the tide was out, or I’d have probably thrown myself off the pier. But hey, the Canon IS a digital camera, but we don’t want EVERY idiot to know that, do we? Wouldn’t be much fun if everyone asked intelligent questions now, would it? Have fun.

Eric Hartwell is an enthusiastic photographer. He owns and runs the photography resource site http://www.theshutter.co.uk and the associated discussion forums http://www.theshutter.co.uk/forums as well as the regular weblog at http://thephotographysite.blogspot.com Anyone interested in getting involved contact him at shutter@theshutter.co.uk

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Children reach adulthood fast which means it is critical to find out about saving when they’re young. By saving from just £10 to £25 a month with Scottish Friendly’s Child Bond now you could alleviate their money worries when they are older. Scenarios where this may prove invaluable may include helping to pay for university fees or for the deposit on a new car.

You can invest in a tax-free savings plan for any child with a Scottish Friendly Child Bond. It’s tax-free as it’s a friendly society savings plan, which means that under today’s law it grows free of income or capital gains tax. It’s a superb way for parents, grandparents, family members and friends to make a major financial difference when the childen are older.

The Child Bond is a with-profits investment plan: It invests for long-term growth as well as an element of security, in stocks and shares, fixed interest funds and cash.

Funds grows through the addition of potential yearly bonuses and at the specified time the bond reaches maturity there’s a tax-free payout. The value of bonuses will be calculated based on how much profit we make and how it is distributed by us.
It must be realised that bonuses are not guaranteed.

The Child Bond may run for a minimum of ten yrs, but you are free to invest for longer if you decide to - perhaps to coincide with an 18th or 21st birthday. You can save either monthly, annually or with a lump sum payment.It’s entirely up to you. Do not forget that if the plan is cashed in at a point prior to the end of the term, the amount the child will be paid may be less than the amount paid in.

If you would like the monthly option, you can commence saving from as little as £10 a month - up to a maximum of £25 per month. Or you can make yearly payments of up to £270 a year.

You can also take care of all of the premiums in one go through our lump sum funding plan. If you invest the maximum sum of £2,340 for a decade, this actually invests £270 a year into the Child Bond - making twenty seven hundred pounds in total. The minimum lump sum of £1,040 will yield £120 a year for 10 years - a total of £1,200. This provides a way for you to make payment of all your premiums in one go and is something that is popular with grandparents who like the reassurance of knowing all premiums for the full term of the plan are taken care of.

This plan includes life cover, so you should consider if this is fitting for your financial needs.

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In the state of New York, you may qualify for low cost health insurance whether you are a small business, sole proprietor or individual.

In 2000 the NY Legislature enacted regulations in response to the Governor’s proposal to make available comprehensive insurance coverage for New York workers and their families who are uninsured. The name of the program is Healthy NY.

This program helps the small business owners (businesses with 50 or fewer employees) to provide health insurance to their employees and their families. Additionally, Workers who are unable to purchase insurance through their employer because the employer doesn’t offer insurance and the sole proprietor may purchase coverage directly though Health NY.

All HMO’s in the state of New York offer standardized health benefit package that is made affordable through the sponsorship of NY State. This makes it more affordable for small employers and uninsured employees.

There are certain eligibility requirements for each section:

Small Employer

Business must be located in New York
 The business must have 50 or less eligible employees
 30% of employees must earn $34,000 or less
 The business must not have provided group health insurance to employees in last 12 months (with certain stipulations)
 50% of eligible employee participation and at least one earns $34,000 or less
 Employer must contribute 50% of premium
 The employer must offer plan to employees working 20 hours or more and earning $34,000 or less

Individual and Sole Proprietor guidelines:

The individual must live in the state of New York
 Must be currently employed or have been within the last 12 months
 Employer does not provide health insurance
 Have not health insurance for past 12 month period
 Ineligible for Medicare
 The annual household income must meet the Healthy NY Income Guidelines
 

View our Recommended Health Insurance Company in New York, a simple site that has an easy to fill out application. It also has a lot of great info about Home Owners Insurance and Car Insurance Quotes

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The homeowner policy is an automatic purchase for most families who own their own home. There are hundreds of insurance companies that sell homeowner insurance. Is one better than the other? That is a very difficult question to answer. There are a lot of good insurance companies. Insurance companies are regulated by state insurance departments. They always have to prove their strength to these departments in order to operate within the state. That eliminates a lot of problems for the consumer. You very rarely hear about an insurance company becoming insolvent.

The real issue in most cases is the kind of service that you prefer. Insurance companies have a variety of distribution systems. The agent based system has been around for a long time. If you want on-going professional service and like dealing with a person rather than by telephone then you should search for companies that have agents. The online shopper can receive a quote online and then form a relationship with an agent when it is time to make the purchase. Some people prefer to purchase insurance online and be serviced online or over the telephone. Once you have determined how you want to be serviced then you can narrow down the number of companies that you need to contact.

The AM Best Company is a rating bureau for insurance companies. The AM Best Company gives a company rating based on the financial strength. Most libraries have this resource guide.

Most insurance companies have a multi-policy discount and so shopping for a home policy alone would be a disadvantage. The best company for you is usually the one that gives you the best rate and service for both your auto and home insurance. Don’t get bogged down trying to find the best company because there are too many variables from company to company. Choose your company based on your service needs and the combined rates for your auto and home insurance. Be sure to view our recommended list of insurance companies.

View our Recommended Insurance Company This site is simple and easy to fill out a quote and has a lot of great info about Home Insurance and Affordable Health Insurance

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If your child is the major income earner in the family (Hollywood star), the answer is, yes. However, for families with children that spend more of the household money than they earn, a separate life insurance policy isn’t really necessary unless your intention is to protects your child’s ability to get life insurance in the future. If you fear that genetically there is a chance that your child’s medical condition may become an issue in the future, buying a life insurance policy now will protect their ability to buy one in the future.

Another reason for buying life insurance for your child is it can serve as an investment option and provide a nice financial foundation for your child to build on in the future. Let’s face it the younger the child is the lower the cost and the policy has more time to grow in cash value

However, if that is not your intention and you are concerned mainly about expenses in the unfortunate event that something happens to your child and you are put in the painful position of having to pay the cost of funeral and burial expenses, you might elect to purchase a child insurance rider under your own life insurance policy.

Many insurance companies offer riders for usually a maximum of $20,000 on all covered children. The child’s coverage begins from 15 days old to usually 18 years. Coverage continues until the child reaches the age of 21 (this age varies depending on the insurance carrier) or the insured reaches the age of 65 (which ever comes first). The purpose of this rider is to cover the cost of funeral and burial. The rider provides a small amount of term insurance with relatively little underwriting.

A fully underwritten life policy will result in lower premiums; however the minimum policy limit may be as much as $50,000. Do you need that much life insurance for your child?

View our Recommended Source for Insurance Quotes it is a simple site that provides free quotes for all types of insurance. Life Insurance Quotes Home Owners Insurance

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Third Party Insurance is generally for vicious dogs. Few policies often will provide coverage for cats; however, the policy is rare, since cats often pose no threats. The third party will provide liability coverage to owners whose animal has caused harm, either by biting or damaging property. The damage or injures will include coverage for animal attack on other animals. Thus, pet coverage is the standard coverage allotted to pet owners, while third party is a secondary coverage to owners of aggressive dogs. Like many types of insurance, the policy will reimburse owners if they are found liable due to animal attack. The process of reimbursement is similar to other types of coverage, only you are submitting the claim, summons, insurance policy number, writs, police reports, and other documents imposed as a result of the attack.

Once the company receives your claim, the company will make contact with you providing additional instructions if applicable. The policy will cover you if your dog attacked another human being, caused damage to property, or caused an accident. Thus, it is wise to obtain a comprehensive coverage plan if you have an aggressive animal, especially a policy that will come to your defense if you are accused of negligence. It is important to disregard any signatures on documents by the third party or others until you have submitted your claims. If you sign papers, stating you are at fault the company will have difficulty defending you. Pets have been known to cause accidents, thus pet insurance policies that cover liability is not an option in most instances when it comes to protecting your pet and self. Court costs, fines, and other details of legal aspect are often expensive, thus have coverage is vital if you have a risky pet. However, you must be aware that the policy are not obligated to cover all charges against you, therefore, be expected to pay out of your own pocket a portion of the damage. Most policies will cover attack of other pets, third party liability damage to property and 80/20 attacks on humans.

On the other hand, if you have special breed dogs that pose no threat, then you may want to consider a different type of pet insurance. The Supplementary Insurance Premium is often attached to special breed pets. There are various types of animals that require special treatment and these pets include, Burmese Mountain Dogs, Bulldogs, Dogue de Bordeaux and so forth. Still, if you have aggressive pets you will need third party liability coverage.

Some policies have excess fees, which mean that the policyholder pays an initial charge at the vet’s office. The vets often charge “applicable” fees “per condition” thus meaning that each time you visit the vet you are obligated to pay the excess charges. Most pet insurance policies will deduct the excess from the balance owed and send the remaining balance to the vet or to the policyholder if he hasn’t paid the vet. Few policies have a “voluntary excess” charge, which entails an x amount of dollars each year will be deducted from your premiums. Thus, the excess is nothing compared to veterinary charges without coverage. Many pet insurance companies’ will not charge additional fees for claims submitted. Therefore, pet insurance will cover you when you pet is ill, contacted a disease, fell victim to an accident, or if you have liability coverage, the policy will protect you against the law.

Few policy providers will include liability coverage, offering accidental and illness coverage; spraying and neutering, liability and more. The company may also offer discounts if you have more than one pet to insure. While most policies offered have exclusions, it is possible to get comprehensive coverage at affordable prices with minimal exclusions. Finally, to learn which policies are best suited for you, go online, get quotes from the many providers, and compare the costs and coverage before deciding on pet insurance coverage plans. Going online will save you time and money, and getting pet coverage now can spare your pet when he really needs medical help.

Authored by Michael Bens. For more great information about all forms of insurance visit our free online insurance publication the Gabae Insurance Source to find the information you’re looking for!

Also you can check out Gabae Insurance Articles to find the articles you’re looking for!

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