|
|
Car-Parazzi
If you love cars, join the Car-parazzi. And if someone car-parazzi's you... smile and rev, it means you've got a hot car!
Entertainment News
Breaking headlines and Hollywood gossip. Free entertainment videos and clips!
|
Understanding Your Auto InsuranceBy Tom McKnight
Reading auto insurance policies can be like trying to decipher advanced calculus. It's really not that difficult if you understand a few basic terms. Collision, Comprehensive, Bodily Injury Liability and Property Injury Liability are the main terms you need to fully understand.
You'll appreciate Collision Coverage in the event you need repairs or replacements if your vehicle collides with another vehicle or property. The higher the deductible you elect, the lower your premiums will cost you. If you're at fault for something, well of course it would still be an accident, as I doubt you'd plan to run into that guard rail, but how much would you be able to afford to pay out of pocket for repairs? $250? $500? $1,000? Just like medical insurance, you'd have to pay that deductible amount first and then the insurance company would pay for the remaining charges for the repair.
Another term to become intimately familiar with is Comprehensive Coverage. This is the coverage that pays for damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the less your insurance premium.
In addition to knowing how much Collision and Comprehensive coverage you have, you'll want to know about your liability coverage. Let's say you rear-end another driver. Or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle. You liability coverage will, or could, include bodily injury (people) and property damage.
You don't want to go without Bodily Injury Coverage. If you were at fault in an accident and others involved needed to go to the hospital and/or lost wages from missing work, those costs would come out of your pocket if you are not insured with Bodily Injury Coverage. It doesn't take a genius to know how quickly those amounts can add up. This type of coverage can also help you in the event the other party takes legal action against you. Many states require you to carry Bodily Injury Coverage.
The other part of liability includes Property Damage coverage. Can you imagine how much it might cost should you accidentally drive into the side of someone's home? You wouldn't want to be caught without property damage insurance should you need to pay for repairs to another vehicle, building or anything else you might hit. As with Bodily Injury coverage, Property Damage coverage also helps protect you in the event of a related lawsuit.
Every policy will have its limits and various degrees of coverage. It's important that you understand the basics of what you are paying for and why it is necessary. No one plans for an accident, be prepared!
|
Having trouble paying for college? Tell the T-U (The Florida Times-Union)
Integral to any discussion on college is cost. A college education can be expensive, with the average nationwide tuition around $6,000 a year, according to the College Board. The average college debt for graduates is $20,000 to $30,000. Plus, student loans are getting more difficult to get as lenders ...
Renters Insurance: That Was Easy (Forbes)
For the price and ease of getting renters insurance, there's no reason you shouldn't already have it.
The 10 Cheapest Cars to Insure (ThirdAge)
Even after you've found a car that you can comfortably afford, there's yet another cost to consider before driving it home. The cost to insure your vehicle not only varies according to your driving record and your credit score, but also varies according to the model of car you drive.
RCA and CASCO insurance policies - more expensive as of 2009 (Nine O'Clock)
The insurers justified this raise through bad roads, high number of accidents, along with expensive labour force required for automotive repairs.
The Car Sharing Shootout: Autoshare vs. Zipcar (Torontoist)
No, it's not carpooling. Yes, it can work for TTC users. And don't even mention the word "rental." Car sharing comes with its fair share of misconceptions, and the recent entry of U.S.-based Zipcar into the Toronto market creates further confusion.
LAURA ORTIZ: Condos have lots of visual appeal (Detroit Free Press)
Project: Parkview. Attached two-bedroom condominiums with attached two-car garage that include one floor plan with three variations. Square footage is 1,817; base price, $149,900. Place: Taylor
A car for NIS 19 an hour (Haaretz Daily)
The average Israeli car is only driven for an hour a day. Idea: Give up your car and join a vehicle-sharing program. It's a problem in Tel Aviv. Finally, you found a parking space that isn't halfway across the city from your home, so you don't want to give it up under any circumstances.
Senate rejects luxury car tax (Australian Broadcasting Corporation)
The Federal Government's luxury car tax bill has been defeated in the Senate after Family First Senator Steve Fielding and the Opposition combined to vote against it.
2008 BMW M5 (The Car Connection)
2008 BMW M5 STYLING | [8 out of 10] ForbesAutos: "M5, like all M BMWs , doesn't shout its superiority with gaudy embellishments" Cars.com: "unique front face to distinguish it from other 5 Series sedans " Kelley Blue Book: "all 5 Series models get styling enhancements for 2008" Some might call the styling on the 2008 BMW M5 ...
"Pay-as-You-Drive" Insurance Can Provide Major Savings, Expert Says (Centre Daily Times)
With gas prices through the roof and drivers seeking ways to drive less and save more, pay-as-you-drive car insurance is emerging as a prominent way consumers can cut car-related costs.
|
Week in Review #36 (2008-09-07)
Technical analysts looking at the major equity market indexes of various countries this weekend must be stunned to see a consistent pattern where pri...
THE WORLD today!
??????????????????????????? 1. US-Presidential Election 2008 and failed policies of Republican President Bush Barack Obama, winning more than 2206 del...
We also have Open Houses in other areas!
We also have Open Houses in other areas! High Pines?Miami?Pinecrest?Ponce/Davis?South Miami High Pines - Print Map Miami - Print Map Read more...
THE WORLD today!
??????????????????????????? 1. US-Presidential Election 2008 and failed policies of Republican President Bush Barack Obama, winning more than 2206 del...
Do We Really Want Actuarially Sound Insurance Rates? Let?s Go Ask the Wizard
Dorothy: Now which way do we go?Scarecrow: Pardon me, this way is a very nice way.Dorothy: Who said that? [Toto barks at scarecrow]Dorothy: Don?t be s...
Question For AutoBrag: Replacing A Stolen 2008 BMW Key
Question From Robert: wife had purse stolen. Dealer wants 2200 dollars for 1 new key with locks changed or 160 dollars for a new key only. Car wo...
DrumBeat: September 5, 2008
U.S. highway fund crushed by cutback in driving NEW YORK (CNNMoney.com) -- An unprecedented decline in driving will deplete the federal Highway Trus...
McCain: Running in the Past
With interest, which diminished as the evening dragged on, I watched John McCain give the "speech of his life" last night. If the "speech of his lif...
THE WORLD today!
??????????????????????????? 1. US-Presidential Election 2008 and failed policies of Republican President Bush Barack Obama, winning more than 2206 del...
Debt Rattle, September 4 2008: Slaughterhouse Stats
UPDATED 5.00 PM EDT: Wall Street, DJIA, Sep 4 2008, Closing Numbers Ilargi: I thought I?d open today with a look at the New York Stock Exchange. ...
Amira gets her license
Amira gets her license Filed under: General A New Reality ? Jessica @ 4:32 pm My older stepdaughter, Amira, 17, passed her driving test on the fir...
Family Businesses - The World's Second Oldest Business Model
By Mary Webber Family businesses are the backbone of the American economy. The Family Firm Institute of Boston cites these figures: Family business...
Best Cars For Teenagers :New cars 2009 review
Best Cars For Teenagers by Brenda Williams Is there a best car for your teen? Well it depends on who?s deciding, the parent or the teen. Parents...
Pay-as-you-drive or pay-as-you-drive-safely?
Pay-as-you-drive or pay-as-you-drive-safely? Photo by dlisbona on Flickr.Pay-as-you-drive auto insurance is an important tool to unbundle the costs o...
Advantages of Intelligent Home Control - Safety
Do you have home insurance? Of course you do! Having insurance is a part of life. Home insurance, car insurance, life insurance? the list goes on. Wh...
Why buying a late model used car over brand new makes financial sense
Buying a three-year-old Toyota Camry can save $13,000 over a five year period. A new Consumer Reports study of owner costs shows that choosing a re...
Save Hundreds On Your Auto Insurance By Identifying Dangerous Factors
When shopping for a good rate on car insurance you may wonder just how a car insurance premium is really calculated. You might ask yourself questions...
Democratic Convention - Days 3 & 4
Hi, readers! Sorry for taking so long to get this up! It's been a busy few days and so I'm just now finally catching up! Let's get started... Democ...
How to buy a quality used car
Is your high school or college-bound kid nagging you for a new car this fall? Well, according to David Champion, the director of automobile testin...
Coffee With Raghavan about life at Rice University
CWS is now back in full action after 2 days of outage (especially for people who use airtel broadband) Its my pleasure to welcome Raghavan, alumni of...
|
|
Best Sellers from
|
