Monday, December 5, 2011

Insurance Coverage – Liability, Comprehensive and Collision Coverage


Insurance Coverage – Liability, Comprehensive and Collision Coverage

Car Insurance coverage is comprised of many different types like liability, comprehensive and collision. Some of these like liability is typically mandatory while others like collision is optional. What kind of full coverage do you need depends on your particular situation. If you have an older car, it may not make sense to have comprehensive and collision coverages. We have put together information on different types on
insurance coverage so you can make an informed decision for your personal insurance needs.

Liability coverage:


Liability Insurance coverage is typically required by all states in the United States. This will typically cover any bodily damage (physical harm to another person) resulting from a car accident if it is your fault. This will also cover property damages (like automobiles, road signs, houses etc.) if you are found to be the guilty party in an insurance claim.

The liability insurance is typically written as three numbers like 25/50/25. If you carry such a policy, this means that you have maximum coverage in the amount of $25,000 for bodily injury damage per person, maximum coverage of $50,000 for bodily injury damage per accident and amount of $25,000 for property damage per accident. Different states in America set their own limits of liability insurance coverage. You can get that information from this website:

Minimum Liability insurance

What do all these insurance coverage mean? That first number 25 means that the Insurance company will pay for things like medical bills, hospital fees and lost wages in the amount of $25,000 insurance coverage. If there are multiple people injured in an accident, this will limit coverage in the amount of the second number 50 ($50,000) that was mentioned above. The last number 25 is for property damage insurance coverage. The insurance company will pay upto $25,000 insurance coverage for things like other autos involved in the accident, any road signs or property items like fences and household items that were destroyed in the accident. This is again assuming that you were at fault in the accident. If we reverse the scenario and another person is at fault, then their insurance company will be responsible for not only damage to their vehicle but also to your auto, your medical bills and property damages.

Let's say that you live in Nevada and have 15/30/10 liability coverage and you are involved in an accident where you were at fault. In addition, several people get hurt in that accident unfortunately. If an ambulance is called which takes one or more people to the hospital, you will be held liable for payment of any medical expenses. If your insurance limit is only $30,000 per accident, and the total bills happen to be around $50k, you will be responsible for this amount.

$50k - $30k= $20,000!!

As such it is recommended that typically you carry 100/300/100 coverage or at the very least 50/100/50.


Comprehensive and Collision Coverage


Comprehensive and collision on the other hand are necessary to cover damages to your car. When you are involved in a car accident, the insurance company will pay for damages to your vehicle minus any deductible that are specified in your insurance policy.

Collision insurance will help you pay for any damages to your car in the event of an accident, hence a collision! This insurance policy typically carries a deductible, an amount between $250 to an amount of $1000. This deductible portion is typically paid by you (if you are at fault in an accident) and the rest of the damages are covered by the insurance company. Let's say you are involved in an accident and the damage to your SUV is around $4000. If your deductible is $500, this means is that your insurance company will pay you the following for damages.

$4000 - $500 = $3500

Most often they will just cut you a check in that amount and you can take the car to any body shop that you like for repairs.

Comprehensive is for damages that are not due to a traffic accident. It can include things like fire, damage, theft, vandalism, hit and run and natural disasters like tornadoes, hail damage or a big FAT deer in the road! A deductible still applies in this scenario, just like the collision policy. If you have an older car, lets say more than 10 years, it is recommended that you do not carry Comprehensive and Collision.

Auto Medical payments and No-fault option


Auto medical payments will pay for medical expenses incurred by you or the passengers in an accident. It does not matter if you are at fault or not, this option will cover any medical expenses like ER visits, doctors' fees and hospital charges. Some states have No-fault or PIP (Personal Injury Protection) also. Just like the Auto Medical payments, this will pay for medical expenses in addition to lost wages (Earnings you had to forgo due to injury). PIP coverage will also pay for lost wages if the passengers are injured and unable to perform their regular work duties.

Uninsured motorist and Underinsured motorist


Sometimes you may be involved in a hit and run accident or where the person responsible for the accident does not have any coverage. If you are not at fault, having Uninsured motorist will pick up the tab. In a similar fashion, Underinsured motorist kicks in when someone else is at fault, however they do not have enough insurance to cover all the expenses. In this scenario your Underinsured motorist policy will take care of the expenses.

Related Links for Insurance Coverage


-Insurance Coverage definitions from CarInsurance.com





Thursday, September 1, 2011

Attention: Bloggers for IT Training topics FREE advertising


Attention: Bloggers for IT Training topics

We are actively looking for bloggers who would like to write content for our site
Learnincomputer.com. The subject matter has to do with topics around IT training, distance learning and computer training topics.

In return you will get FREE advertising on a site that gets 1,000,000 hits a month! There is NO compensation for these articles. Please contact me at blog@Learnincomputer.com today to get started and get your name out there.

Saturday, August 27, 2011

How can you save energy with Ambit Energy?

How can you save energy with Ambit Energy?

Ambit Energy is a retail energy provider that is making a difference for energy consumers in Texas, New York, Illinois, Pennsylvania and Maryland. In the above mentioned states, Ambit Energy provides energy savings to residential, small business, and commercial customers. In 2009, Ambit recorded more than 400, 000 customers who saved on energy cost. In fact Ambit Energy was named the fastest-growing privately held company in north Texas by SMU's Caruth Institute for Entrepreneurship in their annual Dallas 100 rankings.

Ambit Energy customers enjoy significant energy savings and an attractive travel rewards program. Additionally, through the Free Energy Program, customers can save energy or even get free electricity each month by referring friends to Ambit Energy and save money on electricity.

Ambit Advantages:


-3 day/2 night stay just for enrolling

-Refer five friends and family who want to save energy and get a FREE travel package at the same time

-Up to 30% off energy savings on your electric bill

-No fee to switch to start your energy savings

-Refer 15 who can save energy cost and you get FREE ELECTRIC month after month!

1 Reward Point for every kWh of electricity you use

-Partner with #1 private company in America (Inc magazine)

http://www.inc.com/magazine/20100901/meet-americas-fastest-growing-company.html

-Fixed and variable rate plans are available to help you save on energy cost

-FREE personal website for referring customers who can save on electric bill



Did you know that a typical U.S. family spends more than $1,600 a year on home utility bills? The good news is, there is a lot you can do to save energy and money at home. With Ambit Energy, there is no complicated paperwork to start saving money and energy cost. Simply complete a short online order form and Ambit Energy will take care of the rest. Nothing will change in the way your service is delivered; you will just save energy cost!

Call Kash @ 214-518-5972 and start saving energy and money today.
"Get FREE ELECTRIC today!"

Call or email Kash today and he can show you What is Ambit all about


Related Links for Saving Energy

-20 things you can do to save energy cost

-How to Save Energy in Your Home


-How-to-conserve-energy-at-home. – TLC.com





Tuesday, August 9, 2011

Ceiling Fan Remote Control - Lightingindoors.com


Ceiling Fan Remote Control






Are you looking for a ceiling fan remote control replacement?


You've come to the right page for your ceiling fan remote control replacement needs. Lightingindoors.com has now grown to be one of the leading suppliers of ceiling fan remote control and wall control systems. Over the past decade, we have ventured into ceiling fan remote control business with products such as universal ceiling fan remote control conversion kit, thermostatic fan remote control system and wall control switch for ceiling fans. We provide ceiling fan remote control replacement solutions and surely you will find a replacement remote control for your fan right at this store.

Listed below are our most popular ceiling fan remote control products for replacement needs.

-Ceiling Fan Remote Control: Part No: JY708R/E01BT
-Ceiling Fan Remote Control: Part No: JY326B-1/JY622CF
-Ceiling Fan Remote Control: Part No: JY200/E01BT

Many ceiling fans are now equipped with the wireless remote control system. This feature offers full operation of the fan (and light attachment) from any location within a reasonable distance. This can be especially beneficial in adjusting the ceiling fan and lights without having to get up and operate a wall switch or pull-chain.

Some ceiling fan remote control systems are not built into the fans. However there is a factory default option added and can be used for future installation at an additional cost. Usually these ceiling fans consist of a remote receiver wired to the fan inside the ceiling canopy and the fan may still have a pull-chain that is not used. If this is the case, then the receiver can be removed and replaced with our universal remote control /receiver conversion kit to turn your regular ceiling fan into a remote controllable one.

If your ceiling fan remote is lost or broken regardless of your fan model, our company could offer you a universal remote control designed to work with the majority of different brands of ceiling fans. In addition, if you need detailed help in replacing/installing a remote control system for your ceiling fan, please refer to the installation manual that come with the kit. Here you will have find a step by step guide that you can follow for ceiling fan remote control replacement.


Lightingindoors.com link specializes in ceiling fan capacitors, ceiling fan remote control, lighting fixtures and ceiling fan parts and LED lighting.

Sunday, February 20, 2011

Select the right Plano printing partner Minuteman Press Plano TX


 Select the right Plano printing partner Minuteman Press Plano TX

Do you know how to specify printing and get the most bang for your bucks?  You will most likely at some point need printed marketing communication pieces. With many options available, consider maximizing your print projects with a superior Plano printing resource.  At Minuteman Press Plano, we will deliver top quality print job.

Many factors determine the right type of printing for your job. Basically, Plano printing offers offset printing or digital printing in Plano and Frisco Texas. Offset printing is best for high quality reproduction in a quantity of 500 or more. Offset printing uses ink, which typically yields a much higher quality than digital printing, which uses toner. However, Plano printing digital technology makes digital printing a good choice for great short print runs and quick, economical projects. Select Minuteman Press conveniently located by Frisco and Plano areas as the right type of print partner for your business.

Paper will either enhance or destroy the printed piece. Besides the weight of paper, we will help you choose a coated (gloss) or uncoated (flat) finish. Texture also plays a big part in the overall feel of the piece and guidance from Plano printing makes all the difference.

The number of colors will help determine what kind of printing. In offset, you may choose to print using spot colors such as PMS (Pantone Matching Systems®) or 4-color process (CMYK) depending on the number of colors and/or effects you want to achieve. Spot colors such as PMS will give you a solid ink coverage rather than dots combined to create a color using cyan, magenta, yellow and black. You can see these small dots in 4-color process if you look at a magazine under magnification. The advantage of 4-color process is that you can print as many colors as you like and still only pay for a 4-color print job. Plano printing press comes in even number of colors.  The more colors do not necessarily make a piece look better.  The message and design of the entire piece is what makes it work.

At Minuteman Press Plano, we provide proofs at the beginning of the print job. With so much efforts spent on creating the piece, we want your print projects in North Texas to turn out right. Before the job prints, Minuteman Press Plano will provide a proof for your review.  Our printing expertise at the Plano Office will review your printing project that includes folding, scoring, finishing specification to assist you with the best possible outcome every time.

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