How Much Is Car Insurance Going To Cost?

Filed under: Insurance — Admin @ 3:18 pm, July 31, 2022.

Submitted by: Jim Bassett

In this current state of the economy, a growing number of people are dropping or greatly reducing their auto insurance in an attempt to get their budgets under control. With more uninsured and under insured drivers on the road, it can be dangerous for all drivers and passengers involved. But many car owners are wondering how much is car insurance going to affect their household budget.

Many people may feel the urge to purchase the bare minimum of insurance that is required by their state. The law regulates the minimum requirements; however it doesn’t mean that these are the recommended standards for all people. Drivers, who are involved in accidents, whether it is their fault or another driver’s fault, may not be fully covered if only the minimum insurance is obtained. It is recommended that many factors are considered- price and condition of your car, total asset value including your house and the driving ability of every person in the household-before selecting the right car insurance.

Most states require that liability insurance is purchased and the amount varies according to your state. Bodily injury liability will protect you if you cause injury or death while driving your car. In the case of a serious accident, enough liability should be purchased in case you are sued, to protect your personal assets from being seized or compromised. Bodily injury liability covers injury to people, not vehicle damage, and is typically used to cover medical expenses of the injured. It is generally recommended that you purchase $100,000 (per person)/$300,000 (per accident) limits of bodily injury liability. However, if you do not have much personal assets (if you do not own a house, for example) the minimum requirements for liability insurance might be a good risk for you to take.

[youtube]http://www.youtube.com/watch?v=mzsbrXyYx-4[/youtube]

Personal Injury Protection (PIP), no-fault, or Medical Payments coverage pays for the medical expenses, lost wages and other costs incurred of the injured driver and passengers in your car. There may also be coverage if you are injured by a vehicle as a pedestrian. PIP is required in some, but not all, states. If your medical health insurance and disability insurance adequately covers medical expenses and lost wages, the minimum coverage can be selected for PIP. It’s important to read and understand what is covered by your health and car insurance in regards to medical treatment.

Uninsured motorists coverage pays for your medical bills if an uninsured driver or hit-and run driver hits you. Similarly, underinsured motorists coverage insures you in the event that the motorist who strikes you does not have enough insurance for your medical bills. Given the large number of uninsured motorists, this coverage is beneficial, even in states with no-fault insurance. Uninsured/underinsured auto insurance coverage is optional, and can be declined by the driver. However, before declining this coverage, you should take into consideration whether you live in a state with statistically higher numbers of drivers who carry little or no auto insurance.

Collision and comprehensive auto insurance coverage is responsible for a majority of the car insurance premium. Collision coverage pays for damages to your car when your car hits, or is hit by, another vehicle or other object. The larger the deductible (amount you have to pay out of pocket towards damages, before insurance starts to pay), the lower the insurance premium. If you wish to lower premiums, you should select as large a deductible that you would be able or willing to pay in the event of an accident. If you own an older model car (typically more than 10 years old), you could consider dropping this coverage, since coverage is generally limited to the cash value of your car. If you own an expensive or newer car, this coverage is important in order to protect the value of your car in case damage should occur.

Comprehensive coverage pays for losses resulting from incidents not involving a collision with another car. For instance, comprehensive insurance covers damage to your car if it is stolen or if damaged by flood or fire. To lower premiums, you should select as high a deductible as you feel comfortable paying up front. Collision and comprehensive insurance is usually required by law, with each state setting the minimum amount of coverage needed.

It may be easy to try and cut corners when it comes to car insurance by purchasing the bare minimum. However, car accidents are common and can result in large medical and car repair bills. Car owners should realize that the question is not how much is car insurance going to cost them, but how much is car insurance going to save them in the event of a catastrophe. It is important to perform a proper risk assessment which takes into account your driving ability, local traffic environment, current health insurance policy, and other household members to determine what coverage is needed. Then, in case of an accident, there will be a better chance that your out-of-pocket expenses will be covered and your assets protected.

About the Author: It’s a fact that

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Gastric bypass surgery performed by remote control

Filed under: Uncategorized — Admin @ 3:48 pm, July 28, 2022.

Sunday, August 21, 2005

A robotic system at Stanford Medical Center was used to perform a laparoscopic gastric bypass surgery successfully with a theoretically similar rate of complications to that seen in standard operations. However, as there were only 10 people in the experimental group (and another 10 in the control group), this is not a statistically significant sample.

If this surgical procedure is as successful in large-scale studies, it may lead the way for the use of robotic surgery in even more delicate procedures, such as heart surgery. Note that this is not a fully automated system, as a human doctor controls the operation via remote control. Laparoscopic gastric bypass surgery is a treatment for obesity.

There were concerns that doctors, in the future, might only be trained in the remote control procedure. Ronald G. Latimer, M.D., of Santa Barbara, CA, warned “The fact that surgeons may have to open the patient or might actually need to revert to standard laparoscopic techniques demands that this basic training be a requirement before a robot is purchased. Robots do malfunction, so a backup system is imperative. We should not be seduced to buy this instrument to train surgeons if they are not able to do the primary operations themselves.”

There are precedents for just such a problem occurring. A previous “new technology”, the electrocardiogram (ECG), has lead to a lack of basic education on the older technology, the stethoscope. As a result, many heart conditions now go undiagnosed, especially in children and others who rarely undergo an ECG procedure.

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Sulpicio Lines pay PHP6.2 million for death of man in 1998 ferry disaster

Filed under: Uncategorized — Admin @ 3:52 pm, July 24, 2022.

Thursday, July 3, 2008

Sulpicio Lines, a ferry company in the Philippines, have been ordered to pay PH?6.24 million over the death of a man on board MV Princess of the Orient, which sank in stormy weather off Batangas in 1998. Ernesto Unabia was one of seventy confirmed fatalities in the disaster, which left eighty more missing.

Unabia was a 37-year-old seaman who worked on international vessels, and earned a ?120,000 salary. According to widow Verna Unabia, who filed the case with her three children, he was going to work on for thirteen more years and then retire. Unabia’s case is the first to be concluded, although most victims settled with Sulpicio without claims being filed.

Although Sulpicio lost their appeal several weeks ago, reporters have only today received access to documentation concerning the case.

Under Philippines law, employers are responsible for their employees actions. However, in Pestaño vs. Sumayang the Supreme court ruled that if it could be proved an employer had taken appropriate diligence when selecting employers then they could not be held responsible.

It was viewed that Sulpicio was responsible as they failed to remove captain Esrum Mahilum from the vessel despite a number of incidents involving the ferry while he was in command of it. Princess of the Orient had struck the bottom of Manila‘s North Harbour, sideswiped a container ship and suffered a crippling engine fire while berthed at North Harbour, being towed first to Cebu and ultimately Singapore for repairs.

Despite these serious incidents while the ship was under Mahilum’s care, however, he was not removed from captaincy or even disciplined. A Board of Marine Inquiry (BMI) investigation into the ultimate sinking of the Princess of the Orient would later say that Sulpicio did not have enough initiative to take action against him. The court ruled this made them responsible for his actions.

On September 18, 1998, the day of the sinking, Captain Mahilum was warned before starting out that severe weather was approaching. He wrongly calculated that the storm was safely distanced and left port regardless, running into the storm two hours later. Princess of the Orient began listing to the left and a distress call was sent, but she sank before help arrived. The BMI’s report blamed the disaster on the captain making “erroneous maneuvers of the vessel before it sank.” He remains missing to this day.

After the court ruled that this made Sulpicio liable to pay civil damages an appeal was filed, in which Sulpicio said that the captain “valiantly tried to save his ship up to the bitter end. He heroically went down with his ship.” Although he failed to properly supervise the abandon ship order he gave, he was last seen helping passengers to board life rafts. Sulpicio further alleged that careful analysis of the BMI report showed he did not directly cause the disaster.

The court rejected the appeal, with judge Estella Alma Singco saying that while the failure to remove the captain wasn’t the direct cause, “such failure doubtless contributed materially to the loss of life.” Sulpicio were ordered to pay P6.240 million in lost earnings, P100,000 moral damages, P50,000 indemnity – which Sulpicio had already offered to all the families of the deceased – and P50,000 in pursuer’s litigation costs.

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What Is A Car Locksmith?

Filed under: Forklift Services — Admin @ 3:42 pm, July 22, 2022.

What Is A Car Locksmith?

by

Donna Fuller

Locksmithing is a traditional trade and in many countries to be a locksmith requires the completion of an apprenticeship. In Australia one must complete an Apprenticeship or Traineeship in locksmithing.

Historically locksmiths constructed and repaired entire locks but the rise of cheap mass production made for a change in the locksmithing trade. Nowadays locksmiths cover a wide range of services for customers in keeping with the technological advances of the 20th and 21st centuries.

In contemporary times locksmiths can offer a range of services and usually provide products from storefronts and mobile vans, or they specialise in niche locksmithing services including investigational or forensic locksmithing.

One of the more recent additions to the locksmith trade has been the introduction of automotive locksmiths who specialise in the locksmithing of cars; these are the locksmiths that this article is concerned with.

What does an automotive locksmith do?

Just like regular locksmiths, automotive locksmiths work involves the opening and fixing of locks, albeit exclusively with cars, trucks, and other automobiles.

[youtube]http://www.youtube.com/watch?v=CKn1FuB53KU[/youtube]

Before the advent of modern electronic locks in vehicles automotive locksmiths were more concerned with the opening of locked car doors in which customers had left their keys. And while early model vehicles still abound the job of an automotive locksmith has changed in recent times. With the introduction of modern electronic locks their job has changed considerably.

So what are the main services of modern day automotive locksmiths? Here is a list of some of the main responsibilities of modern day locksmiths.

1. Extraction of broken vehicle keys from locks

2. Repairing of damaged ignition lock of the car

3. Transponder key programming

4. Repair of central locking

5. Repair of the original remote control and programming the new one to suit the car

5. Immobilizer chip programming

7. Car lock and car key repair

8. Replacement car keys where originals cannot be restored

9. Roadside assistance

10. Emergency car unlocking when keys are locked inside

Perhaps the most important and differentiating feature of the modern automotive locksmith\’s job is the amount of labour that is put into modern key system. Most of the vehicles manufactured now have a microchip in the head of the key, this is called the transponder, automotive locksmiths can duplicate this mechanism at a cost much less than the actual car dealership.

They also specialise in the repair and replacement of keys, and key housing.

So if you need help with your car\’s keys or if you have an emergency, get in touch with an automotive locksmith expert today.

Sydney Car Locksmiths

are a 24/7 professional, reliable and inexpensive auto locksmith. We provide emergency auto locksmith services throughout the Sydney region.

Article Source:

ArticleRich.com

Council of Australian Governments agree on reduced environmental regulation

Filed under: Uncategorized — Admin @ 4:03 pm, July 21, 2022.

Saturday, December 14, 2013

At a meeting of the Council of Australian Governments yesterday leaders of the Australian states and territories agreed to a deal with Australian Prime Minister Tony Abbott which would delegate more environmental decision-making powers to the states and territories about projects that might affect the environment. The “one-stop shops” policy would mean that the states would do more of the assessments for projects with the intention that eventually some states would have the full authority to make the decisions.

Two states, Queensland and New South Wales, have agreed with Abbott a policy of “assessment bilaterals”. Abbott described them as follows: “Under those assessment bilaterals the states will do all the assessment work and we hope that in the not-too-distant future we will have approvals bilaterals in place which will mean the states will not only do the assessment but will also do the approvals.” All of the states and territories signed memoranda of understanding with the federal government on the issue of environmental regulation.

Tony Abbott argued it would not harm the environment and the “same high standards of environmental approval” would be used, but decisions would be quicker. The Australian government would still hold the power of veto over projects they deem environmentally problematic.

The Business Council of Australia welcomed the move, saying the regulation changes were a “long overdue breakthrough”.

The Australian Green Party has condemned the policy. Senator Larissa Waters, environment spokeswoman for the Greens, told reporters: “These deals pave the way for Tony Abbott to abolish a 30-year-old federal safeguard for our most precious natural places and wildlife, established when Bob Hawke stepped in to save the Franklin from being dammed […] Labor governments in South Australia, Tasmania and the ACT are trashing Bob Hawke’s legacy and contradicting federal Labor’s position”.

She continued: “Tony Abbott wants to put states and territories in charge of approving environmentally destructive projects that impact our World Heritage Areas and nationally endangered species.”

Jess Abrahams from the Australian Conservation Foundation also expressed opposition to the changes: “The memoranda of understanding signed today paves the way for the undoing of 30 years of national protection for places and species of national environmental importance”.

The Council also discussed truancy by indigenous students and the National Disability Insurance Scheme.

Retrieved from “https://en.wikinews.org/w/index.php?title=Council_of_Australian_Governments_agree_on_reduced_environmental_regulation&oldid=3578685”

Ford offers US$78 million for Romanian auto plant

Filed under: Uncategorized — Admin @ 3:51 pm, .

Saturday, September 8, 2007

Ford Motor Company, the U.S. car maker, will reportedly pay €57 million (US$78 million) for a 72.4 percent stake in the Romanian assembly plant Automobile Craiova, a Romanian official said Friday.

“The offer of Ford Motor Company for a 72.4 percent stake is €4.1556 per share or €57 million overall,” said Sebastian Vladescu, head of the State Property Agency (AVAS), after opening Ford’s improved offer. Vladescu added that the contract may be signed on September 12, during the auto show in Frankfurt.

The Romanian government bought back the Craiova-based car maker from Daewoo Motors, in late 2006 for US$51 million. As the Korean company was bankrupt, the government had to pay another $10 million for debts stemming from past loans. Ford is the only bidder for the purchase of the factory.

According to Washington Post, many auto-part makers have set up in the new European Union member country, attracted by cheap labor, favourable tax rates and the rising output of Renault’s Dacia plant. The vice president of Dacia, Constantin Stroe, said that the price Ford offers is not important. “It’s important to have the factory working as soon as possible”, he added. “With this production facility, Romania will become an important auto production center in Europe”, concluded Stroe, cited by HotNews.

Retrieved from “https://en.wikinews.org/w/index.php?title=Ford_offers_US$78_million_for_Romanian_auto_plant&oldid=495555”

United Nations: More people with access to cell phones than toilets in India

Filed under: Uncategorized — Admin @ 3:42 pm, .

Friday, April 16, 2010

According to a United Nations survey, more people in India, the second most populous country in the world, have access to mobile phones than to a proper toilet. Over half a billion cell phones are active in India, but only 366 million people there have access to a toilet.

“It is a tragic irony to think that in India, a country now wealthy enough that roughly half of the people own phones, about half cannot afford the basic necessity and dignity of a toilet,” commented Zafar Adeel, Director of United Nations University’s Institute for Water, Environment and Health (IWEH).

India’s 545 million cell phones serve about 45 per cent of the population of more than one billion. Only 31 per cent (366 million) have access to modern hygienic amenities as of 2008. The United Nations University (UNU) recommends achieving the Millennium Development Goal (MDG) which aims to cut in half the number of people lacking safe water and proper sanitary arrangements. According to the World Health Organization (WHO) and the United Nations Children’s Fund (UNICEF), there would be a deficit of one billion people from that target aimed for 2015.

“Anyone who shirks the topic as repugnant, minimises it as undignified, or considers unworthy those in need should let others take over for the sake of 1.5 million children and countless others killed each year by contaminated water and unhealthy sanitation,” Adeel added.

“Popular education about the health dangers of poor sanitation is also needed. But this simple measure could do more to save lives, especially those of young people, improve health and help pull India and other countries in similar circumstances out of poverty than any alternative investment. It can also serve as a very significant boost to the local economy,” he said. “The world can expect, however, a return of between $3 and $34 for every dollar spent on sanitation, realized through reduced poverty and health costs and higher productivity — an economic and humanitarian opportunity of historic proportions.”

The nine recommendations made by the UNU include changing the MDG target from 50 per cent by 2015 to 100 per cent coverage by 2025. Another suggested reform was to assign 0.002 per cent of gross domestic product (GDP) to improving sanitation. Approximately 358 billion dollars would be required to achieve that MDG target, considering that a toilet costs 300 dollars.

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Automobile Crashworthiness And Its Relation To Auto Accidents

Filed under: Personal Injury Lawyer — Admin @ 3:10 pm, July 19, 2022.

A car accident occurs on American roads every ten seconds, with nearly two million Americans injured as a result of a car accident in 2001 alone. These injury-related accidents may be the result of a negligent driver, however accidents and injuries are sometimes the result of a design, installation, or manufacturing flaw. Many parts of a vehicle, including tires, brakes, seatbelts, or roof structure can cause or contribute to an accident or injury, if those parts are defective. As a result, the term “automobile crashworthiness” is used to refer to a vehicles ability, or relative inability, to prevent an individual from being injured in an accident, and the possible culpability of that vehicle’s manufacturer.

National Highway Traffic Safety Administration (NHTSA) research shows that the major causes of injury inside a vehicle during a collision are, in descending order: steering wheel, instrument panel, doors, windshield, front roof pillar, glove box area, roof edges, and the roof itself. It is not surprising, then, that front-seat passengers are more likely to be injured in an auto accident than rear-seat passengers who are protected by the padding of the front seat backs.

NHTSA data also shows that 51 percent of motor vehicle deaths occur in head-on impacts, 27 percent in side impacts, and only 4 percent in rear impacts. Rollovers, however, are particularly lethal because they are more likely to eject unrestrained passengers from the vehicle than other types of collisions. Fatality rates are 25 times higher for ejected passengers than for those who remain in the vehicle.

When an auto accident injury occurs, it is important to take certain precautions and steps immediately following the accident. The first step is to evaluate the health and safety of the individuals involved in the accident, especially those who might have suffered an auto accident injury. It is important to call the police in order to have an auto accident injury report completed. This provides an official account of the auto accident and all pertinent details.

After an auto accident injury, it is important to gather information from those parties involved and speak with any witnesses to the accident. If one party was responsible for the accident that caused an auto accident injury, it is vital to collect information regarding that party’s vehicle, license plate and vehicle identification number (VIN), insurance information, and any other important details. Taking pictures at the scene of an auto accident can also help determine the cause of an auto accident injury.

The direct cause of an auto accident injury is not always immediately apparent after an accident has occured. Therefore, it is imperative to collect as many details and as much information as possible about the automobile accident, as well as the conditions surrounding the incident. It is a good idea to contact your insurance company as soon as you can in order to inform them of your auto accident injury. Following an auto accident injury, receiving rightful compensation for your injuries can be a complicated and long process. Securing the help of a qualified and experienced personal injury attorney who specializes in auto accident injury can greatly strengthen your case. An experienced lawyer knows how to investigate your auto accident injury in order to build a strong case that will enable you to receive compensation for your injuries.

In order to prove that a defectively designed automobile caused an injury, lawyers must consult with top engineering experts to show how the injuries could have been prevented by proper design. To prove these cases, testing and reconstruction of accident situations can include state-of-the-art computer modeling and animation techniques, as well as real-life experiments. Automobile manufacturers defend crashworthiness claims vigorously, sparing no expense to attack the plaintiffs’ evidence and trying to blame drivers, weather, road conditions or any factor other than the car’s design problems for auto accident injuries.

If you believe you have an automobile crashworthiness law suit, contact an experienced unsafe products attorney today. Your crashworthiness lawyer will help you evaluate your claim and get the compensation you deserve.

Australian Greens senator Bob Brown marks 10 years in Parliament

Filed under: Uncategorized — Admin @ 3:17 pm, July 17, 2022.

Thursday, March 2, 2006

As the Australian Prime Minister John Howard celebrated his ten-year reign this week, Greens Leader Bob Brown marked the 10th anniversary of his election into the Federal parliament.

Senator Brown has outlasted 10 other party leaders: Meg Lees, Cheryl Kernot, Natasha Stott-Despoja, Brian Greig, Andrew Bartlett, all former Democrat leaders. Pauline Hanson, Len Harris of the One Nation party, plus the Australian Labor Party’s Kim Beazley, Simon Crean and Mark Latham have all been and gone during that time.

Only Prime Minister John Howard and Senator Bob Brown are left standing as leaders in the Australian Federal Parliament. Bob Brown was elected to the Senate in 1996, and re-elected in 2001. He has introduced bills for constitutional reform, forest protection, to block radioactive waste dumping, to ban mandatory sentencing, and greenhouse abatement.

Senator Brown says his party has hardly been in the balance of power at any stage, yet the Australian Greens have risen in popularity. “We’ve become the third major political party in the country and we’re on our way to becoming a real power broker in this country and ultimately, the aim has to be becoming part of the Government of the country,” he told ABC Radio.

While there’s perpetual media speculation over John Howard’s possible retirement, Senator Brown says he’s full of beans and ready for the next 10 years. “And there’s no speculation about me standing at next year’s election. I can’t wait,” Senator Brown said. “Our election aim will be to rescue the Senate from the Howard government, and doubling our team is not beyond reality.”

The Tasmanian Greens senator predicts his party could govern the country one day. “We’re on our way to becoming a real powerbroker in this country and ultimately the aim has to be becoming part of the government of the country,” he said.

The Greens started with Brown’s entry into the Senate after the 1996 election, doubled to two senators in 2001, and has four had senators represented since 2004.

The four Greens senators and their staff say they will celebrate with a chocolate cake – and 10 green candles. The government held a gala fundraising dinner in the Great Hall of Parliament on Wednesday night to celebrate Mr Howard’s milestone.

Senator Brown said the success of Prime Minister John Howard is in his ability to play on fears. “(Howard)… is able to “dig a little bit below surface to play on fears that people have. He has presided over a country where the rich have got richer much faster than the poor have seen their conditions improve,” he said. “And it is a country that says if you are down on your luck, bad luck. The good Samaritan aspect which is very strong in this country, doesn’t reside with this government.”

Of the Federal Labor Party the Greens leader said they should move back to humanitarian politics He said Labor was trying to swing to the right but had lost its way. “I think the Opposition has lost its way and I think it is going to get worse,” Senator Brown said. “The indications are that the Opposition thinks if it moves to the right it will do better,” said Senator Brown.

Bob Brown is among 20 environmentalists, organisations and concerned citizens who were issued a 216 page writ by the Tasmanian-based timber company Gunns Limited in December 2004. The woodchipping giant is sueing for a combined AU$6.3 million for actions it claims has damaged their business and reputation. The defendants say the case is ‘industrial’ style litigation, alleging conspiracy, interference with trade and business and defamation. Nine different campaigns are cited.

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Proton rocket fails during launch of JCSAT-11 satellite

Filed under: Uncategorized — Admin @ 3:16 pm, July 16, 2022.

Wednesday, September 5, 2007

A Proton rocket which was intended to launch the JCSAT-11 satellite into a geostationary transfer orbit lifted off and successfully completed its first stage burn, but the second stage failed leading to loss of the rocket and satellite.

The launch vehicle was a Proton M booster with a Breeze M upper stage. More than 300 Proton rockets have been launched, all from the Baikonur Cosmodrome in Kazakhstan. Following the launch failure, Kazakhstan suspended the launch of Proton rockets from Baikonur, Interfax news agency reported.

JSAT Corporation immediately placed an order with Lockheed Martin, the satellite manufacturer, for an identical replacement satellite based on the A2100AX design.

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