There probably aren’t very many, if any, drivers that look forward to buying auto insurance. If you’re like most people, you feel that you have an overwhelming task when it comes to sifting through dozens of companies and agents to find the ideal insurer for your vehicle and unique financial situation. The process can leave you feeling unrewarded and irritated as you think about writing a check for a policy that you hope you’ll never need to use.
A black box, also known as the Cockpit Recorder or Flight Data Recorder, documents all of the data transmissions on an airplane, such as altitude, air speed, and voice and sound transmissions. Typically, black boxes aren’t black at all. They are brightly colored, which makes them easier to find in the wreckage following an accident.
The Battle of the Sexes has raged from the time Eve showed Adam she was not about to play second fiddle when she tempted him to bite that notorious apple. Since then, women have proved that they are not just a product of male spare parts. One of the most cherished arenas in the male-female competition is the ability to handle a car. Men have always felt that automobiles are in the masculine domain, pretty much like arc welding and plumbing. Women, of course, have taken a somewhat different view. Now the Chrysler Group has come along to confirm that men and women do not see eye to eye when it comes to rating each other’s driving skills.
Contractor’s equipment insurance is an essential part of any construction firm’s insurance program. Commercial property insurance covers a business’s personal property while it is at a location listed on the policy, but it does not cover property that moves among different locations. Business automobile insurance does insure property that moves around, but it does not cover “mobile equipment” — property such as bulldozers, loaders, digging equipment, and power tools that the business uses off its own premises. Power tools may cost only a few hundred dollars, but large pieces like backhoes and excavators may be worth tens of thousands of dollars. To properly insure such property, the firm needs contractor’s equipment insurance.
With rear end collisions, there is always the possibility of the victims suffering from whiplash. That’s why head restraints are so important to your safety provided they function properly.
We all remember the experience of first learning to drive. You couldn’t wait to get on the road, so you quickly learned the driving rules to show your parents you were prepared to take your driving test. When the day of your road test finally arrived, you dutifully went through the prescribed paces, making sure to use turn signals so the test administrator would evaluate you as a safe, reliable driver. But when a driver’s license was placed in your eager hands that seemed to be the end of any need for turn signals. Or so says a survey conducted in August 2005 by Response Insurance, a national car insurer.
The extensive and costly damage caused by California wildfires over the last couple of years should serve as a reminder on why it’s vital to both know how you should proceed after finding yourself victim to a large-scale fire, and fully understand your fire insurance coverage before you need to call upon it.
The owners of a new company found a building on the market for an affordable price, so they bought it. Built in the 1940’s to manufacture aircraft for the war effort, the metal structure had a large open space. The company occupying this space was in the software development business and the building was much larger than it needed, but the price made it seem like a sensible move. However, the owners got a surprise from their insurance agent about property coverage. Insurance companies base limits of insurance on the cost of replacing a building exactly as it was before the loss. The cost of reconstructing this old building was much higher than both its purchase price and that of other suitable properties. The company did not need that much insurance, and paying the higher premium for it would have been wasteful, so the owners asked the agent for alternatives. What if, they asked, we don’t rebuild our building as it was?
Evidence of the importance of wearing a seat belt while in a moving vehicle is not a recent discovery; many studies have been conducted to compare the hospital costs for victims of crashes that wore seat belts against those who did not wear them. In 2001, the National Safety Council revealed that the average inpatient costs for crash victims not wearing seat belts were 50% higher than victims who were wearing seat belts during the accident.
The feeling of freedom you get while driving is one you never grow tired of. That feeling keeps people behind the wheel, even when the effects of aging make it more difficult for them to drive safely.