Some Things Your Car Insurance Company Won’t Tell You

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.

7 Questions to Ask Before Booking A DJ For Your Wedding

Scouting for an amazing disc jockey (DJ) for your wedding is not a stroll in the park since there are many things to put into consideration. However, before booking that DJ, he must be able to provide appropriate answers to the following questions in order to prove his competence.

1. Are you a full-time DJ?

It is important for you to know that the DJ you want to hire is not just a one-dimensional part timer who may not owe enough time to the job. He must be involved on a full-time basis with quality experience that cuts across various events. He must be a true performer that can handle tough audiences without stress and satisfy them.

2. How do you treat song requests?

You should engage a DJ that understands how to strike a balance between couple's song requests and those of the guests so that both parties are adequately satisfied.

3. How do you customize the music experience for each couple?

He should be able to provide a soundtrack for your wedding which is dependent on your taste, style and vision for the day. He should be able to willingly accept your must-play and do-not-play lists because you are supposed to be in control of the music that will be played on that day.

4. Can I hear some samples of mixing and blending of different tracks?

He should be able to blend between songs harmoniously to the point that you may not even be aware of it. There should not be artless silence between songs as this will make your party to be boring.

5. What sound equipment do you work with? Do you have back-up?

The equipment that a DJ makes use of is as important as musical instruments. His turntable, microphone, mixer, computer, etc., must be up-to-date in order to reel out the best mix for your party. It is also important to have back-up equipment to guard against unforeseen circumstances.

6. How do you get the crowd pumped?

DJs have a lot of baits to encourage guests to take on the dance floor. You can request for a video of past performances in order to gauge the skills of the DJ you want to hire in entertaining guests.

7. Why should I choose you as my wedding DJ?

Providing a satisfactory answer to this question will go a long way to prove that you are about to hire a competent DJ. He should be able to tell you what makes him unique in the industry and this will assist you in making a vital decision that will make your wedding successful.

Baby Clothes Overstock and Clearance Items – Why Donating Makes Sense

Retail clothing storeowners inevitably face the same situation year after year – a surplus of last season's styles in some form or another. This is good news for the consumer, as prices on these items are typically slashed well below retail in order to make room for new products. But what to do with the clearance items that remain on the shelves well into the next season? Or what if there simply is not enough room to hang on to these items any longer once new products arrive? Storeowners who find them facing these questions may want to consider donating overstock and / or clearance items to a worthy charitable organization.

In many cases, making a sizeable donation will not only benefit the many people touched by the organization receiving your donation, it may make a positive impact on your bottom line by allowing your business a tax write-off at the end of the year. If you are considering making a sizeable donation, you may first want to contact your tax advisor to discuss how the donation would affect your tax scenario.

It is advisable to spend some time researching potential organizations prior to donating. There are seemlessly countless organizations out there that are willing to take donations of clothing and accessory items. When choosing an organization, make sure first and foremost that the organization is not-for-profit, as this ensures the potential tax-benefit of donating. It may be easier to locate large national organizations, but it is worth to research smaller local organizations as well. These local organizations often do not receive the level of exposure necessary to meet their demands at the same level as larger organizations. As is the case in so many situations, the internet is generally the best source of information for researching charitable organizations. In addition, consult your local phone book, and ask around. Chances are you already know someone who has some sort of connection to a local charity – use those connections!

Once you have selected a non-profit organization to receive your donation, it is important to obtain a single point-of-contact within the organization. This person can organize the receipt of your donation, which in many cases can be arranged to take place at your business or warehouse. It is a good idea to provide an itemized list of the donation, including wholesale value, to your point-of-contact at the time of the donation. This list will not only help to document inventory in your records, it will also be a helpful tool for the charity to reference while incorporating the donation items into their existing product supply. In turn, ask that they provide you with a "letter of receipt", acknowledging and referencing the value of the donation. This letter will provide documentation that will be needed to validate the tax write-off. Be sure to discuss the significance of this letter with your point-of-contact prior to making the donation, and follow-up soon as the donation is made to be sure the letter is generated in a timely manner.

An Overview Of The Benefits Of Transcutaneous Electrical Nerve Stimulation

The acronym for Transcutaneous Electrical Nerve Stimulation is TENS. This is a pain relief method that involves a device that transmits electrical impulses via electrodes on the skin to a specific area of ​​the body that is painful. It is useful for the relief of acute and chronic pain. Electric stimulation for pain management goes back to the Ancient Greeks and, more recently, Benjamin Franklin was a great proponent of the concept. However, the first patented modern machine made its debut during 1974 in the USA.

TENS has proved to be effective for many types of pain. It is commonly used during childbirth, after surgery, for bursitis, tension headaches, tendonitis, cancer, chronic wounds, arthritis, migraine headaches, injuries, and other painful conditions. Medical practitioners believe that the technique stimulates the body to produce endorphins which are natural painkillers. However, they do not claim that this therapy addresses the root cause of pain. Its primary use is to offer short-term relief while healing is occurring.

A TENS device enterprises of an electric unit that is connected to electrodes. These are attached to the skin near the targeted area. When the device is switched on, a low-voltage current is delivered into the body. During therapy, the patient will feel a warm, tingling sensation.

A session usually lasts between 5 and 15 minutes. Treatment may take place as often as necessary according to the severity of the pain. TENS can best be described as an electrical massage. It is widely used by physiotherapists, massage therapists, and chiropractors. Portable systems are available so that patients can apply the therapy at home.

In the USA, there are over 100 different types of portable TENS machines which have received approval from the Food and Drug Administration. However, the public may not use them unless authorized by a medical practitioner. Some units deliver the electrical impulses via acupuncture needles. This method has to be performed by a qualified health care practitioner.

Research indicates that TENS therapy has shown some efficiencies with cancer patients, especially those who have neuropathic pain which is related to nerve or tissue damage. In such cases, TENS works best when combined with medication. It has shown to be particularly helpful to relieve painful bones and muscles after major surgical procedures.

Patients who are allergic to adhesives may react adversely to the electrode pads. This therapy is not suitable for patients who have heart problems. Also, it should not be administrated to people with implanted defibrillators, pacemakers, infusion pumps, or any other internal device that may malfunction due to the electrical current. If a woman suspects she may be pregnant, she should advise the practitioner because the effects on an unborn fetus are not yet known.

Transcutaneous Electrical Nerve Stimulation is otherwise considered to be safe. Anyone applying the treatment at home should take care that the current is not too intense because it may irritate or burn the skin. Never place the electrodes near the throat, brain, heart, or over the eyes. Always ensure that you know how to operate the device correctly and that you have received instruction from a professional practitioner.