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Dec, in Auto Insurance. There are many responsibilities when driving. Alot of people take these seriously. They obey the traffic rules by driving the speed limit and following signs and lights.

They purchase insurance as required by law. And, there are those that do not do any of these things. Everyone needs to seriously consider purchasing bodily injury liability and uninsured motorist coverage in Florida even though it is optional.

That is a scary figure. What is scarier is that there is no way to know how many people buy only the minimal coverage that is required by law. If the guy or gal that hits you has no insurance, those medical bills are all yours — — unless you buy uninsured motorist UM coverage.

Application mobile casino belge also covers you if the at-fault driver is an underinsured motorist UIMan equally likely scenario is this dismal economy, or a hit-and-run driver, which is also not farfetched.

Get out your auto insurance policy now, before you drive another block. You can reject this coverage but should know that there are better than one-in-five odds that the Florida driver who hits you is not insured. Why take that chance on those kind of odds? Oct, in Auto Insurance. If you have lived in Florida any length of time, you know about those sudden afternoon showers. The days can be very hot.

The roads had been polished and smooth by the oil spots on the road. The rain blends with the oil and rubber-dust deposits and it becomes a recipe for disaster. The intersections can be very dangerous spots where cars stop and start frequently. It takes a while Casino spil paa nettetal nwa rapper these areas to be saturated and be washed off the road. Before you get on the road, here are some precautions to follow in addition to regular auto maintenance: What to do if car starts to hydroplane or skid: In heavy rains the best way to remain safe of the roads is to avoid driving during the worst of Application mobile casino belge downpour.

However, if driving is necessary, please use good judgment and the precautions and tips above to stay safe on the roads. Oct, in Homeowners Insurance. According to the U. Environmental Protection Agency and the New York City Health Department, homeowners can minimize the risk of mold by keeping these tips in mind. Many states have adopted laws that prevent cellphone use while operating a vehicle.

It is a distraction that has caused many insurance claims and unfortunately lives. While it is not a law currently in Florida, it is highly discouraged by law enforcement officers. Check out the list below and see if you have used any of these excuses or if there are other ones that you use.

Here are the top 10 excuses the Insurance Corporation of British Columbia compiled of local drivers who were caught using handheld phone devices while driving:.

To stay safe, you need complete command of your machine and the best safety gear you can get. One out of four motorcycle drivers involved in fatal crashes in were driving with invalid licenses. Do both those things and you can reduce your premium by up to 10 percent. A motorcycle rider not wearing a helmet is forty percent more likely to sustain a fatal head injury in a crash than a rider without a helmet. Wear other protective gear as well: Use your headlamps—both night and day—and wear yellow, red or orange jackets to make yourself easy to see.

Make a point of positioning yourself in your lane for visibility. Driving impaired is more deadly for cyclers than other drivers. In fact, more than half of all motorcycle deaths occur when the rider has been drinking.

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Pet Injury coverage can be used whenever a pet is injured during a claim covered by Collision or Comprehensive coverage. Collision coverage must be included on at least one covered vehicle on the policy to receive Pet Injury coverage. Buying a home will probably be the biggest investment of your lifetime. When inspecting a house, especially an older residence, you must try to determine the extent of deterioration, how much work you can personally handle, how much it will cost to have a professional do the work, and what problems you can live with.

Most of all, safety should be your major concern. Our engineering department has assembled a checklist of some items the home buyer should look for when inspecting a house. Some points are major and may require consultation with a licensed professional.

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Others can be taken care of by a person handy with a hammer and nail. Please take a few moments to review the following inspection and maintenance tips:. The dog does not have to be a pedigree to attend. Reconstruction Cost Because the cost to rebuild is Application mobile casino belge much higher than what you paid for your home, we do not rely on market value to determine what level of coverage you need.

There are many variables that affect reconstruction cost as well as market value, so the only way to ensure your home is protected is to provide accurate, up-to-date information to your agent.

Market value is affected by the local housing market in your area, housing shortages, the number of new homes being built near you, and your location. Market values fluctuate constantly and are not a reliable source for replacement costs.

For example, the average home sales price increased by Reconstruction cost is independent Casinoer paa nettetal kaldenkirchen hotel transylvania 2 soundtrack market value, and is affected by things like the expense and availability of labor and materials, fuel costs, special characteristics within the home and even how easy it is to access the house site.

Because of these factors, the reconstruction cost of your home may be much higher or lower than the current market value. This information is used to calculate the cost to rebuild a home based on its unique characteristics. Your agent then obtains a quote for your policy premium based on this information. These appraisals are a critical part of insuring your home to its reconstruction value, especially when you have unique, custom or unusual home features that may not fall into a standard valuation calculator.

What to Expect Once you purchase your homeowners policy, most carriers do an exterior inspection. Because this is an exterior inspection, you do not need to be home to meet the appraiser. You will need to be present for this visit, because the reconstruction appraiser will be examining the interior of your home.

The appraiser will spend approximately 90 minutes in your home carefully examining construction features, finishes, square Application mobile casino belge and other information that will provide an accurate reconstruction cost estimate.

Sep, in Homeowners Insurance. Cooking — A Watched Pot Never Burns Cooking is the leading cause of home fires and fire injuries, with stove fires dominating this problem. A majority of these fires happen when people leave food cooking unattended on the stovetop.

Other common mistakes include leaving burners or ovens on after cooking, leaving combustibles such as potholders too close to heat sources, and wearing loose-fitting sleeves near hot burners. Older adults are more likely to be injured in cooking fires than adults aged 18 to Fortunately, you can reduce the risk of cooking fires with these simple precautions.

Using a burner that is too large can cause the pan and its contents to heat too quickly, which can lead to boil-overs, scorching and burning. A flame that surrounds the pan can easily ignite a loose-fitting sleeve. Grease Fires Take extra care when frying or deep frying food or when cooking with oils, lard, butter or other grease products.

If a grease fire occurs, remember to: Using a fire extinguisher or water to put out a grease fire in a pan could cause the hot oil to splatter, spreading the fire instead of extinguishing it.

Surge damage occurs when the normal electrical circuit is suddenly exposed to a large dose of energy. Lightning is the most obvious surge source, but normal utility switching operations or downed power lines can generate surge too.

Inside a building, surge may come from fax machines, copiers, air conditioners, elevators, or motor pumps. Inside or outside, only lightning strikes within one mile of a structure are likely to damage electronic or electrical equipment. A surge protection device SPD is the best way to prevent or reduce damage caused from electrical surges and should be installed strategically outside and throughout the home.

Two different zones of defense should be used to provide maximum protection: The first zone is the electric meter, where the utility power comes into the Application mobile casino belge.

A whole house SPD rating should be between 20, and 40, amps. It should use fire proof and explosion proof polycarbonate glass-fiber reinforced enclosure with a matching mounting connector. The second zone of defense is inside the home because a SPD installed at the meter will not protect against internally generated surges. Appliances, such as microwaves, refrigerators, and garage door openers that have a power plug require a surge protection device that plugs into the wall.

SPDs for appliances inside the home should not be rated less than 5, amps. Further, appliances that use two services, such as a television set with a cable wire and an electrical cord, may require a combination SPD that allows both a cable and a power connection.

Computers, answering machines, satellite dish components and VCRs may also require combination protection. Cable lengths should be as short and straight as possible to minimize the resistive path of the circuit to the ground. Also, the surge protectors should be equipped with indicators that show if the circuit is grounded and operating properly.

Check tire tread as well as tire pressure. Wipers should be replaced at least once a year. Every car should have a good emergency kit. While driving in rain, here are some helpful tips to avoid dangerous situations: Turn on headlights even if not raining heavy. Daytime running lights are also helpful.

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