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.

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.

The Benefits of Non-Profit Branding

To the uninitiated, branding is synonymous to the image of a logo. Yet, branding is much more than a logo. What then, is branding? “Branding is endowing products and services with the power of a brand” (Kotler & Keller, 2015). One can clearly tell from this definition that branding is much more than a logo, a website or a brochure.

In times past, non-profits adopted the concept of branding mainly for fundraising purposes. Today, branding has evolved beyond fundraising purposes and offers the following benefits:

1). Builds Trust

An effective branding strategy that communicates the impact of a non-profits work engenders trust. By sharing its’ activities and progress, people become aware of the role the non-profit plays in its’ community. With the trust earned, a non-profit can easily garner support for its’ causes.

2). Advocacy / Expanded Support Base

Once people become aware of a non-profits’ work, it becomes easier for them to connect with its’ brand. Consequently, they not only become loyal adherents of the non-profit but they also become its’ advocates. This can serve the non-profit in many ways. For instance, success stories shared on a non-profit’s social media page can be re-posted by loyal adherents and shared with their friends. Such activities have the power of expanding a non-profit’s support base since a wider audience is reached through the act of sharing.

3). Increased Funding Opportunities

A strong brand improves the rate of success of a non-profits’ funding endeavors. By creating a positive brand image, it becomes easier to engage favorably with funders and stakeholders alike.

4). Facilitates Partnership Formation

A strong brand makes it easier for a non-profit to forge meaningful partnerships. The ability to collaborate with other organizations enhances a non-profits ability to implement projects that have a wider reach/scope. This in turn creates a favorable perception for the non-profit and influences its’ fund-raising potential.

5). Reflects a Non-Profit’s Identity

According to Nathalie Kylander & Christopher Stone (Spring 2012 Blogpost), a ” brand embodies the identity of the organization, encapsulating its mission, values, and distinctive activities”. In essence, a thoughtfully planned and executed brand image will convey the ideals of a non-profit to its’ constituents and the general public in an effective manner. It will aid in reflecting the unique value proposition of a non-profit while differentiating it from other entities.

Thus, its’ constituents and the general public will be in a position to familiarize themselves with the vision of the non-profit while keeping track of its’ achievements. As a result, the process of nurturing relationships with supporters(such as volunteers) and sympathizers to its’ cause while entrenching its’ position will be greatly improved.

It is essential for a non-profit to develop a compelling and consistent brand since it engenders trust among its’ audience, expands its’ support base, increases its’ funding opportunities, facilitates its’ ability to forge partnerships and reflects its identity.

References:

Kotler & Keller: Marketing Management (2015), American Marketing Association (AMA)

Nathalie Kylander & Christopher Stone (Spring 2012). The Role of Brand in the Non – Profit Sector[Blogpost]. Retrieved from https://ssir.org/articles/entry/the_role_of_brand_in_the_nonprofit_sector#bio-footer

Learn All About Italian Cooking In Italy

Do you wish to visit Italy? Do you live near or in Italy as a permanent resident? Are you a resident of place near to Italy? Do you dream of enhancing your cooking skills or learn how to cook?

Have you ever heard of Italian cooking classes? These Italian cooking classes would help you cook delicious and world famous Italian recipes with ease. If you are a tourist and is planning a trip to Italy then you should consider including Italian cooking classes in your trip. This would not only be an enhancing activity that is wonderful but would be beneficial for you all your life. What could be better than learning Italian cooking classes in Italy. There are people in Italy who are proficient in prepairing Italian food and can hence provide you with greatest techniques and tips.

If you live in or near Italy then you should not miss this wonderful opportunity. This could be your new hobby or interest that would benefit you all your life. If you dreamed to become gourmet Italian chef in any phase of your life then Italian cooking classes are the best solution for all your needs and requirements. You would get what you are searching for in Italian cooking classes!

If you are searching for information on Italian cooking classes then you can use internet for the same. Various websites or blogs are there on the internet to assist you in this task. You get various types of information that includes list reviews, student satisfaction and cost comparisons. Some also undertakes the responsibility to inform you of class curriculums. You can also view the information about the professors and their accomplishments or experience. In any of the case, you would be endeavored with informative activities or about the open house learning.

It is worth exploring your desires, interests and dreams. You cannot ascertain the benefits of attending Italian cooking classes in Italy. Some join these cooking classes to impress their friends or family by their extraordinary dishes while others take it as a passion of their life. There are people who just want to join a new activity to spend some time with their loved one or a friend and some take is seriously as their career. Whatever are your needs or requirements from Italian cooking classes you would definitely be able to accomplish that.

There are people who do not believe in online classes and wish to attend a class physically. For such people it would be an opportunity to meet wonderful people who also share the common interest for Italian cooking. This could be one of the best way to make friends of common interest. You can share your experiences and learn a lot from your colleagues or friends. If you are a novice just like them then you can easily struggle with recipes and adjust to the environment easily.