Vehicle Insurance Myths and Realities

Vehicle Insurance Myths and Realities

Vehicle Insurance Myths
a) Red cars value additional to insurance
The color isn’t an element accustomed calculate automobile insurance rates — we do not even raise you what color your automotive is after you get a quote fromus Factors that do matter area unit the year, make, model, body type, engine size and age of your automotive, further as drivers on your policy.

Vehicle Insurance Myths and Realities

b) One ticket can build my automobile insurance rates go up
Sometimes this can be true, however, in several cases, you have got to urge 2 tickets before your rate goes up. Your driving history, the length of your time you have been insured with an organization and the way quick you were going after you were cited will have an effect on whether or not your rate will increase or not. Keep in mind that a speeding ticket may not be the sole reason your rate increases, as several factors are considered when reviewing them.
c) Auto insurance rates aren’t regulated, so auto insurance companies can charge what they want
Each state requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates. Each state also has regulators who review that information and the rates companies charge.
d) I only need the bare minimum amount of car insurance
Many states have minimum car insurance requirements, but the minimum amount of required insurance may not cover all of your costs. If you cause an accident that results in a lawsuit and your insurance limits don’t cover all of the damages, your assets could be pursued.
e) Cheaper cars cost less to insure
If your cheaper car has a large engine, weighs a lot or is an unusual model, it might cost more to insure that a more expensive small car. However, if you have a cheaper car, you will pay less for Comprehensive coverage, which covers damage caused by vandalism, hail, fire or animal accidents.
f) If someone driving my car causes an accident, I won’t be held responsible
It’s possible you’ll be financially responsible for an accident — even if someone else is driving your car. In most states, the car insurance policy covering the vehicle is considered the primary insurance, which means that the insurance company for the vehicle must pay for damages caused by an accident. Even so, it’s still possible that the driver’s insurance company could be responsible for some of the damages. Why? If the vehicle’s insurance limits are too low and don’t cover all the damages, the driver’s insurance may be next in line to pay for the remainder of the damages.
Since policies and laws differ by state, knowing how your state’s insurance system works could influence who drives your car.
g) Older cars are cheaper to insure
Car insurance rates for all vehicles vary depending on several factors, such as who drives a vehicle and its annual mileage. For older vehicles, many drivers choose to carry only Liability (BI/PD) coverage, which covers injury or damage to other people or property, no damage to the insured person or vehicle. Liability only coverage may be cheaper than insuring a vehicle with Liability, Comprehensive and Collision coverage.
h) My car insurance rates will be higher if I’m a smoker
Your car insurance rates will not be higher if you smoke — we don’t even ask you if you’re a smoker when you get a quote from us.
i) My car insurance rates will be similar to my neighbor’s rates
Car insurance rates are individually determined, so factors such as age, driving record, type of vehicle and marital status are considered. Each person’s situation is unique, and car insurance rates will vary because of this.
j) Car insurance rates go down dramatically when drivers turn 25
Younger and older drivers typically have the most car crashes, and customers of different car insurance companies have different claims experiences. When determining auto insurance rates, insurers generally consider a variety of information about you, including age, vehicle information, claims history and the claims experience of other customers like you.

Vehicle Insurance Myths and Realities
While it’s generally true that rates will go down when you turn 25 if all information about you and your vehicle remains the same, changes in one or more of the other pieces of information used to calculate a rate could lead to you getting a higher, lower or the same rate when you turn 25.
k) Comprehensive coverage protects drivers in all situations
Comprehensive coverage is one type of protection available on an auto insurance policy (others being Collision, Uninsured Motorist, etc.) Comprehensive coverage pays only for damage caused by an event other than a collision, including the following. Remember, there are also steps you can take to limit your risk. Check out tips to stop car thieves.
Fire
Theft
Vandalism
Weather hail, floods, etc.
Vehicle collisions with animals
l) I can use Rental Reimbursement coverage to rent a car for my vacation.
Unless your insured car is in the shop as the result of an accident, you won’t be able to use Rental Reimbursement to rent a car for vacation. Depending on the limits you selected when you bought your policy, Rental Reimbursement coverage pays for some or all of the cost of a rental car — but only when your insured car is in the repair shop because of a car accident.
Vehicle Insurance Realities
a) People who live in the city pay more to insure their cars than people outside the city.
Within a state, city dwellers usually pay more for car insurance than rural residents. Cities have a higher risk for claims due to more traffic, more people, and more theft, that usually means that higher automobile insurance rates.
b) associate accident will build my rates go up, although it isn’t my fault

Vehicle Insurance Myths and Realities
Accidents that area unit your fault have a right away result in your automobile insurance rate. looking on the circumstances, you furthermore may is also placed in an exceeding cluster of consumers United Nations agency receive higher rates, although the associate accident is not your fault.
c) Progressive can cluster drivers with others United Nations agency share similar risk characteristics
Common observe within the automobile insurance trade is to rate drivers supported information collected from alternative drivers United Nations agency share similar characteristics, that overall could be a solid predictor for automobile insurance rating.
d) Anyone who can drive my automotive with my permission is covered if I even have insurance
If you permit somebody to drive your automotive, that person is roofed by your policy. detain mind that if the one who drives your automotive does not have insurance associated causes an accident, you’ll be command liable for the injury, that might build your automobile insurance rate go up.

Vehicle Insurance Myths and Realities
e) Data from my credit report is employed once decisive my automobile insurance rate.
We order your credit report and use data from it to calculate your insurance score — this score is employed once decisive your automobile insurance rate. we tend to use credit as a result of varied studies have shown that credit could be a terribly powerful and freelance predictor of the probability of future accidents or insurance claims. In fact, Progressive information shows that customers with the worst insurance scores area unit double as possible to own associate accident or claim as those with the simplest scores.

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Family Fun Night Ideas

Family Fun Night Ideas

Family schedules simply are not what they wont to be. children trickle in every evening from sports follow scouts or music lessons. folks work long hours. members of the family wear away totally different times. Computers, texting and tv keep America isolated, even within the hours that we’re along. Sound familiar? Well, fret not. We’ve return up with ten nice concepts to urge the family off the couch and defrayment time with one another.
1.Cooking Competition

This fun family activity has some sensible aspects: It gets dinner on the table and builds change of state skills for the full family. to urge started, assign or have everybody select a meal component (salad, main dish, bread, sides, or appetizers). The person responsible of the dish has complete management over getting ready (parents will still supervise young kids) and serving it. Have the family choose the looks and style of every food. At the top of the meal, award prizes for best presentation, best effort, most artistic, most likely to be requested again or other fun categories. Then you can move to the main event: the bake-off!

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For this part of the evening, prepare a box cake mix and divide the batter between family members. Everyone adds their own secret ingredients to their portion. Bake the enhanced cakes in mini cake pans or a muffin pan. After the cakes cool, hold a decorating party. Offer up frosting, tubes of icing, fruit, nuts and candy toppings. If you’re using white frosting, put out some food coloring, too. Vote on which cake looks best and which tastes best.Family fun nights help bond the family together and build happy memories that last. Give these 10 a try, and in the process, create a few of your own variations for having fun with the Mom, Dad, Sister and Brother.
2. Make a Home Movie
Whether your diversion tastes trend toward drama or comedy, you are doubtless to urge each within the creating of a pic. offer your children some options: they’ll act out skits, sing their own praises skills, do a comedy routine, sing dance or showcase alternative skills. allow them to create costumes and props for his or her appearances. offer everybody an opportunity to own a flip or 2 before of and behind the camera as actor, videographer and director.
When the film may be a wrap, roll out a red carpet for the celebs to steer on as they parade into the premier viewing of their blockbuster picture. do not forget to own some “bubbly” (sparkling cider) and hors d’oeuvres to snack on between laughs.
3. Experience the Night
The night is not a quiet place. Bring some field chairs go in the yard and gather your family because the sun goes down. hear the various animals — birds, bugs, dotty and amphibians — that brighten up the dark. employing a nature guide for your space, see what number totally different critters you’ll determine by sight or sound. once it gets completely dark, activate a construction lightweight and stand back as moths flock to that. Use a digital camera to capture images of the different types of flying bugs that show up. Then use The University of Georgia’s Discover Life tool to identify your moths. The mapping feature will let you see where else around the world they live.
If your family gets really engrossed in night life, consider pitching a tent for a backyard campout.
4. Trivia Night
If you pool the collective knowledge of your family members, you’ll find a wide variety of subject matter experts. Why not put this collection of smarts to work for fun and prizes? Many restaurants and coffee shops in towns of all sizes host team trivia nights on a weekly basis. For a moderate food or drink purchase, you can pit your family’s minds against other teams. So come up with a catchy name for your group and head out to a local trivia challenge to match wits with other collectors of facts. You’ll have a ton of fun working together as a team, and you might even win a prize.
5. Reading Night
Reading aloud isn’t just for little kids. Older kids enjoy this time together, too. Cuddle up on the sofa and read a great story aloud. Let your inner actor out, using different voices and pacing to build tension.

Family Fun Night Ideas

The idea is for parents to read to their kids, but if your children have a dramatic streak, offer up the honors to them for a section or two.
6. Formal Night
Formal nights are fun and exciting. Plus, they’re a painless way to teach and practice good social manners and etiquette. Be sure to keep the rest of the schedule clear on formal night; this isn’t just a meal. Take the time to linger over the food and the atmosphere and enjoy conversations that engage the whole family. Before the evening ends, give each person a chance to share an accomplishment or goal, and raise a toast to everyone’s health and good fortune.
7. Arts and Crafts
Take a break from television for some creative family crafting. Spread newspaper or cardboard over the kitchen table and, voilà, you’ve got a craft room! Pick a project and assemble a kit for everyone. Ideas include:
a) Creating birdhouses from recycled material
b) Making holiday ornaments
c) Decorating aprons, T-shirts or other apparel
d) planning wearable art
Or let everyone bring his or her own hobby to the table. you’ll admire every others’ skills and progress, or teach and learn new skills. simply suppose what proportion confidence your kid can gain from teaching mamma and pa or his or her siblings the way to do something!
8. Fire picnic
Let everybody sing their own praises their reconnaissance mission skills with a fire picnic. the primary step, of course, is creating a crackle fire. can you employ a lodge or stack configuration? If you’ve a boy scout or Brownie in your family, have the child (with adult supervision) build the fireplace to check his or her skills. whereas the fireplace burns down for change of state, everybody will pare their own stick with create kabobs. Wrap some ears of corn in significant foil to cook over the coals, so thread chunks of meat, sweet peppers, onions and pineapple on the sticks to roast.
For afters, scoop the center out of bananas and fill the canals with chocolate chips, mini marshmallows, sliced coconut or alternative morsels to create banana boats — or follow the standard nonetheless always-delicious s’mores.
Wrap up the evening together with your favorite fire songs and ghost stories told by light.
9. Board Games and Cards
Board and card games ar the initial interactive diversion, however rather than twiddling with a laptop, your children are going to be partaking with you. The classics ar invariably sensible selections, however there ar new games and updated versions of recent ones that offer nice diversion worth whereas giving kids’ eyes an occasion from video screens. And there ar bonuses: T

Family Fun Night Ideas

hese games combine in some free lessons with the fun. Board games facilitate children develop strategy (Battleship and Checkers), orthography and vocabulary (Scrabble, Boggle and Bethump’d with Words) and cash skills (Monopoly or Payday). Card games like cards teach scientific discipline skills, whereas five hundred, Rook and Spades teach the way to work with a partner. and in contrast to a laptop, board and card games ar nice for habitation and once the facility goes out.

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