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.

Cooking Utensils: the Truth Behind the Hype

Using the most suitable cooking utensils can make the difference between a wonderfully planned gastronomic banquet and an awkwardly made excuse-for-food. Or so the celebrity chefs who are sponsored by the major kitchenware companies would have us believe. The question we novice chefs have to ask is, ‘Do the correct tools genuinely make all the difference?’ ‘Does the way you chop, slice, dice and dish out your meat and two veg physically affect the flavour?’

Okay, granted, if you lack the appropriate utensils, it may be tricky to drain your pasta without picking up a couple of third degree burns, and you might find those curly radishes to top your salad bowl difficult to pull off, but is there really an optimal shape and size for food intended for the human mouth? To get a short answer to this question, we need to take a look at Chinese cuisine.

Chinese recipes emphasize the importance of presentation. Eating is a sensory experience. If the food looks, smells and even sounds good (think of sizzling woks wheeled to your table in a good restaurant) we’re salivating even before the first morsel gets anywhere near our mouths. Chinese chefs have long understood that your senses are connected. Your senses all lead to the same place – your brain. And it’s your brain that makes the final assessment. As innumerable sponsored-up-to-their-eyeballs master chefs will fall over each other to inform you, the way you prepare your veggies and present your dishes will have an enormous affect on the way your meal will taste The other definitive feature of Chinese cooking is the way the vegetables and meat are cut. There are strict rules concerning the size and shape of the food on the plate. Each dish should be easy to handle – it should invite you to pick it up… but then again you’ll have to use chopsticks.

Cooking utensils, it would seem, really can transform a mundane meal into a feast… if you know how to use them. Owning the appropriate set of knives to chop and cut, nip and tuck, is one thing; owning the skills to use them is another. However, to develop your technique, you need to own the utensils in the first place. You have to start somewhere, and leafing through a kitchenware brochure at the behest of some celebrity chef or other is as good a place to start as any – the best place to start is from the recipe. After all, the recipe is what you are interested in, and what you and your family is going to end up eating.

What makes a cook into a master chef? The salient factor is their ability to shower their creations with loving care and attention, as anyone who has read an Isabelle Allende novel will testify. Once you have your tools and skills, the possibilities for experimentation and gastronomic exploration are boundless. And you can bet there is a specially designed set of cooking utensils to cope with any culinary creation you might dream up. For the majority of us, one appliance can be adapted to manage a diverse range kitchen tasks, but for the experts there is a specific tool for each and every kitchen task.

This apparently trivial distinction between the two ways of thinking about cooking can have a profound affect on your meals. Take an onion, for example. According to the experts, it should be sliced a particular way to enhance the flavour, although, as we have learnt from the Chinese, the visual result is at least as big a factor in determining how the food will taste. Viewed in this way, slicing the onion ‘after the book’ becomes as important as, say, the amount of oil you add to the pan. It would seem that using the right kitchen utensil in the chef’s domain is imperative. In short, prepping your ingredients by following someone’s mealtime master plan can transform the appearance and flavour of the final dish. Get this right and you are no longer a cook. You are a chef

Selecting The Best Utensil

Selecting the right set of cooking utensils is dependent on the content of each individual recipe. Suggestions for cooking utensils are very often presented within the cooking book or online recipe page and, traditionally, they are accompanied by clear instructions to enable you to choose the right utensil for the right job. Cooking utensils, it would seem, do have a central role to play. Your family is certain to enjoy the excellence of your cooking if it is prepared with skill and loving care, but if not, they may reach for an entirely different set of utensils.

There are many companies that produce fine cooking utensils, but on balance, it is better to start from the recipe book and build up a collection of what you need as needs arise before you start leafing through the pages of glossy catalogues.

How to Write a Best Man Wedding Speech Toast

Best Man Wedding Speech

Trust me, many calm and collected people who are great at public speaking, get nervous when they are asked to speak at their friends wedding. As the spokes person for the guests of honor, there are many expectations placed on you. So, how do you write a best man wedding speech?

Well, if you are here, then you have been requested to make the best man wedding speech for the wedding day. This is not just any day, but THE day that these two special people (including all their family and friends) will look back on for years to come. After all, when you have been deemed the Best Man, this wedding speech is even more crucial. This means that you know the groom best, and will toast the newlyweds as well at their wedding.

If that is not enough, you are also one of the main coordinators for the wedding reception. You will help organize the details for the wedding and reception to make sure that everything runs smoothly. You are also expected to look after the groom (make sure his breath smells fresh and that he is not drinking excessively). Also as a host you must ensure that guests are having a good time. This means removing any stress or dealing with people that might interrupt the wedding reception. Lastly, there are other people running around with a list of responsibilities. You need to make sure these people are on top of things while enjoying themselves.

So when are you allowed to you have a good time?

I have a feeling that you are beginning to understand why many best man candidates can not handle the tasks required. I am sure that you are flattered to be given the honor as best man to prepare the best man wedding toast, but many find it hard to juggle the direction under all this stress and responsibility.

How to Write a Best Man Wedding Toast

Writing your wedding speech is not what is time consuming. It is making sure everything blends together. Your best man wedding toast will need a theme and the necessary personal, witty, emotional, and meaningful ideas, jokes, and one-liners that make a wedding speech memorable for all the right reasons.

Even for those that are used to writing and delivering speeches alone, this can still be a challenge – and for those not accustomed to public speech etiquette (more so writing the perfectly balanced wedding speech for the big day), just the thought of standing in front of hundreds of strangers with all the focus on your every word is enough to make anyone’s creative juices come to a grinding halt.

Luckily, there is an easier way in the form of an extremely well written and simple to read book by author Tom Haibeck, professional speech-writer.

This book is considered the Bible of Wedding Toasts in the wedding realm. Regis Philbin referred to this book when toasting his daughters wedding and it will help you too. I have checked it out, and this book lays out you need to know about being an incomparable Best Man. This means more than just how to write and deliver the best man wedding speech, but also gives you insight into possible themes, wedding toasts 101, the correct use of humor, how to eliminate your fear of public speaking, how to hold their attention… all this, as well as TONS of written speeches and wedding speech templates.

Would not you like to get the job done quickly and efficiently?

Get Wedding Speech Samples

The main attraction of this package is, of course, the handwritten exquisitely crafted, witty professional wedding speeches (did I mention that there is are easy to use, step-by-step templates, a checklist, and Tom’s top 10 Do’s and Don’ts).

That is not it, there are also tasteful jokes and famous quotes that will help you personalize your best man wedding toast without sounding insincere. That is the difference between this book and all the other canned speeches that I have seen. This one will not make you look fake. Trust me, as a wedding professional I have heard many terribly delivered toasts and few had the natural well versed touch that the bride and groom deserve.

Best Man Wedding Speeches is it Worth It?

Altogether, this is a pretty impressive package. Toms got all the bases covered here, an intense variety of useful info on every single aspect of being a Best Man, from the speech-writing and delivery itself to handling problematic guests to wedding etiquette.

In short: literally everything you will ever need to pull off your responsibilities as Best Man with style and panache are included here.

But do not just take my word for it, feel free to check it out for yourself (and have a look at a couple of those testimonials while you are there, if they do not convince you, then nothing will!)

The verdict? Two thumbs up for Tom Haibeck’s Best Man Speeches; it really is the Best Mans ultimate resource!

Summer Vacation – Preparing For Your Summer Vacation

We all know that planning and preparation for anything goes a long way to minimizing problems later. There is no better example of this than taking a summer vacation. Are you thinking about this year’s summer vacation? If you are, have you already started planning and preparing for your vacation or trip? Why not?

There is actually no excuse as there are a large number of planning and preparation tips available for summer travelers online, in seasonal magazines, even from some travel agents. Having said that, some advice may put us off because it pertains a specific location or country. When planning and preparing for your summer vacation, however, we are encouraged to keep our destination in mind.

No matter what your vacation destination is, you will need to take the time of year and the climate conditions at that time into consideration. If you are visiting a tropical location, you will need to bring along the appropriate clothing. Bathing suits, shorts, t-shirts, and tank tops are common appeal found at beaches and aboard cruise ships. While you may be expecting warm and sunny weather, it is still advised that you prepare for the worst. Raincoats and an umbrella may be a great addition to your summer clothing.

Need a very good example of this? What if due to a miscalculation or a mistake in planning, you ended up at your tropical destination during their “rainy” season!!!

No matter where you are traveling to, overseas or even in your own country, I would encourage you to always have the proper forms of identification. For example, living here in Spain, we are obliged by law to always carry proof of identification which may be an id card or passport. Although this is not the case in all countries, it really isn’t worth neglecting this.

Part of our planning and preparation for our summer vacation is considering all possible eventualities. So, I would strongly encourage everyone to have the following documentary proof with them while traveling…

  • Passport
  • Driving Licence
  • Health Insurance
  • Car Insurance
  • Car Rental Agreement which may include the car insurance

For many the most popular summer vacation destinations, especially in southern Europe, are the coastal regions and the beaches. Each year millions of individuals and families flock to beaches. If you are spending your summer vacation at the beach, or you know that a great deal of time will be spent there, it is important that you bring along the appropriate clothing and sunscreen.

Believe me, I know from observing painful experiences that many of us still do not realize the dangers of sunbathing or just being out in the sun without sunscreen. The worst is when I have seen young children having a great time in the pool during the hot summer months here in southern Spain. I have then seen them the following day with painful looking blisters and sores because they had not used sunscreen or enough of it.

Always have sunscreen and plenty of it. In addition to sunscreen, you will need to make sure that you have beach towels and plenty of water or liquids on hand.

Cruises are becoming more popular as a summer vacation choice for many individuals and families who are looking for something different. If you are taking a cruise, you are advised to start preparing for your trip as soon as you book your reservation. Unlike many other vacations, a cruise often requires a larger amount of planning and preparation.

When preparing for your cruise, it is important to keep in mind where your ship will be going and what stops are planned as part of the itinerary. When on international waters or traveling to a foreign country, a passport is required.

Please don’t make the mistake of leaving this too late if you do not have a passport. Each country has its own process for receiving and approving applications. Make sure you know what to do in yours.

I have not only seen the disappointment of people who have had to cancel their vacation and lose money, I have also seen all kinds of problems arise mid vacation when passports expire. Don’t take the risk.

We all have our favorite things we take on vacation. This can range from tooth paste and soap to washing detergents. People take all sorts of things with them – just in case.

For the most part, if you forget to bring along certain supplies you can always find and purchase replacements. The only downside to purchasing what you need at your vacation destination may be the price. Popular vacation destinations may have inflated prices. Others will surprise you at how inexpensive your favorite brand is.

With the recent increase in airport security and new travel restrictions, we may all need to accept that we will need to wait until we get to our destination before buying certain products. Part of our planning and preparation is to check what we can and cannot take in our luggage.

There’s a final point I wish to make about summer vacation or any vacation preparation. We all need to make sure that we can make contact and be contacted by others.

Make sure you have the details of all the important contacts you may need at a given time. This may be family or friends. It may be your country’s consulate or your car rental company. The point is, just think how much easier it will be if you have the details at hand.

Equally, develop an itinerary and give copies of your travel plans to those that need to know so that they can contact you should the need arise.

I cannot over emphasize how important the preparation for your summer vacation is. To some, preparing for their vacation may seem a daunting task. To others, it may seem unnecessary or even boring.

How ever you may regard preparing for travel or vacations, please ensure you follow the tips suggested as well as any others you can think of.

Are you bored with the same summer vacation routine? Struggling to find that vacation of a lifetime? Then open your mind to the unique possibilities by visiting qdmarbella.com below. You will be delighted by the choice and the great comments made by clients from North America and other countries.