Great Advice On Smart Programs Of Business Insurance

Certain Carriers Have Access To Your States Records To Verify Your Traffic And Accident History.

House Bill 99 would ban all text messaging while driving and Senate Bill 35 would prohibit use of handheld communications while driving (hands-free would not be affected). Ohio drivers and people passing through the Buckeye State should be aware that several municipalities have passed bills banning texting including Toledo, Columbus and Zanesville. Michigan It hadnt yet passed as of this post, but House Bill 4936 seeks to change Michigans no-fault auto insurance law. Instead of having unlimited medical care after a car accident, drivers in the Great Lakes State could opt for car insurance policies with $500,000, $1 million or $5 million in bodily injury coverage, and payments to health care providers would also be capped.Michigan is currently the only state that provides unlimited, lifetime medical care to people who are catastrophically injured in car accidents. Michigan drivers also pay one of the highest average car insurance rates in the nation. Georgia Who knew that Georgia made 90% of Americas golf carts, or that so many Georgia drivers use the low-cost vehicles in lieu of cars? Georgia lawmakers, apparently. Concerned about the potential for injury, theyve passed a new law that creates a separate classification for golf carts and sets new standards for towns and counties that want to pass ordinances allowing drivers to use golf carts on city streets and multi-purpose pathways. Beginning New Years Day, all golf carts must have braking systems, reverse warning devices, tail lights, horns and hip restraints. A carts weight cant exceed 1,375 pounds or exceed 20mph top speed, and they now must be registered as personal transportation vehicles with the Georgia DMV. North Carolina Lauras Law goes into effect today. Named for the 17-year-old victim of a drunk driver, the law requires that repeat DUI offenders whose cases have other aggravating factors receive a minimum one- to three-year prison term and fines up to $10,000.

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This Insurance Also Covers Medical Expenses Too For The Parties Involved In The Accident, Regardless Of Who Is To Blame For It.

The normal process is for your insurer to request your medical details (with your permission), however this has become difficult and has led to so many delays that many insurers are now suggesting that you request your own medical details using data protection legislation. Under the data protection act, any organisation which holds information on you (personal, medical or otherwise) must provide you with all the information they hold within 40 calendar days should you request it. This is known as a subject access request (SAR) and under the act they can charge you a fee of up to A10 for this service (or in rare cases up to A50 if files are paper based). Failure of an organisation to comply with a SAR brings serious consequences, and can lead to criminal prosecution. If your insurer requests a SAR you do not have to agree, however doing so could speed up your application and ensure that you do not have to wait an excessive amount of time before you are covered. If you are unfamiliar with the potential problem, some of our clients have experienced delays of up to 3-6 months caused solely by the failure of their GP to provide medical records. The implications of being off cover could be dramatic, but this common pitfall can be avoided by applying for cover with an insurer that offers ‘free cover’. In this case, ‘free’ refers not to the monetary cost, but to the lack of underwriting required and usually means that you will be protected whilst your application is being underwritten. It is important to understand the specific terms of any free cover being offered, and your broker should be pleased to explain these to you. The increase in the use of SARs in life insurance applications may be the catalyst needed for GPs to improve their administrative service (since the fee under the SAR is just a fraction of what they would normally charge your insurer), and with any luck should lead to positive developments looking forwards. For assistance with your life insurance application, please feel free to visit hedgelandsmortgages.co.uk, a mortgage broker and financial advisor based in Devon. No Implied Endorsement: First-class portal does not endorse or recommend any article on this site or any product, service or information found within said articles.

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Outlines For Programs In Business Insurance

Exactly What Coverage You Must Carry And How Much Will Depend On The Laws Of Your Individual State.

Some of these changes are positive, but some could be mean higher auto insurance rates. Changes to Texas Car Insurance Laws Will Benefit Drivers All Over the Lone Star State Texas is one of Americas most populous states, and also home to millions of drivers, and new Texas car insurance laws will change some insurance company practices. Two new laws for 2014 will help Texas drivers better understand their policies and lower their rates. One law restricts so-called name only policies. These low-rate auto policies only cover the driver named on the policy, not friends or family members who drive the policyholders car. The new law calls for insurers to notify policyholders both orally and in writing exactly who is covered by the policy, and the policyholder must in turn confirm the disclosure in writing. The law is intended to improve transparency between insurers and policyholders. It does not ban name only policies outright. Another new Texas law protects policyholders from higher rates based merely on questions a driver may ask an insurer.

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Vasquez-USA TODAY Sports Feb 1, 2016; La Jolla, CA, USA; K.J.

While many small businesses were aware the change was coming, those who weren’t planning for it are going to get hit with a lot of new compliance requirements. “The Affordable Care Act was written by lawyers and has enormous complexity and lacks transparency,” says Eric Groves, Chief Executive of Alignable, the marketplace to connect small businesses and consumers. “It’s difficult to understand, so small business owners are worried about compliance.” Under the employer mandate for 2016, small business owners have to offer health insurance for employees considered full time, but what constitutes full time can be confusing to business owners. That’s because in order to be considered full time, the worker has to average at least 30 hours a week in a month or work 130 hours in one calendar month. That means a small business owner has to calculate hours just to figure out if the company has to offer insurance. And that doesn’t even touch upon all the documentation and notifications required to stay compliant with the Affordable Care Act. Some of the regulations include required reporting about the health insurance marketplace to employees, a 90-day maximum waiting period to offer new employees health insurance and providing employees with a “Summary of Benefits and Coverage” form. Not to mention reporting back to the government on health coverage of employees. Compliance Requirements Could Increase Audits But staying compliant in terms of informing and reporting about health care coverage isn’t only going to be a headache. Do it wrong, and the business could face a time-consuming and costly audit. “Employers are seeing more audits because they are not disclosing appropriately or maintaining documentation,” says Steve Jackson, senior vice president of strategic development and channel sales at PrimePay, the West Chester, Pennsylvania, payroll services company.

go to http://health.usnews.com/health-news/health-insurance/articles/2016-01-06/aca-changes-more-small-business-owners-to-offer-coverage-face-increased-compliance for full article

A Few Guidelines On Swift Plans Of Car Insurance

But Employers And HR Departments Arent The Only People Scanning Social Media Sites For Personal Data.

Drive without proof of car insurance and current tags, and youre looking at hefty fines, maybe even suspension of your license, traffic school and other time- and money-sucking penalties. So, actually you dont want to fail your smog check, but knowing the many ways that you could fail should help you pass it. Who Needs a Smog Check? Every state has its own laws regarding smog check requirements. Often, theyre based on the age of your vehicles. In some cases, it depends on where you reside within the state (usually by county) or your residency status. Seventeen states have no requirement. Some require annual checks, others, every two years. And some states waive the requirement for really old cars. If you arent sure, check with your states Department of Motor Vehicles. What Are They Checking?

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9/11 bomb plot suspect had history of mental illness | TBO.com and The Tampa Tribune

Since Friday, the former police officer has spent the last two nights at Alice Boito and John Boito’s home. You cant get a bigger blessing than this, Powers said. The Boitos, a local military family, first saw Powers’ story Friday evening on Action News Jax . Powers’ story inspired the Boitos to drive to the airport and offer their home to the complete stranger. For Action News on the go, sign up for Action News Mobile & Email alerts. Since Friday, they’ve cooked together and kept an eye on the changing flights. Its been great. We made a new friend, Alice Boito said. Its been fun, John Boito said. Its a friendship forged from snow and Southern hospitality. Powers got to zip his bag around noon Sunday to fly out.

for article and image and or video attribution, visit http://www.actionnewsjax.com/news/news/local/stranded-traveler-jacksonville-family-say-goodbye-/nqBhh/

Home Improvements: Make The Most Of Them!

There is a lot of advice out there to help people with their home improvment projects. You can find information online or at your local hardware store. This article will give you some wonderful advice on how you can do your renovations the correct way.

Think about inserting solar panels on your home. Don’t be scared off by the initial cost. Over time, you will make back your initial investment, which can be a big plus considering rising electricity costs. This should help you save a lot on your energy bills. This is a great, natural method for providing power to your home.

Even if certain home improvement supplies look like a great deal, you should do some comparison shopping before you buy them. Placing down new flooring could be costly. That is why you need to compare different prices in order to save money. You can enlist the help of bargain basements and discount supply houses.

You can use wallpaper to decorate a bookcase to make it look more appealing. Make sure it has an interesting design. Paper the back of the bookcase with the wallpaper, and then you’ll be able to see it behind the books. Voila! You’ve got a quaint, one of a kind centerpiece to your room!

Visit open houses or model homes to get some ideas about your home improvement projects. This will show you what others are doing in modern decor. Many homes like this get a decorator to do furniture and window treatments to complete the look, so you are able to recreate the looks you like most and not have to make a lot of mistakes when you do your house.

The tools of the trade for a great home improvement project are now in your hands. There is lots of information out there on this subject, and now it’s up to you to decide how you are going to apply it to your project. With all of this in mind, it is now time to create your goals, hone your techniques and create that home you have dreamed of.

Ideas On Logical Business Insurance Solutions

Your Lines Of Defense Were Simple: Use A Steering Wheel Locking Device, Lock Your Car And Hope For The Best.

A similar accident in 2008 took four lives and injured 38 on I-4 between Orlando and Tampa in 2008. But deadly fog isnt confined to the Sunshine State. Fog, which comes in many different forms, happens throughout the U.S., at various times of the year. Knowing the danger fog presents and the proper way to drive in can not only save money on car insurance, it can save your life. There are over 6.3 million vehicle crashes every year according to National Highway Traffic Safety Administration (NHTSA) data. About 1.5 million are weather-related, and fog accounts for 38,000 of them (about 3%), annually killing about 600 people and injuring 15,600. Fog wreaks a lot of other havoc, too, by creating travel delays and increasing operating and maintenance costs on public roads. Types of Fog Radiation fog is formed when the heat absorbed by the earth during the day is radiated into space, usually after sunset. As the earths surface cools, it can create 100% humidity near the ground and a stationary blanket of fog anywhere from 3 feet to 1,000 feet deep. Radiation fog is most prevalent in autumn and early winter. Valley fog , a kind of radiation fog common in the mountain valleys of eastern Kentucky and Californias Central Valley, where its often called tule fog, is most common during winter months. This type of fog tends to dissipate quickly once the sun rises and burns it off. At its thickest, visibility can be reduced to zero.

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Police: Officer injured after car runs red light, strikes cruiser

Augustine Road in Jacksonville Saturday night, authorities said. Post to Facebook Police: Officer injured after car runs red light, strikes cruiser JACKSONVILLE, Fla. A police officer was injured after a traffic crash at the intersection of Interstate 95 and Old St. Augustine Road in Jacksonville Saturday night, authorities said. Check out this story on firstcoastnews.com: http://fcnews.tv/1UZr5xK CancelSend A link has been sent to your friend’s email address. Posted! A link has been posted to your Facebook feed. Join the Conversation To find out more about Facebook commenting please read the Conversation Guidelines and FAQs Police: Officer injured after car runs red light, strikes cruiser 10:20 a.m. EST January 17, 2016 An officer was transported to Baptist South after complaining of arm, leg and back pain, police said. (Photo: FCN) CONNECT TWEET LINKEDIN COMMENTEMAILMORE JACKSONVILLE, Fla. A police officer was injured after a traffic crash at the intersection of Interstate 95 and Old St. Augustine Road in Jacksonville Saturday night, authorities said. A witness on the scene said a car ran the red light and struck the cruiser, the Jacksonville Sheriff’s Office said. The officer was reportedly taken to Baptist South saying he had leg, arm and back pain. Traffic Homicide took control of the investigation, which is standard procedure after an accident involving a JSO officer.

for article and image and or video attribution, visit http://www.firstcoastnews.com/story/news/local/2016/01/17/police-officer-injured-after-car-runs-red-light-strikes-cruiser/78930512/

Tricks On How To Efficiently Improve Your House

Improving your home is an essential part of home ownership. Although you may be frustrated by the results you have had in the past, this article is meant to guide you through the home improvement process with helpful tips and advice.

Buying new furniture can be very costly. Add a little extra flare to any apartment or room by shopping at local stores and thrift-markets that offer killer deals. There may be hidden treasure among the used wares. You may have to clean them up a bit, but it’s worth the time you take.

Dust all your accessories at least one time every week. It only takes a few days for dust to accumulate and for allergens to wreak havoc in your life. Cleaning not only rids your surfaces of dust, but it helps to keep pests like spiders, fleas and ants in check.

Do not allow any work to be done on your home without a proper contract. You should consider having a friend or a lawyer look over your contract if possible. This contract should clearly outline the starting and finishing dates, any warranty information that is applicable, the exact work that will be done and the total sum for labor and materials.

If you are remodeling your tile floors, think about using radiant heat tiles. These tiles give heat by using electricity and can be very breathtaking. You can do this yourself if you follow the instructions. The small cost and the simplicity makes it something to seriously consider as part of your next home improvement. These tiles will make a real difference in your bathroom and will help you save on heating.

Try adding some solar panels to the outside of your home for a home improvement project. Although it may be expensive to install the panels, your electricity savings will make your investment more than worthwhile. In addition to the power you use right away, you can store extra or sell it back to the electric company to maximize your savings. This all-natural solution for energy in your home is amazing.

For an affordable way make your bathrooms look better, try purchasing metal fixtures. You can find a wide variety of shapes, colors and finishes in accessory fixtures like towel racks, cabinet pulls and shower rods. There are sometimes packages available that can be put up in one day.

Some homeowners are reluctant to try new ideas for home improvement. Try to approach projects with baby steps while keeping your mind open to new ideas. You can do anything anyone else can do when it comes to home improvement. Start planning your next project now, using the tips you have just read.

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New Ideas On Smart Systems Of Car Insurance

All Good Things For The Insurance Industry.

Uninsured and Underinsured Motorist. There are plenty of people driving around out there who dont bother to carry adequate or any insurance. UI/UIM will pay your medical bills, lost wages and other damages in the event youre involved in an accident with such a person. Depending on your specific coverage, your UI/UIM may also take care of property damage including your bike. [2] Personal Injury Protection. Also called PIP or no-fault insurance, this is required for passenger vehicles by a few states, but no-fault laws dont always apply to motorcycles, and some states may even restrict motorcycle insurance companies from selling it to you. If you can buy it, it will typically cover injuries to you or a passenger, regardless of who caused an accident. It generally pays accident-related medical expenses including lost wages and funeral costs up to your policys limit. It wont pay for damages you cause to other drivers. [3] Other Optional Coverages There are a number of specialty insurance options, including coverage for customized bikes and bikes 25 years and older. Some optional coverages include higher limits on your state-mandated coverages, guest passenger liability, supplemental uninsured motorist (SUM), optional basic economic loss, towing and labor costs, and customer parts and equipment. Keep an eye out, too, for usage-based policies specifically for motorcycles. Also called Pay-As-You-Drive, they were being tested by Canadian Baseline Telematics in 2013.

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Jacksonville Journey funding plan likely coming this month

However, raw data from an organization doesnt always tell the complete story of how individuals are fully served. Despite having more questions than answers, Stewart said NLP Logixs work has been significant enough that the administration plans to make recommendations to the Journey Oversight Committee at its Jan. 28 meeting. There is no draft report and recommendations havent been solidified, she said. However, Stewart said some of the more helpful information to this point shows re-entry and at-risk youth programs could be in line for funding. Which individual programs might receive money is too early to say, she said. Current programs that could be in line for additional money would receive it after City Council approval. Any new programs would need to be bid out. Journey analysis doesnt end with the recommendations, though. NLP Logix in February will continue to review the programs to find more efficient ways to measure successes.

for article and image and or video attribution, visit http://www.jaxdailyrecord.com/showstory.php?Story_id=546854

From One Handyman To Another – Here Are Some Quick Tips

Are you going to be doing your first home improvement project? It’s likely you’re feeling somewhat lost. With the right information, even first timers can tackle some pretty impressive home-improvement jobs. By following the home improvement tips presented here, you will have an easy time of it.

If you use drywall mud to texture your walls, it can improve their appearance and disguise blemishes. Adding texture to your walls can be so simple. Apply drywall mud and, using a brush or a sponge, add some texture to the mud.

Use a sponge to help install drywall. You should use a sponge rather than sand. It will take some practice to learn this new technique, but you’ll get it. It also doesn’t make your room fill with dust.

Give vinyl flooring a shot to get rid of any bubbles. Just cut it with a knife and let the air out. The bubble will collapse in the short term. However, you will have to insert some new glue to set the fixed section onto the floor. You can find glue that is specially sold in a syringe to make this job as easy as possible.

Take a sample of the nut or bolt that is in each of your storage containers and hot glue it to the top. No matter how organized your shop is, it always seems the one item of equipment or hardware you seek is nowhere to be found. Written labels do not as easily convey the contents of a container like the actual hardware itself.

Safety first! If your windows are covered with blinds, you should always tie or snip the cords. It is possible for kids and pets to get tangled in long cords and strangle. Allow only enough cord to properly manipulate the blinds. Simple safety fixes like this one are free, fast and may even save a life.

Try to make room in your budget for natural building materials. They provide great value and good looks, too. They are also much better looking, and also longer lasting. Choosing natural materials over synthetics can prove more cost effective as synthetics will need replacement more frequently.

The article you just read demonstrates that home improvement isn’t quite as daunting as it appears at first blush. When you consider the many benefits of improving your home, such as an updated look and added home value, you will see that it was well worth the effort!

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Tips For 2015 On Choosing Vital Criteria Of Business Insurance

Most Of It Is Never Recovered.

Your marital status has changed. There are all kinds of reasons to cancel or switch your car insurance. Theres also a right way do it. Not knowing it can cost you money or even put you on the wrong side of the law. Here are some things to keep in mind. First of all, you can cancel or switch your car insurance policy whenever you want. You dont have to wait for the expiration date or a renewal notice. Most insurance policies do require that you give them notice of your intent to cancel. While many policies allow you to cancel by phone, its always a good idea to confirm your intention in writing (and keep a copy of the letter for your files).

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FSU’s Walker returning for senior season

Top Local Stories By Brian Jackson – Sports reporter Posted: 2:38 PM, January 08, 2016 Updated: 2:38 PM, January 08, 2016 JACKSONVILLE, Fla. – Florida State defensive end DeMarcus Walker announced on Friday that he will return to Tallahassee for his senior season in 2016. In his first season as a starter Walker became the first FSU player to record double digit sacs (10.5) since 2012. The 63 281-pounder also had 12.5 tackles for loss, six pass deflections and an interception. Walker, who attended Sandalwood High School here in Jacksonville, couldve joined fellow FSU teammates cornerback Jalen Ramsey and kicker Roberto Aguayo as early entries into the NFL draft. After talking with my family and Coach Fisher I have decided to return to Florida State for my senior year, Walker said. I made great strides during my junior season and I hope to carry that on to my senior year. I want to end my career here like I started it in 2013 and with the team we having returning I feel we have the opportunity to have a really special season. I look forward to providing leadership to help this team continue to grow and succeed. Returning for a senior season could boost Walkers draft profile for 2017. The 2016 draft is loaded at his position. As many as 13-17 defensive ends are projected to be selected in the first three rounds of most mock drafts. Im very excited that DeMarcus is going to return for his senior season, Florida State head coach Jimbo Fisher said. This is a great decision for DeMarcus because as he continues to develop, he can become one of the best players in college football. He had an outstanding season for us this past year and is a tremendous leader. We are thrilled that he is returning to Florida State. Copyright 2016 by WJXT News4Jax – All rights reserved.

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Follow These Home Improvement Tips For Your Home

You don’t have to spend a lot of time or money to do some home improvement. New window dressings, replacing flooring or making simple repairs can make a home feel fresh and inviting. Keep reading this article to learn of ways to make your home as attractive as possible.

As you tackle home improvements, be mindful to observe your surroundings, making sure to do just those projects that are sensible. Avoid nonsensical or questionable improvements like leaving a sun room in a cold climate uninsulated. This will make your home much more difficult to sell. Do what is desired, but don’t go beyond your immediate climate needs.

If you do find leaks beneath the sink or the faucet, avoid fixing it yourself. You can collect the water while you are waiting.

Anyone who owns a home can fix their own faucets which leak. You will lessen your water usage if you fix them right away. This can keep you within even a tight budget.

Attaching PVC pipes to each another is easy, and requires just a bit of PVC primer and cement. You must use these exact products. Other types of products will not work with PVC pipe, and leaking may result. In addition, make sure there’s no moisture on the pipes.

If you seal any openings and cracks in your home, you will be able to keep vermin out and heat and cool in. Use caulk around windows, as well as in other places. Once the caulk is dry, bugs have a much more difficult time getting inside, and the air doesn’t escape as easy.

No matter what you have in mind for your home, you can do so without spending a lot of money. Make sure to get creative when improving your home. Keep the above tips in mind as you plan your home renovation projects.

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Top Information For 2015 On Simple Car Insurance Tactics

The Greater The Risk The More Insurance Will Cost.

If you have assets worth protecting, umbrella insurance can cover the gaps in your basic homeowners insurance and auto insurance policies. Personal umbrella insurance (also called gap insurance) provides an extra cushion of coverage that takes up the slack between where your homeowners or auto insurance caps and the additional expenses you might incur such as medical payments, property damage, court costs and similar charges. Typical umbrella coverage starts at $1 million, but you can buy up to $10 million in coverage. Usually, umbrella insurance is purchased as an add-on to an existing policy. Insurers may require that you have a minimum amount of coverage on your home or auto (or both) before theyll sell you an umbrella policy. Before you buy umbrella insurance, make sure you need it. Analyze your exposure to risk. What is the likelihood of someone being injured on your property? Theyre higher than normal if you own a dog or have swimming pool, for example. Do you own valuable assets like a home, savings account, stocks or other items that would be at risk if you were sued and your insurance didnt cover all the loss or damage? If you answered yes to either question, youre a good candidate for umbrella insurance. You should expect to pay a higher premium (for example an additional $150 per year for $1 million gap policy), but you can lessen the impact with a higher deductibles on your basic home or auto policy. You can also take advantage of money-saving discounts such as using the same insurer for all your policies. You should also compare various policies to see if switching to another company for your basic policies and umbrella coverage makes sense. Be sure you get the coverage you need.

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