And Knowing Youll Know About It Should Serve As A Deterrent, Particularly If Any Breach Of Rules Is Coupled With Removal Of Driving Privileges.
 Case in point, the faulty ignition switch thats probably going to cost GM $1.3 billion in recall repairs,  not to mention settlements and judgments for lawsuits resulting from death and injury attributed to the problem. Who Does the Testing? Pretty much everything insurance companies do is based on statistics, probabilities and test results. When it comes to deciding which cars are safer to insure, they rely on standards set by two testing agencies: Insurance Institute for Highway Safety (IIHS), a non-profit organization, and the aforementioned NHTSA. IIHS rates cars from Good to Poor. For the past 22 years, IIHS has done the testing in their own facility, rating a broad spectrum of makes and models. According to their website, IIHS tests evaluate two aspects of safety: crashworthiness — how well a vehicle protects its occupants in a crash — and crash avoidance and mitigation — technology that can prevent a crash or lessen its severity.  IIHS buys the test vehicles from dealers, using their own crash testing budget. They note in on their websites FAQ page, however, that if a test isnt part of their regular schedule, but is specially requested by the manufacturer, then the manufacture reimburses them for the vehicle purchase. NHTSA uses Five-Star Safety Ratings, which assign stars based on crashworthiness and rollover safety by model, class and manufacturer so consumers can make comparisons based on unbiased data. Unlike IIHS, NHTSA testing is selective and based on, a sample of new vehicles predicted to have high sales volume or vehicles that have been structurally redesigned.  Like IIHS, vehicles tested are purchased by NHTSA from dealerships across the nation; they are not supplied to NHTSA by the manufacturer. NHTSA also makes a distinction between older and newer vehicles. Safety ratings for 2011 and newer vehicles should not be compared to ratings for 1990-2010 models since NHTSA introduced more stringent tests and new 5-Star Safety Ratings starting with 2011 models. Overall vehicle score and frontal crash ratings (in model years 2011 and newer) should ONLY be compared to other vehicles of similar size and weight.  How Do Insurance Companies Evaluate the Results? Overall, the ratings from both agencies are based on which vehicles meet or exceed factors that determine a driver/passengers likelihood to be killed or severely injured under a variety of crash conditions.
Visit http://www.einsurance.com/journal/how-safety-ratings-affect-what-you-pay-for-car-insurance/ for the full article and image and or video attribution
More About Business Insurance
Overreaction: Jaguars should go hurry-up all the time on offense – Jacksonville Jaguars Blog – ESPN
Slow down: Using two punt returners, while Bradley admits was unusual, does make some sense. The Jaguars use Walters around the 10-yard lie because they are more comfortable with his experience and judgement in terms of making a fair catch or letting the ball bounce and hopefully go into the end zone. Marshall has a better chance for making a big play, and thats what the Jaguars were hoping for late against the Jets. He took his eyes off the ball for too long to check the space around him and muffed the ball. This dual-returner approach will last only another week anyway because Rashad Greene returns from his hand injury on Nov. 19 against Tennessee. The Jaguars dont want Denard Robinson involved on offense. Last week coach Gus Bradley said the offensive staff talked about Robinson being more involved on offense after he didnt get a single carry against Buffalo: We have to find a way to get him the ball. However, he played only eight snaps on offense. He carried the ball once for 2 yards and was targeted once in the passing game That doesnt look like the Jaguars were trying to get him the ball. Slow down: Robinsons problem is that rookie T.J.
for article and image and or video attribution, visit http://espn.go.com/blog/jacksonville-jaguars/post/_/id/15422/overreaction-jaguars-should-go-hurry-up-all-the-time-on-offense
Home Improvement Information That You Must Know!
A lot of people are afraid of doing home improvement projects on their own. They worry that such work is dusty, costly and a real time drain. If you take the time to become educated about the process prior to starting, you can reduce the fears you have. There are many tips and techniques that will make home improvement projects easy. Use these tips to make sure your next DIY project is a success.
When you are painting, remember to put down plastic to protect the floors. Taking this precaution will save you from wet paint staining carpets or floors. Layers of old newspapers can take care of this protection with minimal cost. You can also use a paint cloth or plastic sheet to shield your floor from paint.
When it comes to home improvement projects, you need to have the right tools. The right tools ensure the job is done right and done well. Knowing how to properly use the tools is important too.
Fun is essential to home improvement. Although it’s important that you are careful and serious when doing your work, it is also vital that you have a great time doing it. If you are not enjoying yourself, you will make some mistakes. Consider hiring a professional if you feel that this is happening to you.
Make sure you have a good place for all leftover debris when you start your next big home improvement project. Getting rid of all that debris can be a big expense, so it is critical that you plan ahead in order to economize and avoid delays with regard to your project.
Make sure that you seal cracks in your home to eliminate infestation of bugs. Use caulk to seal up window frames, baseboards and any other areas where you see gaps. This will not only keep the bugs out but will also take care of any drafts you have in your home.
Remove or secure the extra cord or loops on your window blinds. You can avoid a disaster by a child or pet becoming tangled in them and potentially strangling. Just make sure to keep enough on the end so you can work the blinds properly. By removing it you are preventing a potential accident before it occurs.
Proper preparation and planning will make your project a breeze. These tips will keep you under your budget, and you’ll be more organized. A little self-education on the subject of home improvement can conquer a homeowner’s fears and guide him or her, through projects that make the home more beautiful, more useful and more valuable.
Term Premium Rates Increase In Increments, Every 10 Years For Example.
Islamic State has claimed responsibility for Friday’s suicide bombings and shootings, which have re-ignited a row over Europe’s refugee crisis and drawn calls to block a huge influx of Muslim asylum-seekers. French police have launched an interna via Business News Headlines – Yahoo News UK By Jan Strupczewski BRUSSELS (Reuters) – Greece and its euro zone creditors have reached a deal on many, but not all, issues in the programme that Athens is implementing in return for loans, the head of euro zone finance ministers Jeroen Dijsselbloem said on Sunday. “I welcome that good progress has been made between the Greek authorities and the institutions in the discussions on the measures included in the first set of milestones and on the financial sector measures that are essential for a s via Business News Headlines – Yahoo News UK The European Central Bank will decide in early December whether to loosen monetary policy further and will contemplate long-term trends rather than short-term indicators, Executive Board member Yves Mersch told the French newspaper Les Echos on Sunday. “Inflation is expected to rise again at the beginning of next year owing to base effects on energy prices,” Mersch said. Mersch said cutting the deposit rate further into negative territory was a possibility, with both negative and positive conseq via Business News Headlines – Yahoo News UK By Marcelo Teixeira SAO PAULO (Reuters) – Nico Rosberg won the Brazilian Formula One Grand Prix for the second year in a row on Sunday and denied Mercedes team mate Lewis Hamilton a first success in the homeland of his late hero Ayrton Senna. Triple champion Hamilton, who has now failed in nine attempts to win in Brazil, finished 7.756 seconds behind for Mercedes’s 11th one-two in 18 races so far this season. Ferrari’s Sebastian Vettel finished third for his 79th podium finish. via Business News Headlines – Yahoo News UK By Christopher McCall, Hideyuki Sano and Lionel Laurent SYDNEY/TOKYO/PARIS (Reuters) – Global stocks are set for a short-term sell-off on Monday after Islamist militants launched coordinated attacks across Paris that killed 129 people, but few strategists expect a prolonged economic impact or change in prevailing market directions. If anything, any initial damage to economic confidence, tourism and trade within Europe will likely reinforce the European Central Bank’s resolve to ease monetary pol via Business News Headlines – Yahoo News UK By Laila Kearney NEW YORK (Reuters) – CBS rescheduled two episodes of “Supergirl” and “NCIS Los Angeles” in deference to sensitivities arising from Friday’s deadly attacks in Paris, the network said on Sunday, one of several gestures of respect made by the entertainment industry. “NCIS Los Angeles,” a law enforcement drama, had been scheduled to air an episode on Monday about women recruited by extremist organizations. CBS was not alone in modifying its plans to honor Paris victims. via Business News Headlines – Yahoo News UK Roger Federer recovered from a sloppy start to outclass Czech Tomas Berdych 6-4 6-2 as he began his 14th consecutive ATP Tour Finals appearance in impressive fashion on Sunday.
visit http://www.newslocker.com/en-uk/news/business/gold-remains-the-best-insurance-for-a-crisis/ for write-up and picture and also or video clip attribution