Protect Your Investment With The RIGHT Auto Insurance Policy

Buying the right insurance for your car is essential to prevent financial difficulties when an accident occurs. The article below will describe how to ask the right questions from your broker or agent, what coverage to buy and how to avoid duplicate coverage. Read the article and ask the right questions from your insurance professional.
Auto insurance for young drivers is very costly. You can save some money by choosing the right kind of car for your teenager to drive. If you allow your teen to drive the Mustang, prepare to pay through the roof. If, on the other hand, you restrict your teen to the most “beater”-like car you own, your premiums will be notably lower.

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Auto Insurance

To save money on car insurance, consider raising your deductible. You’ll need to be able to pay for some repairs out of pocket, but if you’re comfortable doing so, you can see significant savings by raising your deductible from $250 to $500, and even more if you go to a $1000 deductible.
Check out your actual insurance costs before heading to the car dealership. Different types of cars carry different premium amounts. Check with your agent on the types and models of cars you are looking at to see which one makes the most financial sense. Being armed with this information at the car lot, will help you make a better deal.
With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father.
Before signing up for an insurance, you should carefully go over the policy. Pay a professional to explain it to you, if you need to. You must know what you will be covered for, in order to assess if you will be getting your money’s worth. If the policy seems written in such a way that does not make it accessible, your insurance company might be trying to hide something.
Be a safe driver. This one might seem simple, but it is very important. Safer drivers have lower premiums. The longer you remain a safe driver, the better the deals are that you will get on your car insurance. Driving safe is also, obviously, a lot better than the alternative.car coverage
Part of the cost of your auto insurance is based on where you live. In particular, people who live in urban areas, generally pay a significant amount more for their auto insurance than people who live in rural areas. If you live and work in a city, you might want to consider trying to find a place in a rural area, from where you can feasibly commute to work.
If you get in an accident, auto insurance will be a lifesaver. Making sure that you have the right coverage will ensure that everything is covered when you are in a difficult situation. Make use of the advice given in this article to get the coverage that’s right for you now.

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The Right Website Design Makes A Big Difference

Just think for a moment: would you want to eat in a restaurant which used dirty pots, where there were dirty dishes left in a massive pile in the corner, and where the napkins were soiled and stained? You would probably take one look at the woeful condition of the place and simply beat a hasty retreat back out the entrance. In other words, the outlay and presentation of the building is what deterred you from relying upon it, and so because the first impression failed miserably, this meant that you were not interested in pursuing the relationship any further.graphic design - web design

This is significant because the actual physical design and layout of your website will go a long way towards either impressing or irritating the people who visit your website. If your website happens to feature a whole host of dead links, URLs which take them to websites with offensive/adult content, and contains intrusive as well as extremely obnoxious sound effects which cannot be turned off then it is extremely likely that the customer will simply click and leave your site.

It does not matter how informative your website happens to be, or how wonderful an impact it may have on the quality of their life, in short, if you do not make a positive and solid first impression then you will be on a hiding to nothing.

So far, we have relied upon obviously extremely poor design in order to more readily and effectively convey the message we are trying to get across but the simple truth of the matter is that even an inoffensive website, i.e. one that is generic and bland may also fail to entice the customer and simply force them to click the close button.

A common problem is that many novice webmasters end up over relying upon one of two different extremes. Either they go out of their way to ensure that their website is as user friendly and as easy to use as possible, to the detriment of any sort of SEO work or any alteration of the code. A considerable amount of time is invested in the cosmetic aspects of the website, such as the header, the site graphics, and the methods used for navigating through the various pages.graphic design

The other side of the coin is whereby the novice webmaster ends up focusing solely on the nuts and bolts of the site, i.e. going to considerable lengths to ensure that the bricks of the website are working properly and have been duly optimized in order to make sure that they are indeed working as they should. So many novices end up succumbing to the “either or” mentality and this form of apartheid is neither healthy nor productive.

Oftentimes, it is not a result of laziness on the part of the novice webmaster, but rather, they are trying to play to their strengths. Many webmasters have at least a minor amount of experience in either of these two extremes and upon realizing how little they know of the other topic, they try and compensate for this by working zealously away at the topic that they are proficient with.

The problem with this approach is that SEO Web Design requires a balance to be struck between both the coding as well as the marketing aspect of the website and so you need to tick all the right boxes to get a final and happy conclusion.

Put rather simply: people who are graphic wizards often struggle to wrap their heads around the logic of coding, and those who are programming masters will often find it hard to exercise their creativity beyond a compiler and server.

At
SEO Services Dubai (SSD), we are only all too aware of the different requirements of a website, as well as what a site needs in order for it to attract customers on a routine basis. We rely upon a very diverse team with a wide range of skills and qualifications the better by which we can safely guarantee that our clients will be able to find the right person for the requirements that they have. We do not believe in settling for second best, relying upon jaded solutions or simply providing an inferior level of service for any of our customers. We aim to provide only the very best, and that is why so many customers have left extremely satisfied with our commitment to them. Find more information here

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Advantages to Incorporating

There’s no question that hard work and a little luck is what it takes to BE successful. But a little knowledge, especially when it comes to setting up your business, will help you STAY successful.

While many business owners give a lot of thought to location, store décor, customer service, hiring employees and management issues (and rightly so); choosing the proper business structure (such as sole proprietor, partnership, corporation, limited liability company) doesn’t get the attention it deserves. Many entrepreneurs don’t realize this, but the business form they choose can often times be the difference between success and failure, especially in today’s competitive and litigious marketplace. If you want to succeed, you need all the advantages you can get. High on the list of safe bets is the corporate form of business. business law

Incorporating, while definitely not for everybody, offers several distinct and money-saving advantages over the other types of entities. Here are seven of those advantages:

Asset Protection – If you operate as a sole proprietor or partnership, there is virtually unlimited personal liability for business debts or lawsuits. In other words should you go out of business or be a defendant in a lawsuit, your personal assets such as homes, jewelry, vehicles, savings, etc. are up for grabs. This is generally NOT the case when you incorporate. When you incorporate you are only responsible for your investment in the corporation. The limited liability feature of a corporation, while not a guarantee, is DEFINITELY one of the most attractive reasons for incorporating.

Easier To Sell – Corporations are generally much easier to sell and are usually more attractive to buyers than either a sole proprietorship or partnership. The reason for this is because a new buyer will not be personally liable for any wrongdoings on the part of the previous owners. If someone buys a sole proprietorship, for example, the new owner can be held personally liable for any mistakes or illegalities on the part of the prior owner…even if the new owner had NOTHING to do with the situation! This is usually NOT the case with a corporation.

Tax Savings – When you incorporate there are numerous tax advantages at your disposal that are virtually impossible to accomplish with other business entities. When you incorporate you create a separate and distinct legal entity. Because of this, there are many transactions that you can structure between you and your corporation to save big money on taxes. For instance, if you own a building you can rent office facilities to your corporation and claim depreciation and other deductions for it. Your corporation can then claim the rental expense. You are prohibited from doing this if you are a sole proprietor or a partner in a partnership.
Privacy and Confidentiality – The corporate form of business is a great way to keep your identity and business affairs private and confidential. If you want to start a business, but would like to remain anonymous, a corporation is the best way to accomplish this. States such as Nevada offer even more privacy protection for corporations and their shareholders.

Easier to Raise Capital – When you’re looking to raise money through investment or borrowing, a corporation can actually make finding and getting the money you need easier. If you want to take on investors you simply sell shares of stock. If you want to borrow, a corporation can add clout when dealing with banks or other lending institutions.

Perpetuity – As I mentioned in #3, when you incorporate you create a separate and distinct legal entity. This separate and distinct entity (the corporation) can endure almost forever irrespective of what happens to the shareholders, directors, or officers. This is NOT the case with sole proprietorships, partnerships or even limited liability companies. For example, if an owner, partner, or member dies the business AUTOMATICALLY ends or gets wrapped up in legal red tape. Corporations, on the other hand, have unlimited life.

Increases Credibility – Let’s face it. Most people feel more secure and confident dealing with a corporation as opposed to a sole proprietorship. Having INC. or CORP. after your company’s name adds a touch of professionalism and credibility to your business dealings. business lawyers

As always, be sure to consult with your attorney or business advisor before undertaking any important legal or financial decision. While there are many advantages and money-saving reasons to incorporate, as I’ve said before, it’s not for everybody. However, you do owe it to yourself to find out more.

Alex Goumakos is a CPA, business advisor and guest consultant of Active Filings LLC, a professional incorporating company that provides services in all US.

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Truck accident Statistics for all States 1996-2000

An average of about 5,000 trucks are involved in a fatal traffic accident each year.

Tractors pulling one semitrailer are the most common truck configuration, accounting for about 60% of all trucks involved in a fatal accident.

Texas, California, and Florida had the greatest number of truck involvements over the period 1996 to 2000.truck accident lawyer

The number of persons killed in accidents involving a truck decreased to 5,567 in 2000, compared with an average of 5,647 from 1997-1999.

The number of truck drivers killed in traffic accidents increased from 658 in 1998 to 713 in 2000.

About 360 pedestrians and 70 bicyclists are killed each year in traffic accidents involving trucks.

Fatal Truck Involvements by Year and State, TIFA 1996-2000

State 1996 1997 1998 1999 2000 Total

Alabama 142 167 153 146 154 762

Alaska 8 9 2 7 4 30

Arizona 79 75 99 117 107 477

Arkansas 101 122 107 98 119 547

California 387 393 374 347 396 1897

Colorado 57 81 54 65 75 332

Connecticut 32 24 32 24 39 151

Delaware 16 17 23 10 21 87

Dist of Columbia 6 3 2 2 4 17

Florida 284 295 330 344 321 1574

Georgia 221 221 202 233 219 1096

Hawaii 12 3 3 3 2 23

Idaho 41 33 24 26 27 151

Illinois 155 177 185 204 171 892

Indiana 164 164 183 195 170 876

Iowa 88 76 84 102 87 437

Kansas 64 87 82 80 85 398

Kentucky 98 118 103 104 99 522

Louisiana 86 132 149 124 118 609

Maine 14 22 22 27 27 112

Maryland 71 92 73 65 67 368

Massachusetts 36 39 39 37 49 200

Michigan 170 133 155 144 152 754

Minnesota 67 91 86 90 78 412

Mississippi 97 110 114 118 122 561

Missouri 153 139 165 169 179 805

Montana 21 22 19 15 27 104

Nebraska 49 49 43 62 55 258

Nevada 45 24 36 44 37 186

New Hampshire 15 14 12 11 11 63

New Jersey 88 83 67 61 94 393

New Mexico 58 51 51 52 44 256

New York 157 158 135 156 162 768

North Carolina 189 210 244 204 178 1025

North Dakota 9 13 8 20 11 61

Ohio 215 207 202 214 199 1037

Oklahoma 97 103 115 97 116 528

Oregon 63 77 67 50 65 322

Pennsylvania 196 181 187 217 188 969

Rhode Island 7 3 2 9 2 23

South Carolina 110 95 133 144 96 578

South Dakota 20 16 13 19 22 90

Tennessee 167 137 135 173 172 784

Texas 440 429 462 434 499 2264

Utah 36 51 53 39 44 223

Vermont 10 15 12 8 8 53

Virginia 126 124 118 108 107 583

Washington 70 84 72 60 69 355

West Virginia 62 55 41 51 51 260

Wisconsin 98 81 94 77 106 456

Wyoming 10 25 32 27 20 114

Total
5007 5130 5198 5233 5275 25843

Truck Accident Conditions

This section provides statistics that describe conditions at the scene of fatal traffic accidents involving trucks in 2000:

June had the greatest number of fatal involvements with 509, while April had the fewest with 388.
About two-thirds of fatal accident involvements occur in rural areas.
About two-thirds of fatal accident involvements occur in daylight.
81.8% of fatal accident involvements occur on dry roads.
84.9% of fatal accident involvements occur in “normal” (i.e., no precipitation) weather conditions.
28.8% of fatal involvements occur on state highways, 26.3% on U.S. highways, and 25.4% on interstate highways.
In 10.4% of fatal involvements, the other vehicle crossed the center line of the road and struck the truck head on.
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Vehicle Statistics

This section provides statistics that describe the physical configuration of trucks involved in a fatal accident in 2000. Of the 5,275 trucks involved in a fatal accident in 2000, there were 3,164 tractor-semitrailers, 1,519 straight trucks with no trailer, 222 straight trucks pulling a trailer, 123 bobtail tractors, and 162 tractors pulling two trailers.

Straight trucks with no trailer represented 28.8% of all trucks involved in a fatal accident.

Tractor-semitrailers accounted for 60.0% of the trucks.

Over half of the tractor-semitrailers pulled a van trailer – either a dry box van or a refrigerated van.

24.6% of the straight trucks had dump bodies. The next most common straight truck cargo body was a van body, with 21.8%.
30.2% of the trucks were empty, 21.8% were carrying general freight, and 13.1% were carrying solids in bulk (gravel, soil, etc.) at the time of the accident.
8 trucks were longer than 100 feet; 43 weighed more than 100,000 pounds.
74.6% of the trucks involved in a fatal accident were Class 8, the heaviest Gross Vehicle Weight Rating (GVWR) class.
49.1% of the trucks were operated by interstate for-hire carriers, 17.8% by interstate private carriers, and 16.6% by intrastate private carriers.
34.5% of the trucks were on local trips (within 50 miles of base) when involved in the fatal accident.

Driver Statistics

This section provides statistics on the drivers of trucks involved in fatal traffic accidents in 2000.

2.2% of truck drivers involved in a fatal traffic accident had been drinking.
Drug use was reported for 0.6% of truck drivers in a fatal crash.
96.4% of truck drivers involved in a fatal accident were male.
713 truck drivers were fatally injured in a traffic accident.
2.1% of truck drivers involved in a fatal accident were recorded as drowsy or asleep.
Driving too fast was the most common driver factor recorded (7.6%), followed by ran-offroad (6.9%), and inattentive (5.4%).
63.4% of truck drivers had no driver factors recorded.big rig accident attorney

Straight Truck Statistics

This section provides descriptive statistics on straight trucks involved in a fatal traffic accident in 2000. A straight truck is a truck power unit with a permanently attached cargo body. Straight truck configurations include trucks pulling no trailers, trucks pulling a full or other trailer, and wreckers towing cars or other straight trucks.

Truck configurations with a straight-truck power unit accounted for 33.3% of all trucks involved in a fatal traffic accident in 2000.
38.3% of straight trucks were Class 8 (over 33,000 lbs.) Gross Vehicle Weight Rating (GVWR), and 18.7% were Class 3 (10,001-14,000 lbs.).
The lightest straight trucks involved in a fatal accident in 2000 weighed 5,000 pounds or less; the heaviest straight truck combination weighed over 120,000 pounds.
36.9% of straight trucks were empty at the time of the accident; while solids in bulk was the most frequent cargo type, accounting for 19.2%.
54.2% of straight truck configurations involved in a fatal traffic accident had two axles, 24.3% had three axles (including the trailer), and one straight truck combination had seven axles on the power unit and four axles on the trailer.
37.7% of straight trucks were operated by a private, intrastate carrier; 23.7% by a private, interstate carrier; and only 11.6% by a for-hire, interstate carrier.
66.3% of straight trucks were on a local trip (within 50 miles of base) at the time of the accident.
262 straight truck drivers were fatally injured in a traffic accident; 39.3% of the fatalities occurred in ran-off-road crashes.
Note: 445 straight trucks had “other” cargo bodies, bodies that did not fall into any named cargo body type. Most of these were utility bodies or some other working body type such as concrete mixers, cement pumps, or boom trucks.

Tractor Statistics

This section provides descriptive statistics on tractor combinations involved in a fatal traffic accident in 2000. A tractor is a truck power unit with a fifth-wheel designed to pull semitrailers. Tractor configurations include tractors pulling no trailers (bobtail), tractors pulling one or more semitrailers, and other configurations with supplementary units such as jeeps that permit hauling very heavy loads or configurations in which the tractor towed other tractors by means of saddlemounts.

Truck configurations in which the power unit was a tractor accounted for 3,472 of the 5,275 trucks (65.8%) involved in a fatal accident in 2000.
94.0% of the power units in tractor combinations were Class 8 (over 33,000 lbs.) Gross Vehicle Weight Rating (GVWR).
The three lightest tractor configurations weighed 10,000 pounds or less, and were bobtail tractors; the four heaviest tractor configurations were doubles with a loaded weight over 150,000 pounds.
71.8% of tractor combinations weighed between 25,001 and 80,000 pounds.
27.2% of tractor combinations were empty at the time of the accident; while the most common cargo was general freight with 26.6% of tractor involvements.
88.6% of tractor-semitrailer configurations consisted of a three-axle tractor pulling a two-axle trailer. 62.3% of doubles (two trailers) consisted of a two-axle tractor with a one-axle first trailer and a two-axle second trailer.
68.8% of tractor combinations were operated by for-hire, interstate carriers; 15.1% of tractors were operated by private, interstate carriers.
19.0% of tractor combinations were on a local trip (within 50 miles of base) at the time of the accident; 19.8% were on a trip over 500 miles.
449 tractor drivers were fatally injured in a traffic accident; 48.1% of the fatalities occurred in ran-off-road crashes.
semi truck accident
Extracted from:
TRUCKS INVOLVED IN FATAL ACCIDENTS FACTBOOK 2000
Center for National Truck Statistics
University of Michigan Transportation Research Institute

Contact our lawyer now If you have experienced personal injuries or substantial income loss as a result of a truck accident in Kentucky. Our lawyers are here to give you a free case review and to fight for you in court.

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