Truckers Need Commercial Truck Insurance

If you are driving a commercial vehicle, especially a semi-truck, then you need commercial truck insurance to protect yourself and your rig from personal injury attorneys and lawsuit. This also applies to business owners who own a vehicle that is rented, leased, or used by more than one person.

Generally, most policies will cover your medical bills and expenses, should you get in a wreck. This is not to be underestimated with the current price of healthcare and the grave nature of most automobile accidents when traveling even at a minimal speed.

Your policy should cover underinsured and uninsured motorists. If you get in a wreck and the party at fault has no insurance or does not have enough insurance to cover the damages done to you or your truck, then your insurance company should be there to cover the rest.

It should also cover your motor cargo. This aspect is extremely important if you are transporting something that is highly valuable. This could be just about anything, but you do not want to be on the hook for the price of your cargo due to an auto accident.

Make sure your commercial truck insurance covers you on bodily injury, property damage, and liability. If you are not covered by an insurance company, you could be taken to court and forced to pay the damages or medical bills out of your own pocket.

Do not forget to ensure that you have automotive damage insurance by way of collision, theft, fire, or other type of damage to the vehicle. Besides medical bills, auto repairs are probably the second most expensive thing that insurance can cover for you. Don’t get stuck paying for repairs to your rig out of your own pocket and make sure your policy has you covered.

There are plenty of standard options as well as customizable policies. Let’s look at some of the standard packages. Business interruption coverage will protect you or your company from lost wages after a covered loss.

Umbrella coverage provides the customer with a much higher liability limit than your average primary commercial truck insurance policies.

Tool and equipment coverage will protect your tools and equipment that are stored in company vehicles. This goes hand in hand with cargo insurance, which makes sure that your manifest is insured in transport or in storage, so you can rest assured that your product is safe.

Driving without insurance is illegal in the United States, and driving a commercial truck without commercial truck insurance is just stupid. Keep yourself protected and get in touch with your local insurance agent.



Source by Aaliyah Arthur

Benefits of Polishing and Waxing Your Car

Whether you have owned a car for many years or just bought a new model, it is practical to put in place a proper maintenance schedule. There are many things to consider in the process of maintenance. It is essential to keep on top of the mechanical maintenance to ensure the vehicle is kept running. However, you also want to invest time on the general appearance inside and out. Keeping the vehicle in top condition related on a variety of methods such as washing, polishing and waxing.

Let's take a look at the benefits of polishing and waxing your vehicle:

Polishing

A proper polishing session is a wonderful way to restore the paint. Polishing is practical for correcting a variety of issues, such as problems related to etching, water spots, swirl marks, scratches and stone chips. Applying polish to improve the appearance is only practical if the chips or scratches are surface marks. If the vehicle has deep penetrating marks, the process of applying polish on its own is not enough to restore the original look.

Once the polishing is complete, the vehicle will have a nice protective layer that lasts for quite a while. There will be fewer issues with dirt and grime because a clean, smooth surface is more difficult to stick to. This should mean it is a lot easier to keep the vehicle clean in the future.

Also, the polishing process should only take place when it is actually needed. It can include certain degrees of roughness which is needed to remove the minor signs of damage. If a vehicle is polished too often, there is a risk of compromising the all-round quality of the paint.

Waxing

Out of the two options, waxing is the least harsh cleaning method because it does not feature abrasive compounds that can affect the paint overtime. But, it is still useful to provide a great protective layer on the paint to minimize issues with scratches, chips, or general contaminants in the air. Plus, a regular waxing session is certain to leave the vehicle looking sparkling clean and makes the basic process of washing significantly easier. Even though waxing is a practical choice to minimize the surface marks and scratches, it is not a reliable option to restore the paint like a high-quality polish. Also, it is necessary to use the waxing method more often than polishing to help maintain the all-round appearance of the vehicle.



Source by Leo Eigenberg

Top 5 Reasons to Play Daily Fantasy Sports

The latest addiction in the virtual world, daily fantasy sports is a fun game that fuels the mind, gives you a rush of adrenaline and of course, there’s the possibility of attaining instant gratification. But if you’re someone who has not been previously exposed to this new breed of gaming, why should you play it in the first place?

Here are five reasons for you to get started on building your own fantasy sport team.

1. Play anytime.

Perhaps it is this freedom of time that makes daily fantasy sports extremely popular. Unlike the traditional sports game, there is no season-long commitment when you’re playing. You can start creating your team whenever you have the time and then put them to rest when you’re already busy with work or study.

2. There’s mathematics involved.

Yes, this game is not just about who has the faster internet connection or the luck to win. You have to have strategy and you need to master the mathematics behind it so that you be declared as the winner.

Unlike playing cards in casinos, daily fantasy sports do not call you a cheat if you use math. Rather, it’s an excellent winning strategy to spend some time scouring analytics on players and matchups. In fact, one avid fan of the game shares that it is best to start by picking on the weaker teams and work your way up the ranks.

3. It is a legal money play.

No, it is not gambling. According to the provisions stated in the Unlawful Internet Gaming Enforcement Act, daily fantasy sports are completely legal. Although some states may have a few exceptions but nevertheless, there is always a possibility of making substantial amount of money with daily fantasy sports. Some people even play this sport for a living.

4. Ready availability of athletes.

When you’re managing a team of professional players, there is always the risk of injuries. If the injured player happens to be your star, you team’s power will be affected and you might even loss a game.

But if you’re playing daily fantasy sports, all your players have been crafted to be as powerful and competent as the other. So even if a player gets injured, you will still have your team’s power intact because anyone else can take his place. Of course, you have the option not to draft the injured player for an upcoming game and just keep him on the bleachers until he’s ready.

5. Variety of Opponents

With this setup, you have the freedom to play against several opponents. This enhances your gaming and thinking skills and in the long run, provides more chances for you to win some real money.

When you’re playing daily fantasy sports, you have to understand that it’s more numbers-driven. So your winnings, as the owner and manager of the team, will be determined by your team’s score. You also have the option to play one-on-one or against two to 25 players at a time. But of course, you need to shell out some money per entry too but you’ll realize that your investment can go a long, long way.



Source by Ralph Wilhelm

Car Insurance Penalty

Car insurance agencies have been using penalties to keep customers from changing companies for a very long time, and a lot of people fall for it. People are generally not aware of the penalty charges and how much they will end up costing. Some consumers get insured without taking time to read the fine print, which is where they can find the information they need to know on termination of policies. Many people just renew an insurance policy to avoid running into charges they know nothing about.

Here are a few fundamental tips to help you make the best choices on insurance renewal or restoration:

Analyze The Cost Of The Penalty Against The Potential Savings

Make sure you always weigh your options. For instance, if you will save $300 to change to another insurer but that means you have to pay $200 in fines for canceling your current insurance then it’s possibly a worthwhile deal. However, if you have to a pay $200 fine for a $100 savings, you might have to hold on until the agreed expiration date before you change over to another company. It all comes down to if you will save money on a new deal or not.

Stay With The Same Insurance Provider Longer To Lower Your Termination Penalties

If you terminate your policy after two weeks, you might have to pay a $400 penalty, but if you cancel after eleven months, you might end up paying $50 or less.

Always make sure to read all the documents you are given before signing and activating your vehicle insurance.

Use The Competition To Potentially Lower Your Rate

A great number of people use this strategy to their benefit. You can do this if you like your insurance provider but they are relatively costly, and they charge fines for cancellations.

Let them know you have gotten cheaper quotes from their competitor and ask if they can match the cheaper rate. There’s a chance they might decrease your cost of insurance and give you a better deal to keep you as a customer. Then you have a better rate and can avoid any termination penalties.

Examine The Termination Rules On Any New Policy You Have In Mind

If you find less expensive insurance and need to opt out, make sure your new provider does not have huge termination penalties. You can call the customer representative and get all the relevant information you need to know about the fees and charges involved. In addition, thoroughly read the terms and conditions of your new contract, to avoid unforeseen fines.

Look For A Direct Insurer That Does Not Force Cancellation Charges

You can look for an insurer that doesn’t charge for the cancellation of policy. In the past few years, many carriers have stopped car insurance penalty plans in favor of letting people cancel at any time.

There are now insurance policies with internet-based rates, no hidden fees, and no transaction costs if you want to cancel. This is one of the reasons you should take the time to check your current rate online.

Since you now understand how to stay away from additional cancellation charges, you ought to take a couple of minutes and attempt to get your rates reduced.

You have access to free quotes without commitment online and can realize hundreds in savings in just a matter of minutes. Get started now and lower your insurance rates online.



Source by Mike Heuer

Import Auto Repair and You, What You Should Know

Let's face it. Your imported car is beautiful. Having gone to so much trouble to bring it home to you, it will likely be one of those items that you take very good care of. However, being the nature of things, time and life situations may take their toll on the vehicle. Being an imported car, there are some things that need to be considered as you look into import auto repair in Portland. Including things like listening to the recommendations of the manufacturer, using only legalimate and specialized parts, and being extra cautious about everything, including servicing and maintenance, will do a lot to extend the life of your vehicle. To you, this is not just any car.

First of all, and what you are already doing very well, a piece of advice to take is this: be careful to pay attention to how the car is looking and running. Of course you will have frequent servicing scheduled with a company that specializes in import auto repair in Portland, but it is important to watch the daily runs of the car, and attend to anything that might be of interest. This will greatly help you to avoid or quickly take care of most problems that arise, and can save you time, money, and worry in the long run.

If you ever have any questions, refer always to the recommendations of the manufacturer, found either in the owner's manual, online, or obtained directly from the company itself. Those who built it can do much to keep it running. Trust their judgment, and do not scrap on good parts and services, just to save a little cash. It is advised that you follow strictly the recommendations outlined in the packet. Follow the recommended guidelines relating part replacement, safety, and the timeline for "check-ups." Many of these questions can be answered by specialists in import auto repair in Portland.

Just be careful with your care. Check the tires often, keep them appropriately filled. When you need to replace any parts, do so with parts that are genuine, and designed for luxury import cars. By disregarding this piece of advice, you risk causing further damage, as well as lowering the value of your car.



Source by Chris Hegi