The Truth About Personal Injury Protection – & Some Myths

Trying to get insurance cover can be a real minefield to most people. It is almost always an unbelievably expensive item with respect to the family budget. Unfortunately however, it can be horrendously costly in another way if the cover is not appropriate or does not cover the intended items. Let’s look at the main kinds of cover and attempt to throw a little light on the subject.

The best automobile insurance policies will include the following items: uninsured motorist coverage, personal property liability, collision coverage, bodily injury liability, comprehensive coverage and personal injury protection (PIP). Some of these elements are required by all states whilst others are not required. Collision coverage pays for all damages to a automobile or other vehicle when it is in collision with another automobile or other vehicle or non-vehicular object, even if the insurance holder is at fault. Comprehensive insurance policies protect the insurance holder in the unfortunate situation that their automobile or other vehicle is taken without the owner’s permission, damaged illegally, harmed by an act of nature or damaged otherwise. Both of these kinds of insurance are always optional and are usually very costly.

Bodily injury and personal property insurance are required by all U.S. states in in one way or another. Where the states differ greatly is in the minimum guaranteed payout that is set for each. For example, in Alaska, a driver is required to carry coverage that has a guaranteed minimum bodily injury payout of $100,000. In Florida, a driver is only required to carry coverage worth $10,000.

Many elements of an auto insurance policy that could be optional are cover for the uninsured motorist and personal injury protection. The coverage for the uninsured motorist protects the insurance holder in case he or she has an accident with an uninsured person. It provides the insurance policies that should possibly have been supplied by the other party. PIP, in the event of an accident, pays for the medical expenses and other assorted damages incurred by the insurance holder and their passengers (or if the insurance holder is an injured pedestrian). Carrying personal injury protection is mandatory in: Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.

Even if personal injury protection is not mandatory in your state, you may still want to consider purchasing the insurance policies. PIP, in the event of an accident, will pay around 80% (depending on insurance policies limits) of the costs of the insurance holder and passengers. These costs include medical bills, lost wages and other assorted expenses. personal injury protection is a no-fault policy, so it will cover you and your passengers, even if the reason for claim was your fault.

personal injury protection, sometimes known as Medical Payment Insurance or Medpay, is a no-fault insurance policies for a couple of reasons. Firstly, the fact that blame does not have to be confirmed saves time and therefore allows medical payments to get into the …

Scrap Mechanic #20 – Stacja benzynowa, silniki i więcej



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Rogue Assailant Wolf

Rogue Assailant Wolf

Manufacturer: Rogue Automotive
Nationality: American
First assembled: TBA 2215
Birthplace: Lemont, Illinois
Engine: 3.4 L Twin-Turbocharged I4
HP: 460 BHP
0-60: 3.6 seconds
Top speed: 220.30 MPH

The Rogue Assailant is produced mainly just to reel in some cash to keep Rogue running, but don’t let that fool you. The Assailant has proven itself to be a great performer for it’s class, and overall a great car. It can be both a performance car with it’s turbocharged I4, but also a comfortable daily driver with it’s space and adjustable ride. Speaking of space, the Assailant even has a wagon variant for those who need some extra room in the back but don’t want something big like an SUV or a truck. The thing with Rogue however is that it’s a performance company first and formost, and every car they’ve ever put out has some type of performance variant. One such was rumored for the Assailant as soon as it was unveiled. Many thought it would bear the FCGT designation, which is generally reserved for Rogue’s top of the line sportscars. When the 2214 American West Coast Auto Show came around, those rumors were proven somewhat true. First off the unveiling of the Rogue Assailant WTC, A Touring Car variant of the Assailant and it’s entry into motorsports. Second was the high Performance variant everyone was waiting for, but it wasn’t black with red accents, the typical FCGT colors. Instead, it was a shining pearl white. This was the Rogue Assailant Wolf. The "Wolf" moniker comes from Rogue’s company emblem, which is represented by a snarling wolf. According to Rogue, the Assailant Wolf would be the start of a new line, combining hardcore performance with luxury, unlike their FCGT series which is complete hardcore track-oriented performance. The Assailant Wolf is obviously highly modified from the original Assailant, with alterations in aesthetics, including a bigger, non-retractable spoiler. The Wolf isn’t just a bodykit, though. Under the hood lies the same engine, the 3.4 Liter I4, only instead of one turbo, there’s a second. This boosts the power to 460 BHP. This results in a 0-60 of 3.6 seconds, basically one second less than the standard Assailant. Top speed is also up to 220 MPH. Speed isn’t all the Wolf has. The magnetic suspension, brakes, tires, shocks, and wheels were either modified by of provided by Fear Motorsports, Rogue’s in-house racing division. Even with all this performance, Rogue keeps it’s promise of providing luxury as well. Unlike FCGT cars where everything inside would be gutted, there’s still comfortable seats to fit five, a large trunk, radio, GPS, cupholders, seat warmers, electric windows, a luxury setting for the ride, cruise control, every creature comfort needed for a smooth and luxurious drive. Even with all this, the Assailant s still arguably a breadgetter, because one can have this by 2215 for a price of around $65,000+.

Posted by SHARPSPEED on 2014-11-09 22:21:31

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Investing In Quality Auto Repair Services – Is It Worth It?

Auto Repair Services- Why You Should Invest In Quality Auto Repair Services?

Investing in quality auto repair services can help you enjoy a safe and smooth drive. While you can always take a DIY approach for the general car maintenance services such as an oil change, tune-ups or diagnostics but always hire a professional for the complex car problems. If you want to get a better value of your car in future then you should know how to take care of your car.

Choosing A Quality Repair Shop

Always get referrals/recommendations from your friends, relatives, coworkers and other people you trust. Co-workers can help you find a good repair shop in your locality. It is always a good idea to find a good repair shop before you need one. This way you won’t have to pick someone randomly.

Thanks To The Internet!

Look online to learn about the top repair shops operating in your locality. Compare the different quotes to choose the best deal. Ask them to show the license and also check whether it’s an updated license or not.

Consult local consumer protection agency to see if there is any complaint against the repair shop from the old or existing customers. Above all, you should make sure that they can fix the problem easily.

Tips

Have a look at some of the following tips to consider before you start your search for the best repair shop:-

Tip 1

Read The Car Manual

You should always take time to read the manual and understand the specific instructions mentioned in the schedule. A manual has all the necessary information. So you should go through all the instructions carefully before choosing any repair station.

Tip 2

No Quick Decisions

Remember, it’s always a good idea to shop around for the best deal before you meet a breakdown. It will help you to make the right choice because you are not choosing someone randomly. Never ever choose a repair shop/repair mechanic without checking the testimonials. A little bit of research can help you choose the right service provider for your car.

Tip 3

Word Of Mouth

It is always a good idea to get referrals/recommendations from your friends and family. Word of mouth is still considered as one of the best ways to find a reliable professional.

Conclusion

Put a little bit of effort to find quality auto repair services. It will give you many benefits in the long run.

Happy Driving!…