Automobile Insurance is considered to be a "necessary evil" by many folks who feel that they will never or rarely use it. That's a really good thing because having an accident can mean that you might become injured with long recovery times or at the very least greatly inconvenienced by having to wait for your car to be repaired or replaced. Many folks tend to want to pay for the least amount of insurance that they have to and at the lowest price. Just be sure not to make these common auto insurance mistakes.

1. Assuming you need only minimum limits because "you don't own anything." Recent graduates starting their careers may not currently have a lot of assets to protect but they do have a lifetime of future wages. Judgments for damages caused to others can follow you and cause your wages to be garnished to satisfy them. The cost of higher limits can be extremely minimal. Be sure to evaluate the cost benefits of all your options.

2. Not matching your "Uninsured/Underinsured Motorist" liability limits with your "Bodily Injury" liability limits. The reason that you have liability insurance is to protect yourself by paying for the damage done to others if you cause an accident that is your fault. So what happens when the accident is someone else's fault and they don't have insurance or only have minimum limits? You should be protecting yourself with the same limits that you are protecting others.

3. You don't have all of your personal policies with one company or one agency. Most companies offer significant discounts for you to have all of your policies with one company and in most cases, it makes a lot of sense to try to do that to take advantage of every discount you can qualify for. In the cases where that may not be possible, at the very least have all of your policies with one agency to be sure that you have no "gaps" in your coverage. If you have assets to protect, (a home, cars, personal belongings) you should have an umbrella policy that will give you liability coverage in excess of what is offered on the standard auto policy. A million dollars of coverage may cost less that $200 annually and can buy an awful lot of "peace of mind." However, umbrella policies require certain limits be maintained on your auto and home policies in order to "seamlessly" payout. For this and many other reasons, you should have a professional agent manage your insurance program.

4. Assuming all contracts and insurance companies are alike. Insurance is basically a promise made by an insurance company to pay a loss in exchange for premium. Insurance companies have different financial ratings and reputations. Paying your premium doesn't mean you are going to be satisfied with the handling of your loss. If you own a nice vehicle- lets say a BMW for example: unless you have specific coverage for "original equipment manufacturer" (OEM) parts, generally aftermarket parts will be used on your vehicle after a loss. This is not a bad thing. Many times the warranties and quality of these parts are the same or perhaps better than the original part but if you are concerned that new windshield has "BMW" stamped on it, you need to specifically have that coverage.

5. Assuming you don't need "Medical Payments" coverage because you already have "great" medical insurance. What about all the other people in your car? Most contracts include any family member and any other person occupying your vehicle. It also usually covers funeral expenses and the coverage limit applies to each injured person. The limit can also "double" the amount if a seat belt was being worn. There is also no deductible unlike most health insurance.

Auto insurance is a very important part of your personal insurance program. Many considerations go into being properly covered. You don't need to "over pay" for proper coverage but being with a great company, with great coverage that exactly fits your needs is what you should be striving for. Here's hoping you never have to use it!

Sharon L Graeter, CPCU is Co-Founder and Director of Development for West Connect Insurance Solutions. She has 35 years experience in the Insurance Industry and is a contract expert. If you would like to sign up to receive her free informational e newsletter, please go to http://www.sharongraeter.com

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In India today, many people are earning more money than they were earlier, and are able to afford a higher standard of living. This means that not only are there more cars on the road, there are also a lot of expensive and high-end cars on the road. Unfortunately, the roads in most cities in India are far from perfect, and road rage is not uncommon. This generally leads to cars being bumped and scratched more often than anybody would like. Getting your car fixed is always costly, but luckily it has been made compulsory for all vehicle owners in India to have insurance on their automobiles. While this means that people who buy cars might have to shell out a little extra money for the insurance policy, it is beneficial in the long run, as most insurance policies also take care of damage caused by natural calamities like floods and earthquakes.

The Union Budget 2014 has addressed a large number of issues, some of which are related to the motor industry. The Finance Minister announced that steel prices would be reduced, and the custom duties levied on auto parts would be discontinued. This of course works in favour of the car sector, as the parts used to assemble cars will be available at a lower cost. This straight away means that car prices will probably not see a rise in the coming year. As motor insurance depends on the cost of the car getting insured, it is very likely that the cost of insurance will also remain static in the coming year.

Apart from the policies that directly affect the cost of cars, the Budget has also addressed the issue of insurance in general. The Budget has proposed to increase the Foreign Direct Investments into India to 49%. This was done in the hope that the insurance sector would be easily exposed to international players who operate in large global markets. While this does not necessarily mean that the price of auto insurance will decrease, it does mean that it will not become more expensive.

The changes that have been made so far by the government have all been advantageous to the automobile sector. However, it is important to remember that the Union Budget will only last for another 6 months, and a new Budget will have to be put in place after that. While we hope that the Government continues to take positive steps to help development, it is left to be seen whether the rates of car insurance in India will increase or decrease eventually.

TATA AIG offers online car insurance service.

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Asbestos is a heat resistant and corrosion resistant fibrous mineral used for fireproofing and insulation. This mineral is naturally occurring and was once heavily used in building materials and automotive parts. For decades, asbestos was used without regard in several major industries and no precautions were taken to limit exposure. Asbestos is now a known carcinogen which can cause disability or death to exposed humans. Up until the 1970s, not much was known about the risks of asbestos and it still took many years for industry regulations to come about limiting the exposure of asbestos to workers. The use of asbestos is now highly regulated by OSHA and the EPA but many people were exposed before the problem was controlled.

What is Mesothelioma?

Mesothelioma is a rare type of cancer almost always attributed to exposure to asbestos. This cancer develops from mutated cells in the mesothelium, or the protective lining that covers most of the internal organs in the human body. Mesothelioma most commonly develops in the lining of lungs and the internal chest wall. There are three different types of Mesothelioma: Pleural Mesothelioma, Peritoneal Mesothelioma, and Pericardial Mesothelioma. The most common of the three types is Pleural Mesothelioma which accounts for about 70% of all cases.

Increased Mesothelioma Risks

Most people who develop mesothelioma have had asbestos exposure on the job. In years past, asbestos was used in many buildings and houses. Asbestos was used for its fire proof & corrosion resistant properties and was used to heavily insulate many structures in civilian and military sectors. In addition to high concentration levels, the risk also came from cramped rooms, poor insulation, and contaminated areas. All people exposed to asbestos have a much higher risk of developing mesothelioma.

Mesothelioma Treatment

The earlier this illness is identified, the better. The major problem with getting treatment is that much of the time, people ignore the symptoms. If you have been exposed to asbestos, or you believe you have been, inform your doctor, even if you have not experienced any abnormalities with your health. You doctor can closely monitor your health and check for signs of Mesothelioma. Orthodox treatment plans for Mesothelioma usually include surgery, radiation and chemotherapy. Newer prescription medications for chemotherapy drugs such as Alimta and Cisplatin have exhibited encouraging results in certain people suffering from this illness. In recent years, the number of clinical trials and experimental treatments has increased and many show promise for patients.

If you have been exposed to asbestos, please contact http://www.eLawsuit.com.

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Personal loan. Payday loan. Cash advance. Installment loan. Short-term loans go by many different names, but whatever you call them, they have gotten a bad reputation over the years. Many people view them as a way to take advantage of vulnerable borrowers and complain that the interest rates that accompany them are too high. Really, though, it's not fair for these loans to be judged so harshly. In short, don't listen to what others have to say. There is plenty of good in personal loans, read on to learn more.

Money When You Need It

Perhaps one of the very best things about personal loans is that they provide you with money when you need it the most. They can also open up all kinds of possibilities in your life. Maybe you've always wanted to take a short vacation, for example, and finally have the time, but a little short on the money to fund this getaway, a personal loan may be the answer. A short term loan can make what initially was thought to be impossible, quite possible. It could also help you reach bigger goals, such as owning a car or other big ticket items such as appliances. While personal loan amounts are typically small, having that extra little bit to add to what you've already saved can really come in handy.

These loans are also great when the unexpected happens. Maybe you suddenly need money for car repairs. Or maybe someone in the family is sick and needs a doctor's visit. Whatever the case may be, payday loans give you the chance to acquire money right when you need it most.

You Approve the Terms and Conditions

While it is true that the interest rates on personal loans can sometimes be a little on the high side, you never have to agree to any interest rates or other terms or conditions that you don't like. All lenders are required to show you the terms and conditions of the loan, along with the interest rate, right upfront. You always have the ability to approve these terms and conditions and proceed with the loan or to turn them down. You are in the driver's seat, and hold the power. Make lenders work for your business.

Savvy lenders will work with you to help you find terms and conditions that are more suitable for your specific needs and budget. Also, keep in mind that you can avoid some of the cost of the high interest rates by paying the loan back early, all at once or paying more than your actual payments cost at a given time. Using any of these payment factors also can have a nice positive impact on your credit score.

You Don't Have to Borrow Big

Finally, understand that with payday loans, you're not going to be borrowing some huge sum of money. In fact, most payday loans companies won't lend amounts higher than $1000. Since you can only borrow smaller amounts and because most lenders base how much you can borrow on your budget, it's not very likely that you would be stuck trying to pay back some huge bill you just can't manage.

Once you have determined that a personal loan is in your future, do your research. There are many legitimate lenders online that are willing to work with you and your budget. Understand the rates and terms. Read the small print and communicate with your lender to make certain there are no misunderstandings. The truth be known, short term loans are all about options and about choice. Don't believe the lies; embrace the good in personal loans!

Mark Simms writes for the consumer seeking a short term loan. Follow him as he shares the information he has collected being an industry expert. Learn more at http://easypaydayapproval.com

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In a typical case of negligence, personal injury can be described as any damage caused to a person, such as a broken bone, a cut, a bruise or any such physical injury. It also includes in its scope any injury resulting from libel, slander, using a defective product, malicious prosecution or false arrest. In legal terminology, personal injury law is also known as "tort" law. Typically, personal injury law can be divided in to three categories namely, negligence, intentional torts and strict liability torts. According to Ohio personal injury law, a case can be taken to court only if personal injury is caused due to negligence of another person or party. The simplest method of evaluating a case is to get in touch with a skilled and experienced Ohio personal injury lawyer.

A good Ohio personal injury lawyer has all the experience, resources and knowledge of personal injury laws prevailing in the State of Ohio. Many personal injury lawyers have different areas of specialization such as personal injury laws, wrongful death, medical malpractice, products liability and accident cases. In a product liability case, the lawyer can advise the victim on whether he/she has any claim against the manufacturer or vendor. The lawyer will ensure that the manufacturer pays compensation for injuries or deaths, medical expenses, property damages, and lost wages. In case of wrongful death, Ohio lawyers try to get optimum financial settlement to relieve the financial worries of the family of the victim.

Ohio personal injury lawyers, who are proficient in handling cases of medical malpractice, can advise the victim whether medical malpractice has actually taken place. A victim of medical malpractice may have either, undergone a wrong surgery or a wrong medical procedure, due to the negligence of the doctor. Medical malpractice also includes wrong diagnosis, and hospital malpractice. Lawyers review a victim's case and inform him about the odds of winning the case.

Most Ohio personal injury lawyers operate on a contingency basis and do not charge their clients for an initial consultation.

Injury Lawyers [http://www.WetPluto.com/Birth-Injury-Lawyers.html] provides detailed information on Injury Lawyers, Personal Injury Lawyers, Brain Injury Lawyers, Birth Injury Lawyers and more. Injury Lawyers is affiliated with Brain Injury Attorneys [http://www.WetPluto.com/Injury-Attorneys.html].

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More and more people want to be part of public service especially in the name of justice. Criminal justice degrees are much in demand at the present time. However, usual constraints for one to get a degree would be time and financial resources. But thanks to the internet, the online degree is the best ticket to that career.

Among the best solutions for those who would want to study but can't afford spare time is simply to go for distance learning via online degrees. For those interested, there is now the online criminal justice degree. The said program allows students to finish the degree even if they are preoccupied with their busy working schedules and active lives that prevent them from obtaining a traditional campus based education.

Having a criminal justice degree can lead to a wide array of carer options such as; legal assistant, jail administration, court officer and paralegal. So with an online degree, it is now easier to make that career leap.

Online education is not solely for criminal justice degrees, but there is a wide variety of degree programs made available for any interested students. Such programs include certificate and associates degrees up to doctoral degrees through distance education.

And of course having such a degree can look forward to a rewarding career and salaries that may vary greatly, depending on what job title or position you have. As we all know not all job positions carry a high paying salary, but some are the highest paying salaries in the nation. Salaries are ranging from the basic of $34,900 up to the highest of $175,000.

This online education is worth the time of every busy person wanting to learn or earn a degree on criminal justice. The online education also gives them options on which degree they are going to focus on that will allow them to have the salary bracket that they want.

Busy individuals can work and study at the same time. And not to mention, keeping up with demands and even maintain an active and healthy social life and family life as well. They can at the same earn their degree from an accredited school and working their way towards a career that they always wanted. Not only that, criminal justice degrees are relatively much more affordable online compared to going to regular schools. That is one major advantage of an online criminal justice degree.

Getting your degree is now made easier thanks to the means paved by the internet. An online criminal justice degree is your ticket to pursue a career in the field. Not only does it allow you to manage your time, but it is much more affordable than the traditional way of schooling.

In this economy, possessing a criminal justice degree can get you ahead of your competitors. Plenty of additional degrees, like a paralegal degree, are available for low prices and more flexibility of schedule.

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Personal injury includes any injury caused to an individual's body, mind or emotions. Personal injury is an important branch of law. Some personal injury cases are minor and can be resolved amicably between the concerned parties. On the other hand, some cases can be extremely complicated and the victim has no other choice apart from filing a case. Although individuals are allowed to file their own lawsuits, most opt for the services of a lawyer due to the complications involved in a lawsuit. Moreover, it is very difficult to understand the legal jargon associated with insurance claims and personal injury lawsuits. In the state of New Mexico, there are several expert personal injury lawyers that handle personal injury claims for different types of accidents or mishaps. The most common forms of personal injury lawsuits include cases such as product liability, road accidents, libel, defamation, slip and fall, and medical malpractice.

To file a personal injury lawsuit in New Mexico, it is advisable to hire a reputed lawyer who has profound knowledge of the personal injury law prevailing in New Mexico. Every state has statute of limitations that varies depending on the state and the form of the injury. The statute of limitations determines the time an individual has to file a case. It is important to hire a good lawyer who will enlighten the victims about all such relevant aspects of personal injury litigation. Generally, an individual has three years to file a personal injury lawsuit in New Mexico. Every state has a standard procedure for filing personal injury claims. An experienced personal injury lawyer has the expertise in handling similar cases. The lawyer can advise the victims if they actually have a strong case to file for compensation.

According to a public policy decision passed by the state of New Mexico, the clients are liable for all the expenses incurred during litigation regardless of the verdict of the case. However, individual lawyers and law firms can charge fees at their discretion. Many lawyers charge their clients on contingency fee basis.

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