Rowan Atkinson is perhaps best known all over the world for his role as the child-like and ever-hilarious Mister Bean. However, it was Atkinson who was laughing all the way to the bank.
In 2011, Rowan Atkinson took his very rare MacLaren F1 race car, and crashed it on the A605 near Haddon, Cambdrigeshire. Atkinson sustain injuries to his shoulder, as did his car.
As his car was covered, Atkinson received a payout of nine hundred British pounds – one of the most expensive payouts ever recorded. The car, which had originally cost three-point-five million pounds, took nearly a whole year to repair its carbon fiber body, as well as its engine with some of its parts made out of gold, as it is the best heat conductor.
In special cases like these, it was certainly in Atkinson’s best interests to fully disclose very single damage detail done to his race car, as the repairs to the finish, the engine, and all the other parts were fully covered.
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Food trucks are now making waves and serving food like a boss across America’s major cities and all over. These purveyors of meals on wheels deliver their own special flavors to fans of their respective franchises, and these fans are happy enough to patiently wait in line to order. Some offbeat weddings are now also hiring food trucks to cater at their receptions, and doing business this way has never been more delicious.
Food trucks have also become one of the best ways to kick-start a food business with a small capital, since having a truck to drive around means not having to pay for taxes and other miscellaneous fees that would otherwise come with a brick-and-mortar business. However, like these brick-and-mortar restaurants, food trucks need insurance, too. Having good insurance will protect not just the food truck business, but also its patrons and the locations it serves. It also is a good way to take care of the food truck’s employees, as having insurance can cover them should any untoward accident happen in the truck kitchen and outside.
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Let’s say for example, your car met a nasty accident. It could be anything – crashing into a tree to avoid a confused dog, smashed windows from a vandalism spree, or even cracked tail lights from an overzealous and very short-tempered driver behind you. You decide to get this sort of thing repaired yourself without asking for aid from your car insurer, and you decide this is something they don’t really need to know. Could this be a problem for you in the future?
Well, yes, and no. It really depends from insurer to insurer, which means you have a responsibility to find this sort of thing out for yourself. Different insurers will have different definitions of what a repair is, and may read it differently from a modification. Your insurer will also ask you questions to determine if your non-disclosure was reckless, deliberate, or inadvertent, and from there, they’ll decide what to do next when you apply for a policy.
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In the game Saint’s Row the Third, living a high-rolling gangster life isn’t easy. Everyday you’re faced with luchadores and Deckers out for your blood on a daily basis, not to mention the local cops and the as well as STAG (or the “Special Tactical Anti-Gang Unit”) are hot on your tail. There is competition to off, assassinations to be done, and bank heists to execute, all before breakfast.
But hey, thug life isn’t without its perks. You’ve got your homies who got your back, and gorgeous cribs to chillax in and call home. (or at least, Home #1, Home #2, and so on. ) You’re packing anti-tank heat, as well as the occasional flame thrower. Oh, and let’s not forget the collection of sweet, sweet rides in your garage.
So, owning a brand-new car might be as easy as throwing its driver out and speeding away on it, but wouldn’t you want to take good care of it too? Be it a powerful Bloody Cannoness motorcycle or a Nyte Blade ride, it could use some good car insurance. Show your love for your ride with some great coverage — and maybe some ill rims.
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In most countries around the world insurance is compulsory for a car as for other vehicles but the compulsion is only limited to having an insurance and not to any particular bank or financial institution. Thus choosing the best and the cheapest car insurance become crucial when looking for an insurance for your vehicle.
Car Insurance becomes vital when our car meets with an accident as the amount received from the company may not be sufficient to cover the damages incurred, that’s where having a cheap insurance becomes crucial. Over the internet we can browse through a number of insurance companies and a million of cheap car insurance schemes but what really matters is the actual amount that a customer has to pay and the coverage levels.
A Cheap Car Insurance should not only be cheap in terms of money we pay as a premium but only in terms of its coverage area. Cheap Insurance should usually cover losses against theft, fire accidents and other road accidents, what a cheap car insurance should not cover is losses against road rages etc. The term “excess” is not clearly explained by some insurance companies so when looking for the right cheap insurance company one should read the term “excess” as defined by the company. Most companies define the term excess as some amount of the money that is part of the claim which is not covered by the insurance company.
One of the major problems with getting the right cheap car insurance across the globe is the way in which these insurance companies calculate the deprecation of cars over the years. Suppose if one loses his car within one year due to robbery etc, he would get a bigger sum as compared to the person whose car is lost after two years of buying. This fact is where most cheap car insurance companies play their tricks, in some companies this difference between these two amounts is really huge while in others it is comparatively low.
The cheap car insurance is a much broader term covering many other factors like the cause of accidents, whether the other party involved had an insurance or not. All this factors are taken into account whenever a claim amount is calculated. Thus getting a cheap car insurance is a process which involves knowing the conditions laid by the insurance company and these must be analyzed before taking any car insurance.
You wake up in the morning, and you see something odd and rather … unsettling about your car through your sleep-addled blurry eyes. Strange… you don’t remember putting glittery stuff around your car, and you remember rolling up your car windows the night before. Wait a minute… it looks like writing on the hood of your car ! “Thanks for the stereo neighbour”?! And smashed-in windows?! The nerve!
Now, calm down – okay, maybe not right now, but you’ll eventually have to settle down. The first think you need to do is call up your insurance company, and report everything to them. Take pictures to document the damage, and make sure the scene is left untouched for the police to investigate. You are going to have to file a claim for this, and once the police finish their investigation and confirm the culprit, your insurance company will go after him or her. You’re also going to have to repair the car tp prevent further damages – don’t worry, your insurance company’s also got that covered. Just make sure that the vandalism does not fall under a Force Majeure clause, and you’re good.
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Most Car Insurance Types can cover anything from car dents to head-on collisions, and sometimes even freak explosions. However, there’s one very tricky claim that some insurance companies will shake their heads at: Force Majeure.
Force Majeure can go by many names: vis major, cas fortuit, or casus fortitius. It also goes by the dramatic and fear inducing term Act of God. ( Perhaps, it ought to be more appropriately termed Wrath of God? But I digress.) In a nutshell. Force Majeure is that tiny clause in a contract that frees one or both parties of any obligation to fulfill in the face of any extraordinary event that goes beyond the control of any of them. Got your car run over by an incoming tank in the middle of a riot? Force Majeure. A group of unruly kids broke your car windows in and scrawled on your gorgeous new paint job? Force Majeure.
It’s also not called Act of God for no reason. Natural disasters such as earthquakes, floods, volcanic eruptions, and so on also fall under the Force Majeure clause.
If you see a Force Majeure clause in your car insurance contract, make it a point to discuss matters first with your agent to be clear about certain coverages.
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Thanks to the Automobile Insurance Cost Reduction Act, New Jersey drivers are able to buy a basic car insurance policy in New Jersey – and what’s cheaper than purchasing the most basic car insurance policy available?
The Automobile Insurance Cost Reduction Act makes it possible for drivers to get cheap car insurance in New Jersey by offering them a policy even cheaper than the standard car insurance policy. The basic car insurance policy includes personal injury protection of $15,000 per person, per accident, and $250,000 per significant or permanent injury. However, the latter depends on the policy definitions. It also includes property damage liability of $5,000 per accident.
Bodily injury liability isn’t included in the basic insurance policy, but it’s an option. If a policyholder chooses to add bodily injury liability, the policyholder will have $10,000 for everyone, per accident.
Uninsured motorist and underinsured motorist coverage aren’t available with the basic car insurance policy, nor is collision coverage or comprehensive coverage. However, collision coverage and comprehensive coverage can be added on, depending upon how the basic car insurance policy was issued.
As you can see, the basic car insurance policy in New Jersey, although it’s the cheapest car insurance in New Jersey, offers very minimal coverage; however, it does offer important coverage, as well as additional features. Those drivers with the basic car insurance policy in New Jersey have the right to take legal action in the event of a motor vehicle-related accident, whereas those drivers without any insurance don’t have that right.
The basic car insurance policy isn’t for everyone. Those drivers who choose to obtain cheap car insurance in New Jersey by purchasing the basic car insurance policy should do so only if they don’t have much family responsibility, they are just starting out in the work force, it is the first car insurance policy they’ve ever purchase, or they can’t afford any other car insurance for whatever reason.
Auto insurance is mandatory in New Jersey, but the type and cost of that coverage can vary considerably. Every day, consumers are finding that there are options available to make it easier to comply with the law. The New Jersey Automobile Insurance Cost Reduction Act mandated that a basic policy be available to all drivers.
It is essential to realize that you are breaking the law if you drive uninsured. The penalties for driving uninsured are getting more severe – in addition to risking economic loss by not having insurance protection, you risk fines, suspension of driver’s license or registration and even time in jail. In the future, your car could be impounded if you are caught behind the wheel without coverage.
The Basic Policy should be considered by those with few family responsibilities and few real assets. It can provide a transition for younger drivers who are just beginning work, providing a basic, minimum protection when they may be least able to afford more comprehensive coverage.
Let’s review the New Jersey auto insurance Basic Policy. The Basic Policy offers less protection, but at a lower cost than the Standard insurance policy.
Bodily Injury Liability
Coverage for claims and lawsuits by people injured as a result of an accident you cause. Coverage is not included but $10,000 coverage for all persons, per accident is available as an option.
Property Damage Liability
Coverage for claims and lawsuits by people whose property is damaged as a result of an accident you cause. Coverage of $5,000 per accident is provided.
Personal Injury Protection
Coverage for injuries sustained in an automobile accident by you or other persons covered under your policy. Coverage of $15,000 per person, per accident and up to $250,000 for permanent or significant injury is provided as defined in the policy.
Uninsured/Underinsured Motorist Coverage
This type of coverage would pay for property damage or bodily injury if you are in an accident caused by an uninsured motorist (a driver who does not have the minimum level of insurance required by law) or a driver who is insured, but who has less coverage than your underinsured motorist coverage. This is not included in the Basic Policy.
Coverage for damage to your vehicle as the result of a collision with another car or other object. This coverage is not included in the Basic Policy.
Coverage for damage to your vehicle that is not a result of a collision, such as theft of your car, vandalism, flooding, fire or a broken windshield. Comprehensive coverage also pays if you collide with an animal. This also is not included in the Basic Policy.
Collision and comprehensive coverage are available as options on policies issued through PAIP (Personal Automobile Insurance Plan) or on voluntary policies issued by some insurance companies. This is very significant for anyone who has a vehicle loan or lease that requires such coverage.
Another affordable car insurance option in New Jersey is the Dollar a Day Auto Insurance Policy or theSpecial Automobile Insurance Policy (SAIP). This is a new initiative to help make limited auto insurance coverage available to drivers who are eligible for Federal Medicaid with hospitalization. Such drivers can obtain a medical coverage-only policy at a cost of $365 a year.
People who are currently enrolled in federal Medicaid with hospitalization are eligible for the Dollar a Day policy. You are eligible if the Card Run Identifier on the upper left of your Medicaid ID card has an asterisk “*” after the code and “SAIP” is printed on the lower right of the card.
The SAIP policy can be obtained at most insurance agencies. There are two payment options: $360 if you pay up front or $365 in two installments.
The policy covers -emergency treatment immediately following an accident and treatment of serious brain and spinal cord injuries up to $250,000. It also provides a $10,000 death benefit. It does not cover -outpatient treatments such as doctors’ visits covered by Medicaid, damage you may cause to other persons or property, or damages to your own car.
The policy only covers those enrolled in Medicaid. If there is one car and several people in the household enrolled in Medicaid, they can all be covered by the same policy. However, there can only be one car per policy.
To apply for this policy, bring the driver’s licenses for all operators of the vehicle to be insured and the vehicle’s registration and your Medicaid identification card that shows that all persons to be covered under the policy are enrolled in Medicaid.
Remember for both of these types of New Jersey car insurance policies, if you do not have any liability coverage; you are responsible for paying for the personal hardships and some economic damages, such as lost wages, that you cause. The insurer will not provide or pay for a lawyer to represent you if you are sued. Your assets will be at risk, including the risk of having money deducted from your wages if a judgment is entered against you. And, if you lack coverage and someone hits you, you cannot sue.
Car Insurance is never cheap even for a middle aged driver with many years of untarnished no claims bonus behind them the cost of insuring a car can be substantial. However for a new or Young driver , car insurance is at its highest and can be prohibitive for many makes and models, It’s a cruel irony that when we are most lacking in finances as is the general rule with most young drivers , that the money required to insure a vehicle is at its highest.
This is not however an unscientific peace of legislation from the car insurance companies. All insurers carry tables of risk for all makes and models and driver characteristics. It is no surprise to find that among the highest risk categories of driver from an insurer’s perspective is the Young or New driver where claims are far more probable. All these factors help to drive the cost of vehicle insurance for a Young driver to the highest levels. Whilst if you are young or new driver you are bound to pay more for your car insurance than an older more experienced driver with a clean record there are still a number of deals to be found online with large savings to be made. Many car insurers are actively seeking new custom and this leads to a lot of competition between insurers fro new customers and no one is newer than a young driver who has just passed his or her test and is looking to insure their first car. Savings can be made by shopping around for the best young driver insurance deals. With the advent of a number of online insurance comparison sites the best deals can now be found in one convenient place. It is also worth noting that some insurers will also offer generous renewal policies for new and young drivers so within a relatively short time say two to three years your insurance premiums can drop substantially.
Half the battle is finding the best and cheapest Young Driver Insurance Deals from the numerous insurance deals on offer. It is also worth noting that savings can be made by taking out a basic car insurance policy such as third party fire and theft style policies where in the event of an accident you are insured against damage to a third party vehicle and drivers. Third Party insurance is generally cheaper than fully comprehensive car insurance cover and in most cases where value of the vehicle your are insuring is small it is worth considering as savings in premium cost can be substantial.
If you’re a new or young driver and you’re now looking to insure your car for the first time or you have been driving for a relatively short amount of time then its well worth checking out a number of comparative young driver insurance deals. Try a visit to Young Driver Insurance UK