How is Car Insurance Explained

Car Insurance-Understanding the Basic Stuff

Insurance Info & Best Deals

You probably know what car insurance means if you already have one. But for those who are still not familiar with how car insurance works and its various components, this article will flash some light on the basics.

Obviously, car insurance means that you are insuring your car with an insurance company to take care of the expenses that may arise out of your driving incidents plus any non-driving incident that involves your car. Okay this explanation sounds pretty good at first impression, huh?auto insurance

But people who are quite fresh to the concept of car insurance may not understand how their car could get involved in non-driving related incidents. Okay, you got a valid point; let me explain. Suppose you parked your car and went off to catch up on some sleep. Same night, foxy burglars decide to steal your car, or maybe it was your unlucky night and the entire neighborhood gets flooded and the floods turn your car into a boat and sail it away.

Both these incidents are NOT driving related but definitely involve your car. Ahh, now you get my point What are Car Insurance Groups?

In the UK, car insurance groups are in place to make the selection of your insurance policy easier. Overall there are 50 car insurance groups, and each of these groups is classified depending upon a lot of factors like the automobile brand, the costs that are likely to be incurred in repairing any damages, the amount of time taken to replace the parts, the security measures installed by the car owner to protect it from possible theft or damage, the maximum acceleration or speed capacity that the car can reach etc.

To these general factors are added the personal factors of the car owner like his / her driving history.

Overall, it is just an easy and systematic method devised by the Group Rating Panel, to quickly estimate the car insurance policy premium amount payable by the car owner.
Factors Involved in Car Insurance Policies

When you opt for a car insurance policy, you are actually being covered for many factors. These factors will depend upon the policy you opt for. Each country and each State within a country may have different set of optional and non-optional insurance factors. Here is a list of factors that are commonly included as a part of the policies.

Liability

All costs incurred in event of an accident are covered by this factor. Any damage to the other person related to the automobile, property or physical injury, including the compensation for medical treatment or lost wages are all covered by the Liability factor.

Medical Coverage

As the term obviously suggests, it covers all medical expenses arising out of an accident and is paid irrespective of who was at fault.

PIP

This is also a type of medical coverage for the insured person, irrespective of who was to blame in the accident.

Collision

This pays for all damages due to collision of your vehicle with other objects or other vehicles.

Comprehensive

This covers all damages and expenses related to non-accidental causes.Uninsured and Underinsured Motorist

Both these factors will cover all vehicular damage expenses caused to the insured driver’s automobile, caused by an uninsured / underinsured (insufficient insurance) motorist.

Rental Reimbursement

This factor covers expenses arising out of accidental damage to your rental car and usually has allowance on a daily basis.Synopsis

It is necessary to understand the basics of your car insurance before you select an insurance policy. Understanding the basics also puts you in a position to better evaluate the kind of policy you need.

Tags: call us for the rates on car insurance

Flaunt Your Skills As An RJ & Scale New Heights In Your Career

rj_061516061500Radio jockeying  is an exciting career option. However to become a good and in demand RJ, a good and clear voice is not only the sole criterion. You must be able to reach out and touch people through your voice. The listener must be made to feel like that you are voicing his/her opinions. You must have the charm and persona to appeal to people of all ages. Most importantly, a good RJ must be a great connoisseur of music and must have the capability to identify and relate to great music. The RJ must have the skill to convert even those who dislike a particular song to fall in love with it.

2-1Here I present you the essential skills of an RJ:
Retain Your Uniqueness: Do not imitate the style or persona of other popular RJs. Try to be yourself and be firm in your opinions and voice your likes and dislikes without hurting anyone.

Talk to your Listener: your listener should be made to feel like he or she is the one person to whom you are talking directly. One major factor that all RJs should remember is that you should not address your audience on the whole, rather individually.

Be precise in your conversations: RJs who talk for a long time just to fill up the timeframe end up feeling repetitive and boring. So be precise, clear and cut to the point instead of beating about the bush.

Have an outgoing personality: No matter your age, you should always feel young at heart. Have a warm personality and do not sound obnoxious. Shut down your shyness, embarrassment and come out of your shell.

Follow these tips and you can be a great RJ in no time. Also it pays to get some professional training to ace your career. Have fun and keep rocking!

Read Also: A Peep Into The Shaky Future Of Radio

A Peep Into The Shaky Future Of Radio

mcr-shaky15-5A recent report by the popular survey takers Nielsen reported that traditional means of broadcasting radio is still the most popular method used by radio stations in the US. According to the survey taken, it was found that more than two-thirds, nearly 63% claim that they discover new music through conventional radio stations. This report further claims that while music lovers have migrated to new forms of listening to music, the traditional AM/FM stations are here to stay, at least for the near future.
The survey further reported that while younger listeners listen to their music on newer platforms like spotify, traditional methods like local radio stations and word of mouth continue to dominate the music scenario. David Bakula, the Senior Client Development Head at Nielsen says that never before has the music industry been so vibrant. With new digital technology to access music, there is a great increase in the final consumers of music.

imageWith a detailed glimpse into the report one can understand that the number of users who listen to FM/AM radio every week has pretty much remained the same throughout the last decade. According to the data published by the Pew Research Center in the US, it was found out that 92% of people aged more than twelve years listened to traditionally broadcast radio at least once a week. This number has gone down by a meager 2% when compared to the year 2002.

The broadcasting and telecommunication industry of UK released its annual digital report. This report claims that more consumers are still buying FM radio equipments. All these predict a strong future for the radio industry. Though it may feel like traditional broadcasting is gradually sidelined by digital technology, the numbers claim the opposite.

So all radio lovers, your favorite mode of entertainment is here to stay and reign in the coming years.

Read Also: All That You Need To Know To Get Started With Podcasts

All That You Need To Know To Get Started With Podcasts

podcasts_612x380_0You would have come across the term Podcasts and often wondered what those are. Worry not, in this short guide, we introduce to the vibrant world of Podcasts. Whatever be your favorite genre or interest, you are sure to find some interesting podcast to listen to.

The Basics of Podcasts
Podcasts aren’t all that different from regular radio shows. The major difference is that those who create these podcasts distribute it over the World Wide Web instead of on air. This means you can listen to any Podcast from any corner of the world. A great feature of Podcast is that you can find any topic of your choice and listen to it whenever the mood strikes you. You don’t have to worry about missing your favorite show. The time, the show and the fancy to listen are all at your disposal.

554082_e05117ada5d5444cb041449515738d01-mv2_d_3000_2000_s_2How to find Podcasts?
How to find podcasts that interest you? Well, you can find podcasts on your favorite topics with the help of a podcast manager. A podcast manager is simple software that gives you podcasts of your choice. It also helps to keep track of episodes that you have listened and downloads the next episode in that particular series right for you. It also helps you find new podcasts based on your interest. You can listen to the podcasts at your convenience while travelling, while working out and so on. It’s as simple as it gets.

Which is the best Podcast Manager?
There are several types of podcast managers like desktop, mobile and online podcast managers. You can use a desktop manager if you listen to podcasts on your desktop or laptop. Just download the podcasts to your system and upload them to your music player and listen. There are also several podcast managers for your mobile phone. Use them to listen to podcasts directly on your mobile phones directly.

Give podcasts a try and discover a whole new world of entertainment.

Read Also: Sky News | Radio News Bulletin

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