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Why Do You Need to Have an Adequate Car Insurance Coverage? Nowadays, when you buy a car, you must also carry adequate insurance. You may be wondering why do you have to cover the extra cost of the insurance. Actually, the premium is affordable and you can get discount when you buy it online. It is common for people to get into accident every once in a while. Therefore, it is best to always equip yourself with adequate insurance coverage just to be on the safe side. Driving a car without car insurance is illegal. If you get caught, you may get a hefty fine. The premium of your car insurance policy must meet the minimum requirement of your state. Every state has different insurance requirements. Most of the states require you to have liability insurance. Some states like New York and Florida require drivers to have a personal injury protection. Having an adequate car insurance can protect your finance in case you encounter an accident. If your car collide with someone else's car and you are at fault, you will have to pay an expensive damage fees. The damage fees will cover the other party's car's damages along with the hospitalization or medical fees of the driver or passengers. The damage fees often reach up to a few thousands dollars. You will be broke if you use the money from your savings to pay the damage fees. If you don't pay for the damages, the other party may sue you in the court. If you have an insurance policy, you just have to file a claim and they will reimburse the damage fees. You may want to consider getting a comprehensive/collision car insurance as it not only protect the damages of the other party's car but also the damage you suffer as a result of the accident. Many people who drive on the highway don't carry enough car insurance. For this reason, if someone collide with your car and run away, you will at least can claim the damage fees from your insurance company. Comprehensive/collision coverage provides coverage when you accidentally hit an animal that is crossing the road. It covers damages on the broken windshield, hail damage, fire damage or collision that happen as a result of a storm. Your comprehensive insurance will also reimburse the compensation on a stolen vehicle that has gone missing for over 1 month. It gives you coverage over any type of vandalism performed on your car, for example, someone uses a key to scrap the paint off your car. It offers coverage when your car is damaged due to high flooding water caused by a hurricane. It is your comprehensive coverage that will pay for the damages when your car is being smashed by a fallen tree. The comprehensive coverage will protect your vehicle when it is parked in place. Your home insurance will not provide coverage when the garage collapse or other physical damages happen when it is parked. When purchasing car insurance, you have to choose a deductible. The deductible is the amount that you have to pay upfront when you want to claim a compensation. Higher deductible reduce your annual premium cost but lower deductible can increase your annual premium cost. Let's Learn More About How to Get Cheap Auto Insurance Do you have the right car insurance? Well, many people think that it is a must to have the right car insurance. It will be better if you get the best one with cheap auto insurance. While most people know whether they have liability, collision or comprehensive coverage, some people pay much attention to their insurance coverage until after they have been in an accident, the others just do not really care about it. Shopping for car insurance is an important planning topic that is often overlooked since most teenagers are added to mom and dad's insurance policy when they first get behind the wheel and then later shop for the least expensive policy when they have to the pay the bill on their own. In this article, we will be discussing car insurance coverage and so you will get some tips to help you get the most for your money. Cheap auto insurance has two primary benefits. The first one is protecting your assets and the second one is protecting your health. Getting the proper coverage is the first step in the process. These are the basic types of coverage with which most people are familiar: 1. Liability: This coverage pays for third-party personal injury and death-related claims, as well as any damage to another person's property that occurs as a result of your automobile accident. 2. Collision: This coverage pays to repair your car after an accident. It is required if you have a loan against your vehicle because the car isn't really yours - it belongs to the bank, which wants to avoid getting stuck with a wrecked car. 3. Comprehensive: This coverage pays for damage incurred as a result of theft, vandalism, fire, water, etc. If you paid cash for your car or paid off your car loan, you may not need collision or comprehensive coverage. In addition to the coverage listed above, other optional coverage types include the following: a. Full Tort/Limited Tort: Your insurance will be reduced by a few dollars if you give up the right to sue when you get an accident. However, giving up your rights is rarely a smart financial move. b. Medical Payments/Personal Injury Protection: Personal injury protection pays the cost of medical bills for the policyholder and passengers. If you have good health insurance coverage, this may not be necessary. c. Uninsured/Underinsured Motorist Coverage: This type provides for medical and property damage coverage if you are involved in an accident with an uninsured or underinsured motorist. d. Towing: Towing coverage pays for a tow if your vehicle cannot be driven after an accident. If you are a member of an automobile service, or if your vehicle comes with roadside assistance provided by the manufacturer, this coverage is unnecessary. e. Glass Breakage: Some companies do not cover broken glass under their collision or comprehensive policies. In general, this coverage is not worth the long-term cost. f. Rental: This insurance option covers the cost of a rental car, but rental cars are so inexpensive that it may not be worth paying for this coverage. g. Gap: If you demolish that $35,000 sport-utility vehicle 10 minutes after you drive it off the lot, the amount the insurance company pays is likely to leave you with no vehicle and a big bill. The same thing applies if your new set of wheels gets stolen. Gap insurance pays the difference between the blue book value of a vehicle and the amount of money still owed on the car. If you are leasing a vehicle or purchasing a vehicle with a low, or no, down payment, gap insurance is a great idea.

So, the Department of Mineral Resources (DMR) has been knocking on your door about the dust emissions on the mine. Or perhaps the community has been complaining about pollution. Whatever your motivation - are you aware of what dust control entails? What is available on the market? What is regarded as "best practice"? What additional benefits can be offered? Who are the market leaders? A scenario that presents itself too often is a request for quote (or better known as a RFQ) for the supply of a dust control unit for a mine. The RFQ would typically contain detailed specifications formulated by the engineering department and passed on to the supply chain managers that subsequently issued the RFQ to potential suppliers that has been identified by the commercial department. Nothing out of the ordinary there. Or is there? What really happened is that the engineering department had collaborated with the commercial department to come up with a scheme to waste funds. Let me explain. What should have happened is for the engineering department to first recognise the fact that they are mining experts and not emission control experts. Therefore, it would make sense to consult with experts on the matter, and come up with a scope of supply that makes sense. A logical starting point would be to speak to your neighbours. Remember that, when it comes to ground water and air contamination, your neighbour would want you to put in at least as much effort as he does. Because pinning down an environmental criminal is like trying to 'pin the tail on the donkey'. Pollution created by your neighbour could settle on your front porch and make you look like the guilty one, and similarly, measures implemented by your neighbour could benefit you. If both you and your neighbour implement effective measures, the DMR will have to look elsewhere for a culprit. Another very important reason for looking at what your neighbour does to curb emissions, is to form an idea of what works and what doesn't. But there are a few simple considerations that should cross your mind before you decide on how to approach the decision making process for a dust control system: 1. Extraction or suppression 2. Chemical or water only 3. High or low pressure (fog or spray) Extraction vs Suppression: A dry filtering system (bag house) is an effective way to control dust emissions. Airborne dust is sucked up through ducting chutes above each transfer point. The dust is then collected via filtering of the air. An alternative is to separate the air and dust via wet cyclone scrubbers. However, capital expense and maintenance cost often makes this option not viable in most cases: 1. High capital cost - multiple extraction points required. 2. Labour intensive and costly maintenance 3. Short lifespan 4. High energy cost 5. Waste product to deal with (collected fines) 6. No lasting (downstream) benefit Suppression in general is a better option than extraction primarily due to the fact you would not have to deal with collected fines, and maintenance is not labour-intensive. An additional benefit is that you do not remove sellable material from the ore stream. Even if you have had no previous experience with emission control technologies, you could implement an effective program to reduce airborne dust. The key is to speak to the right people and consider the following: 1. Does the potential supplier have reference sites 2. Can you visit the sites 3. Do they effectively reduce emissions Once you have the answer to the above, your next set of questions should be (in order to select potential suppliers): 1. How many sites does the potential supplier have 2. Does he have experience with your material 3. Are the system maintenance friendly (cost effective) 4. If chemicals are used - are the chemicals safe for employees 5. Will the chemicals interfere with mining processes 6. Can they prove emission levels 7. Can they prove consumption figures Benmarc has been the recognised leader in dust mitigation around the world for more than 35 years. South African reap great environmental benefits from the services provided by Benmarc and its dedicated team of expert dust control specialists. Currently the company serves Manganese, Iron Ore, Limestone, Kimberlite, Coal, Chrome and Nickel mines effectively. Emission control is serious business, and Benmarc is a serious company. Article Source: http://EzineArticles.com/9863002

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