All states require that you show some form of financial responsibility, and car insurance is the most common method of meeting this requirement.
Take some time to understand your car insurance limits and coverages and decide how much you need, so you don’t realize after you get in an accident that it wasn’t sufficient.
What Are Car Insurance Coverage Limits?
Car insurance coverage limits are maximum amounts of money that your car insurance will pay out if you make a claim.
For example, if the limit on your collision coverage is $20,000, that is the most that your policy would pay out for damages to your vehicle after a collision.
How Much Car Insurance Do I Need?
There are two different answers to this question. First, you need a certain amount to comply with your state’s law. Second, you need enough to protect your assets.
State-Required Minimum Limits
All states require a minimum amount of car insurance for you to drive legally. Most states have minimum requirements for liability insurance, which pays for the other driver’s injuries (and those of his passengers), as well as vehicle damage to his car.
You’ll often see limits written using two or three numbers, such as 25/50 or 25/50/20, especially when you see state-required minimum limits.
Say your state imposes minimum liability insurance limits of 25/50/10. This means that policy would pay;
- $25,000 for bodily injury for a single person’s injuries in an accident you cause.
- $50,000 for bodily injury for all occupants’ injuries in an accident you cause.
- $10,000 for damage to the other driver’s property.
Some states are considered no-fault states and have no-fault insurance, or personal injury protection coverage (PIP insurance). That means that, regardless of who causes the accident, your insurance company will cover your injuries after an accident.
No-fault laws were imposed to allow drivers to get their medical bills paid right away, instead of having to wait for the completion of a full accident investigation by the car insurance companies.
Check our Car Insurance section to view which types of insurance your state requires and the minimum limits that apply.
Quite often, your state’s required minimum limits won’t provide sufficient coverage after an accident.
When determining how much car insurance you need, consider the following factors:
- Assets: If you have a high net worth, you might want to increase your coverage limits. If you cause an accident, the other driver can go after you in court to obtain money beyond what your insurance company pays.
- Finances: Consider how much you can afford to pay for premiums each month.
- Location: If you live in an urban area, you’re statistically more likely to be in an accident and should consider higher coverage. If you park on the street instead of in a garage, you may be more susceptible to theft and should consider comprehensive coverage.
Vehicle type: If you have a new vehicle, it may be worthwhile to get collision coverage to pay for damage to your car in an accident, and comprehensive coverage to pay for damage to your car due to other reasons.
- If you have an old, low-value vehicle, you might not want to pay for these coverages.
- Other drivers in your household.
Typically, most insurance experts advise purchasing as much car insurance coverage as you can reasonably afford; however, taking the above into consideration will help you determine the right limits for you.
The Benefits of Higher Insurance Limits
Getting higher limits may costs you more upfront but can save you financially in the event of an accident.
The way car insurance works, you’re responsible for paying everything that your insurance company doesn’t pay.
For example, if your limit is 10/20/10, you’re covered for up to $10,000 for an injury to the other driver, $20,000 for the total passengers’ injuries, and $10,000 for damage to the other person’s car.
If the injuries cost, say, $100,000, you’re on the line for $80,000, since your insurance company will only pay $20,000. The other party can go after your assets, such as your house, to get the $80,000 from you, so it may be worthwhile to increase your coverage if you’re worried about protecting them.
When to Consider Lower Limits
The primary purpose of insurance is to protect your property and other assets against risk. If you don’t own property or have many other assets, and your car is old, you can consider keeping your coverage closer to the lower limit allowed in your state.
You might also consider cutting out certain coverages, such as collision or comprehensive since the monthly premiums may cost you more than you’d get paid out in the event of an accident.
Lower limits may also be appropriate if you don’t drive much or live in an area with low population density.
How to Shop for Car Insurance
Determine your needs, finances, and assets before getting quotes from multiple car insurance companies.
If you have questions, speak with an agent about your personal needs to customize a policy with limits that work for you. Don’t just assume that the minimum amount of insurance legally required is adequate.
Pointers for Choosing Electronic Medical Software for Your Practice
Among the most critical requirements for the success of any medical practice is an efficient electronic medical records (EMR) program. While it’s good news that are so many versions of this application today, the variety tends to make choosing harder. But it can get easier with a few important insights in mind.
Below are considerations you should make prior to choosing EMR software for your medical practice:
First off, you need to decide if you want to host both the hardware and the software yourself. In exchange for a license, application service providers (ASPs) sell their software, which will be maintained on their own servers and accessed by users over the Internet. This option is suitable for small practices where upfront costs are lower and IT responsibilities are fewer. Some ASPs provide locally hosted systems, which means the server will be placed in your office and maintenance will be performed there too. In any case, allowing another entity to manage your patient data comes with risks, so you need to clear out issues on data ownership and business continuity before you commit to any ASP.
Usually, choosing a system for a small practice usually starts with product demonstrations. Vendors may not be willing to submit to a formal RFP process when dealing with a small practice. You need at least five potential systems for your review. Work with other local doctors if possible. Consider teaming up with them to simplify the process and even offer leverage with vendors too.
Whether or not you plan to go solo, you have to establish a selection system. This will let you focus on reviewing your options in a consistent manner, making appropriate comparisons, and warding off distractions from sales pitches.
Creating a selection team to review your potential systems is a good beginning. Make sure the group is composed of at least one representative from each department that will be using the system, such as quality improvement, nursing, billing, IT, and the rest. Then come up with a list of questions to ask as each candidate EMR software is reviewed. To be able to study every feature and functionality meticulously and systematically, use an evaluation matrix or any other similar tool. This will also help make sure that you have covered every single area. Then compare the programs based on three general criteria – workflow, ease of use, and cost.
Finally, during product demos, make sure all staff are involved. Because everyone’s needs must be satisfied, everyone should be part of the evaluation process too. The salesperson shouldn’t be the one to “drive” the product during a demo. Instead, make use of actual and specific scenarios of patient visits so you know how compatible the system is with your workflow. This is the closest you can get to seeing how the system will likely be useful in your day-to-day operations.
Four Very Helpful Tips You Should Keep in Mind When Picking a Seattle Dentist
Choosing the right Seattle dentist is a very important decision, especially if you are someone that wants to take good care of your dental health. Now without the right ideas regarding the factors that you should carefully consider before making your decision, things can get a little difficult for you. For those that want to have an easier time with the task of finding the right dentist, then here are four very helpful tips for you.
Firstly, if you are someone that has a dental health plan, it is imperative that you consult it before you even decide to look for a dentist in Seattle today. This is because it can actually limit your options, and that’s because companies that offer these health plans usually dictate the dentists that you can go for. You should not worry about this though, and that’s because most of the dentists recommended by these health plans are usually capable ones, and you get to use the plan you invested in as well.
Secondly, before you start your search, you should also take into consideration the type of dental services that you will be needing. Dentists also have their own specializations, and like picking your doctor, going for the one that has the specialization you need is your best course of action. As an example, if you need cosmetic dental services, going for one that specializes on that field will ensure that you get the results you really want.
Another very important factor that you should consider before making your final call, is accessibility. You want easy access to the clinic of the dentist you pick, and that’s because it will make things a lot more convenient for you. Basically, the closer the clinic is to your home or regular travel routes, the better accessibility you will have for it.
Last of all, the feedback that the dentist gets from current and previous clients, is also worth taking into consideration. The feedback that they receive from their clients, are great sources of insights regarding the quality of services that you can expect from them. More often than not, you can safely assume that their services are worth going for, if they get a lot of positive feedback.
In the event that you are still on the lookout for a Seattle dentist at the moment, do try to take these four very useful tips to heart. They can provide you with a lot of help, especially when it comes to picking dental services that you won’t regret going for.
Source: dentists seattle
A lot of individuals know that cigarette smoking is actually hazardous to their well being, yet they really don’t think much about precisely how it affects their own teeth. The fact is that cigarette smoking may have a substantial impact on an individual’s teeth and therefore quitting smoking might start to lessen these troubles quickly. Giving up smoking is not going to resolve the issues that have already transpired, yet it is going to prevent even more problems in the future that probably would not have occurred in case an individual had not started cigarette smoking.
Cigarette smoking is well-known for staining someone’s teeth. Each and every cigarette plays a role in the discoloration, so many people who smoke have yellow-colored teeth no matter how frequently they brush. Cigarette smoking furthermore brings about injury to the teeth themselves as well as causes it to be much more likely someone may experience teeth cavities as a result of damage being done each time they smoke. There is also a higher potential for an individual developing oral diseases or cancer. This implies someone that smokes likely isn’t going to have teeth that appear to be fantastic and quick repairs such as tooth whitening methods will not last long at all and also will normally not be really worth the money until the man or woman quits smoking.
A person who desires to give up smoking cigarettes might speak with their dental professional and their particular medical doctor. Their dental professional could let them know just how smoking cigarettes will be influencing their teeth and also what will happen in case they give up smoking, that could supply them with the inspiration they have to have to be able to give up. Speaking with their particular medical professional can help them discover a lot more about the plethora of approaches that can help them to end. The medical doctor may either recommend particular help or perhaps provide them with suggestions about precisely what they can try if just what they are doing now isn’t working very well. All of this assistance may make it much simpler for the person to stop smoking cigarettes.
If perhaps you smoke cigarettes and wish to find out more about the impact it really is having on your teeth, have a look at A Fantastic Read today. You’ll be able to Learn More Here once you fill in this contact form to be able to talk with someone today. Also, make sure to look at this page so you’ll make sure to have almost all the information you need to be able to contemplate giving up and also in order to find out precisely how you can make giving up smoking simpler.
The next time you’re on the freeway, think about this: Approximately one of every seven U.S. drivers on the road has no automobile insurance. That’s the most recent estimate from the Insurance Research Council, which noted that the five states with the highest percentage of uninsured drivers were Florida, Mississippi, New Mexico, Oklahoma and Tennessee. With that many people driving without coverage, it’s more important than ever for you to be insured. But how much car insurance do you need to have?
If you’re like many people, you might be in an economic pinch these days. Your inclination might be to get the minimum insurance coverage required by law in your state. The trouble with minimum coverage is that it might not fully protect you – or your assets – if you’re at fault in an accident. It’s a better idea to carry more than the minimum coverage unless you are driving an older car with little value and have no assets to protect.
Every state in the nation except for New Hampshire requires you to have liability insurance. That mandatory coverage varies according to state.
The chart below shows minimum liability limits (in thousands of dollars):
- Bodily injury liability for one person in an accident
- Bodily injury liability for all people injured in an accident
- Property damage liability for one accident
In Alabama, for example, the minimum requirements are $25,000 of bodily injury liability for one person, $50,000 bodily injury liability for all people in an accident and $25,000 property damage liability. Another type of coverage, personal injury protection (PIP), or a system called medical payments (MedPay) in some states, pays for your own medical expenses, any lost wages and whatever other costs may arise when you’re injured in an accident. It usually pays about 80 percent of your losses, and it also pays a death benefit. PIP is required in Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah. In Arkansas and Maryland, the coverage is not required, but drivers must reject it in writing if they choose not to purchase it.
Some states also require you to purchase car insurance that will cover your medical expenses, pain and suffering losses and, in some states, car damage, in the event that the other motorist is at fault and is either uninsured or underinsured. The chart below also lists the states that require this uninsured or underinsured motorist coverage.
Even though each state, except for New Hampshire, has minimum requirements for bodily injury liability, it is probably in your best interest to purchase higher limits. If someone else is injured and you’re at fault, the minimum liability coverage may not cover the other motorist’s medical expenses, in which case he or she will most likely come after your assets. Insurance experts generally recommended that you purchase 100/300 limits of bodily injury liability (meaning $100,000 for one person in an accident and $300,000 for all people injured in one accident). On the other hand, if your personal assets don’t amount to much, there’s little for another driver to get if he were to sue you. The minimum requirements might actually suit you and will save you some much-needed cash.
Besides various forms of liability insurance, there is collision and comprehensive auto insurance coverage to consider. Collision insurance covers damage to the policyholder’s car resulting from running into anything, be it another car, a fire hydrant or a light post. Comprehensive coverage takes care of your car in the case of theft, fire, falling objects, explosions or other unexpected problems.
Collision and comprehensive coverage are required in most lease contracts, and are essential if you own an expensive car. If you’re driving a rattletrap, on the other hand, and the sum of your premium and your deductible are close to the value of your vehicle – or if they exceed it – you might want to consider doing without this coverage.
Before you purchase any type of auto insurance coverage, be sure to study your other insurance policies so you don’t end up paying for something you don’t need. If you have a decent health insurance plan, you might get away with purchasing the bare minimum personal injury protection coverage – or none at all if your state doesn’t require it. However, you might end up paying a co-pay and deductible that wouldn’t apply if you have PIP or MedPay.
Uninsured or underinsured motorist coverage also might be a wise buy, even if you have full medical coverage, since it can pay for your pain and suffering damages. If you’re offered roadside assistance coverage by your insurer, you might not need it if you already belong to an organization such as AAA that offers it. The same thing applies for mechanical breakdown insurance. If you own a newly financed or leased vehicle that’s still covered under warranty, such coverage is unnecessary.
It’s easy to resent having to spend money on insurance. But keep in mind that auto insurance will most likely come to your rescue at some point, so it’s imperative to purchase a worthwhile policy. Know what coverage you must have and know what additional coverage fits your lifestyle. Then if trouble strikes, you’ll be ready.
Want to Learn How to Stop Snoring? – Follow These Four Very Practical and Handy Tips Now
Snoring is definitely a problem that has annoyed many of us throughout the years, and something that we all want to get rid of. For those of you that are in search of knowledge regarding how to stop snoring more effectively, then you can start with the four that you will find below.
The first solution that you can try, if you tend to snore a lot, is to simply check if changing your sleeping position changes things for you. Whenever you sleep, vibrating sounds can be generated, if there is a collapse on the back wall of your throat, by your soft palate and of course, the base of your tongue. Sleeping on your side can help you prevent this from happening, and that’s why you should figure out a sleeping position that allows you to do so. To improve comfort, you can consider looking for a body pillow that is long enough to support all your body weight if you go for such a position.
Second, there have been a lot of people that have claimed, their snoring problems only started after their weight has increased. By gaining weight around the neck area, it is possible that internal diameter of your throat will be squeezed, collapse, and result in snoring during sleep. If you are one of these individuals, then losing weight may be able to help you rid yourself of this annoying problem.
Third on this list of solutions, is to attempt changing your sleeping habit, but be warned that it will require a lot of effort on your part. Snoring can definitely develop if you are someone that tends to work long hours and basically have a lifestyle that doesn’t give you enough sleep. You should keep in mind that muscles tend to be floppier and leads to snoring if you sleep too deep and hard.
Last but not the least, always remember to keep your body hydrated, and you can do that by drinking plenty of your friendly neighborhood, water. Since the secretions of your nose will be stickier if you aren’t hydrated properly, this annoying problem can definitely arise.
So if you are someone that is currently trying to deal with your snoring problems, these are four examples of the actions that you can take. It goes without saying that consulting a doctor is something you should take into consideration, in the event that simple solutions such as these, don’t help you at all. That said, hopefully these few solutions will be able to help you out during your attempt to learn how to stop snoring more effectively.
Getting the Best Stethoscope
There are a number of things that you have to consider when you are selecting the stethoscope you should purchase. For one, you need to determine all of your needs so that you won’t end up with the wrong one. Another important consideration that you have to take into account is your budget, which will have a great impact on which one you can get for yourself. Here we are going to provide you with all the tips that you can use so that you would be able to find the right one for you.
Stethoscopes come in a lot of kinds. There are so many similar stethoscopes that you can have but there are also those that you can personalize. One of the things that you have to take into account when choosing the stethoscope is your specific area of expertise in the field of medicine. This will point you towards the right direction in the selection process. Depending on your expertise, you can have pediatric stethoscopes, cardiology stethoscopes, and so many others. All the types of stethoscopes are different from others because of their specific features that enable medical practitioner to perform their duties. There are two main types and they are the acoustic and electronic stethoscopes. To be able to expose yourself to all the options available for you, you need to give both a look. If you are aiming at getting the best one when it comes to the quality of sound being produced, then the electronic type is the best thing for you. Another great thing about them is that they usually come with noise filters and they can allow you to have a perfect range so that you’d be able to hear what you are aiming at more clearly. You can also get the noise reduction stethoscopes, which are perfect if you want to eliminate all the unwanted noises that you can hear in the background. The acoustic stethoscopes are perfect for those who are looking for a highly reliable tool that they can use almost anywhere.
Of course there are a lot of other types that are available for you. Among the ones that you have to check out is the recordable stethoscope. There are more and more people who choose to buy it because it can allow the doctor to record the entry and listen to it later when it is needed. These types would need a laptop or a computer that they can attach to so that they’d be able to store up the information being gathered.
It is very important that you conduct your own search for the best stethoscopes that you can find and from that, you can get to know all about the features and functions that these tools can offer you.
Source: nurse stethoscope
Comparing your Virginia insurance online
Smart shoppers are discovering that they can save more money by comparing automobile insurance online before committing to a coverage provider.
Shopping for insurance online has become common because it makes it simple to shop around for the best price. You can compare top insurance carriers online or over the phone, with knowledgeable agents, and save hundreds more on your coverage.
You can choose a plan at your own pace. If you’re confused about your options, qualified agents will be glad to help walk you through plans that are right for you and your budget.
Whether you’re the type of person who makes quick decisions about car insurance or someone who wants to know as much as possible before making the important purchase, our site can meet your needs.
The information you provide to get your quote is secure. Insurance companies are very serious about online security, and they invest a great deal in protecting your information from hackers.
Complete a simple form, which describes the coverage you are looking for, and then speak to a helpful representative who can answer any questions about your coverage. You can receive a quote and start saving money. There’s no surprise that a growing number of consumers are choosing to compare automobile insurance online. Save more on your coverage today.
Getting deals on automobile insurance
You can find huge automobile insurance discounts with ease. Know where to look and start saving. Here are different ways to help you save money on your auto insurance:
- Survival of the Fittest – The insurance business is very competitive, and everyone wants your business. Most companies are willing to give you a discount if you switch to their coverage. You might even be able to use a competitor’s offer to bargain down what you pay with your current insurer.
- Location Location Location – Insurance rates will vary depending on where you may be looking. If you live in a city, you likely will pay more than a suburb because your risk of getting in an accident is greater due to more traffic. Consider looking beyond where you live to get better rates.
- One Stop Shop – If you have more than one insurance policy with a company you may be eligible for a significant discount. Consider putting your automobile and home insurance with the same company to get a nice discount.
Compare FREE quotes and save hundreds on your car insurance!