Automobile insurance is important because car accidents are common and even minor accidents can result in thousands of dollars in damages. An auto insurance policy is a contract where the policyholder pays a premium in exchange for the insurance company covering specified financial losses, such as damage to vehicles, medical bills, lost wages, and legal fees from an accident. Factors like age, gender, vehicle type, driving record, location, and choice of deductible affect insurance premium costs. Maintaining good driving habits can help lower insurance rates over time.
A two-wheeler insurance policy is one that helps you to cover financial expenses against any unforeseen circumstances including accidents, thefts or natural disasters, if you are an owner of a two-wheeler/bike.
Powerpoint, adapted from a powerpoint available on the web by the Texas Department of Insurance. Review of the basic types of insurance and their reasons.
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
Get helpful insights on types of insurance policy like life insurance, child insurance, investment plans, ulip plans, pension and others. For more information visit - www.aegonreligare.com
This presentation highlights about Motor Insurance, Types
Basis of Sum Insured, Dos and Don'ts for Motor Insurance and
General Advice for Motor Insurance
Learn the basics about auto insurance from PEMCO Insurance. This abbreviated version is geared toward high school students, or anyone else who wants to know the basics: how insurance works, why you need it, how to keep your rates down, and types of auto insurance coverage.
A two-wheeler insurance policy is one that helps you to cover financial expenses against any unforeseen circumstances including accidents, thefts or natural disasters, if you are an owner of a two-wheeler/bike.
Powerpoint, adapted from a powerpoint available on the web by the Texas Department of Insurance. Review of the basic types of insurance and their reasons.
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
Get helpful insights on types of insurance policy like life insurance, child insurance, investment plans, ulip plans, pension and others. For more information visit - www.aegonreligare.com
This presentation highlights about Motor Insurance, Types
Basis of Sum Insured, Dos and Don'ts for Motor Insurance and
General Advice for Motor Insurance
Learn the basics about auto insurance from PEMCO Insurance. This abbreviated version is geared toward high school students, or anyone else who wants to know the basics: how insurance works, why you need it, how to keep your rates down, and types of auto insurance coverage.
To help you better understand Pennsylvania Automobile Insurance Law, the Heslin Law Firm has prepared this guide. We hope this will assist you in making decisions on what type of automobile insurance is best suited for you and your loved ones. Keep in mind, these are only suggestions, but they are based upon dedicating my practice of over 30 years to issues involving automobile insurance law. Over the years, I've seen how a person's selection of an automobile insurance policy can have devastating effects on the financial future of that person or their family. I sincerely believe that this guide will help you choose the automobile insurance that is best for you.
Learn What to Do After a Car Accident That Is Not Your FaultDavid Azizi
In this presentation, David Azizi will help you understand the answers to the most common question people ask if they’re hurt, their car is damaged and they’re not able to work: what happens now?
Learn what steps are taken after a car accident, making sure you have the adequate insurance to prevent calamity.
Original source: https://www.azizilawfirm.com/car-accident-lawyer/after-wreck-not-your-fault
Auto insurance is basically an agreement with insurance companies which will pay for your certain types of financial losses, arising from your use or ownership of any automobile. To get this agreement, called auto insurance policy, you pay certain amount called premium.
Regardless of the safety auto insurance provides, it is the fundamental law to insure your vehicle. It not only saves your financial stability but also looks after the safety of the vehicle and the third party involved in an accident. Auto insurance is a need because life on the road is always uncertain. People make mistakes in costing your lives. Insure your vehicle to be on the safer side, physically, legally, and financially.
How to Reduce your Premium with Low Code Insurancebridgenetins
For lowering the auto insurance expenses, what are our options? You need to look into the list of opportunities for reducing the cost of your auto insurance with low-code insurance.
Everyone has auto insurance, if for no other reason than we are required to in order to own and operate a vehicle, details are here http://www.americantristarinsurance.com/
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
Francesca Gottschalk - How can education support child empowerment.pptxEduSkills OECD
Francesca Gottschalk from the OECD’s Centre for Educational Research and Innovation presents at the Ask an Expert Webinar: How can education support child empowerment?
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Biological screening of herbal drugs: Introduction and Need for
Phyto-Pharmacological Screening, New Strategies for evaluating
Natural Products, In vitro evaluation techniques for Antioxidants, Antimicrobial and Anticancer drugs. In vivo evaluation techniques
for Anti-inflammatory, Antiulcer, Anticancer, Wound healing, Antidiabetic, Hepatoprotective, Cardio protective, Diuretics and
Antifertility, Toxicity studies as per OECD guidelines
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
2. Automobile Insurance: The Basics
What is the likelihood you will be in anWhat is the likelihood you will be in an
automobile accident?automobile accident?
There are more than 12 million motor vehicle accidentsThere are more than 12 million motor vehicle accidents
annuallyannually
The typical driver will have a near automobile accident one orThe typical driver will have a near automobile accident one or
two times per monthtwo times per month
The typical driver will be in a collision of some type on averageThe typical driver will be in a collision of some type on average
of every 6 yearsof every 6 years
Crashes are the leading cause of death for ages 3-33Crashes are the leading cause of death for ages 3-33
3. Automobile Insurance: The Basics
Even a minor accident can result in thousands ofEven a minor accident can result in thousands of
dollars in damagesdollars in damages
•Damage to your carDamage to your car
•Damage to other cars involvedDamage to other cars involved
•Medical BillsMedical Bills
•Lost wagesLost wages
•Pain and sufferingPain and suffering
•ProsecutionProsecution
•Legal FeesLegal Fees
•FinesFines
4. Automobile Insurance: The Basics
What is Automobile Insurance?What is Automobile Insurance?
An auto insurance policy is a contract between youAn auto insurance policy is a contract between you
and an insurance company.and an insurance company.
You pay a premium, and in exchange, the insuranceYou pay a premium, and in exchange, the insurance
company promises to pay for specific car-relatedcompany promises to pay for specific car-related
financial losses during the term of the policy.financial losses during the term of the policy.
5. Automobile Insurance: The Basics
If you are in an accident how doIf you are in an accident how do
you pay for it?you pay for it?
Bank Account?Bank Account?
Parents?Parents?
Rich Uncle?Rich Uncle?
Best Friend?Best Friend?
Insurance?Insurance?
6. Why do I need auto insurance
• It’s the law!It’s the law!
• There are risks you can’t afford to takeThere are risks you can’t afford to take
• What happens if…What happens if…
– You’re involved in a crash that causes propertyYou’re involved in a crash that causes property
damage?damage?
– You hurt yourself or someone else?You hurt yourself or someone else?
– Your car is damaged when you’re not driving it?Your car is damaged when you’re not driving it?
(by weather, vandalism or a hit-and-run)(by weather, vandalism or a hit-and-run)
– Your car is stolen?Your car is stolen?
– Your car breaks down and needs to be towed?Your car breaks down and needs to be towed?
7. Automobile Insurance: The Basics
Are you a risk to the insuranceAre you a risk to the insurance
company?company?
To keep premiums as low as possible to the insured,To keep premiums as low as possible to the insured,
a screening process is completed before ana screening process is completed before an
insurance contract is completedinsurance contract is completed
8. Automobile Insurance: The Basics
What is the insurance companyWhat is the insurance company
looking for?looking for?
Some vehicles, and some drivers, carry more riskSome vehicles, and some drivers, carry more risk
than othersthan others
•Low risks will be charged a lower premiumLow risks will be charged a lower premium
•High risks will be charged a higher premiumHigh risks will be charged a higher premium
9. Automobile Insurance: The Basics
What determines your premium?What determines your premium?
AgeAge
GenderGender
Vehicle TypeVehicle Type
Driving RecordDriving Record
Geographic LocationGeographic Location
10. What is a Deductible?
This is the amount per accident that you pay outThis is the amount per accident that you pay out
of pocket before insurance starts to payof pocket before insurance starts to pay
Common deductible amounts are usually $250,Common deductible amounts are usually $250,
$500, and $1000$500, and $1000
The higher the deductible amount you pay theThe higher the deductible amount you pay the
lower your premiums arelower your premiums are
11. Automobile Insurance: The Policy
A common mistake when shopping forA common mistake when shopping for
automobile insurance is looking only at theautomobile insurance is looking only at the
price between two policiesprice between two policies
Policies differ from policy to policy andPolicies differ from policy to policy and
company to companycompany to company
12. Five parts to an insurance policyFive parts to an insurance policy
DeclarationsDeclarations: Summarizes the policy.: Summarizes the policy.
Coverage'sCoverage's: Listing of what the insurance covers – the more it covers,: Listing of what the insurance covers – the more it covers,
the more it will cost.the more it will cost.
ExclusionsExclusions: Instances when your policy won’t provide coverage.: Instances when your policy won’t provide coverage.
Conditions:Conditions: The manner in which the contract is valid. Such as inThe manner in which the contract is valid. Such as in
order for the policy/contract to be maintained the car must be in roadorder for the policy/contract to be maintained the car must be in road
worthy condition or the contract is breached.worthy condition or the contract is breached.
Definitions:Definitions: Each policy defines what your coverage entails. This canEach policy defines what your coverage entails. This can
vary policy to policy.vary policy to policy.
Automobile Insurance: The Policy
13. Automobile Insurance: The Basics
What can you do to reduce risk andWhat can you do to reduce risk and
lower premiums?lower premiums?
Use your seatbeltUse your seatbelt
Observe Speed LimitsObserve Speed Limits
Know your own limitsKnow your own limits
Concentrate on drivingConcentrate on driving
Be PatientBe Patient
Don’t Drink and DriveDon’t Drink and Drive
Get good gradesGet good grades
14. KEY TERMS
• Bodily Injury Liability: In auto
insurance, liability coverage that
pays for physical injury to people
in other vehicles
• Collision: The act or process of
colliding; a crash or conflict.
• Comprehensive Coverage:
Insurance designed to pay for the
repair or replacement of the policy
owner's car in the event of
damage not resulting from an
accident.
• Medical Payments: Auto
insurance coverage can help to
provide medical payment for
treatment of bodily injury.
• Peril: A cause of loss
• Policyholder: The owner of an
insurance policy
• Premium: Payment made by the
insured to the insurer
15. KEY TERMS
• Insurance Policy: A contract
written to protect individuals
named in the policy against
specific future losses
• Insured: An individual, usually but
not always the buyer, covered by
an insurance policy
• Insurer: The company or agency
that writes an insurance policy
• Liability: Legal responsibility
.
• Risk: A situation in which some
kind of loss is possible
• Deductible: The amount the
insured pays on a claim before the
insurer pays the remainder
• Coverage: Coverage against a
specific type of loss
• Replacement Cost: What it would
cost to replace a piece of property,
or rebuild a structure