How Do Companies Determine The Auto Insurance Premiums

By Ed Sneineh

Insurance companies use different criteria to rate their auto insurance customers. The main criteria used are the following:

1. Credit Score. Credit score rating is used by certain preferred and standard companies. People with higher credit score will have lower premiums. Actually some companies may sharply increase premiums for auto and home polices with bad credit score, or may even decline insuring them if the applicant was in bankruptcy in the past few years, for example. Insurance companies believe that people with better credit are more responsible, hence they will be more responsible too in their behavior on the road and more responsible in the filing of their claims, if any.

Many people think that credit score pricing is unfair. The truth is that the entire insurance industry can be understood like (legally unfair), an industry that does price discrimination because of applicant’s financial credit, gender, marital status, and age. Discriminating against people and charging them different prices because of their age, gender, marital status is perfectly legal in the insurance business.

Many auto insurance companies that are credit score oriented have created parallel programs to insure people without using their credit score. To cope with the extra risk for not checking their credit, those companies did set a lower liability limits (close to the state minimum) as a maximum for any policy they issue without checking the credit and offered these products with a little higher premiums.

[youtube]http://www.youtube.com/watch?v=ESmrUG9RqJg[/youtube]

2. Demographics of the Target Market. Some demographic factors are more important than others in determining the price. This includes age, sex, marital status, ages of certain household, geographic location (ZIP), and occupation.

Youthful drivers (widely defined as someone under age 25) and old drivers (over 70 years) pay more money than others. Males under age 25 also pay higher than females of similar age. Married people pay less also. Certain companies may prohibit certain classes of occupations like bar tenders, musicians, entertainers, etc. Driving record, prior insurance history/ experience will also affect the price (people with accidents/ moving violations pay more.) People in particular ZIP codes pay more than others because of bad claim experience for the insurance companies in those ZIP codes.

3. Premium Rating System: There are two widely accepted premium rating systems: Rating by Vehicle Symbol and Rating by Actual Cash Value.

In the event that you are buying a new policy or replacing an existing vehicle with a newly acquired vehicle the result of the transaction may be high or low premiums depending on your company’s way of rating , the symbol of your vehicle and the actual cash value of your automobile.

A Vehicle Symbol is a number assigned by the Insurance Service Office (ISO) to each vehicle. The symbol is determined based on certain factors such as loss experience for that particular vehicle, vehicle size/ weight, wheelbase, body construction, and horsepower. Vehicles with higher symbols have higher insurance premiums. Some companies that utilize their rating based on the Symbol of the vehicle will charge you more if the vehicle has higher Symbol, and less if vehicle has lower symbol. Notice here that a vehicle with a value (ACV) of $15,000 and symbol of 14 will have higher premiums than another vehicle with a symbol of 7 and a value (ACV) of $20,000.

Actual Cash Value method is dissimilar. The insurance premium is usually based on the Actual Cash Value of the automobile (ACV = automobile replacement minus depreciation) . The ACV of the automobile is based on the fair market worth of an average automobile of the same year, make & model sold in the area. When there is a total loss the insurance company will use that dollar value to pay for the claim, but may modify the amount of claim according to given facts like authentic mileage and the physical conditions of the automobile before the loss (automobiles that have double mileage as the average automobiles will have values smaller amount than the ACV.) So for two automobiles that have ACVs of $15,000 and $20,000 the insured will pay more for comprehensive & collision with the 2nd automobile, but liability premiums remain unchanged!

About the Author: Ed Sneineh, insurance professional for over 20 years, former college educator of insurance, and founder of Insurance Navy, a leader in providing auto insurance quotes, Chicago. Visit our website and get your car, SR22 insurance quotes in 5 minutes or less. Insurance Navy represents major carriers such as AAA, Travelers, Progressive, Hartford, and more than 20 other carriers.

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American Thom Mayne snags Pritzker architecture prize

Tuesday, March 22, 2005

Longtime Los Angeles architect Thom Mayne was awarded this year’s Pritzker Architecture Prize. Established in 1979 to honor “consistent and significant contributions to humanity,” the prize is considered by many to be the highest honor in the field. The award includes a bronze medallion and US$100,000. Mayne was the first American to receive it in 14 years; previous American recipients include Robert Venturi (1991) and Frank Gehry (1989).

Mayne earned his architecture degree from the {{w|University of Southern California|University of Southern California]] in 1968. A few years later he founded his own architecture school, the Southern California Institute of Architecture, which remains to this day. He then moved to Los Angeles, where in addition to running a firm, Morphosis, he teaches architecture at UCLA.

Mayne’s earlier work, considered “angry” and “brooding”, was outside of the architectural mainstream. His style was often called bold and audacious. This style has recently become more accepted, as Morphosis won contracts to design government buildings in California, Oregon, and Washington, DC. The firm also designed an Olympic village in Queens, in preparation for the city’s 2012 Olympics bid.

On receiving the prize, Mayne said, “This is such a big deal….it is not in my nature to think about being the one who prevails. For my whole life, I’ve always seen myself as an outsider.”

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The Onion: An interview with ‘America’s Finest News Source’

Sunday, November 25, 2007

Despite the hopes of many University of Wisconsin-Madison (UW) students, The Onion was not named after their student center. “People always ask questions about where the name The Onion came from,” said President Sean Mills in an interview with David Shankbone, “and when I recently asked Tim Keck, who was one of the founders, he told me the name—I’ve never heard this story about ‘see you at the un-yun’—he said it was literally that his Uncle said he should call it The Onion when he saw him and Chris Johnson eating an onion sandwich. They had literally just cut up the onion and put it on bread.” According to Editorial Manager Chet Clem, their food budget was so low when they started the paper that they were down to white bread and onions.

Long before The Daily Show and The Colbert Report, Heck and Johnson envisioned a publication that would parody the news—and news reporting—when they were students at UW in 1988. Since its inception, The Onion has become a veritable news parody empire, with a print edition, a website that drew 5,000,000 unique visitors in the month of October, personal ads, a 24 hour news network, podcasts, and a recently launched world atlas called Our Dumb World. Al Gore and General Tommy Franks casually rattle off their favorite headlines (Gore’s was when The Onion reported he and Tipper were having the best sex of their lives after his 2000 Electoral College defeat). Many of their writers have gone on to wield great influence on Jon Stewart and Stephen Colbert‘s news parody shows.

And we are sorry to break the news to all you amateur headline writers: your submissions do not even get read.

Below is David Shankbone’s interview with Chet Clem and Sean Mills about the news empire that has become The Onion.

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South Korean police clamp down on protests against US beef

Monday, June 30, 2008

South Korean authorities are refusing to allow more protests against the government’s decision to allow beef imports from the United States, after hundreds of people were injured in clashes with riot police overnight Saturday.

Around 300 police buses blocked protesters from entering the plaza in front of Seoul City Hall on Sunday, where a candlelight vigil was scheduled for that night. Any rally held after sunset without police permission is considered illegal. Nevertheless, the daily vigils have continued for weeks, with as many as 80,000 in attendance.

After the plaza was sealed off, a group of about 1,700 protesters gathered in nearby streets, chanting slogans that urged President Lee Myung-Bak to cancel his decision allowing U.S. beef imports. Around 70 people were detained by police for illegally occupying roads, South Korean news agency Yonhap reported, but no major clashes occurred.

Over 200 protesters and police officers were injured in Saturday’s protests. The demonstration turned violent when some protesters tried to drag away police buses used to prevent entry into Cheongwadae, the President’s house. Riot police responded by spraying water cannons and fire extinguishers at the protesters, who threw stones, water bottles and eggs at police.

The candle-lit vigils, which were initially peaceful, have mutated into violent protests organized by a small faction.

Government officials said they would not tolerate violent, illegal demonstrations. “The candle-lit vigils, which were initially peaceful, have mutated into violent protests organized by a small faction,” said Justice Minister Kim Kyung Han. He vowed to “chase those who instigate violent protests” and “bring them to justice”. Kim warned that the government might begin using water laced with tear gas against protesters, even though tear gas has been banned since 1999.

In April, President Lee Myung-Bak agreed to resume the importing of U.S. beef, which was banned in 2003 after the United States discovered its first case of bovine spongiform encephalopathy, or mad cow disease. Lee has faced a major backlash from this decision, amid fears of the possible spread of this sometimes fatal disease. He was forced to publicly apologize, and all but one of his top advisers were fired.

Jang Dae-hyun, a spokesman for the protesters, suggested that the police should stop using harsh tactics against protesters, which he says would lead to less violence. “We’ve been supporting peaceful rallies, but the police crackdown is too harsh,” Jang said. One protester, Kim In-seok, stated, “We are just here to express our opinions. I can’t understand why this government tries to ban our rally.”

On Monday, police raided the offices of two civic groups that have led the rallies. Documents, computers, pickets, flags, and other materials relating to the demonstrations were confiscated, and the leader of the group AntiMadCow was arrested on charges of staging illegal rallies, Yonhap reported.

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Lorries In The Limelight

Submitted by: Lyall Cresswell

What do you think of when you picture a lorry? Perhaps one of these lorries from popular culture. They might not wear giant sunglasses or have punch-ups with the paparazzi, but that doesn t make these superstars any less well known.

From the Coca Cola Christmas haulage truck from the TV ad to the mysterious characters of the tongue twister Red Lorry Yellow Lorry , here is a reminder of some of the most famous trucks, lorries and general haulage vehicles of all time.

1) Red Lorry Yellow Lorry

Originally a British tongue twister, you may be interested to know that Red Lorry Yellow Lorry is also a rock band that was formed in Leeds in 1981. Whilst there are no known lorry or lorries attached to the phrase, this is certainly a famous lorry concept which is entrenched in the British psyche. Red lorry yellow lorry red lorry yellow lorry It s even hard to type!

2) Long-distance Clara s juggernaught

As the song goes,

Long Distance Clara, shifts the gears

Long Distance Clara, she safely steers

Long Distance Clara, slams on the brakes

[youtube]http://www.youtube.com/watch?v=cKll6EXjqd8[/youtube]

Long Distance Clara, accelerates

Long Distance Clara driving round the bend

Hot dinner waiting at her journeys end

Long Distance Clara, driving down the road

Always on time and never late

– Part of the theme tune to the adorable pre-school cartoon Pigeon Street .

3) Fire Engines

Ok, so we don t really call them lorries , but we sometimes call them trucks , and that s really what they are. The real hero in the world of over-sized vehicles, this red bundle of bravery is like a giant red angel, transporting fire-fighters to the scene of the blaze and providing them selflessly with access to the burning building with its trusty ladder, water with its hose and a whole host of other equipment for battling the flames.

4) Coca Cola Christmas Truck

You remember the ad with all those beautiful Christmas – themed haulage trucks? Perhaps this will jog your memory:

Holidays are coming, holidays are coming

Tis the season

Watch out, look around

Something’s coming, coming to town

Do do do do do

Always Coca Cola.

Something magic, in the night

Can’t you see it, shining bright!

La la la la la la la la la la

Holiday refreshment’s what we bring

Tis the season, it’s always the real thing!

Always Coca Cola!

– A heart-warming Christmas treat which almost makes up for a million rotting teeth.

5) Optimus Prime and the Transformers Movie

The basis of the film is as follows: a long time ago, far away on the planet of Cybertron, an alien civil war was being waged between the two races of robots – the noble hero Autobots led by the wise Optimus Prime, and the devious evil Decepticons commanded by the dreaded Megatron – for control over the Allspark, a mystical talisman that would grant unlimited power to whoever possessed it. For some reason, the Autobots and the evil Decepticons are able to change into a variety of objects, including cars, trucks, planes and other technological creations, but tend to spend their time masquerading as enormous haulage trucks when inhabiting the Earth.

About the Author: Lyall Cresswell is the Managing Director for the Transport Exchange Group. Haulage Exchange, their freight exchange for the 7.5 tonne and above market, offers an independent environment for its members to swap

haulage

loads.

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South Korea: Fire in hospital housing elderly people kills at least 37

Friday, January 26, 2018

Fire broke out on Friday morning and destroyed the bottom two floors of a six-story hospital in Miryang, South Korea, killing at least 37 people, most of them elderly. More than a hundred injuries were reported, with eighteen people in critical condition. This is the highest death toll from fire in South Korea in almost a decade.

The fire is believed to have started at about 7:30 local time, according to fire chief Choi Man-woo. It originated on the ground floor in the emergency room as per various officials. The hospital has 98 beds and a medical staff of about 35, and specializes in long-term care of elderly patients. It adjoins a nursing home, all of whose 94 residents were evacuated. Staff carried some patients out of the hospital on their backs.

One patient, Jang Yeong-jae, who told his story to JoongAng Ilbo, said he escaped by removing a screen from a window to get to a ladder placed by firefighters. He described people “running around in panic, falling over and screaming as smoke filled the rooms”. The majority of the victims died from smoke inhalation and are believed to be elderly, said the head of the city’s public hospital, Chun Jae-kyung. A doctor, a nurse, and a nursing assistant have died, according to the fire service; it took three hours to put out the fire.

In a press briefing, Seok Gyeong-sik, the director of the hospital, apologized to patients and their families. Son Kyung-chul, its chairman, stated that there were no sprinklers because the facility was small. Sprinklers are being installed in the nursing home, where a new law requires them by June 30.

Last month, 29 people died in a fire in a gym in Jecheon; the owner and the manager were arrested for safety violations. In 2014, a blaze in a nursing home in Jangseong left 21 dead. The President of South Korea, Moon Jae-in, responded to the Friday fire by calling an emergency meeting of his staff, and promised that the cause would be found rapidly “to prevent the recurrence of the fire in the future”.

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Over 60 illegal miners die in South African mine fire

Wednesday, June 3, 2009

Over 60 miners were killed in an abandoned gold mine shaft near Welkom, in the Free State province of South Africa, after a fire broke out inside the mine.

36 bodies from the Harmony Gold mining company Eland mine shaft were brought up earlier on the weekend from depths up to 1.4 kilometers (1 mi). On Tuesday, 25 more bodies were recovered by other illegal workers.

“We suspect there was a fire on the 18th of May. We never saw any smoke. Over the weekend [30 May] we were informed by other illegal miners that people had died,” said Tom Smith, Chief Operating Officer for Harmony’s South Region, “The bodies are not burnt. It seems more of a case of gas or smoke inhalation. I don’t know if there are any more bodies down there, we just have to wait.”

The workers may have died from poisonous gasses, smoke inhalation, suffocation, cave-ins or carbon monoxide poisoning.

Harmony gold mine will not send anyone in to the mine as the conditions are extremely dangerous and abandoned shafts are without safety equipment. Illegal workers may gain access bypassing security at one mine site, and exit via a series of interconnected underground tunnels many miles away.

Harmony is internationally the fifth largest gold mining company and has bought up old, abandoned mines.

Police were seeking relatives to help identify the bodies, and are instigating an investigation into the circumstances.

Almost 300 “gold pirates” were arrested over the past two weeks at the Eland mine shaft alone. Thousands of illegal workers can be underground, and remain working for weeks and months continuously. “These are ex-miners and unemployed people – we need to target the syndicates,” said Smith.

There are over 4.18 million unemployed in South Africa due to the economic decline, and another 1 million may soon join the ranks.

Susan Shabangu, the minister of mining, extended her condolences.

Welkom, with a population of over 400,000 is located 160 kilometers (99 mi) northeast of Bloemfontein, the provincial capital.

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Looted, possibly contaminated body parts transplanted into USA, Canadian patients

Monday, March 20, 2006

Fears of contaminated bone and skin grafts are being felt by unsuspecting patients following the revelation that funeral homes may have been looting corpses.

Janet Evans of Marion Ohio was told by her surgeon, “The bone grafts you got might have been contaminated”. She reacted with shock, “I was flabbergasted because I didn’t even know what he was talking about. I didn’t know I got a bone graft until I got this call. I just thought they put in screws and rods.”

The body of Alistair Cooke, the former host of “Masterpiece Theatre,” was supposedly looted along with more than 1,000 others, according to two law enforcement officials close to the case. The tissue taken was typically skin, bone and tendon, which was then sold for use in procedures such as dental implants and hip replacements. According to authorities, millions of dollars were made by selling the body parts to companies for use in operations done at hospitals and clinics in the United States and Canada.

A New Jersey company, Biomedical Tissue Services, has reportedly been taking body parts from funeral homes across Brooklyn, New York. According to ABC News, they set up rooms like a “surgical suite.” After they took the bones, they replaced them with PVC pipe. This was purportedly done by stealth, without approval of the deceased person or the next of kin. 1,077 bodies were involved, say prosecuters.

Investagators say a former dentist, Michael Mastromarino, is behind the operation. Biomedical was considered one of the “hottest procurement companies in the country,” raking in close to $5 million. Eventually, people became worried: “Can the donors be trusted?” A tissue processing company called LifeCell answered no, and issued a recall on all their tissue.

Cooke’s daughter, Susan Cooke Kittredge, said, “To know his bones were sold was one thing, but to see him standing truncated before me is another entirely.” Now thousands of people around the country are receiving letters warning that they should be tested for infectious diseases like HIV or hepatitis. On February 23, the Brooklyn District Attorney indicted Mastromarino and three others. They are charged with 122 felony counts, including forgery and bodysnatching.

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Legal Help For Cdl Traffic Violators

Submitted by: Trae Johnson

How a Lawyer can Help a Commercial Trucke

There are particular licenses necessary for jobs that require an individual to drive. A Commercial drivers’ license, also known as a CDL is required by most states to drive professionally and is typically for many vehicles that transport harmful materials, cement trucks, garbage trucks, passenger busses, school buses, and semis. There are some states have exemptions for those driving large vehicles in the following including the following categories:

Military

Airport transport

Cotton hauling

Emergency

[youtube]http://www.youtube.com/watch?v=QJSGIt-4MXE[/youtube]

Ranch and farm

It is understandable that drivers will most likely forfeit their CDL privileges if they cause severe traffic crimes like driving under the influence of drugs or alcohol or in cases of vehicular homicide. However, commercial drivers should also take measure and try not to commit the lesser traffic offenses. When the lesser traffic violations are committed, they can have dire consequences on a driver’s ability to earn a living and the ability to retain commercial driving privileges.

Those who have a career as a commercial truck driver should choose the option of getting a lawyer when dealing with traffic violations. When a commercial driver is faced with defending his or herself against the word of a traffic officer, it basically comes down to who the judge is going to believe, the cop or the driver and 98% of drivers are usually found guilty. Sometimes, Commercial trucker’s can be cash machines for struggling cities.

California Truckers especially beware! California assigns 1.5 points to trucking traffic tickets, which really hurts a truck drivers CDL driving record. In addition, nearly 78,000 semitrailers were given citations for safety issues by California state inspectors and Highway patrolman last year alone, which resulted in giving a Banning inspection facility a no.#1 rating for the most violations written in the state. California is the most severe when handing out traffic violations, other cities will soon follow, noticing the revenue being generated from all those commercial trucking traffic citations.

A trucker’s livelihood is dependant upon their CDL license, which is why it is so important to protect their CDL driving records, which you can do by hiring a lawyer specializing in transportation law or for what “truckers” like to call truck driver’s legal help.

Reasons to Hire a Truck Lawye

A suspension of a commercial driver’s license is no a choice for most people who drive commercial vehicles because it means a significant inconvenience and may cost them their job. Often, in the case where there was a minor traffic citation given, the impact may have serious consequences on their CDL status. Commercial truck drivers are held to a higher standard than others who operate motor vehicles. A CDL traffic violation that carries minor penalties for a regular driver may carry serious civil and criminal repercussions in the case of a commercial truck drivers. A conviction that is the result of things such as a DUI/DWI, reckless driving, or speeding can significantly affect the life of a commercial truck driver in the following ways:

Issuance of jail time

The loss of a CDL

A substantial fine

Loss of a jo

Points given on the driving record

Legal Representation Vital

Fighting CDL traffic points and offenses on your driving record can be hard from the beginning if you are a commercial driver. Only those who have non-commercial licenses are possibly eligible for defensive driving courses or deferred adjudication in lieu of surcharges or point accumulation.

An Expert truck lawyer can inform you about the nuances and details of the law as it relates to your traffic citation. The best defense against a negative impact to your ability to work as a commercial driver is to prevent getting CDL traffic offenses by driving within the state traffic laws, cautiously, and when the body has adequate rest. However, when there is a time you find that you are in the mist of a CDL traffic charge, receiving a truck lawyer’s counsel that has extensive experience in the area of CDLs and traffic violation offenses may be the key that allows you to continue with your commercial driving livelihood. Your truck lawyer may be able to fight and keep commercial driving traffic violation off of your record, making negotiations with the prosecutor on your behalf, minimize the damage of your actions may have caused, and will fight for you aggressively if needed in court.

About the Author: Legal

Provision.com

– is the ultimate guide for all your law-related information. You can get affordable legal help for the most complex of legal issues and much more. For more Information visit us online.

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At least 71 deaths in Mexico ‘likely linked’ to swine flu outbreak

Sunday, April 26, 2009

Officials in Mexico are asking citizens to take actions in order to minimize the spread of the swine flu outbreak. Citizens are urged to stay away from large crowds, avoid kissing people and stay at least 6 feet (1.8 meters) away from one another. Additionally, all schools and universities in Mexico City have been closed indefinitely. In addition, at least twenty people in the United States have been infected with the disease, causing the government to issue a “national public health emergency.”

On Monday, Mexican officials reported that at least 100 deaths in their country were “likely linked” to the swine flu. Dr. Jose A. Cordova Villalobos, the health secretary of Mexico, said that at least 20 of the deaths have been confirmed as swine flu related deaths while the World Health Organization (WHO) says that 71 people have died from complications caused by the disease. Meanwhile, over 1,300 people in Mexico have been hospitalized because of flu-like symptoms since April 13.

In New Zealand, 26 students and teachers might have been infected by the flu during their trip to Mexico. Dr. Julia Peters, the clinical director of Auckland Regional Public Health Service, said that at least 22 have shown flu-like symptoms. All of the students and teachers are being quarantined pending test results. Similar health scares occurred in Israel. France, Spain and the United Kingdom, where people with flu-like symptoms have been tested for the swine flu. In the UK, test results came back negative for the deadly strain, while results from Israel, France and Spain are still pending.

In the United States, there have been twenty confirmed cases of swine-flu in the states of Kansas, Texas and California. Today, New York Mayor Michael Bloomberg reported that at least 8 students from a New York preparatory school have contracted the mutated flu strain. The White House also said today that there was at least one confirmed case of the disease in Ohio, prompting the federal government to declare a “public health emergency.”

Robert Gibbs, a White House spokesman, said that the swine flu outbreak “is of great concern to the White House,” and that President Obama is now receiving briefings on the issue on a regular basis. Gibbs added, “I would tell people it’s certainly not a time to panic […] The government is taking all the steps it needs to and must do to take the precautions to deal with whatever size and scope we may be facing.”

The WHO is taking the outbreak very seriously, calling it a “public health emergency of international concern” that has a “pandemic potential.” The WHO’s emergency council met on Saturday for the first time since its creation. If the committee decides that the swine flu outbreak is an international public health emergency, WHO could recommend travel warnings and restrictions and possible border closures.

The Center for Disease Control says that swine flu symptoms include a fever above 100º Fahrenheit, diarrhea, nausea, vomiting, coughing, sore throat, lack of appetite, runny nose, breathing problems and fatigue. However, not all symptoms are present in each case of swine flu.

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