Utah Laws – Regulations for Car Dealers #utah #auto #insurance #laws


Dealer-related Information in Utah

Motor vehicle dealerships are governed by the Motor Vehicle Enforcement Division (MVED) of the Utah State Tax Commission, which (as you might expect from a tax agency) has very complex rules and processes. The vehicle sales industry does, unfortunately, attract the occasional fraudulent dealer―a fact which forces the MVED to regulate all dealerships very closely. In turn, this means that running a dealership requires a lot of paperwork. Everything needs to be carefully documented.

If you sell cars, trucks, trailers, motorcycles, or other types of motor vehicles, you are expected to know all the ins and outs of the legislation surrounding this industry. We have provided some detailed information and links that will help you navigate the system and run a successful dealership that remains on good terms with the Utah State Tax Commission and the MVED.

Dealer license: A dealer’s license for new motor vehicles allows you to sell and dismantle new and used vehicles and large trailers, and to run a body shop. A dealer’s license for used motor vehicles limits your dealings to used vehicles. The same two types of licenses are also available for those dealing with new or used motorcycles, snowmobiles, off-highway vehicles, and small trailers (those weighing 750 through 1,999 lbs when empty).

You must post your license certificate at the dealership and carry your license card with you when on the job or driving one of the vehicles. No matter when you receive your license, it expires annually at midnight on June 30. Unfortunately, your licensing fees will not be prorated.

Records: Make lots of room in the dealership office, because you need to document everything that goes on at your dealership. Show them to any MVED employee or police officer who asks to see them.


  • A record of every vehicle bought or exchanged, or received or accepted for sale or exchange
  • A record of every used part or used accessory bought or acquired
  • A record of every motor vehicle bought or acquired and wrecked or dismantled
  • All buyers’ orders, contracts, odometer statements, temporary permit records, financing records, and all other documents related to the purchase, sale, or consignment of motor vehicles
  • A record of the name and address of the person to whom any motor vehicle or motor vehicle body, chassis, or engine is sold or disposed of, and a description of the vehicle by year, make, and vehicle identification number (VIN)

Trade-ins: If you accept a trade-in from a customer who still owes on the loan for the vehicle, you must notify the lienholder in writing within 7 days that the vehicle has been traded in. Furthermore, you must pay off the loan to the lienholder within 21 calendar days of the sale date or 15 calendar days from the date you were paid in full for the vehicle you sold (whichever is sooner).

If the sale falls through, you have 5 days to notify the lienholder in writing that the sale has been rescinded, and you must return the trade-in vehicle to the customer.

Third-party warranties: You have 15 days from the date you sell a third-party warranty or service contract to a customer to pay the warranty or service contract company. If you fail to pay the warranty or service contract company within 15 days, you could be liable to the customer for any damages that would have been covered, and you risk having your dealer’s license suspended.

Salvage vehicles: A salvage vehicle is one that was so badly damaged due to an accident, flood, or other event that it would cost more to repair the vehicle than the vehicle is worth. A salvage vehicle that has been repaired so that it operates normally is considered a rebuilt/restored vehicle.

Before a dealer can negotiate the sale of a salvage or rebuilt/restored vehicle, he must notify both the customer and the prospective lienholder of the vehicle’s status using Form TC-814 (available from the MVED, not online). This form must also be prominently displayed in the bottom of the passenger-side windshield when the vehicle is displayed for sale.


Safety inspections: The vehicle must pass the Utah safety inspection before you can issue the buyer a temporary license for it. In some counties, an emissions test is also required. This means either the dealer must have the vehicle inspected prior to sale (and perform any repairs necessary to pass the inspection), or the dealer must sell the car “as is” without issuing the buyer a temporary permit.

Registration and title: Within 45 days of selling a vehicle to a Utah resident and issuing a temporary permit, you must provide the vehicle title or manufacturer’s certificate or origin to the buyer. If you sell a vehicle without issuing a temporary permit, you have 48 hours to deliver the title. Questions about this process can be answered by:

  • Division of Motor Vehicles
  • 210 N. 1950 W.
  • Salt Lake City, UT 84134
  • (801) 297-7780

Monthly dealer report of sales: When you issue a temporary permit for a sold vehicle and complete the registration paperwork for the customer, the sale is reported on the title application. However, if you sell a vehicle without issuing a temporary permit, you will report the sale by submitting a Motor Vehicle Dealer Monthly Report of Sales (Form TC-928).

Permits and plates: In addition to the temporary permits that the dealer provides the buyer, the MVED issues the following permits for unregistered vehicles:

  • Extension permits, for when a temporary permit expires before the dealer has registered the vehicle
  • Nonresident permits, for those who buy a vehicle in Utah for registration in another state
  • Loaded demonstration permits entitle the dealer to use a dealer plate to demonstrate an unregistered loaded vehicle to a customer.
  • In-transit permits allow dealers temporary permission to transport unregistered vehicles on Utah highways.
  • Dismantling permits, for dismantling a vehicle or taking it to a licensed dismantler, crusher, or salvage dealer.

The MVED issues the following types of license plates:

  • Dealer plates, for transporting unlicensed vehicles owned or consigned by the dealer on public highways. Dealer plates may not be placed on vehicles you have sold or leased, nor may they be used on relatives’ cars. They may be used only by dealers on vehicles that belong to the dealership. Dealer plates expire every year on June 30, just like dealer licenses, and must be renewed annually. If the dealership sold less than 3 vehicles in the previous 12 months, the dealer plates will not be renewed.
  • Dismantler plates
  • Manufacturer plates
  • Transporter plates

Advertising: Utah has laws that strictly govern how dealerships may advertise, and there are serious penalties for violations. Read the Question Answer Booklet.

Odometers, mileage, and disclosure: Every vehicle to be registered in Utah must have a properly functioning odometer. It’s illegal to drive a car whose odometer is broken except to take the vehicle to a repair shop. It’s also illegal to install a device that alters the true odometer reading or to sell a car with such a device installed―or to issue a false odometer statement or to tamper with a vehicle’s odometer in any way.

Dealers are required by law to provide the buyer with a signed Odometer Disclosure Statement (Form TC-891). If the odometer was repaired or replaced, this should be reflected in the disclosure statement, and the vehicle must have a decal to this effect (available from the MVED) permanently adhered to the driver’s side door frame.

Lemon Law: According to Utah’s Lemon Law. customers who buy or lease a new car or RV that has significant flaws that can’t be fixed are entitled to a refund or replacement from the manufacturer. Read the legal details.

Colorado Auto Insurance Premiums #colorado, #auto #insurance, #premiums, #survey, #cost, #no-fault, #tort,


Colorado Auto Insurance Premiums

Colorado Market Outlook

2007 represents the best Colorado auto insurance market for consumers in more than a decade:

Premiums have plummeted more than 32% from May 2003 to May 2007 for the majority of drivers with full policy coverage, which includes both mandatory and optional benefits: liability, personal injury protection (2003 only), medical payments coverage, collision and comprehensive. That adds up to an average annual premium drop from $1,289 in 2003 compared to $872 in 2007 or an average savings of $417 per car.

For consumers who purchased mandatory liability, plus optional uninsured motorists and medical payments coverage the average annual premium (excludes comprehensive and collision) decreased by 40.7% or an average annual premium of $899 in 2003 compared to $533 in 2007 (RMIIA/PCI 2007 industry rate survey) .

Colorado Auto Premiums Continue to Drop Since No-Fault Sunset

Those double digit decreases represent historic reductions during a time that nationally car insurance rates were still rising, until a 0.5% decrease in 2006. While claim frequency is down countrywide and in Colorado, the cost for car repair and medical treatments is going up. However, Colorado consumers are benefiting from a stabilization of the market since the legislature repealed its no-fault auto insurance system in 2003. Under no-fault, many auto insurance consumers were also paying twice for health insurance and extra medical coverage under their car insurance, not to mention military and others who received government-funded medical coverage who were paying for expensive mandated auto insurance that they didn’t need.

Colorado Premium Examples

To provide a snapshot of Colorado auto premium trends as the state moved from a no-fault to a tort auto insurance system on July 1, 2003, the Property Casualty Insurers of America (PCI ) and RMIIA surveyed company premiums before and after the change, using two specific consumer examples for six geographical areas: Denver, Pueblo, Sterling, Fort Collins, Grand Junction and Colorado Springs.

Below are six-month auto insurance policy rates for the following risk:

Household with two drivers (35-year-old married couple) with prior insurance, good credit history and no traffic violations.

2001 four-door Ford Taurus, used primarily for commuting; 13,500 annual miles.

Liability limits $100,000/$300,000 Bodily Injury (BI ), and $50,000 Property Damage (PD ); Uninsured/Underinsured Motorist (UM/UIM ) limits $100,000/$300,000.

June 2003: Personal Injury Protection (PIP ); on or after July 1, 2003: Rates were calculated both for including and excluding $5,000 Medical Payments (MP ) coverage.

The 2nd and 4th examples within each ZIP code also include $500 deductible collision coverage and $250 deductible comprehensive coverage.

Multi-line and multi-car discounts apply.

6-month policy in Denver ZIP 80203

The 16 companies that provided data represent approximately 50% of the Colorado market. The average rates above are weighted using the statewide premium volume of each participating company.

The consumer rate example survey, above, conducted by Property Casualty Insurers Association of America (PCI) and the Rocky Mountain Insurance Information Association (RMIIA) provides a meaningful snapshot because it shows Colorado rate trends for six areas of the state, both urban and rural, and is based on real-life situations. The comparison rates the same 35-year-old married couple with the same risk factors based on average consumer purchasing decisions. The premium survey shows that from June 2003 (under no-fault) to May 2006 (nearly three years with a tort system) a liability-only, six-month auto policy decreased on average from 28-41%. The largest overall decrease for this type of policy from June 2003 to May 2006 was in Pueblo with a 41.7% premium reduction. Denver’s average decrease for the same policy was 40.4%.

The comparison also breaks down coverage costs for the couple if they opted to purchase $5,000 in medical payments coverage. Under a tort policy with liability and medical payments coverage (the average amount purchased in Colorado and nationally) the overall savings was 16% to 30%. The survey also included premium comparisons with optional comprehensive and collision coverage.

Immediate Savings After No-Fault

The immediate savings for insurance consumers is that they are no longer required to pay for costly Personal Injury Protection (PIP) coverage. PIP was a mandated no-fault medical coverage that included payment for high-priced, non-traditional treatments leading to very expensive auto insurance for everyone. According to a 2003 study by the Insurance Research Council (IRC) on no-fault states, average Colorado PIP claims soared by 122% from 1997 to 2002, more than double the PIP claim increases in New York, which still rose by 60% in the same five-year period and triple the PIP claims increases in Florida (37%). Colorado consumers felt those increases directly in their pocketbooks in 2002 and 2003, when Colorado PIP premiums rose by as much as 80%.

Long-Term Premium & Purchasing Trends

How much auto insurance costs the average consumer is an easy question with a complex answer. Since Colorado moved away from no-fault auto insurance, the average cost of a Colorado auto insurance policy is significantly reduced and premiums have begun to stabilize to reflect national market trends.

The biggest long-term factors that impact Colorado insurance premiums as the state moves to tort include: 1) how much insurance consumers purchase, 2) individual risk factors, and 3) insurance companies’ ability to control and operate without the claims abuses that riddled the state’s no-fault system. Of course, the price of what auto insurance pays for will always be the underlying driver of premiums, such as hail storms and the number of motor vehicle accidents. Both nationwide and here in Colorado, people are actually filing fewer claims and the severity of injuries is down, but the cost to pay those claims is higher due to rising cost of medical care, vehicle repair and jury awards.

One Size Auto Insurance Doesn’t Fit All

Colorado consumers now have more control over what they pay for auto insurance. Premiums still depend on traditional risk factors, such as where Coloradans live, what kind of cars they drive and their personal driving records. Colorado drivers are still required to buy liability coverage to pay for medical bills and property damage when they cause an accident, but they now get to decide how much additional health and liability insurance they need to purchase based on their own personal insurance and financial situations.

Consumers have not experienced identical savings under the transition from no-fault to tort what people pay for auto insurance still varies by company and depends on individual risks and purchasing decisions. For example, some Colorado motorists purchase extra medical coverage under their auto policies whether they have health insurance or not. Others use the premium savings from not having to buy auto medical coverage to buy extra liability coverage to protect their personal assets. And some decide that they don’t need to increase their liability or medical coverage and spend that extra money on other personal and family expenses.

Mobiel Vlaanderen – Mobiliteitsconvenant #mobiliteit, #mobiel, #mobiliteitsinformatie, #verkeer, #openbaar #vervoer, #bus, #autobus,



Mobiliteitsbrief 109 – oktober 2009

Tot voor kort was het uitvoeren van een MOBER vaak een vrije keuze. In het kader van duurzame mobiliteit wil de Vlaamse overheid het gebruik ervan stimuleren. Daarom kwam er een �Handboek Mobiliteitsstudies� (zie pagina 3). Soms is de MOBER nu ook verplicht. Dirk Holemans verduidelijkt.

Het opstellen van een MOBER is sinds kort verplicht bij de aanvraag van een stedenbouwkundige vergunning van sommige projecten. Dat is een gevolg van een wijziging van het besluit over de dossiersamenstelling van de aanvraag voor een stedenbouwkundige vergunning is.

De Vlaamse overheid stelde het handboek �Mobiliteitsstudies. Mobiliteitstoets en MOBER� samen. Dirk Holemans van het Departement Mobiliteit en Openbare Werken licht toe.

Er zijn 4 soorten MOBERs: Mobiliteitstoets, Project-MOBER, Plan-MOBER, Strategische MOBER

Afhankelijk van het type MOBER zal de invulling verschillen, maar in principe heeft elke MOBER vijf onderdelen.

De Mobiliteitsbrief biedt lokale overheden informatie over hoe een lokaal duurzaam mobiliteitsbeleid uitgewerkt kan worden i.s.m. andere partners en overheden. Website: www.mobielvlaanderen.be/overheden/. Abonnement Mobiliteitsbrief . Adreswijziging doorgeven? Stuur of fax het voorblad terug of neem contact op met Sandra De Bel, Kluwer, Motstraat 30, 2800 Mechelen, e-mail redactie. Redactieadres. Sandra De Bel, Kluwer, Motstraat 30, 2800 Mechelen, e-mail redactie. Redactieraad. Dominique Ameele (MOW), Filip Boelaert (kabinet minister Crevits), Erwin Debruyne (VVSG), Anneleen De Smedt (AWV), Frans Helon (MOW), Willy Miermans (Hogeschool voor Verkeerskunde), Marc Nuytemans (De Lijn), Bavo Smits (VSV), Dirk Verhoeven (MOW). Verantwoordelijke uitgever. ir. Fernand Desmyter, departement Mobiliteit en Openbare Werken (MOW), Koning Albert II-laan 20 bus 4, 1000 Brussel. Concept en realisatie: Kluwer. – � 2009 Vlaamse overheid Departement Mobiliteit en Openbare Werken.

Do I Need Commercial Auto Coverage? #i #need #auto #insurance


Do I Need Commercial Auto Coverage?

Updated June 03, 2016

Does your business need commercial auto coverage. Like many small business owners, you may assume that your personal auto policy affords all the coverage you need. You may also believe that your policy will protect you if you are involved in an accident while driving a vehicle you use for business. As this article will explain, you could find out the hard way that your assumptions are wrong.

Not Designed for Businesses

A personal auto policy is designed to cover individuals, not business entities.

It typically defines insured as the individual named in the declarations and that person s spouse and family members. Obviously, the terms spouse and family member s are not relevant to a business entity other than a sole proprietorship. Note that if your business is a sole proprietorship, you can insure your family members under a business policy via the Named Individual Insured Endorsement.

Business Exclusions

Another problem with personal auto policies is that they exclude business-related risks. Here are some exclusions that are commonly found in personal auto policies:

  • Commercial Auto Exclusion Many policies exclude the use of a vehicle by someone employed or engaged in a business other than farming or ranching. This exclusion doesn t apply to a private passenger vehicle or to a small pickup or van not used for delivering or transporting goods and materials. Generally, a truck or van is small if it has a gross vehicle weight under 10,000 pounds. The upshot of this exclusion is that you need commercial auto coverage if you own a vehicle larger than 10,000 pounds. You also need this coverage if you use any size vehicle for delivery purposes or for transporting property.
  • Auto Business Exclusion This exclusion applies to autos used in a business that involves selling, repairing, parking, storing or servicing autos. Examples are a dealership and a repair shop. If you use any vehicles is this type of business, you need commercial auto insurance.
  • Livery Exclusion Virtually all personal policies exclude the use of an auto (truck or private passenger type) for transporting people or property for a charge. Examples are taxis and autos used to deliver pizza or packages. This exclusion also applies to vehicles used in rideshare businesses like Uber and Lyft.

The commercial auto exclusion is open to interpretation. However, if you use a small truck or van for making deliveries to customers or for hauling tools to a job site, you should seriously consider purchasing a commercial policy.

Other Limitations

There are other aspects of personal auto policies that make them unsuitable for insuring a business. Here are some of them:

  • No Automatic Coverage A personal auto policy limits coverage to vehicles listed in a schedule. It affords very limited coverage for vehicles you acquire during the policy period. In contrast, a business auto policy can automatically cover any vehicle you obtain during the policy period.
  • Limited Hired Auto Coverag e Under a typical personal auto policy, rental vehicles are covered for physical damage only if you have purchased physical damage coverage for autos you own. Under a business auto policy, you can purchase physical damage coverage for hired autos only. A business policy also covers loss of use expenses and transportation expenses. Most personal policies don t include these coverages.
  • Less Flexibility A personal auto policy lacks the flexibility of a commercial policy. A business policy can be tailored to meet your needs through the use of covered auto symbols and endorsements .

Underwriting Rules

Besides the policy provisions themselves, you also need to consider your insurer s stance on insuring business risks. Each insurer has its own rules. You need to be aware of them before you buy a policy. not after you ve had an accident. Your insurer may be agreeable to covering some types of business-use autos but not others.

Note that most personal auto insurers will not issue a policy covering autos registered to a business (other than a sole proprietorship). If your vehicles are registered in the name of a corporation, partnership or other type of business entity, you will need to purchase commercial auto coverage.

Inadequate Limits

Finally, most personal auto policies do not provide a liability limit that is adequate for a business. The maximum limit available from a personal auto insurer is typically $500,000.

Commercial auto insurers, on the other hand, readily provide a $1,000,000 auto liability limit. Don t skimp on liability insurance! It is money well spent. A single accident involving a serious bodily injury could result in a huge liability claim against you. If you don t have adequate liability insurance, one claim could put your firm out of business.

Auto Insurance Premium Comparisons, auto and home insurance comparison.#Auto #and #home #insurance


Auto Insurance Premium Comparisons

Auto and home insurance comparison

Auto and home insurance comparison

(2013Toyota Camry OR 2010 Hyundai Accent)

This profile represents a young person living and working on his\her own, driving 15,000 miles per year. This driver opts for relatively low levels of coverage with limits of $20,000/$40,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $25,000 coverage for property damage. This driver has declined collision and comprehensive coverage.

(2013Toyota Camry OR 2010 Hyundai Accent)

This profile is a more experienced operator living and working on his\her own, driving 15,000 miles per year. The driver opts for relatively low levels of coverage with limits of $20,000/$40,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $25,000 coverage for property damage. This driver has declined collision and comprehensive coverage.

(2013Toyota Camry OR 2010 Hyundai Accent)

This profile represents a single experienced operator who owns a condo and chooses higher coverage limits. The driver has one recent accident in the last 2 years and operates his\her vehicle 15,000 annually. The policy includes coverage limits of $100,000/$300,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $100,000 coverage for property damage. He\she has $500 deductibles for collision and comprehensive and they added coverage for substitute transportation ($30/$900). This person has a condo policy with a different company.

(2013 Toyota Camry 2010 Chevrolet Impala OR 2010 Hyundai Accent 2013 Dodge Journey)

This profile represents a younger married couple with no children of driving age. Both people drive between 15,000-20,000 miles per year. One driver has a recent at-fault accident and the other has a recent speeding ticket on their driving records. This couple has chosen to protection levels of $35,000/ $80,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage, along with $50,000 in property damage coverage. They have a $500 deductible for comprehensive coverage, but no collision coverage.

(2013 Toyota Camry 2010 Chevrolet Impala OR 2010 Hyundai Accent 2013 Dodge Journey)

This profile represents and older married couple with a newly licensed teenage driver in the house. One of the experienced operators has a recent speeding ticket, but the other operators have clean driving records. This family purchases Bodily Injury, Uninsured Motorist and Underinsured Motorist protection of $100,000/$300,000 to go along with $100,000 in property damage coverage. They also have $500 deductibles for collision and comprehensive coverage and they added coverage for substitute transportation ($30/900). One vehicle is driven approximately 20,000 miles per year and the other vehicle is driven 15,000 per year. This family has a home insurance policy with the same company.

(2013 Toyota Camry 2010 Chevrolet Impala OR 2010 Hyundai Accent 2013 Dodge Journey)

This profile also represents an older but without a newly licensed teenage driver living in the house. This couple purchased coverage for Bodily Injury, Uninsured Motorist and Underinsured Motorist protection to $100,000/$300,000 and $100,000 in property damage coverage. They also have $500 deductibles for collision and comprehensive coverage and they added coverage for substitute transportation ($30/900). One vehicle is driven approximately 20,000 miles per year and the other vehicle is driven 15,000 per year. This couple has a home insurance policy with the same company

(2013Toyota Camry OR 2010 Hyundai Accent)

This profile represents a retired couple with a single vehicle and long driving histories. Both of these drivers have at least 15 years of incident free driving. This couple opted for coverage limits of $100,000/$300,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $100,000 coverage for property damage. They have $500 deductibles for collision and comprehensive and they added coverage for substitute transportation ($30/$900). They operate their single vehicle less than 5000 miles annually. This couple has a home insurance policy with the same company.

Arlington Locksmith – Lockout Keys Service in Arlington, Texas #house #locks, #cheapest


Welcome to Arlington Locksmith

Locksmith Automotive

If you need a car ignition repair done and you are stranded we will come to you. Our technicians are skilled and trained to do vehicle lockouts for you with quick response time and with great customer service. We also can do key fob programming and fix your transponder chip key. If you need auto key replacement that is a service that we can take care of for you.

Locksmith Residential

Who do you call when your experiencing a home lockout and you have no where to go? The best thing for you to do would be to call Arlington locksmith. We love all of our customers and will provide only the best in locksmith services for all of you. If you are looking for the cheapest locksmith in the Arlington, Texas area there is no other locksmith ready for you like Arlington locksmith.

Locksmith Commercial

If you need an exit panic bar installed for your business done by a expert then you need to call Arlington locksmith. Our technicians are skilled at getting you back into your business. If you need to change locks on your business then we can handle that for you too. Arlington locksmith is the only locksmith company in Arlington that handles office lockouts and office re key.

Emergency Lockout Keys Service Home, Office and Car

The level of service that you can get from Arlington locksmith is unmatched with any other locksmith. We are a local company that prides itself on being apart of the community. Each technicians mission is to provide you with great customer service and work with your budget and get you back into your business, home, or car. Call one of our customer service specialists today to schedule a appointment for you today

Our Services

Tuffy Tire and Auto Service Center Naples, Florida #tuffy, #a/c, #air, #alignments,



Naples (Vanderbilt Beach Rd.)

Mar 30, 2017 Mary B.

I have been going here for a little over 2 years now, and I trust them, they are also growing and improving and that is a good sign. Gloria is a gem at the front desk

Jan 19, 2017 Jackie C.

I would just like to say thank you to Pat and his employees for the excellent service he gave to my Son regarding his oil change. Something was wrong with his car after the oil change and here it was the oil filter they fixed the problem and gave my Son a free oil change to fix the problem. Great Job. Thank you again for your service it is greatly appreciated since I live in Ohio and my Son is in Florida it mean a lot that there are still companies out there that take care of their customers.

Jul 15, 2016 Paul C.

These guys are great especially Doug. Called me with a problem about fixing my window and he found a way to fix it. The best.

Jul 04, 2016 christian a.

those guys know what they doing, my service was excellent,im really happy.

May 18, 2016 Les S.

Wonderful, even checked my tire pressure! Outgoing, friendly team!

May 03, 2016 Isac R.

Very positive experience. Everything was handled very professionally. I have been taking my vehicles there since 2011 when I moved to Naples and with a brand new car purchase will continue to use this location. I am not one to recommend places and services to others but will certainly speak positively to others about my experiences.

Sep 11, 2015 Janice T.

I came in for an oil change, Marcos was the manager, he was polite, courteous, and very helpful. This is such a refreshing change from the normal, ” I don’t really care” attitude, take good care of him, good employees are very hard to find.

Feb 02, 2015 Miguel R.

I am giving a great compliment to Atiba for his customer service at this location. Atiba always tried to do the best for his customers. even that must of the time he is there by himself. Tuffy as a Company should reward this guy for his work ethics and great service.

Oct 24, 2014 Judy B.

I highly recommend this Tuffy! They were very flexible and accommodating. It took a couple of appointments and a lot of determination to find the issue. But they did! Thank you, Perry and Robert!

Jul 28, 2014 Pamela E.

They were very friendly and helpful. I had an oil change and tire rotation. They found things wrong, but did not pressure me to allow them to fix them. They also told me what to watch for. For example; leaky hoses and such. I would recommend them for an oil change. Also the waiting room is nice, with free coffee, and it was very clean.

May 31, 2014 Chansee L.

I have never been to have my car serviced at a better place. The service was fast, the help were wonderful and price very reasonable. I very highly recommend them!

Mar 20, 2014 Mike B.

Nobody likes to pay for car repairs. This was the best expierence I have ever had. I had the pleasure of working with Geff he is extreamly knowlegeable of cars and provided above and beyond customer service. Geff made my expierience so wonderful I will never go anywhere else.

Oct 11, 2012 Karen H.

I have been using this Tuffy location since 2009, not long after it opened on Vanderbilt Beach Road. My 2003 Mustang will be turning over 100,000 miles this week and it runs like a new car. I cannot say enough to praise the knowledge and professionalism of this staff. Tuffy knows my car probably better than I do and they are helping me to take the very best care possible of my Mustang. THANK YOU.

Mar 21, 2012 Tom J.

I needed a front end alignment for my car. The technican showed me there was a problem with the tires and recommmended replacing them. The manager, offered up several choices and recommended the best tires for the money, and it was far from the most expensive. He was very professional as is his crew. The tires arrived the next day as promised and when I showed up I got right in. I’d recommend this Tuffy Auto Center to everyone who needs quality work done at a fair price. And, if you’re a car guy or gal, the crew here will talk with you about cars as long as you want! It was an enjoyable experience.

Oct 17, 2011 Chad L.

I discovered this Tuffy location a little over a year ago and have had friendly service and quality work every time. They have gone above and beyond for my car time and time again. I would recommend them to anyone.

Welcome to Tuffy Naples (Vanderbilt Beach Rd.)

Torrance Car Accident Lawyers – Local Attorneys & Law Firms in Torrance,

Torrance Car Accident Lawyers, Attorneys and Law Firms – California

Learn More

Committed to Helping You Through Every Step of the Process At the California law firm of Scott J. Corwin, A Professional Law Corporation, we are committed to helping our clients receive just compensation for their injuries. We have developed a unique.

Law Offices of Howard Craig Kornberg

Car Accident Lawyers Serving Torrance, CA (Riverside/San Bernardino, California)

Zero fees unless we win. Millions of dollars in verdicts settlements won for serious catastrophic motor vehicle accidents.

Need help with a Motor Vehicle Accident matter?

You’ve come to the right place. If you’ve been in a car wreck, motorcycle accident, or injured by any other type of motor vehicle, a motor vehicle accidents lawyer can help.

Use FindLaw to hire a local motor vehicle accidents lawyer who can help you determine what to do immediately after an accident, who’s at fault, how to handle potential medical issues, and recover for injuries and damages.

Need an attorney in Torrance, California?

FindLaw’s Lawyer Directory is the largest online directory of attorneys. Browse more than one million listings, covering everything from criminal defense to personal injury to estate planning.

Detailed law firm profiles have information like the firm’s area of law, office location, office hours, and payment options. Attorney profiles include the biography, education and training, and client recommendations of an attorney to help you decide who to hire.

Use the contact form on the profiles to connect with a Torrance, California attorney for legal advice.

How do I choose a lawyer?

Consider the following:
Comfort Level – Are you comfortable telling the lawyer personal information? Does the lawyer seem interested in solving your problem?
Credentials – How long has the lawyer been in practice? Has the lawyer worked on other cases similar to yours?
Cost – How are the lawyer’s fees structured – hourly or flat fee? Can the lawyer estimate the cost of your case?
City – Is the lawyer’s office conveniently located?

Not sure what questions to ask a lawyer?

Here are a few to get you started:

  • How long have you been in practice?
  • How many cases like mine have you handled?
  • How often do you settle cases out of court?
  • What are your fees and costs?
  • What are the next steps?

Want to check lawyer discipline?

Executive Auto Detailing: Home #executive, #tulsa, #oklahoma, #mobile, #detailing, #auto, #cars, #trucks,


At Executive Auto Detailing. we understand that your car, truck, or SUV is more than just a simple mode of transportation. No matter what you drive, you get unequaled attention to detail and the finest techniques and products. We provide fast, friendly service to protect and bring out the full beauty and luster of your vehicle. Regardless of your busy schedule, the convenience and flexibility of Executive Auto Detailing provides you with the professional automotive detailing your vehicle deserves at a competitive price you can afford. When you’re in need of high-quality auto detailing, come to the professionals at Executive Auto Detailing.

Executive Auto Detailing is in pursuit of 100% Customer Satisfaction and is designed to raise the bar in our industry. You deserve the very best. Personal service to our client is our commitment and at Executive Auto Detailing we know this first-hand. We are dedicated to providing our clients with a level of customer service in auto detailing that is unavailable anywhere else.

Call us at: 918-845-1746

NOT affiliated with Tulsa Auto Detail or Groupon

To better serve all of Tulsa we are at:

6531 E 46th st (one block east of 46th Sheridan)

We are open year around even when the temperatures are at their coldest



Paint film protection – installation

after installation

Car Accident Lawyer Attorney – Auto Injury Lawyers – Buttafuoco – Associates


There were an estimated 6,420,000 cars involved in accidents in the US in 2006. The cost of these accidents exceeds 230+ Billion dollars. There were about 2.9 million injury cases and 42,636 car accident deaths. An average of 115 persons die each day in motor vehicle crashes in the United States — one every 13 minutes. According to the World Health Organization about 3000 people die in crashes each day worldwide.

Contacting an attorney who deals with personal injury (especially relating to auto accidents) can provide you with the peace of mind that no stone gets left unturned.

Here are some tips for when you should run to an attorney:

  • An injury has occurred where there has been serious injury (broken bones / hospitalization) or where injuries are likely to be permanent (paralysis);
  • A death has resulted from the accident;
  • Other parties were involved such as pedestrians or other autos;
  • The accident occurred in a construction area;
  • A police report does not accurately describe the accident and puts you at fault;
  • Important technical, legal or medical issues are involved;
  • The limits of your liability insurance are low,
  • You have no insurance. or your insurance company suggests that you did not pay your premium.
  • Your insurer starts acting funny.
  • Your insurer involves its own attorney (in this case, sprint!).

If you’ve been hurt do not hesitate contacting a car accident lawyer. Delay can weaken your ability to recover fair compensation.

We take pride in the fact that so many of our clients bring their families and friends to us when they need a Car Accident Lawyer . They know that they will be kept fully up-to-date during each step of the legal process. We welcome all calls and questions. If necessary we meet with clients in the evening, in hospital, at their home, or some other more convenient location.

Call our Car Accident Lawyers Today!

Car Accident, Motorcycle Accident, and Truck Accident Lawyer

serving all fifty states since 1981!

Call 1.800.Now.Hurt Today!

Experienced New York attorneys, New York Car Accident Lawyer, Attorney, NY Motorcycle Lawyer, Truck Accident lawyer, New York City lawyer, Medical Malpractice (med mal), Daniel P. Buttafuoco Associates, www.1800NowHurt.com. ButtafuocoandAssociates.com, Buttafuco, Butafuoco, Butafooco, Butterfuco, Buttafuocco, Budafooco, Buttafooco, Buttafuco, Butafuco, Buterfuco, Butfuco, Butafucco, Buttafewco, Butafewco, Buttafooco, Butafooco, best lawyers, best attorneys, top New York lawyer, top New York attorneys, voted Best of Long Island, Experienced New York wrongful death attorney, New York City, Queens, Staten Island, Suffolk county, Nassau county, Long Island, Manhattan, Brooklyn, the Bronx, Car Accident Attorney

Alabama, AL, Montgomery, Alaska, AK, Juneau, Arizona, AR, Phoenix, AK, Arkansas, Little Rock, California, CA, Sacramento, Colorado, CO, Denver, Connecticut, CT, Hartford, Delaware, DE, Dover, Florida, FL, Tallahassee, Georgia, GA, Atlanta, Hawaii, HI, Honolulu, Idaho, ID, Boise, Illinois. IL, Springfield, Indiana, IN, Indianapolis, Iowa, IA, Des Moines, Kansas, KA, Topeka, Kentucky, KY, Frankfort, Louisiana, LA, Baton Rouge, Maine, ME, Augusta, Maryland, MD, Annapolis, Massachusetts, MA, Boston, Michigan, MI, Lansing, Minnesota, MN, Saint Paul, Mississippi, MS, Jackson, Missouri, MO, Jefferson City, Montana, MN, Helena, Nebraska, NE, Lincoln, Nevada, NV, Carson City, New Hampshire, NH, Concord, New Jersey, NJ, Trenton, New Mexico, NM, Santa Fe, New York, NY, Albany, North Carolina, NC, Raleigh, North Dakota, NC, Bismarck, Ohio, OH, Columbus, Oklahoma, OK, Oklahoma City, Oregon, OR, Salem, Pennsylvania, PA, Harrisburg, Rhode Island, RI, Providence, South Carolina, SC, Columbia, South Dakota, SD, Pierre, Tennessee, TN, Nashville, Texas, TX, Austin, Utah, UT, Salt Lake City, Vermont, VT, Montpelier, Virginia, VA, Richmond, Washington, WA, Olympia, West Virginia, WV, Charleston, Wisconsin, WI, Madison, Wyoming, WY,Cheyenne

Please note that you are not considered a client until you have signed a retainer agreement and your case has been accepted by us.

Prior results do not guarantee or predict a similar outcome with respect to any future matter.

Mobile Auto Detailing, Reconditioning, Equipment, Supplies and Training Schools – Detail King


Find it Fast!

Find it Fast!

Welcome to DetailKing.com, for over eighteen years, a one stop shop for auto detailing supplies and auto detailing equipment for car enthusiasts and auto detailing business owners alike. We offer mobile car wash equipment for the mobile car detailing entrepreneur and auto detailing training for the new business owner or the seasoned veteran. We specialize in providing auto detailing products for mobile car detailing, including mobile auto detailing trailers and mobile detailing equipment, along with auto detailing supplies for auto detail shops. Our mission is to provide our customers with the Best Overall Experience when doing business with Detail King! Be sure to check out our Detail King Headquarters Tour Video .

With over 1,300 products for every facet of auto detailing, we also offer comprehensive auto detailing training classes and seminars for those who wish to take their craft to the professional level. We have gone above and beyond in our research and development to create our own lines of auto detailing supplies that are not only the best in the business, but eco-friendly as well! Whether you are looking to start up your own auto detailing business and need auto detailing training or need to expand your arsenal of auto detailing equipment for your current detailing business, Detail King is committed to be your life long business partner. Shop Now to see our selection of auto detailing tools, accessories, chemicals and marketing products.


Detail King’s professional-grade auto detailing products are now available for consumers and car enthusiasts. See what we have in store below.


  • Fruity Scented
  • VOC Compliant
  • 100% Biodegradable

A complete range of interior cleaners, shampoos, soaps and dressings. View Products


  • Bug & Tar Cleaners
  • Tire Dressings
  • Specialty Items

Keep your baby looking like new year round. View Products


  • Huge Selection
  • Kits Selected by Expert Detailers

Keep just about every component of your vehicle clean and conditioned. View Products


Whether you’re looking to start your own auto detailing business or are seeking to improve your existing operation, Detail King Training Institute empowers you with proven techniques, processes, industry secrets and more!

Upcoming Training & Classes

Acceptance Insurance #cheap #car #insurance #in #mississippi, #mississippi #auto #insurance


Mississippi Auto Insurance – Get a Free Quote Online

The key features of a great Mississippi auto insurance policy are value and service, and Acceptance strives to excel in both these areas. We offer a selection of industry-leading insurance products, including the following core types of coverage:

  • Mississippi mandates that drivers have bodily injury liability insurance that meets a minimum of $25,000 for each party and $50,000 per accident, and liability coverage for property damage of at least $25,000 for each accident.

Basic Liability Coverage

If you drive in this state, you must carry proof of a Mississippi auto insurance policy with a minimum level of liability coverage. A liability insurance policy will only protect the other party in an accident if you were at fault. This includes automotive repairs, replacement of damaged property and medical bills for the other driver and any passengers riding with them. Since auto accidents can be very expensive, drivers often go for additional coverage to protect their finances.

Comprehensive and Collision Coverage

You and your vehicle will be covered with comprehensive and collision protection, even if you are at fault for an accident. This type of coverage provides protection from the exorbitant costs related to property damage and rental car bills related to a collision, theft, fire, damaged windshield or vandalism. We offer a wide range of comprehensive and collision coverage with lower monthly payments for higher-deductible plans, so you can get the policy that’s right for you.

Uninsured Motorist Coverage

There are many drivers without insurance in this state, and many more are only carrying the bare minimum insurance that may not cover even half of the costs associated with a serious auto accident. If you want a Mississippi auto insurance policy that will keep you covered even if an uninsured driver collides with your vehicle, you should definitely add uninsured motorist coverage to your Acceptance policy.

You. Your Terms. Accepted. ®

Types of Car Insurance We Offer:

Low Price Auto Glass #auto #insurance #san #jose #ca


​*Used glass upon request only and subject to availability. No Used Windshields

Don t let a broken windshield or auto glass leave you broke! Our Auto Glass Windshield glass prices are low and fair. We use high quality glass and skilled workmanship to assure that your auto or truck glass repair or replacement offers maximum security for you and your passengers. We offer Direct Billing to All Major Insurance Companies.

Side Front Door Glass

Side Back Door Glass

Windshields are a key component in the structural integrity of your vehicle. Our technicians are trained to ensure you receive a factory perfect installation. We use the latest installation methods and glass product and N EVER install used windshield glass.

At Low Price Auto Glass, we are able to provide the most advanced materials available for a clean installation. All glass replacements meet safety standards. Make the safest choice and call us first. We look forward to hearing from you.

We are your source We are your resource for low priced OEM, Premium or aftermarket auto glass in San Jose. We offer low prices on new and used auto and truck glass. From windshields to door glass we have it all at the very best price possible.

Which Company Offers the Cheapest Home Insurance in New Jersey? #who #offers


Which Company Offers the Cheapest Home Insurance in New Jersey?

There is no one answer here, as companies offer policies with different levels of coverage. The key to finding the best deals is learning how to comparison-shop effectively. When you learn the secrets of comparison-shopping, you’ll be primed to make the most of your next policy, in terms of finding adequate coverage for a great price.

To help you find the cheapest home insurance in New Jersey. you’ll need to visit different companies, after determining the reputability of these firms.

Then, you’ll need to investigate their policy options and compare prices for premiums. This three-step process will save you time and energy. While you’ll need to do a little homework and research, you’ll find that doing this homework and research gives you the power to pay less for a good policy.

First off, you need to know that you’ll be buying from a carrier with an excellent reputation. There are plenty of firms which offer the cheapest coverage. Finding two or three good ones will be a superb way to get started.

So, look up companies online, make sure that they offer policies to New Jersey residents and then find out what other policyholders have to say about these firms. The companies which get great reviews should be on your short list.

Check Out Policy Options

Policy options are available at official websites. Most firms will offer a variety of policies, because they know that their customers come from all walks of life and have different needs.

If you know for sure that you can’t spend a lot of money, be sure to check out basic policies at a few different companies. These types of policies won’t have all of the bells and whistles. However, they should provide a decent level of protection. If you have a bit more to spend, look at the next-highest level of coverage, which is a medium level of coverage.

If you want the best protection, look at the most comprehensive New Jersey home insurance policies. If you’re not sure how much you can spend, using quote generators will help a lot. These handy calculators are available at most larger company websites. Just plug in required information in order to get an estimate for a preferred policy. It’s best to collect as many quotes as you can, from different companies.

Then, compare these quotes side by side in order to find the cheapest policies. As long as you collect quotes for policies which are a lot alike, you’ll be able to find a good deal and you won’t need to sacrifice the coverage features that you want.

Apply for a Policy Online

These days, there is really no need to use fax machines or snail mail in order to apply for coverage. You should be able to take care of this vital task online, with a mind to streamlining the application process. Most companies allow their customers to apply online and this process usually takes just a few minutes. It’s a great way to save time when looking for the cheapest home insurance in New Jersey and enjoy convenience.

If your application is approved, you’ll receive an email with further instructions. In some cases, you’ll need to speak to a representative or do an electronic chat with one. It’s possible that you’ll need to send in some paperwork at some point. However, the process varies from provider to provider…

Once you’ve applied, relax and wait for an answer. Companies want your business, so they shouldn’t keep you waiting for too long!

After your policy is approved, you’ll need to pay for it and payment plans will vary. For example, you may be able to pay for a year in advance, or pay monthly. It’s smart to check out payment options before you buy. Make sure that these payment options will suit your needs.

Look for Home Insurance Today

You deserve great coverage which is affordable. It is out there, although you’ll probably need to devote an hour or two to finding it. Our tips are designed to make the whole process easier. By following our helpful instructions, you’ll be able to find affordable coverage without leaving your own home. You won’t need to make appointments with agents or deal with endless phone calls or faxing.

These days, companies make it so easy for customers. So, why not take advantage of online application services, quote generators and other relevant services? They are the key to unlocking value for a new policy.

Sometimes, it’s wise to buy a higher level of coverage if you can make it work with your budget. Things will go wrong with our homes (these issues are not always predictable) and it’s nice to know that coverage will be there if there is a problem. So, keep this in mind as you shop around for coverage.

Related Posts

New Mexico Car Insurance – Quotes, Coverage – Requirements #new #mexico #car


  • Get free quotes from the nation’s biggest auto insurance providers.
  • Over 94% of Americans qualify for lower rates.

Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!

Car Insurance in New Mexico

Car Insurance in New Mexico

As part of New Mexico’s financial responsibility laws, registered vehicles must be covered by car insurance. This is to help protect drivers from costly and unfortunate incidents.

New Mexico Car Insurance Requirements

New Mexico law requires you to carry liability car insurance to help cover costs associated with injuries or property damage resulting from car accidents you may cause.

Your liability insurance must have the following minimum coverage limits per accident:

  • $25,000 for injury or death,per person .
  • $50,000 for total injury or death if multiple people are hurt in the accident.
  • $10,000 for property damage .

Optional Coverage

In addition to having liability coverage, you might want to consider other types of car insurance coverage to give you more protection in the event of an accident.

Most car insurance companies offer the following optional types of coverage.

  • Collision – This coverage will help pay for damages to your car after a traffic accident.
  • Comprehensive – This will help you with damages to your car that result from several types of incidents that do not involve traffic accidents. Examples include water and fire damage.
  • Medical payments – This will help cover your medical costs if you are injured in an accident.
  • Towing and labor.

NOTE : Collision and comprehensive coverages are usually required as part of a car loan or lease agreement.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage will help pay for your expenses when you’ve been in a car accident with a driver who does not have car insurance, or whose car insurance amounts won’t adequately cover your costs.

Technically, New Mexico requires these car insurance coverages to be part of your policy. However, you do have the option to turn down uninsured/underinsured coverage and still be compliant with car insurance laws, but you must do so in writing.

Proof of Insurance

New Mexico uses an electronic database to monitor the car insurance status of all vehicles registered in the state.

It is the responsibility of your insurance carrier to report your car insurance status into the database.

If the database does not show that you are meeting New Mexico’s car insurance requirements, you will be sent a letter notifying you that you must work with your insurance company to have your car insurance status updated in the database.

If you do not have insurance or you do not comply with your warning letter, you face suspension of your registration.

Reinstate Your Registration

If your registration has been suspended due to a car insurance violation, you must:

  • Obtain valid car insurance.
  • Have your carrier update your information to the database.

Once your information has been updated, you will have to pay a $30 reinstatement fee.

New Mexico Motor Vehicle Insurance Plan

Although all registered vehicles must be insured in New Mexico, some drivers might find it difficult to find a car insurance company willing to provide them coverage because of their driving or claims history.

The New Mexico Motor Vehicle Insurance Plan is a program meant to help high-risk drivers obtain the legally required auto insurance.

Along with several other states’ plans, New Mexico’s plan is part of the Western Association of Automobile Insurance Plans (WAAIP). To apply to New Mexico’s plan, contact WAAIP at (415) 765-6767 and they will assist you in finding car insurance.

Consumer Assistance

Because car insurance can be a complicated and sometimes highly sensitive issue, New Mexico’s Office of Superintendent of Insurance provides consumer assistance.

If you are having a dispute with your car insurance company, you can:

  • Call the Consumer Assistance Bureau at (505) 827-4601.
  • File a complaint online .

Determining Your Car Insurance Rates

Several factors go into determining the price of your premium.

While shopping for New Mexico car insurance, keep in mind that the following will often factor into your rates:

  • Your driving record .
  • Your car’s:
    • Make.
    • Model.
    • Year.
  • Your credit score.
  • Deductibles:
    • This is the out-of-pocket amount you are responsible for towards a claim.
    • Higher deductibles mean lower premiums.

Car Insurance Discounts

A great way to save on NM car insurance is to take advantage of discounts that may be offered to you.

When comparing car insurance quotes, inquire about these common discounts:

While discounts can help you save on car insurance, the best way to obtain low-cost car insurance in New Mexico is to maintain a driving record that reflects safe and violation-free driving.

Most Stolen Cars in New Mexico

Car insurance rates are typically higher for cars that are common targets of theft.

The following is a list of New Mexico’s most stolen cars in 2013, according to www.nicb.org :

  1. Ford Pickup (Full Size).
  2. Honda Accord.
  3. Chevrolet Pickup (Full Size).
  4. Honda Civic.
  5. Dodge Pickup (Full Size).
  6. GMC Pickup (Full Size).
  7. Toyota Camry.
  8. Jeep Cherokee/Grand Cherokee.
  9. Ford Pickup (Small Size).
  10. Chevrolet Pickup (Small Size).

M3 Insurance #pilgrim #auto #insurance


M3 Insurance

When M3 helps you manage risk, purchase insurance, and provide employee benefits, you have the time and energy to focus on what you do best. It’s the freedom to move your business forward.

As conference speakers and university guest lecturers, our people use their knowledge, experience, and insight to educate others. And we have strong partnerships with other industry experts, allowing us to team up and share our collective knowledge to better serve our clients.

Learn about the impact we’ve made on others, and you’ll have a

better understanding of what M3 can do for your business.

We’re proud of the way we connect with our clients and

work together to make a positive difference.

Enjoy some real-life impact stories via M3’s Blog.

What you don’t know can hurt you, so we make it our job to keep you “in the know.” Look to M3 for valuable seminars and webinars to stay informed and better equipped to make decisions. Learn from dedicated risk managers, industry experts, and outside specialists.

See what’s coming up and register today.

M3 understands the importance of people. As an employee-owned company, we stay true to our values and focused on what we do best.

Interested in becoming part of the team? Take a look at open positions and let us know if one could be right for you.

As a community-committed, employee-owned business, M3 is proud of the work we do to serve others. Since our founding more than 45 years ago, giving back to our communities has been an integral part of M3’s culture.

Learn about the diverse ways we serve others in need.

Wisconsin’s food and agribusiness industry is unique. M3 advisors have the insight and experience to grasp the complexities – and risks – along every step of the supply chain. From the farm. right up to the table. LEARN MORE

Creating genuine connections with our clients that lead to real-world results. CLIENT SUCCESS STORIES

Light and heavy truck salvage dismantlers – Coldstream Truck Parts Rebuilt Deisel


Welcome to Coldstream Truck Parts.ca

We are one of Western Canada’s largest used parts suppliers and truck dismantlers,
specializing in salvage of highway tractor, heavy off-road and light domestic truck parts.

Buying late model salvage through both I.C.B.C (Insurance Corporation of British Columbia) and a number of private insurance companies, we wreck over 250 vehicles a year.

We have been operating Coldstream Truck Parts for over 50 years and employ 14 employees.

We wreck late model domestic pickup trucks

We wreck heavy duty trucks and highway tractors including.

We carry a large inventory of light truck engines, pick up bed, truck body parts, transmissions, and suspension pieces.

We have a large inventory of used and rebuilt heavy truck transmissions, differentials, diesel engines, body parts, and suspension pieces.

If you are looking for HEAVY EQUIPMENT like excavators, loaders, cats, etc. please view or contact us at our web-site www.coldstreamhdequipment.com

We have truck part customers all over North America, New Zealand, Australia,and Mexico. Give us a call or send an email.

Our Leads #lead #generation, #business #lead, #mortgage #lead, #business #opportunity #lead, #insurance


Start Receiving Your Leads Now

We provide high quality marketing leads. All of our marketing leads are generated by us and target self motivated applicants searching the web for marketing services.

Everyone in the web design business knows the competition is becoming ever increasing. This can be difficult to get ahead of the on other web design service providers. Not to be discouraged though because there is no shortage of web design clients. All businesses are aware that they need to have a website to be competitive but most businesses don’t know how to design them.

Web Design Leads

Advertising Leads

Any business interested in growing and reaching new customers knows they need to utilize some sort of advertising. There are so many options most do not know where to start. Often times they search the web, where they find our website and fill out our form requesting a quote for advertising services. Why let your competition get the client when we can provide you with the information needed to earn their business. Utilize our advertising leads and find new clients actively searching for advertising services.

Make more money while you save more money by buying our SEO leads. It can be quite a tedious and expensive task to seek new SEO customers because the market today is saturated with SEO service providers making the competition high. So why not let someone like us do all the heavy lifting for you. Our SEO leads allow you to essentially buy new customers. Why waste thousands on mining for prospects when you can spend hundreds on contacting clients actively searching for SEO services.

SEO Leads

Mailing List Leads

Lots of businesses are looking for mailing list these days, and we know who they are. If you yourself are a provider of mailing list it’s in your best interest to take a look at our mailing list leads. When a user searches the internet for a mailing list provider, they are directed to our website where they are prompted to fill out our unique online questioner form. As soon as the form is complete the information is sent to you, so that you may contact an actively interested customer, helping you make more sales and more money.

Figuring out how to constantly drum up new business can be a difficult task for many telemarketing service providers, but not so much for those who have discovered the power of telemarketing leads. Telemarketing leads are popular, especially amongst experiences sales personnel; because they know that a high quality lead is a sure fire way to consistently get that new business. So were can someone like you get great, high quality telemarketing leads? Right here!

Telemarketing Leads

Direct Mail Leads

All business, even those in the direct mail industry, need to always be finding new customers. When contacting new prospects for your direct mail service the real trick is to finding a way to get in touch with those making the decisions. We make it easy for you to engage those people because our leads are generated from those very decision makers when they were searching the internet for direct mail services.

We offer high quality, fresh marketing leads. We gather information on potential clients as they complete our specifically targeted online questionnaire forms. The moment we receive the completed information, it is immediately routed to your email address in real time for action on your part. We also have marketing leads available as recently generated leads and also in our leads database. View one of our sample leads and create a free account.

Marketing Leads

Web Hosting Leads

With so many choices consumers have for web hosting these days it can be difficult to pinpoint new customers. Our web hosting leads can help relive some of the hassles of searching for new customers by bringing them right to you via our web hosting leads. Our online lead generation system take out all of the legwork of finding new customers and allows you to focus on sales giving you at extra edge you need to close more deals.

Sign up now, it takes less than a minute and it’s free.

We provide a variety of high quality, business service leads. All our leads are generated by us and target self motivated applicants searching the web for the business services you provide.

Looking to get the news out about the inbound call center services you offer? It can be difficult and frustrating to get the word out through the clutter of traditional media and marketing. There are many who are selling similar call center services. It would helpful to contact potential customers explain everything they need to know about your call center. We facilitate the ability to do this through the utilization of our call center sales leads. Our leads give you the opportunity to fully explain exactly what it is you have to offer and why they want yours over all the others.

Inbound Call Center Leads

Merchant Account Leads

Like customers of any product these days merchant account prospects have high expectation, especially when it comes to the amount of time they should spend waiting to find out important information about the merchant account provider they are looking for. No one wants to wait around for hours or days to hear what kind of merchant accounts services are available to them. Our leads can help you meet those expectations by putting you in contact with new prospects the very moment they express interest in merchant account services.

Get real time marketing leads that optimize your ability to communicate with new customers at the buyer stage of peak interest. We call these leads real time leads and they have the power to dramatically increase the chances that customer will take action when you contact them. Get the right time, right place marketing tool.

Incorporation Leads

Franchising Leads

Interested in decreasing your cost while boost your overall revenue? Our franchising leads cut down a number of costs like internet and pay per click marketing. By letting us take care of the generation process for you, you’ll save on the expensive costs of generating your own leads. Generating highly targeted leads is what we have been doing for over 14y years so our experience is 2nd to none.

Are you finding that your lead generation plans are turning up less than favorable results, if any at all? We can help. We have a solid plan of attach for generating new collections leads. Our proven system has been helping collections agencies find new clients for many years now.

Collections Leads

PoS Leads

Are you looking for POS leads generated the smart way? Well that’s exactly what are leads are. Our real time leads allow us to execute the best POS lead generation campaigns for you. Our design generates leads that come from genuine customer interest. This strengthens your chances of attracting new customers, thus helping you close more deals.

Looking for a simple solution to closing more deals with customers searching copier supplier? We can help! We go to great lengths to make sure you get accurate and targeted copier leads so that you can Easley connect with those looking for office copy machines and supplies.

Copier Leads

Office Water Leads

Are you looking for an effective way to get the word out about your office water services? We have the leads that can bring you to your next sale. It is difficult to market office water services though traditional media, but with our office water leads, we bring the customers right to you. We gather information on potential office water service clients as they complete our online questionnaire from our many lead generating websites, the moment we have the info we send it to you for action on your part!

Do you feel like your lead generation plan is lacking, if you have one at all? We can help you out with that. We have CRM leads that help you develop an entire plan of attack for your marketing efforts. Our leads can help you find a wealth of new customers so you can reach more people and sell more systems.

CRM Leads

Software Leads

At the moment the only software leads we have available are our popular CRM Leads but that is not to say we can not generate them for you. In fact ff there is a specific type of software lead you need contact us and we will make arragements to accomidate your needs.

Sign up now, it takes less than a minute and it’s free.

Who Has the Cheapest Auto Insurance Quotes in Alabama? #cheap #auto #insurance


Who Has the Cheapest Auto Insurance Quotes in Alabama?

Find the Cheapest Insurance Quotes in Your Area

Our team analyzed auto insurance quotes for four types of drivers across multiple companies in Alabama to find who had the best rates by insurer and city. Rates varied from city to city, but the greatest gap came from what insurers quoted. The most expensive carrier charged as much as 2.5x the cheapest auto insurance company in Alabama. This is why motorists in the Heart of Dixie should compare several quotes if they’re looking for good rates. Enter your zip code above to start shopping among top insurers in your area for great car insurance rates.

Cheapest Auto Insurance in Alabama

Rates were obtained for 16 underwriters for a single 30 year old man. The driver is a typical 30 year old motorist in Alabama with a good driving record. Based on these results, we found the cheapest auto insurance rates in Alabama at: Progressive, United Services, ACCC, National General and Infinity.

Find the Cheapest Auto Insurance Quotes in Your Area

Rates from the top three lowest cost companies averaged $800, which came out to about 36% cheaper than what the typical company charged for basic liability coverage in the state. Below is a table ranking the carrier groups with the best car insurance rates in Alabama to the most expensive.

Auto Insurance Company

Your actual rates are dictated by your record and history as a driver, and we always recommend consumers to compare across at least three insurers to find the best match. Here is a list of nine Alabama auto insurance companies included in our study, as well as the average cost of coverage for a year based on our sample driver profiles.

Cheap Car Insurance in Alabama: by City

The table below lists the companies with the cheapest auto insurance rates in each Alabama city in our study. Note that these annual premiums are composite rates based on a typical 30 year old male driver types of driver in the Yellowhammer State. Your actual quotes will be different and tailored to your individual circumstances. This merely shows who tends to offer the best rates, and in which cities.

Annual Rate From Top 3 Insurers

Birmingham, AL

Despite having the largest urban population in the state of Alabama, Birmingham has the 10th least expensive rates in the state. Car collectors are in great company in Birmingham, with the largest collection in the world of both vintage and modern motorcycles and racecars at the Barber Vintage Motorsports Museum. It’s currently the only city in the Deep South to host the Honda Indy Grand Prix on the North American circuit. Last but not least, Birmingham is home base for the Porsche Sport Driving School as well. Residents here pay on average $1,226 to insure their cars each year.

Drivers looking for the cheap auto insurance in Birmingham should include Progressive, Infinity, and National General when shopping for cheap quotes. Our analysis shows that these three companies had the cheapest auto insurance rates, averaging about $762 for our sample driver, which is 61% lower than what the average company in Birmingham was quoting.

Montgomery, AL

Montgomery is the second largest city in Alabama and home to 206,000 residents. $1,268 was the average cost for our resident driver, about $20 more in the state capital to buy car insurance compared to the rest of the state. We suggest adding Progressive, National General and United Services when looking for great auto quotes in Montgomery. Rates at these three insurers go for about $794 a year, which saves drivers 60% compared to the average insurer’s quotes in Montgomery.

Mobile, AL

In addition to being the birthplace of Mardi Gras in the United States and the only saltwater seaport in Alabama, Mobile ranks as the most expensive city for car insurance. $1,368 is the mean annual premium for in Mobile, AL based on quote data for our example driver. Quotes from Progressive, National General and United Services were the most affordable in Mobile. On average, rates from these three cheap car insurance companies in Mobile were $832 a year and about 64% lower than the citywide cost.

Huntsville, AL

Alabama’s third cheapest city is situated in the Tennessee Valley. Named to the National Trust for Historic Preservation’s “America’s Dozen Distinctive Destinations for 2010”, Huntsville, AL is the fourth largest city in the state. The average cost of insuring a vehicle in Huntsville is $1,168 for our sample, about $80 less than what other state residents may pay. Rates here are already low, but if you’re looking to go lower, start at Progressive, National General and United Services, the cheapest three auto insurers in Huntsville. Going with these three could save you $439; that’s 60% lower than the citywide average in Huntsville.

Tuscaloosa, AL

Rounding out our top five list of cheapest cities for car insurance in Alabama is Tuscaloosa, also the fifth largest city in the state with 90,000 residents. Home to the University of Alabama system and the Mercedes-Benz assembly plant, a 30 year old driver living in Tuscaloosa will pay on average $1,220 for full coverage car insurance. That’s just a tad less than the overall state mean. Based on the annual premiums we found the lowest auto insurance quotes at Progressive, National General and United Services for our 30 year old driver. Going with one of these three companies meant a premium that was lower than the city average by $430, which shaved about 55% off of what the typical insurer would charge here.

Average Cost of Car Insurance in Alabama: by City

The mean cost of insurance in Alabama was $1,249 as measured for our 30 year old male driver. Generally speaking, the cost of insurance did not vary much depending on location. In fact, the difference between the cities with the most expensive rates (Mobile, AL) and the cheapest car insurance (Dothan, AL) was just about 20% – less than other states in our other auto insurance studies.

How We Conducted This Study

We collected quotes from a variety of insurance companies across 27 towns and cities in Alabama. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.

$25,000 per person / $50,000 per accident

$50,000 per person/ $100,000 per accident

$25,000 per accident

$50,000 per accident

Uninsured/Underinsured Motorist BI

$50,000 per person/ $100,000 per accident

Uninsured/Underinsured Motorist Property

Personal Injury Protection (PIP)

Comprehensive Collision

Comments and Questions

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.

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Vintage Chevy Car Doors Car Door Accessories

Authentic vintage Chevy car doors for sale

Chevy Supply of Assonet is your source for affordable, quality, used vintage Chevy car doors and door accessories. We stock a large inventory of classic Chevy car doors for model years 1937-1972 for your vintage Chevrolet auto restoration or repair project. If you are restoring an antique Chevy car and need original Chevrolet car doors accessories, we have what you are looking for.

The right vintage Chevy car door for your classic Chevy restoration project will help return your antique Chevy car to its original, pristine condition. With authentic classic Chevy car doors, you will beautify both the interior and exterior of your vintage Chevrolet automobile at the same time and turn heads every time you pass by.

Vintage Chevy car door parts accessories

When restoring or repairing a classic Chevy car, it’s vital that you use original Chevrolet parts. We have an excellent selection of in-stock vintage Chevy auto doors driver’s side doors, passenger-side doors, rear doors, coupe doors, sedan doors, etc. Call us to find out if we have the right Chevy door that matches the model and year of your vintage Chevy project car.

We also have all of the classic Chevy door parts accessories you’ll need for your Chevy car restoration project, including: Chevy door handles and door handle assemblies, Chevy door lock assemblies, Chevy door glass, Chevy door latches, and other Chevy door accessories.

Chevy auto doors for 1937-1972 vintage Chevy car models

We have Chevrolet auto doors door accessories for most 1937-1972 Chevy car models, including: Bel Air, Biscayne, Camaro, Caprice, Chevelle, Chevy 150 210, Impala, Malibu, Monte Carlo, and Nova.

We also have vintage Chevrolet car doors door accessories for 1978-1987 El Camino and Malibu models.

1937-1972 Chevy Cars

RECOMMENDED CITY WORLD HYUNDAI #city #world #hyundai, #bronx, #ny #car #dealer, #hyundai,


City World Hyundai | Bronx New and Used Car Dealer NYC| Auto Dealer located in Bronx, New York serving Queens, Brooklyn and Manhattan offering 2017 Hyundai Elantra, New Sonata, Lease Offers on Santa Fe, Deals on Santa Fe Sport and Credit Approvals on alll models including Tucson. Drivers in White Plains, New Rochelle, Yonkers, Fordham, Pelham Bay, Rye, Bayside, Long Island City, Jamaica and Stamford, Connecticut and Paramus, New Jersey will find good reasons to Buy in the Bronx!

Welcome to our digital showroom. As an online shopper, your experience while seeking financing for a new 2017 Hyundai Elantra, competitive finance rates for a new 2017 Sonata or excellent lease payments on a new 2017 Santa Fe, Santa Fe Sport or Tucson is important to us. Elantra GT, Hyundai Veloster and Hyundai Accent models offer our customers excellent fuel economy and all Hyundai models offer America’s Best Warranty with a 10 year / 100,000 mile power train limited new car warranty, a 5 year/60,000 mile comprehensive new car warranty, roadside assistance and Hyundai Assurance.

City World Hyundai is located at 3350 Boston Road, Bronx, New York and serves all of New York City including Queens, Manhattan and Brooklyn. City World Hyundai is the exclusive Hyundai dealer in the Bronx!

In fact, for drivers wanting a new Hyundai or any pre-owned vehicle we offer excellent customer service! We will make it worth coming over the bridge such as the Triborough Bridge, the Throgs Neck Bridge and the Bronx-Whitestone Bridge to purchase or lease your vehicle at City World Hyundai! That’s a City World Guarantee!

City World Hyundai Service Department

City World Hyundai Service Department is located at 2249 New England Thruway, Bronx, New York 10475.
Our team of Hyundai certified technicians are ready to serve you and service your vehicle for regular maintenance such as an oil change or new brakes, new tires, a complimentary multi-point inspection, free battery check or any major automotive repair.

City World Hyundai is an official Trade In Center and we offer a Trade In-Trade Up program should you want to consider a newer model with a longer warranty, new technology and often for the same payment or less!

Visit us today at City World Hyundai! We look forward to serving you!

Cheap Insurance Maryland #cheap #auto #insurance #maryland


Cheap Insurance Maryland

Driving in Maryland: Statewide Stats

The state of Maryland’s mandated car insurance requirement allows motorists to save money by enrolling in defensive driving courses and purchasing vehicles unattractive to thieves. That is one of the many discounts available in the state. Drivers are encouraged to ask about others, and explore the numerous options for cheap insurance Maryland agents can offer.

The most effective way of keeping your rates low is to let companies fight for your business! We recommend getting comparison quotes twice a year, or more. It is easy to do online, but you can always call and speak to a license professional who has access to many of Maryland s insurance companies.

Insurance Facts

The average 12-month car insurance premium in Maryland was $1360 in December of 2013. Pretty expensive, if you ask us! In fact, only 5 states have higher average premiums!

These rates are due in part to the 15% of drivers who are uninsured. That and the fact that Maryland has a 5-year average of over 103,000 car crashes per year.

State Car Insurance Requirements

  • Maryland mandatory minimum bodily injury coverage per individual is $30,000.
  • Maryland mandatory minimum bodily injury coverage per accident is $60,000.
  • Maryland mandatory minimum property damage liability coverage is $15,000.
  • If your vehicle has been turned down by two insurance companies, or cancelled by one, Maryland offers the MAIF auto insurance fund. More information can be found here .
  • There are almost 4 million registered vehicles on the road in MD, and 4.1 million drivers.

Did you know?

  • When first constructed in 1813, Maryland’s Casselman River Bridge was the largest in the world.
  • MD is one of the smallest, but most densely populated states.
  • It s also the wealthiest state in the nation (highest median household income).
  • Major economic industries are transportation, the Federal Government, food-production (especially commercial fishing), and medical research.
  • Some of the silliest laws we came across were: It s illegal to take a lion to the movies in Baltimore and, in Rockville, you can t swear while on the highway (although we re not sure how you would get caught doing this one)!

Helpful Resources

DMV website

Maryland’s Department of Transportation’s Motor Vehicle Administration Office handles most vehicle-related issues; their website may be found here. A full listing of offices by county, with maps, is available here .

Registration Information

Maryland vehicle registrations are handled by the Motor Vehicle Administration office and require passage of a Maryland Safety Inspection. A full listing of offices by county, with maps, is available here .

New vehicles must be registered within 60 days, and new residents must register their vehicles within 60 days of becoming a resident.

DUI Information

Drivers convicted of a DUI in Maryland will face the following penalties:

  • up to 1 year in jail
  • up to $1,000 in fines
  • minimum 6 months license suspension

As of 2011, MD requires all offenders to have an ignition interlock device installed if your BAC was .15 or greater. Legislation is being pushed by MADD that would require the device for all convicted offenders, as there were 160 drunk driving fatalities in 2012 (representing 32% of all traffic deaths).

The Bottom Line

Although Maryland s population is the wealthiest in the nation, that doesn t mean you have to pay higher auto insurance rates! Give us a call if you re shopping. A licensed agent can walk you through the process, compare your options, and make sure you are paying the lowest available rates.

Or, if you want to speak to a local agent, head to one of our city pages below!

We Have Your Town Covered!

Average Annual Premiums in Maryland = $1,372 | via Insure.com

Have questions about auto insurance in your state? Want a quote for car insurance? Start with your zipcode for a fast, free quote.

OR speak to an agent:

Compare Insurance Policies and Plans in India #compare #insurance, #best #life #insurance,


Why Compare Health Insurance with us?

Health expenses are increasing considerably each day and so are the health risks. With a wide array of health insurance policies, the task of choosing the best health insurance policy for your needs can be quite tough and confusing. At MyInsuranceClub we provide you with comparative health insurance quotes to select the best health insurance policy in a quick and simplified manner. You can also compare features of different health insurance policies to check the best health insurance policy for your requirements.

  • With our instant online calculator. you can compare health insurance premiums easily
  • With the plan features, you do get the Best Health Insurance Comparison
  • Yes, we are Completely Un-biased in our comparison
  • MyInsuranceClub does this for you at no cost – It’s Free!

The information on health insurance is pretty exhaustive. More easily understood than even the insurance company’s website.

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I was looking for mediclaim policies which cover maternity expenses also. I found what I found on your site easily. Good stuff.

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Thanks for all the help provided by you in selecting the right health insurance plan. Your staff was also very helpful.

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This is pretty cool. Good information provided in a simple way. Easy to understand and buy online. Will share with friends.

– Kanika Srivastava, Jabalpur

What is Health Insurance?

Health Insurance, also known as Mediclaim in India, is a form of insurance which covers the expenses incurred on medical treatment and hospitalisation. It covers the policyholder against any financial constraints arising from medical emergencies. In case of sudden hospitalisation, illness or accident, health insurance takes care of the expenses on medicines, oxygen, ambulance, blood, hospital room, various medical tests and almost all other costs involved. By paying a small premium every year, you can ensure that any big medical expenses, if incurred, will not burn a hole in your pocket. The plan can be taken for an individual or for your family as a Family Floater Health Insurance Plan.

Major Benefits in a Health Insurance Policy

Cashless facility

Each health insurance company ties up with a large number of hospitals to provide cashless health insurance facility. If you are admitted to any of the network hospitals, you would not have to pay the expenses from your pocket. In case the hospital is not part of the network, you will have to pay the hospital and the insurance company will reimburse the costs to you later.

Pre-hospitalisation expenses

In case you have incurred treatment costs for the ailment for which you later get admitted to a hospital, the insurance company will bear those costs also. Usually the payout is for costs incurred between 30 to 60 days before hospitalisation.

Hospitalisation Expenses

Costs incurred if a policyholder is admitted to the hospital for more than 24 hours are covered by the health insurance plan.

Post-hospitalisation expenses

Even after you are discharged from the hospital, you will incur costs during the recovery period. Most mediclaim policies will cover the expenses incurred 60 to 90 days after hospitalisation.

Day Care Procedure Expenses

Due to advancement in technology some of the treatments no more require a 24 hours of hospitalisation. Your health insurance policy will cover the costs incurred for these treatments also.

Ambulance Charges

In most cases the ambulance charges are taken up by the policy and the policy holder usually doesn’t have to bear the burden of the same.

Cover for Pre-existing Diseases

Health insurance policies have a facility of covering pre-existing diseases after 3 or 4 years of continuously renewing the policy, i.e. if someone has diabetes, then after completion of 3 or 4 years of continuous renewal with the same insurer (depending on the plan offered and his age), any hospitalisation due to diabetes will also be covered..

Tax Benefits

The premiums paid for a Health Insurance Policy are exempted for Under Section 80D of the Income Tax Act. Income tax benefit is provided to the customer for the premium amount till a maximum of Rs. 15,000 for regular and Rs. 20,000 for senior citizen respectively.

No-Claim Bonus

If there has been no claim in the previous year, a benefit is passed on to the policyholder, either by reducing the premium or by increasing the sum assured by a certain percentage of the existing premium.

Health Check-Up

Some health insurance policies have a facility of free health check-up for the well being of the individual if there is no claim made for certain number of years.

Organ Donor Expenses

The medical expenses incurred in harvesting the organ for a transplant is paid by the policy.

Maine Car Insurance – Quotes, Coverage – Requirements #maine #car #insurance, #maine,


  • Get free quotes from the nation’s biggest auto insurance providers.
  • Over 94% of Americans qualify for lower rates.

Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!

Car Insurance in Maine

Maine Car Insurance

In Maine, you are required to have a minimum amount of car insurance coverage to drive. If you’ve just recently moved to the state, you will need to register your vehicle within 30 days of establishing residency, and you’ll need to show proof of car insurance to do so.

Read below to learn more about car insurance requirements in Maine, optional coverage types, and discounts.

Maine Car Insurance Requirements

In Maine, all drivers are required to hold:

  • Liability insurance.
  • Medical payments coverage.
  • Uninsured/underinsured motorist coverage.

Read below to learn more about each of these requirements.

Liability Insurance

Maine mandates that all drivers in the state hold the following minimum amounts of liability insurance.

  • $50,000 for bodily injury or death. per person.
  • $100,000 for totalbodily injury or death. per accident, if multiple people were injured in an accident.
  • $25,000 for property damage .

Medical Payments Coverage

In addition to the liability minimums outlined above, Maine also requires all vehicle operators to hold a minimum of $2,000 of medical payments coverage on their auto insurance policy.

This coverage type helps pay for your accident-related medical or funeral expenses you incur, including hospital, X-ray, chiropractic, and surgical expenses.

Medical payments coverage will still pay your expenses if you are found to be at fault for the accident.

Uninsured Motorist Coverage

Uninsured motorist coverage, sometimes referred to as (UM), is mandatory for all Maine drivers. This coverage protects you in the following scenarios:

  • You are the victim of a hit-and-run accident.
  • The at-fault driver in your accident does not have insurance.
  • The at-fault driver has insurance limits that are too low to cover your expenses.

Uninsured motorist coverage also pays for expenses of your family members or your passengers who were hurt while in your car. Uninsured motorist coverage does not pay for any accident-related property damage.

Required Uninsured Motorist Limits

Your uninsured motorist coverage limits must be equal to those of your liability coverage (see above) UNLESS you ask for a lower limit; in which case, you must get and sign a rejection form from your insurer. You must sign this form BEFORE the date your policy goes into effect.

NOTE: Even if you ask for an uninsured motorist limit that is lower than your liability limits, you cannot go lower than the minimum Maine liability insurance limits ($50,000 per person and $100,000 per accident).

Optional Car Insurance in Maine

While you are only required to purchase the minimum amounts of ME liability insurance to legally drive in the state, you might find that the minimum amounts won’t adequately cover your costs in the unfortunate event of an accident.

Numerous additional coverage types are available for purchase to ensure you are protected financially after an incident. These include:

  • Collision coverage – Helps pay costs resulting from a collision with another car or object.
  • Comprehensive coverage – Absorbs some of the costs associated with damage to your vehicle from incidents other than accidents, such as fire, theft, floods, and vandalism.
  • Rental reimbursement coverage – Pays a portion of your rental car expenses while your car is being repaired after an accident.
  • Towing and labor coverage – Pays a portion of your towing expenses up to the limits of your policy.
  • Loan/lease coverage (GAP coverage) – Helps cover the difference between the actual monetary value of your vehicle at the time of loss and the balance you still owe on that vehicle.

If you are interested in any of the above, speak with your car insurance agent to discuss how the additions will affect the price of your insurance policy.

Umbrella Policies

A great way to obtain higher liability limits without paying significantly higher premiums is to consider an umbrella policy.

An umbrella policy will provide protection above that of your standard liability coverage and will cover some losses that your standard insurance policy won’t cover.

To get an umbrella policy, you’re typically required to have the following limits of liability insurance:

  • $250,000 per person.
  • $500,000 per accident.

Umbrella endorsements generally add an additional limit of $1,000,000.

Questions and Concerns

If you have questions or concerns about your auto insurance policy, you can contact the Maine Bureau of Insurance. Understand, however, that while the Bureau can give you information and offer assistance, it cannot:

  • Provide legal advice or act as a lawyer.
  • Make medical determinations.
  • Determine who is at fault in an accident.
  • Estimate the cash value of your vehicle or the repair expenses.
  • Force an insurance company to insure you if no laws have been broken.
  • Resolve a dispute between you and your insurance company.

You can file a complaint with the Bureau of Insurance:

* You may use an additional sheet of paper if you need more room to explain your issue.

Car Insurance Rates in Maine

When you shop around and compare quotes, remember that many factors will go into the calculation of your car insurance rates, including:

  • Your:
    • Driving record.
    • Location.
    • Age.
    • Gender.
    • Marital status.
  • Any previous coverage.
  • How much you use your vehicle, and for what purposes.
  • Your car’s:
    • Make.
    • Model.
    • Year.
  • How many drivers will be covered.
  • Previous claims.

Insurance Discounts

One of the best ways to ensure a low-cost insurance policy in Maine is to ask about car insurance discounts for which you might be eligible. Most insurance companies offer some or all of the following discounts:

  • Good student.
  • Safety device.
  • Anti-theft device.
  • Low mileage.
  • Multiple vehicles.
  • Multiple policies (auto and home).
  • Driver education.

While you can save money on car insurance by asking about discounts, the best way to get cheap ME car insurance is to drive safely and maintain a clean driving record.

Most Stolen Cars in Maine

If your car is highly targeted for theft, you may have to pay higher car insurance rates.

The following is a list of Maine’s most stolen cars in 2013, according to www.nicb.org :

  1. Ford Pickup (Full Size).
  2. GMC Pickup (Full Size).
  3. Chevrolet Pickup (Full Size).
  4. Jeep Cherokee/Grand Cherokee.
  5. Ford Focus.
  6. Honda Civic.
  7. Dodge Caravan.
  8. Subaru Legacy.
  9. Ford Taurus.
  10. Dodge Pickup (Full Size).

Car Insurance – State Farm #auto #insurance, #car #insurance


State Farm �Car Insurance

Shopping for car insurance? You’ve come to the right place! State Farm keeps you and your family covered with great auto insurance that’s also a great value. Get an online auto insurance quote, or speak with an agent or representative, any time, day or night. Either way, you’ll learn how competitively priced auto insurance from the industry leader can be.

  • Get an online auto insurance quote it’s fast and easy.
  • Nearly 18,000 agents nationwide chances are there’s one near you.

Already a State Farm auto insurance customer? Make a payment. log in. or register for online account access.

Find Out What Sets State Farm Apart

At first glance, insurance companies probably all look alike. But there’s a reason why so many people insure their vehicles through State Farm. Actually, there are several.

  • Check out our long-term financial strength and reliability Auto Insurance Ratings .
  • State Farm is the largest auto insurance provider in the US. 1
  • Personal service from thousands of local agents.

Save Money with Auto Insurance Discounts

Want to save money on insurance? We thought you might. Which is why we have a list of potential discounts that make our industry-leading insurance even more competitive.

  • Save a lot when you purchase both car and home policies.
  • Drive Safe & Save , Steer Clear . and other discounts for safe drivers.
  • Do you have a car alarm or some other anti-theft device? There’s a discount for that, too.

Auto Insurance Options That Keep You Covered

When it comes to auto insurance, you have plenty of options. Fortunately, we’ve got thousands of agents who are happy to help you choose the ones that are just right for you!

  • Liability helps pay for vehicle damage and injuries if you’re at fault.
  • Collision pays to repair or replace your vehicle if you’re in an accident with another car, hit an object, or if your car rolls over.
  • Find out about�other�State Farm auto insurance options .

Let’s talk about what’s important to you! Schedule an appointment with your State Farm agent and together we can discuss how State Farm can help life go right.

Low Cost Auto Insurance with Baker Insurance Group, Inc #car #insurance, #auto







Many insurance companies in Lee County, FL and Collier County, FL are only interested in covering certain clients. At Baker Insurance Group, we can get you affordable coverage in Fort Myers and Naples even if you have bad credit, a driving record with violations, a lapse in coverage, or no prior insurance. We welcome all clients from Southwest Florida who need statements of financial responsibility like SR-22’s or FR-44’s. We can provide coverage with bodily injury liability as needed. We can deliver non-cancelable policies as well.

* Low Cost Car Insurance *

*Fort Myers (239)337-5551* *Naples (239)692-9861*

Serving all of Southwest Florida, including Fort Myers, Naples, Sanibel, Captiva, Golden Gate, Lehigh Acres, Fort Myers Beach, North Fort Myers, Bonita, Estero, Pine Island, North Naples, Gateway, Lee County, and Collier County.

Baker Insurance Group started in 2003 on Rt. 41 in Fort Myers and for the past thirteen years we have been providing Southwest Florida with the most affordable car insurance available. We have recently opened an office in Naples as well. In Naples and Fort Myers, auto insurance is a necessity, considering the importance the law places on it, and we work to find the lowest cost coverages available while still insuring that our clients have the protection they need through reputable insurance carriers licensed to do business in Florida. Many insurance agencies in Naples, Fort Myers, and Cape Coral say that they have the lowest rates but only represent one or two insurance companies. At Baker Insurance it is not unusual for us to quote a client through five separate insurance carriers and select the lowest cost option available. It IS unusual, however, for other insurance agents in Naples, Fort Myers, or Cape Coral to beat our low rates, low down payments, and low monthly payments.

Baker Insurance Group has been committed to the Southwest Florida community for nearly a decade, supporting local little league teams, girls’ basketball, Lee County Boys and Girls Club, local boxers in Fort Myers, and other important regional and community organizations. Not only are we dedicated to providing the most affordable insurance with the best coverage to the residents of Soutwest Florida, we are serious about helping the community improve and prosper.

In short, Baker Insurance Group is committed to providing our clients with the best coverages possible at the most affordable cost available in Southwest Florida. Everyone with a car in Lee County, FL or Collier County, FL needs auto insurance. At Baker Insurance Group, We pride ourselves in knowing that we can provide them with it at the lowest cost in Naples, Fort Myers, or Cape Coral. It isn’t even unusual for other car insurance agencies to refer clients to us.

Washington D #cheap #auto #insurance #in #dc


Get a Washington, D.C. Car Insurance
Quote from 21st Century Insurance

Washington D.C. is the nation s capital, and home to a wealth of history and culture. Beyond the monuments to American history, like the Lincoln Memorial, Washington Monument, and Vietnam Veteran s Memorial, Washington D.C. offers great restaurants, stunning museums, and beautiful urban landscapes. And as the heart of our nation s government, Washington D.C. is home to many of the government s top offices and plenty of connected industries that service that community. Whether you work for the government in Washington D.C. or many of the other industries located there, you re likely looking for ways to save money and 21st Century Insurance may be able to help.

When you get a Washington D.C. car insurance quote from 21st Century, you may find you re eligible for one of many car insurance discounts that may save you money.

Washington, D.C. Car Insurance Quote and Discounts from 21st

21st Century offers a variety of car insurance discounts that fit all types of age groups and lifestyles.

If you are a Washington D.C. resident that has more than one car you may be eligible for 21st s multi-car discount. Just insure more than one car with 21st Century to qualify for the discount. And if you own your own home, you re also eligible for a homeowner s discount from 21st Century.

If you re a senior Washington D.C. resident, you can also save with 21st Century car insurance discounts. Through our mature driver discount, drivers 55 years or older can save on their insurance coverage. In order to qualify, drivers must complete a state-recognized defensive driving course.

There are also 21st Century car insurance discounts available for younger Washington D.C. residents that will help them save significantly.

Good Student Discount: For students under the age of 25, who maintain a B grade or better

Driver Training Discount: For drivers under the age of 21, who complete a driver training course

If you have a car equipped with additional safety measures, 21st Century will reward you with various discounts. If your car has any of these features, it may be eligible for a discount.

Automatic seat belts

An anti-theft system

An anti-lock braking system

If you re looking for affordable auto insurance in Washington D.C. 21st may be the perfect insurance company for you. 21st offers the same great coverage for less in Washington D.C. with discounts that may help you save money.

And don t worry, if you re already a 21st customer, you may already be saving money with one of these discounts. But if you think you re missing out check your policy details at 21st.com or speak with a representative.

Get a Washington D.C. auto insurance quote from 21st and see what car insurance discounts are available for you today.

All About Auto Insurance

Understanding Auto Liability Limits – TASK Insurance Agency #auto #insurance #liability #limits


Understanding Auto Liability Limits

Looking over your policy or shopping for auto insurance, you will see auto policy limits listed in many different ways. One common way is 100/300/100 or BI 100/300 PD 100. If you are unsure what those numbers mean and would like a little information, this article is for you.

Auto Liability Limits

The liability limits on your auto policy covers bodily injury that you are/would be legally liable for in a court of law. An example of this would be running a red stop light and colliding with another vehicle. In this situation you would generally be found legally liable due to not following the rules of the road (aka you should have stopped at the red light). To make things simple we will all agree that you are at fault and a court has ruled so. In this instance you are now responsible for the other parties injuries (the other car you collided with).

Understanding limits of liability

We now will take a look at bodily injury liability limits. As indicated above you currently have 100/300 BI. These limits are $100,000 per person up to $300,00 per accident. Let s say the other party suffered injuries of $100,000. In this instance your insurance policy covers you up to $100,000 per person so your policy would cover all expenses. If we take the same scenario and assume you had a policy of 25/50 then we now know that this would be $25,000 per person up to $50,000 per accident. If the other party suffered the same medical bills of $100,000 then your insurance policy would exhaust it s limit of $25,000 and you would be responsible for the other $75,000.

The last number in 100/300/100 or 100 PD is your property damage limit. This is the amount your insurance company will pay for property damage in the above accident due to your negligence. The property damage limit works similarly to your bodily injury limit but it would handle the property side of things.


In the above scenario we assumed only one person was injured. Let s add two other passengers to the vehicle for a total of 3 people. Let s also assume each person had the same $100,000 medical bills. If we look at our 100/300 limits we can see that your policy will cover all of the medical bills for a total of $300,000. If we go back to the 25/50 limits we can see that this policy will cover each injured person up to $25,000 for a total of $50,000 per accident. Your policy would pay a total of $50,000 ($25,000 x 2) and this would leave a balance of $250,000 to be paid by you.

As you can see from the above examples, it is important to pick the correct liability limits for your situation.

The above example attempts to explain the basics of an auto insurance policy. This example does not represent all situations and does not account for any policy provisions that may prohibit payment in this situation. Please consult your policy for full details. Your policy is the deciding factor on all coverages.

Cheap Car Insurance #car #insurance, #auto #insurance, #cheap, #cheaper, #cheapest, #low #rates,



We understand consumers often need the lowest price possible when it comes to choosing an auto insurance company. Our customers also want the right amount of coverage to keep their family safe and protected from life s unfortunate accidents.

At Cheap Car Insurance. we believe in having the best of both worlds — low rates, excellent coverage and local reps who are there every step of the way. This is what sets Cheap Car Insurance apart from our competition. And that’s what makes us the obvious choice when it comes to your car insurance needs.

Why We Exist

Extreme Savings

Our emphasis on red tape removal and streamlining translates to serious savings for our customers. In a world where corporate bloat is the inevitable outcome of mega-sized insurance companies, we focus on the exact opposite: making things easier and faster. When other companies are saying, How can we add another step to make things better? we are asking ourselves, How can we remove a step to make things better?

We also do not spend billions on advertising like some companies in attempts to attract every customer in the world because we prefer to pass those savings on to you and rely more heavily on our customers telling their friends about us. That s how good products should be sold.

Un-Corporate-Like Transparency

While other companies make empty promises about savings, we actually let our customers report them publicly for the world to see. Check out our Recent Savings chart to the left to view their unfiltered comments. True, not everyone saves money here, but most do.

We focus on improving the conversation with our customers, which has resulted in one of the highest satisfaction rating in the industry.

Personal Customer Service

We believe in providing exceptional customer service and we hope that your time on our site is always a first class experience. Our support work is never outsourced to other countries. We also only hire experienced reps who help us respond faster than most insurance companies.

If cheap car insurance is what you need, then you ve come to the right place.

The Cheap Car Insurance Commitment

We stand behind our commitment to do our best to get you the lowest auto insurance quotes online. Now it’s easier than ever to search and shop for cheap auto insurance quotes.

Furthermore, we know our customers want the right amount of coverage to help keep their family safe on the road. That’s why we emphasize on red tape removal and streamline processes to help find cheap full coverage car insurance rates and the cheapest insurance companies for our customers.

One Good Reason to Shop With Us

“After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised “bargain” companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [. ]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it’s well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years.”

Whether you need a free car insurance quote or are just shopping around, by filling out our easy-to-use form, we’ll find the best and cheapest full coverage car insurance options tailored to your insurance needs. At Cheap Car Insurance, we are the simplest and safest way to save money on your car insurance!

How Much Did You Save With Us?

Tell us how much you saved on your car insurance, and we might just feature your savings right here on our site along with our other top savers!

Cadillac Dealer Near Cleveland – Crestmont Cadillac – Near Mentor #crestmont #cadillac,beachwood


Crestmont Cadillac, a premier Cadillac dealer

1. Payments are for a 2017 XT5 Standard with an MSRP of $40,390. 36 monthly payments total $14,004. Total Lease Cost is $17,355.00. Lease based on net capitalized cost of $36,817.20 including down payment of $3,360.00 and $0 in applied incentives. Option to purchase at lease end for an amount to be determined at lease signing. GM Financial must approve lease. Take delivery by 8/31/17. Mileage charge of $.25/mile over 30,000 miles. Lessee pays for maintenance, excess wear and disposition fee of $595 or less at end of lease. Not available with some other offers. © 2017 General Motors. All Rights Reserved. Cadillac® XT5®

1. Payments are for a 2017 CT6 Luxury Collection with an MSRP of $59,690. 39 monthly payments total $24,141. Total Lease Cost is $28,450.22. Lease based on net capitalized cost of $54,781.20 including down payment of $4,310.00 and $0 in applied incentives. Option to purchase at lease end for an amount to be determined at lease signing. GM Financial must approve lease. Take delivery by 8/31/17. Mileage charge of $.25/mile over 32,500 miles. Lessee pays for maintenance, excess wear and disposition fee of $595 or less at end of lease. Not available with some other offers. © 2017 General Motors. All Rights Reserved. Cadillac® CT6®

We Are the Cadillac Dealer For Beachwood

Crestmont Cadillac is the #1 volume Cadillac dealer in Ohio for a reason. We have an incredible inventory of new Cadillac vehicles to choose from at outstanding prices. Our Beachwood dealership has attractive auto lease offers. With the Crestmont Advantage, Mentor Cadillac shoppers and many others enjoy 24/7 roadside assistance, nitrogen inflated tires and free car washes for life! View our inventory of new cars to see what we have for you. Come Experience the Crestmont Difference. Looking for something with a few more miles? Crestmont Cadillac also has a great selection of used cars in Beachwood.

Crestmont Cadillac moves a lot of vehicles. In order to maintain our big volume dealer status, we stay on top of things with a first class finance department. Let our experienced financial professionals help you into the car of your dreams. Fill out our finance pre-qualification form to get pre-approved for outstanding Beachwood auto loan options. We have auto lease options for those in the area, including our Mentor Cadillac seekers.

Car Accidents #call #(800) #561-7777, #freeman #injury #law #helps #victims #and #their


Car Accidents

Car accidents happen when drivers do not follow the rules of the road, or when drivers are more careless than they reasonably should be. If a car accident happens, someone is at fault. Whoever is to blame should compensate victims for serious injuries, or for the wrongful death that a collision causes.

Freeman Injury Law s experienced car accident attorneys in Fort Lauderdale, St. Lucie, Orlando and West Palm Beach offer veteran representation to traffic accident victims and their families. Our car accident lawyers have decades of collective experience in handling auto accident claims and we only represent those who have been hurt. Whether you were a pedestrian, bicycle rider, motorcyclist, passenger or driver in a vehicle, we are here to help you. Call now to schedule a free consultation to learn how Florida laws protect accident victims, and how our experienced injury attorneys help victims protect their rights.

What Are Your Rights After a Car Accident

In Florida, no fault insurance laws mean that your own insurer may pay for medical bills and wage losses after a crash, no matter who was to blame. However, Personal Injury Protection typically offers just $10,000 and comes with strict deadlines for treatment and payment. And often, insurance companies will deny benefits. A car accident attorney can help you notify your insurer, answer questions, negotiate an appropriate amount of compensation, and fight for your right to get the benefits you deserve following a serious or fatal traffic accident.

Florida laws also allow victims of serious injuries, and those who have lost loved ones in crashes, to pursue damage claims against drivers who cause accidents. If you were badly hurt or if someone in your family was killed in a crash, you need to move forward with an injury claim if you wish to get adequate compensation. Freeman Injury Law has recovered millions of dollars in damages for car crash victims. Because every case is different, you should reach out to an experienced injury lawyer as soon as possible when a collision occurs.

Who is Responsible for a Car Accident?

To get compensation for a collision, you must show a defendant is responsible for hurting you. Many people assume only the other driver in the accident can be held liable for a crash. The reality is, there are often multiple defendants who could be obliged to compensate you for crash losses.

After you get into a car accident, you could sue the other driver if you can prove the motorist was negligent. A violation of safety rules creates a presumption of negligence, but there are other ways to prove the motorist should be held accountable due to being unreasonably careless.

If that driver was at work, you can also sue his employer in many cases. This includes truck drivers, but also other motorists who were driving for their jobs at the time of the accident.

If problems with the roads led to the collision, you could sue road designers as well as the other driver. If there was an issue with your vehicle or someone else s car that caused the crash or made injuries worse, then the car manufacturer could be to blame for your collision losses.

One of the first jobs of a Florida car accident lawyer is to help you determine all possible defendants. The goal is to ensure you can be fully and fairly compensated by those who are to blame.

Taking Legal Action

Freeman Injury Law is your guide and advocate at every step of recovering compensation after a crash. Not only will we help you to determine all parties who are responsible for covering your injury costs, but we ll also work hard to gather the necessary evidence to prove who was to blame. Since you must show the defendant is at fault, having solid evidence is essential to getting the money you need to move on.

Many insurance companies try to pressure you to accept low settlements, especially when they know you can prove your case. We ll deal with the insurer on your behalf, and we will work hard to maximize your compensation through settlement negotiation or litigation. You do not have to handle your crash claim alone. Give us a call at 1-800-561-7777 or contact us online so we can put our decades of legal experience to work for you. Your case consultation is free and there is no obligation. Representation is also no-cost to you, unless we recover compensation for losses. Call now to learn more.

  • Entila v. Cook Co-Worker Can Be Liable for Negligence if Not Acting in Course/ Scope of Employer Typically if you are injured at work, you should be able to collect workers’ compensation insurance. However, because workers’ compensation is
  • Report: Sleep-Deprived Drivers No Better Than Drunk Drivers One of the greatest risks on the road is drunk drivers. We all know that. But another hazard that is equally dangerous and gets far less ink
  • Gearhart v. Mutual of Enumclaw Ins Co. UIM Anti-Stacking Language Invalid Many auto insurance policies contain anti-stacking provisions that are intended to avoid applying multiple sets of deductibles or multiple sets of
  • Orlando Car Accident Lawyers: Don’t Reject Uninsured Motorist Coverage As Florida personal injury attorneys, our legal team has seen numerous cases wherein car accident victims aren’t sure whether they have uninsured/
  • New Florida Uber, Lyft Regulations Go Into Effect in Florida Statewide rules on Uber, Lyft and other ridesharing services went into effect earlier this month, after Gov. Rick Scott agreed to create uniformity as
  • A Look at Bike Crashes in Miami A recent news article from the Miami New Times takes a look at the five worst intersections in the city for bike crashes. While we are not going to

Jean Wall State Farm Insurance in Seattle WA #guaranteed #auto #protection #insurance


Jean Wall Insurance Agency Inc

  • State Farm Agent, Seattle, Bellevue, Shoreline, Greenwo
  • and State of Washington. My awesome team of Licensed
  • Professionals will help you with Auto, Home, Life and
  • Renter’s Insurance. We provide professional options
  • for protecting your things at home or away from home.
  • Discounts for auto insurance bundling.
  • We offer more than just auto insurance.
  • We build life long relationships.
  • We do community, Boys and Girls Club
  • More community, Holiday Clothing Drives
  • Focused on relocation of insurance to Washington
  • We are State Farm, Auto, Home, Life
  • We can help you realize your dreams.
  • Stop by, we will show you that having your insurance
  • with Jean Wall State Farm is more than you imagine
  • Alumni Iowa State University, WA resident, 30 years

Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.


State Farm Bank, F.S.B. Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp. (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.

Big Country 92 #auto #insurance #sioux #falls #sd


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DEVELOPING: Two dead, more injured in Alcester

ALCESTER, S.D. (KELO AM) A car rammed into a group of people outside a nursing home in Alcester, South Dakota, Monday morning, killing tw.

UNDATED (KELO AM) 57 percent of South Dakotans approve of the way President Trump is handling the job, according to newly released Gallup.

  • WASHINGTON, D.C. (KELO-AM) — Senate Republicans had hopes of completing health care reform, then moving on to tax reform this summer.

  • RAPID CITY, S.D. (KELO-AM) — The newly formed South Dakota Technical Education Board held their first meeting last week in Rapid City, a.

  • SIOUX FALLS, S.D. (KELO-AM) — Garth Brooks must really like Sioux Falls. And Sioux Falls must really like Garth. The Sanford Premier Ce.

    K ip Moore has the fastest-rising single of his career so far, with his top-15 hit, More Girls Like You. It s returning to the world-f.

  • G arth Brooks has a top-25 hit with Ask Me How I Know, and the CMA Entertainer of the Year has to admit he .

  • Though it appeared Scotty McCreery was trying to take a loaded gun on board a plane last week, it seems it was actually a.

  • With his top-ten hit, Somebody Else Will, on its way to number one, Justin Moore is planning a return visit.

  • Look for a new song from Thomas Rhett next Friday. TR has shared a sneak of his new single, Unforgettable, .

  • Automobile Chassis Manufacturer & Chassis Products #auto #attack #range


    Auto Weld is a unique and innovative manufacturer of chassis products. We make components that are made to endure the demands of the track and street.
    Our chassis products, mandrel bent frame rails, frames, housings, race and street rod products are made in our shop. Our drag racing cars and trucks have went on to win in NHRA and other racing sanctions. With our kits you can build your own high quality chassis for racing or pro-street.
    Take a look at our online catalog to find the chassis products that you might need for your project build. For more information on any of our products, contact us, and we will be happy to help you find what you are looking for.

    Check out the
    Because of the volatile “steel market”
    and “fuel charges”, our pricing is
    always being updated, and is current!

    AUTO WELD has the capability to offer
    complete 2×3 and 2×4 perimeter,
    mandrel bent, in-house designed
    chassis’ for the Pro-Street and
    Street Rod industry. We call
    them our “DREAM CHASSIS”.
    One of our S10 (2×4) 4-link chassis
    shown above!

    We manufacture some of
    the most unique chassis
    products in racing along
    with many other components
    that WORK! Our quality is
    second to none! WE build and
    manufacture chassis products
    like 2×3 and 2×4 bent frames
    and chassis, 9″ Ford housings,
    and more for Drag racing CARS
    and TRUCKS,(NHRA and IHRA, along
    with other racing sanctions). Many
    championships have been WON using
    our products! We have built
    STREET RODS that have been
    “award winning”!
    And we have built some of the
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    Did you ever put models together
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    -Our products range from 9″ Ford housings,
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    We do 2×3 and 2×4 mandrel frame bending to your specifications!-


    “Our products have been
    tested on the Street
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    of our products have been
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    Over the years
    we have created some
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    Midwest City Auto #midwest #auto #insurance

    Car Buyers Peace of mind

    Peace of Mind from a Dealer You Can Trust. At Midwest City Auto, our customer-centered mission is to provide Peace of Mind, whether you buy a vehicle from us or not. Come on over to the East Side, and into the low-pressure, low-stress world of Midwest City Auto. We have the cars, trucks, vans, and SUVs that you are looking for in Oklahoma City. Over our combined 35 years in business, we have created over 12,000 happy customers, and they keep coming back. We could tell you that it’s because we offer the cleanest hand-picked vehicles, or that it’s because of this staff that never fails to impress, but really we think it is because we do things the right way. We believe our customers work hard to earn a living and want a place that respects the money they spend on a vehicle. Peace of Mind is defined in three ways:

    1) Top Quality Vehicles 2) Best Available Finance Options 3) A Dealer They Can Trust!

    That’s our mentality in a nutshell. And if you’re looking for a military/Veteran friendly dealership, Service Above Self starts at the top with our owner, a prior Field Artillery decorated combat veteran of the U.S. Army.

    If you are looking to sell your vehicle, then let us know because we are always looking to buy. Midwest City Auto is a family owned dealership that is oriented around the customer. Whether you are from Texas, Kansas, Arkansas, or simply from right around here in Oklahoma City, you should come to Midwest City Auto and take a look around. Let us show you what we have to offer, and let our down-to-earth Peace of Mind attitude take the stress right off your shoulders.

    Let’s Get Started

    Hit and Run Accidents #call #(770) #284-3727, #miller #legal #services, #llc #helps


    Hit and Run Accidents

    Skilled Car Wreck Lawyers Assisting Victims Near Marietta

    Any automobile accident can be traumatizing for a victim, but a hit and run can be especially troubling for an injured person who is left to deal with the aftermath. Georgia law outlines specific duties and responsibilities for a driver in the event of a wreck. People who fail to abide by these laws can be held liable for their actions. If you or someone close to you has been injured by a careless driver in the Marietta area, we can help. The car wreck attorneys at Miller Legal Services can offer the legal representation you need to assert your right to compensation.

    Hit and Run Accidents

    In the state of Georgia, hit and run is a serious crime and can even result in felony charges. All drivers involved in an automobile accident are required to immediately stop at the scene if the event caused injury, death, or damage to a vehicle. Each motorist has a duty to provide the other with his or her personal information, including names, addresses, and vehicle registration numbers. Drivers also have an obligation to render aid or get help if someone is seriously hurt. This typically involves calling 911 and requesting an ambulance to transport the injured party to the hospital.

    A driver who knowingly fails to stop after an accident will likely face a misdemeanor charge for a hit and run, provided that nobody suffered serious or fatal injuries. Penalties for a misdemeanor hit and run charge include a potential fine of between $300 and $1,000, as well as possible jail time for up to 12 months. The driver could also face a license suspension or probation. Someone who leaves the scene of an accident that results in serious or fatal injuries may face a felony charge, which leads to a longer prison sentence.

    Hold Negligent Drivers Accountable for Your Injuries

    If a hit and run driver is caught, the victim can file a civil lawsuit against him or her under the theory of negligence. This type of claim allows the injured person to seek monetary compensation for his or her harm. Negligence is the failure to take reasonable care behind the wheel, resulting in foreseeable harm to someone else. To assert the right to compensation, the victim must establish the following elements:

    • The defendant owed the injured person a duty of care;
    • The defendant breached the duty with some careless conduct;
    • The defendant s carelessness caused the accident; and
    • The victim was forced to incur quantifiable damages as a result.

    In most types of car accidents, such as a hit and run, the duty of care is defined as what the typical, reasonably prudent person would do when faced with a similar situation. Since the ordinary motorist likely would obey Georgia laws and stop after being involved in an accident, a hit and run driver probably has fallen short of this standard and thus breached the duty. It can be challenging to draw a direct causal link from leaving the scene to causing the harm, for the injuries often resulted from a collision that happened before the defendant fled. Even if this is the case, however, it is logical to think that a driver who committed a hit and run may have done so because he or she violated a traffic rule or engaged in some other form of negligent behavior. A seasoned attorney can help investigate the circumstances of your accident to determine what may have happened.

    Depending on the nature and extent of his or her injuries, a victim who succeeds in a negligence lawsuit may be able to recover reimbursement for hospital bills, future medical expenses, pain and suffering, rehabilitation costs, property damage, and any other costs arising from the wreck. In accidents involving a hit and run driver, punitive damages can also be awarded. The compensation can be awarded over time or in a single lump sum amount.

    Contact a Marietta Attorney to Discuss Your Auto Accident

    If you have been hurt because another driver acted negligently, you should consider contacting an auto accident lawyer who regularly handles these claims near Marietta and is willing to bring a lawsuit if necessary. At Miller Legal Services, we understand the physical, emotional, and financial toll this type of event can take on you and your entire family. For more information, call us at 770-284-3727 or contact us online for a free, no-obligation consultation. We have proudly served injured individuals in Roswell, Smyrna, and throughout Georgia.

    3535 Roswell Rd

    Marietta. GA 30062

    Phone: 770.284.3727 Fax: 866.397.0242

    We serve the following localities: Chatham County including Savannah; Clarke County including Athens; Cobb County including Marietta; DeKalb County including Decatur and Stone Mountain; Fulton County including Atlanta, College Park, and Roswell; Gwinnett County including Buford, Lawrenceville, and Norcross; and Oconee County including Watkinsville.

    Hit and Run Accidents. Marietta Hit and Run Accident Attorney Miller Legal Services, LLC

    Jacksonville Auto Accident Attorney #jacksonville #auto #accident #attorney


    Auto Accidents

    Jacksonville Auto Accident Attorney

    Representing the Rights of Car Accident Victims

    According to the http://www.nhtsa.gov/NCSA National Highway Traffic Safety Administration (NHTSA). 1 more than 2.3 million people suffer injuries each year in traffic accidents in the United States. While some auto accident victims may only have minor cuts and bruises, others can have their lives completely changed in that instant due to severe and lasting injuries. Not only do auto accident victims struggle with their physical recovery, they also often incur significant financial losses, as well. Attorney Benjamin Williams helps accident victims in and around the Jacksonville area recover for these losses.

    If you have been injured in an auto accident, you should call an auto accident attorney at Williams Law to discuss your situation today.

    Common Auto Accident Injuries

    Injuries sustained by auto accident victims can be extremely varied. The nature and severity of injuries will depend on the type of collision (rear-end, head-on, rollover, among others), the types of vehicles involved, the speed at which the crash occurred, whether the victim was wearing a seat belt, and several other factors. Some of the most common injuries sustained in auto accidents are as follows:

    • Whiplash and other neck injuries
    • Back injuries
    • Spinal cord injury
    • Traumatic brain injury 2
    • Burns
    • Contusions
    • Lacerations
    • Internal organ damage
    • Broken or crushed bones
    • Amputations

    Most car accident injuries require emergency medical attention and may require long-term and costly treatment, including surgery, hospitalization, rehabilitation, home health care, and more.

    Helping You Recover

    Not everyone can recover after an auto accident and an experienced lawyer can review your case and advise you of your rights. If your accident happened because another person or party was negligent, you have the right to hold that party liable for your losses. Negligence happens when someone does not act with reasonable care and there are many different negligent acts that can lead to car crashes, including the following:

    • Distracted driving
    • Drunk or drugged driving
    • Aggressive driving
    • Violating traffic laws or signals
    • Failing to maintain a vehicle
    • Selling vehicles with dangerous defects
    • Designing dangerous roads or intersections
    • Failing to maintain roadways

    As you can see, different types of parties can be negligent and cause accidents, including other drivers, auto manufacturers or repair shops, and government entities. The legal questions and evidence that will be involved in your case will differ depending on the negligent party and the specific act of negligence. Identifying and proving negligence is essential to recovering for your losses and our team at Williams Law has knowledge and experience in this process.

    We can help you recover for your medical bills, lost earnings, future financial losses, physical pain and suffering, emotional distress, and more. The value of your case will depend on the circumstances of your accident and the severity of your injuries.

    Contact an Experienced Jacksonville Auto Accident Lawyer Today

    If you have been injured in any type of collision, it is important to discuss your options with a skilled and dedicated auto accident attorney. At Williams Law, we truly care about the best interests of every client and will work for the best possible results for you.

    Mr. Williams handles each case personally. We take a personal interest in each of our clients’ lives because we understand how these injuries affect the victims and their families. Let us handle your claims so you can concentrate on healing.

    Don’t be treated like a number. At Williams Law we protect clients like family.

    Remember, you pay NOTHING up front, and you pay NOTHING unless we win.

    You have nothing to lose and everything to gain, so call our office today at (904) 580-6060 or send us an email through our online contact form .

    Cincinnati DUI #cincinnati, #drunk #driving, #dui, #dwi, #ovi, #criminal #defense, #attorney, #lawyer,

    Disputes, Criminal Litigation, DUI OVI DWI

    If you are embroiled in a dispute that is headed for litigation, our Cincinnati lawyers are ready to vigorously protect your rights and represent you and your interests in court. Our civil and criminal litigation practice includes representation on cases involving misdemeanor and other criminal charges, dui/ovi/dwi, personal injuries and wrongful deaths, divorce, child custody, and support matters, will contests, employment discrimination lawsuits, bankruptcy litigation, business litigation, and property disputes. Whether you need an aggressive Cincinnati auto accident attorney, a bankruptcy lawyer, a divorce lawyer, or an experienced felony criminal defense attorney, our litigation team is ready to fight for you.
    Contact Us

    Need Information About Your Legal Options?

    If you would like to discuss how we can help with your legal problem, contact us anytime. We are happy to answer your questions and schedule an appointment for you to meet with an attorney. Our attorneys are conveniently serve clients in Loveland, Cincinnati, Batavia, Hamilton, Fairfield, Mason, and Clermont, Warren, Hamilton, and Butler Counties in Ohio, as well as clients in Campbell and Kenton Counties in Kentucky. We are a debt relief agency. Our attorneys help people file for bankruptcy relief under the Bankruptcy Code.
    Contact Us

    Litigation in Criminal, Family, Business, Personal Injury, or Probate Law

    The Cincinnati lawyers at the law office of James S. Arnold are dedicated to aggressively protecting your rights and fighting for you. We provide a broad range of legal services in Ohio and Kentucky. Because our practice is so diverse, we are always ready to go to work for you on virtually any legal need in Ohio and Kentucky.
    Learn More

    Cincinnati, Ohio Bankruptcy Attorney

    If you are facing foreclosures, repossessions, wage garnishments, liens, and constant calls and letters from creditors and collection agencies, we are ready to assist you. At the Law Office of James S. Arnold, we are a debt relief agency, aiding clients in filing for bankruptcy relief under the Bankruptcy Code. Contact a bankruptcy lawyer at our firm today to learn more through an honest assessment of your situation.
    Contact Us

    Cincinnati DUI and Criminal Defense Lawyers

    If you have been issued a ticket, charged, indicted, or arrested, you have the right to have your attorney present during ALL questioning by police and at EVERY court proceeding. Securing and preserving evidence and witness accounts immediately is imperative, so contact us at once.
    Contact Us

    Identifying Auto Insurance Companies with a Policy Number #auto #insurance #policy #sample

    How to Use a Policy Number to Identify an Insurance Company

    Here’s what you need to know.

    • Because of the stress involved in a car accident, many people forget to get complete and proper information from the other party.
    • If all you received was a policy number, you might have a hard time finding out who the insurance company is.
    • There are steps you can take before an accident to be prepared and help you remember what to do in the event of an accident.

    The ability to identify a car insurance company with only a policy number may become important when you are involved in an accident.

    The reality is that when an accident occurs. your nerves are shaken and even if minor damage is sustained, you don t think as clearly as you normally would.

    When this happens, many people throw out the rules they have been taught about:

    • what to say when an accident occurs
    • what to do when an accident occurs
    • what to get from the other driver so that you can report the information to your insurance company

    The police do not handle that for you; it is your responsibility.

    A problem that regularly occurs is that people in this situation forget to exchange the proper information, most commonly insurance information, or they don’t get the complete information.

    After all is said and done, they only have a policy number and a license plate number and no name or insurance company name.

    Eventually, you will be able to access that information when the police report is filed (if the accident was serious enough to require calling the police, that is) but until then you don’t have the information.

    Most insurance companies require that you report an accident within 24 hours of occurrence, leaving you in a tough situation.

    So, how do you identify a car insurance company with only a policy number? It s not easy. There is no national database of insurance company policies, which means you can’t simply look up the information that you are looking for.

    Call Your Insurance Agent

    The first thing that you will want to do is call your insurance agent and explain the situation. At the very least, you will have reported the accident, and there is always the possibility that the policy number you have is from your insurance company.

    Some agents have worked at other insurance companies in the past and may recognize the start of the series as belonging to a specific company.

    If you used an independent agent to purchase your auto insurance then they may recognize which company uses the series of numbers that you have. Independent agents work with many different companies, so they may be able to help you with this problem.

    Call Around to Different Insurance Companies

    While this step may be a bit time consuming because in every state there are dozens of auto insurance companies, you can start calling different insurance companies to see if the policy number you possess is in their system.

    You need to make it clear that you don’t need the name of the person the policy belongs to; you only need to determine the company to which it belongs.

    You will want to start with the more well-known companies and then work your way down to those that are smaller or lesser-known. Hopefully, you will be able to find the information that you need that way. If not, then there is another thing that you can try.

    Free Car Insurance Comparison

    Compare Quotes From Top Companies and Save

    Try the Government Route as a Last Resort

    As a last resort, you can contact your local DMV or vehicle registration office to see if they will provide you with the information that you need.

    The reason that this should be the last resort is that it is very likely that you will not get the information that you need from them due to privacy laws.

    Some states keep all insurance policies for every vehicle in a database so they can ensure that the vehicles that are registered in their states are insured.

    Other states, however, rely on the insurance companies to inform them via mail, phone, or digitally when someone chooses to cancel their policy. This means that some states simply won’t have that information.

    You can try a vehicle registration search with the license plate number and the make and model of the car to see if that will yield any results, but again, there may be privacy issues involved.

    In some cases, these entities will provide your insurance agent with the information if they call trying to verify a car involved in an accident.

    Ask Your Insurance Company

    If all else fails, discuss your options with your insurance carrier. Their response to the problem will depend on a great deal on company policy.

    Some may be willing to file the accident report and put it on hold until you receive a copy of the police report with the full details from the other vehicle. (You are going to have to request this, by the way, it isn’t automatically given to you.)

    Some companies simply won’t be that flexible and how they handle it will be by the book. You can learn the details by speaking to an agent at your insurance company.

    Of course, to avoid this problem, getting all of the information that you need at the time of the accident is the key.

    To make sure that this happens, always keep a notebook with your insurance information to write down information in. Also, before putting the notebook in your glove box, write down the information that you need, kind of like creating your own form.

    This will ensure that you don’t have to think too hard at the time of the accident .

    Finding the Best Car Insurance Coverage

    Before you have an accident, which, unfortunately, happens even to the most careful of drivers, you should ensure that you have the best auto insurance coverage possible for your vehicle. Choosing the right coverage at a price you can afford has never been easier than it is today.

    With our free rate quote tool, you can quickly compare rates between several companies and get the lowest rate possible for your auto insurance.

    It will take about ten minutes of your time and you will be able to see rates from many different companies for different levels of coverage allowing you to make an educated choice about your insurance.

    Capital One Auto Finance Bill Pay #capital #one #auto #finance #insurance #address


    Capital One Auto Finance Bill

    What to Do When You Can’t Pay Your Capital One Auto Finance Bill

    Capital One Auto Finance is an international auto financing company servicing millions of customers in the United States, the UK and Canada. With a commitment to the customer, Capital One Auto Finance offers several options for customers who can’t pay their bill.

    How to Pay the Bill

    Pay online. Customer can pay your Capital One Auto Finance bill online by visiting https://onlinebanking.capitalone.com/capitalone/Login.aspx?ori=coafPartner. The service requires the customer enter your user identification number and password. Common forms of payment include money transfers from a checking or savings account. The online bill pay does not incur convenience fees.

    Payment stations. Customers can pay your Capital One Auto Finance bill at any convenient pay station across the world.

    • Western Union – Customers provide account information and payment details. A convenience fee applies with every transaction. Western Union only accepts cash.
    • Money Gram Customers provide account information and payment details. A convenience fee applies with every transaction. Money Gram only accepts cash.

    Pay by phone. Customers can pay your Capital One Auto Finance bill by phone by calling 1-800-946-0332. The automated system will assist you in paying your Capital One Auto Finance bill. Credit cards and debit cards are not accepted, so the customer must provide checking or savings account information.

    Automatic payment. Customers wanting your Capital One Auto Finance bill deducted on a monthly basis can sign up for recurring payments. The service automatically deducts funds from your checking or savings account. The customer must provide the routing number associated with your account as well as your Capital One Auto Finance account information.

    Pay by mail. Customers can pay your Capital One Auto Finance bill by mailing it to:

    Capital One Auto Finance
    P.O. Box 60511
    City of Industry, CA 91716

    Capital One Auto Finance
    Attn: Payment Processing
    2525 Corporate Place
    2 nd Floor Suite #250
    Monterey Park, CA 91754

    Questions About Your Billing Statement or Account?

    Capital One Auto Finance lists all current APRs and rates on the Current Rates for Auto Loans page. If you need more information on service charges, late payment fees and other fees appearing on your bill, the best contact number is 1-800-946-0332 if you already have an auto loan and 1-800-689-1789 if you are not currently a customer.

    How the Penalty Fees Work

    Capital One Auto Finance assesses fees for refinancing your current auto loan, late payment and changing your payment due date. Depending on the details of your Capital One Auto Finance loan, you may be charged a security deposit.

    • Refinancing fees –typical fees range from $5 to $65.
    • Security deposit – varies depending on the conditions of the loan.
    • Late payment – fees cannot exceed $50 per occurrence.
    • Payment due date change – fees and charges vary.

    I Can’t Make a Payment

    When we spoke to the customer service representative at Capital One Auto Finance, they informed us that they provide options for customers who cannot pay their bill. The options available include payment arrangements and changing the due date of your payment.

    • Payment arrangements – call customer service at 1-800-946-0332 to arrange payment arrangements. Customers must call prior to the established due date.
    • Change payment date Capital One Auto Finance allows customers in financial hardships to change their due date. The payment can be moved up to 15 days past the original due date. Fees and charges may apply.

    Will They Work With Me to Pay My Bill

    Was Capital One Auto Finance everything you expected in a financial institution? Did Capital One Auto Finance provide assistance when you could not pay your bill? We want to hear from customers just like you. Leave us a comment.

    37 Comments on Capital One Auto Finance Bill

    i have been with cap.one for about 2 1/2 yrs now.i can say theirjust like any finance co. when it comes to calling you when ur behind but their not rude and they dont harrass you over the phone when u do fall behind. wherever ur at with your loan they do act civilized and treat u like a person.

    Barry Keim says:

    Brenda Abram says:

    They say you will need a co-signer for six month, and then they take your name off the loan ,how you bill credit like that??/
    You don t I already know been there done that. Bet if I stop paying on the auto they put it on my credit even tho my name is off th loan now. My dad name is already A-1 but they remove my name and it is my car, WHAT IS THAT. GOOD business.

    greg doyle says:

    My first payment went to the wrong address and is now overdue. I tried to call and pay by credit card. All I got was recordings. It is a Saturday. Are there any people running this business on a weekend? Why won t you allow credit card payment on this website? I guess I m screwed until Monday when there might be a human to talk too.

    Folks, Capital One will not refinance their own loans. That statement is fresh from the Capital One representatives. Why they talk about refinance is beyond my scope of understanding. They will make 2 minor modifications if you need help in paying your payment: move the due date or put one payment at the end of the contract. That is nice for one month, but it does NOT CONSTITUTE A REFINANCE OF THE LOAN. That is false advertising.

    My son is financed with you (Capital One) and got his car repossessed because of four missed payments (according to Capital One). He called them and they searched and located two of the four missing payments. I am wondering do they really repossess because of two missed payments? It doesn t seem so because someone commented earlier that they had missed three payments and was afraid of having their car repossessed. Now my son has to pay the repo company. That just doesn t seem right. Capital One should at least pay half of the money due to the repo company.

    Son has truck financed by this company. He had a stoke a week ago is now medically disabled. How can I find out terms conditions of his contract. I don t have access to this info. Thanks for any help you can render.

    Kathryn shanks says:

    I made arrangements last month to pay 1:2 payment and this month my regular payment plus the other part from sugust. The payment was put in the mail on sat sept 6th and Monday is Labor Day no mail, will they repo? I m losing sleep over this. I think bayou have tried to call me by the number on my called i.d. Tried several times and get recording try next business day. I will call on tues but my payment will still be a could le days late. PLEASE call me.

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    vickie sanders says:

    made an arrangement for large amount to be taken from bank account and only able to make one payment

    Tarone L Lindsay says:

    I would like to setup automated payments every 2 weeks at a rate of 250.00 every 2 weeks if possible. ASAP can someone contact me sent me a email reply.

    Bill Categories

    What Are the Different Types of Car Insurance? #types #of #car #insurance,


    What Are the Different Types of Auto Insurance?

    You may already know how auto insurance works, but do you know what the different types of car insurance are? If you’re shopping for auto coverage, knowing the different coverages available is an important step in getting the policy that’s right for you. Here are a few of the basic car insurance types, how they work and what they cover.

    Liability coverage may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.

    Collision insurance may cover damage to your car after an accident involving another vehicle.

    Comprehensive insurance may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.

    Uninsured motorist insurance can protect you and your car against uninsured drivers and hit-and-run accidents.

    Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.

    Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.

    Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident.

    Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.

    Towing and labor insurance may reimburse you for a tow and for the labor costs to repair your vehicle.

    Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.

    Classic car insurance provides specialized coverage designed for the unique needs of vintage and classic car collectors.

    If you don’t currently have auto insurance, it’s crucial to get coverage as soon as possible. Get a free quote in just minutes by visiting Nationwide.com and entering your zip code.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

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    California Car Insurance Quotes and Discounts – 21st Century Insurance #auto #insurance

    Get a California Car Insurance Quote
    from 21st Century Insurance

    California, known as the “Golden State,” is home to plenty of entertainment, both wild and man-made, but it’s also a world renowned intellectual center. With a total of 33 campuses statewide, the University of California and California State University provide affordable education for tomorrow’s leaders and generate an annual total of $63 billion in economic impact for the state. And with “Eureka” as its state motto, it is no wonder that California is home to Silicon Valley and some of the world’s largest high-tech companies. Firms such as Hewlett-Packard, Google and Apple all got their start in in garages and dorms in California.

    Whether you’re exploring the state’s beautiful beaches, the center of the entertainment industry, Hollywood, or the heart of America’s tech economy, you’re likely looking for ways to save money and 21st Century Insurance may be able to help. When you get a California car insurance quote from 21st Century, you may find you’re eligible for one of many car insurance discounts that could save you money.

    California Car Insurance Quotes and Discounts from 21st Century

    21st Century offers a variety of car insurance discounts that fit all types of age groups and lifestyles in California.

    If you are a Californian that has more than one car you may be eligible for 21st’s multi-car discount. Just insure more than one car with 21st Century to qualify for the discount.

    If you’re a senior Californian, you can also save with 21st Century car insurance discounts. Through our mature driver discount, drivers 55 years or older can save on their insurance coverage. In order to qualify, drivers must complete a state-recognized defensive driving course.

    All Californians can save with 21st Century car insurance through the good driver discount. To qualify, drivers must be licensed for three consecutive years and have not received more than one point for moving violations over that time period. Drivers who have a car equipped with an anti-theft system are also eligible for an additional discount from 21st.

    If you’re looking for affordable auto insurance in California, 21st may be the perfect insurance company for you. 21st offers the same great coverage for less in Washington with discounts that may help you save money.

    And don’t worry, if you’re already a 21st customer, you may already be saving money with one of these discounts. But if you think you’re missing out check your policy details at 21st.com or speak with a representative.

    Get a California auto insurance quote from 21st and see what car insurance discounts are available for you today.

    Homeowners Insurance, Auto Insurance, Car Insurance, Health Insurance, VT, NH, Windsor VT,


    Frazer Insurance Group. offers insurance coverage for personal and business lines. With over 70 years of insurance experience, The Frazer Agency team has an advantage over other companies of understanding a customer s insurance needs. The Frazer Agency will help you prepare for the extraordinary.

    We offer a full line of insurance products for your every need. From health insurance to car insurance. motorcycle insurance to homeowners insurance. business owners and more, Frazer Agency has what you need. We proudly serve clients in Vermont, New Hampshire, and Maine including the communities of Windsor, White River Junction, Hartland, Norwich, and Quechee VT and Claremont, Hanover, Cornish, Lebanon, and West Lebanon NH. We are licensed in Vermont, New Hampshire, and Maine.

    Contact Frazer Insurance Group for more information or request a quote online.

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    Auto Dialers Software – Sales Lead Generation #auto #dialer #programs


    Auto Dialer for Sales Lead Generation

    Acarda Messenger Auto Dialer software has a Sales Leads template for sales lead generation. This software automatically phones a list of people and plays them a sales message about your product or service. Great for finding mortgage leads, insurance leads, real estate leads and mlm leads. Schedule your auto dialer when it is to make the phone calls, record your message and the software will do the rest.

    Use autodialers to find qualified sales leads – people who are ready to buy or who want to know more. With an auto dialer you can reach thousands of people with news of your product or service each day! No more cold calling – every day you can have a list of people interested in your product or service ready and waiting for you when you come in the door!

    Key Features of the Sales Lead Auto Dialer

    • Automatically place telephone calls convey voice messages
    • Up to 10 campaigns, sets of messages and number lists simultaneously
    • Set start and stop times for each day of the week.
    • Automatically generate a random list of telephone numbers
    • Import a list of telephone numbers
    • Prevent calls being made to numbers you want to exclude
    • Gives recipients the option of being added to a Do Not Call List
    • Inbuilt ability to sotre Do Not Call numbers
    • Configurable number of delivery attempts for busy or no answer calls
    • Play a different message if call answered by answer machine
    • Verify the listener is the right person to hear the message
    • Wait till right person comes to the telephone
    • Recipient can select to be transferred, e.g. to a sales representative
    • Recipient can confirm they would like some action taken, e.g. to be rung back
    • More Details response option*
    • Record recipient response option*
    • Get Correct Person feature*
    • Recipient can leave you a message e.g. their postal address for you to send them more information*
    • Recipient can enter a fax number e.g for you to send them more information, or a phone number e.g of someone else they think might want to hear the message*
    • Reports the results of calls, e.g add to do not call list, successful, failed, and the recipients response to given options, e.g confirmation, transfer, enter number recipient message
    • Displays call statistics
    • Extensive On-Screen Help
    • Use the software on up to 12 telephone analog lines at the same time, depending on the hardware installed.

    * Only in the Advanced Edition

    Auto Dialer Laws and Regulations

    There are many laws and regulations, restricting or prohibiting the use of auto dialers to send out pre-recorded messages and the ability to solicit by telephone. Laws vary from jurisdiction to jurisdiction and a violation of such laws may result in significant penalties and other sanctions. Before using auto dialers you should consult with your own counsel to determine the extent, if any, of permissible solicitation activities. Please ensure you abide by the laws of the country you are operating and calling in.

    Download Now

    Acarda Messenger Advanced Edition has three templates the Sales Lead. the Client Call. and the Survey whereas the Standard Edition only has the Sales Lead template.

    You can download Acarda Messenger Autodialer software. You can see how the auto dialer is setup but you can not import or make calls until you purchase a license and have a Dialogic Card in your computer. You can purchase a special 4 line fully functional 1 Month rental trial license if you want to use Acarda Messenger to make calls but are not ready to purchase a full license. Please refer to Auto Dialer Pricing for more details.

    More Acarda Messenger Auto Dialer Details:

    Acarda Messenger can import approximately 16 million FTC DNC numbers into its Do Not Call database. If your DNC list is larger then please speak to us about your options.

    Car Insurance for High Risk Drivers – Online Auto Insurance #high #risk


    Auto Insurance for High Risk Drivers

    Drivers can find high risk auto insurance online from multiple companies which accept those who are considered to be a riskier driver. OnlineAutoInsurance.com allows drivers to complete one single form to perform an instant quote comparison from top insurers and find more affordable rates for the needed coverage and protection.
    Find lower quotes through comparisons:

    Oftentimes, people are charged higher premiums because they simply do not know how to find cheaper rates. This is because each carrier has it s own prices based on their unique factors such as loss ratio, return on investment and market share. The key is to compare a few different carriers to narrow down the one which will have the right offerings like low prices and plentiful coverage. At OnlineAutoInsurance.com, an online car insurance quotes comparison is easy and fast since it only requires consumers to answer one set of questions.

    Motorists are classified high risk when they are in violation of traffic laws or may be new to driving such as teenagers and the newly licensed. The most common classifications are policyholders charged with a DUI/DWI or multiple violations on their driving record which are often referred to as �bad drivers.� But what most motorists do not know is that there are other criteria used by the companies to classify a policyholder as high risk. Other criteria include young drivers under the age of 25 or first time drivers, credit rating and history, students, and prior claims history.

    Being placed or categorized under these classifications can result in higher rates for insured motorists that they should not be subjected to. Whether they are determined to be riskier at the signing of the policy or during a carrier�s coverage, the consumer�s driving history changes with violations, both result in an increase in the payment amount for the coverage. What most users do not know is that there are methods of being insured without having to pay inflated prices if considered a high risk driver.

    High risk car insurance companies :

    The best way to reduce those pesky premium hikes when a consumer has a few dings on their driving record is to shop around and compare multiple auto ins companies. There is such a thing as a company that focuses their business on securing only older non-risky drivers, but there are also carriers that are profitable or maybe even target risky motorists and more willing to accept an elevated risk.

    The non-standard market specializes in covering those with a history of offenses or claims, are new to driving, or have bad credit by creating programs that would benefit these individuals. Usually these insurers offer these programs with cheap car insurance for high risk drivers to serve as an incentive to draw consumers away from their competition that do not have such programs and are charging more for coverage. Factors such as being a good student or driving courses taken can offer discounts to the insured that would help offset the cost of coverage and reduce the monthly payments of their premiums.

    For those who continue to have a problem finding an insurer to accept them and insure them, they can refer to the assigned risk program for assistance.

    Cheap Auto Insurance for high risk driving records :

    A driving record that is loaded with offenses are most commonly classified as high risk by the companies and this is the determining factor in expensive premiums or denial of coverage. A consumer may not be able to find the right coverage or is fed up with being denied. OnlineAutoInsurance.com is here to help those individuals in finding cheaper car insurance rates from from reputable companies. We understand that there are troubles in finding the right policy and being accepted into that policy, therefore OnlineAutoInsurance.com helps the motorists by carrying a large pool of insurers and many of them offering great coverage at a low price. Visit the site today to learn more on which companies there are that offer discounts and packages that would not only accept riskier drivers, but also save them money.

    Questions Related to High Risk Car Insurance

    It’s usually harder for motorists with poor driving records to find auto insurance because coverage providers generally look at accident risk when rating potential customers to get an idea of the likelihood they will file a claim in the near future. A person who has a history of.

    Auto insurance for higher risk drivers is typically more expensive than the average policy. When coverage providers sell an insurance policy, they run the chance of having to pay out a claim. As a result, individuals who demonstrate a.

    Assigned risk auto insurance policies are designed to provide vehicle protection for higher risk drivers who have been repeatedly denied coverage in the voluntary market. These policies are more expensive because the drivers who purchase them are considered to.

    News about High Risk Drivers

    July 17, 2014 – Crash claim rates for some teen drivers are more than double than the rates for older drivers, according to a new analysis from the Insurance Institute for Highway Safety. But there’s something else that compounds dangers for teen drivers: They.

    June 17, 2014 – Florida drivers who buy coverage to get their driving privileges back after a DUI or lapse in coverage will soon face a longer period when their insurer can cancel the policy. Currently, Florida car insurers have only a 30-day “underwriting period” during which they can cancel such policies. But, starting July 1.

    February 21, 2014 – Let’s call this the tsunami that never made it ashore. The Insurance Institute for Highway Safety (IIHS) recently took stock of the “silver tsunami” in a report about older drivers who, despite their increasingly larger share of the U.S. driving population, aren’t endangering the nation’s roadways.

    Articles Regarding Insurance for High Risk Groups

    December 30, 2013 – New Year’s Day and New Year’s Eve are lucrative for car thieves and a bummer for those partiers who find their ride gone. Drunk drivers who get behind the wheel can also expect a bummer of a time, whether it’s because of the accident they might get into or the cop that’ll likely pull them over.

    December 17, 2013 – There is a whole lot of holiday trickery beyond (spoiler alert, kids/late-blooming adults) the mythology of Santa Claus. Drivers caught unaware of less obvious holiday tricks can land in cold car insurance waters. In this entry of Auto Insurance in Unlikely Places, a review of when glad tidings go bad (and what it means in terms of auto coverage) for any holiday.

    November 07, 2013 – A cold is coming on, but it’s not the body that should prepare for it. Online Auto Insurance (OAI) is talking about the coming cold weather season and car-related preparation tips so you can avoid hazards when driving in a winter wonderland. Check out OAI’s first entry on the topic, which lists car insurance-related reminders for motorists to heed before winter comes.

    High Risk Auto Insurance Resources

    Newark Car Insurance Agents #newark, #ohio #insurance #agents, #newark, #ohio #auto #insurance,


    Car Insurance Agents in Newark, OH

    Find a Nationwide Insurance Agent in Newark, Ohio

    Nationwide auto insurance

    Newark’s packed greater metropolitan area means that there are a lot of people on the roads during the workweek rush hour. But you don’t have to test the daily downtown commute to benefit from the protection of Newark auto insurance from Nationwide. There are also plenty of RVs, motorcycles, and other specialty vehicles enjoyed by residents across the city. Talk to one of our Newark auto insurance agents about your coverage and discover the services and products that have earned us a 95 member satisfaction rating.

    Nationwide homeowners insurance

    Whether you’re protecting a home that’s been in the family for generations, or you’ve just bought a house in one of the city’s fledgling newer communities, it’s impossible to foresee every possible hazard. A Newark home insurance policy can help get you and your family back on their feet when covered damages occur. Along with the usual options included in a homeowner’s policy, you should inquire about our Brand New Belongings , Better Roof Replacement , and other Nationwide homeowner’s programs that can strengthen your coverage and your peace of mind.

    Nationwide life insurance

    You know how people think they know Newark just because they’ve heard enough of the city’s folklore? It’s not all that different with life insurance. Just because you’ve heard about term, whole, universal, and variable policies doesn’t mean you know which one is right for your household and family planning. Fortunately, our Newark life insurance agents have plenty of experience understanding the individual concerns of local families and their life insurance decisions.

    Nationwide business insurance

    If you’re like a lot of Newark business owners we know, you’re constantly evaluating and worrying about the vulnerabilities facing your company. What risks keep you up at night? Broken windows and late night burglary? An employee or contractor getting in an accident with a company vehicle? Fire and/or flooding? Like so many things, we can’t prevent every instance of commercial loss, no matter how hard we try. Fortunately, our Newark business insurance agents can serve as risk management experts for companies in a variety of sizes and industries.

    Online Quotes and Local Insurance Coverage

    In just minutes, you can input your zip and local insurance information to view personalized quotes. Next, buy the policy online, or speak with one of our Newark insurance agents.

    Auto Appraisers and Vehicle Appraisals Nationwide Service – Pinnacle Auto Appraisers offers


    Pinnacle Auto Appraisers — We are Nationwide handling all appraisal types from Insurance Claims to Classic Car Appraisals !

    With our excellent customer service, you will always talk to a live certified appraiser and receive immediate feedback. You can even order an appraisal through our website. All of our certified auto appraisers are trained to handle all types of appraisals for Total Loss. Diminished Value. Classic Cars. Stated Value. Lease Turn-In. Insurance Coverage. and More!

    Auto Appraiser and Vehicle Appraisals Nationwide – Pinnacle Auto Appraisers is a Vehicle Appraisal company that is experienced in all lines of appraising.

    We believe in offering professional auto appraising services with great customer service .

    • Total Loss Claim? Not a problem, our certified auto appraisers are trained to handled the whole claim process for you.
    • Classic Cars? Whether it is a rare antique vehicle from the early 1900’s to the 1960’s muscle cars, don’t worry we have you covered.
    • Lease Turn-In? Need to return your lease vehicle early? No problem, we are approved with all vehicle manufacturer finance companies.
    • Commercial Vehicles? Not a problem, we have years of experience appraising Commercial Trucks and Heavy Equipment.
    • Diminished Value Claim? Recover what vehicle value you lost due to an accident not being your fault.
    • Pre-Purchase Inspections? Our certified inspectors will go out to the vehicle, perform a thorough inspection along with a test drive!
    • Stated Value or Insuarance Coverage? Insurance companies are now requiring Certified Auto Appraisals when stating your coverage value.
    • Bank Loan Appraisals? We provide certified auto appraisals that meet all bank and financial institution requirements.

    Auto Appraisers Appraisals: How to and Guidance On the Process

    What does an Insurance Adjuster-Appraiser do?

    • Investigates, Researches, and Evaluates
    • Reviews insurance policy and determines if the loss reported is covered
    • Investigates the claim to determine claim is not fraudulent
    • Request documentation from insured and/or repair facilities
    • Determines what amount the insurance company should pay for the loss
    • Negotiates Settlements
    • Issues Payments for Claim.

    Why Hire a Certified Auto Appraiser?
    Knowing how much your vehicle is currently worth or knowing how much value your vehicle has lost due to a non at-fault accident will determine if you need to increase your insurance coverage or file a diminished value claim. It is also very important to hire a certified auto appraiser when your vehicle has been totaled. This will reassure you of what the vehicle is currently worth. By hiring a certified auto appraiser they will also guide you through how the insurance claim process works and also what to expect when involved in an insurance claim. If you are involved in a total loss claim and would like us to review your information, please give a call toll free at 1-877-988-9911 .

    How to find a Certified Auto Appraiser and/or Inspector
    All our appraisers are licensed and certified. If you require a pre-purchase inspection on a vehicle, all our inspectors are certified as well. Most have body and mechanical repair experience. We have nationwide coverage, so any location we have you covered! Call us at 1-877-988-9911 for further details.

    Call Us Toll Free! 1-877-988-9911

    We are dedicated to offering you immediate and reliable customer service whether it be on the phone, via email or through our online ordering system. Our company prides itself on being able to handle all of your auto appraisal needs. Feel free to call or send us an email to schedule your appraisal(s).

    Our Certified Auto Appraisers look forward to serving you!

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    We are dedicated to offering you immediate and reliable customer service whether it be on the phone, via email or through our online ordering system. Our company prides itself on being able to handle all of your auto appraisal needs. Feel free to call or send us an email to schedule your appraisal(s).

    Our Certified Auto Appraisers look forward to serving you!

    This email address is being protected from spambots. You need JavaScript enabled to view it.

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    Diminished Value

    Federal auto insurance #federal #auto #insurance




    A contract in which one party agrees to indemnify another against a predefined category of risks in exchange for a premium. Depending on the contract, the insurer may promise to financially protect the insured from the loss, damage, or liability stemming from some event. An insurance contract will almost always limit the amount of monetary protection possible.


    In the absence of insurance, three possible individuals bear the burden of an economic loss; the individual suffering the loss; the individual causing the loss via negligence or unlawful conduct; or lastly, a particular party who has been allocated the burden by the legislature, such as employers under Workmen’s Compensation statutes.

    While types of insurance vary widely, their primary goal is to allocate the risks of a loss from the individual to a great number of people. Each individual pays a “premium” into a pool, from which losses are paid out. Regardless of whether the particular individual suffers the loss or not the premium is not returnable. Thus, when a building burns down, the loss is spread to the people contributing to the pool. In general, insurance companies are the safekeepers of the premiums. Because of its importance in maintaining economic stability, the government and the courts use a heavy hand in ensuring these companies are regulated and fair to the consumer.

    Up until 1944, insurance was not considered “commerce” and not subject to federal regulation. But in United States v. South-Eastern Underwriters Association, the Supreme Court held that Congress could regulate insurance transactions that were truly interstate. Congress then enacted the McCarran-Ferguson Act (15 U.S.C. § 1011) which provided that the laws of the several states should control the insurance business, but that the Sherman Act. the Clayton Act. and the Federal Trade Commission Act were applicable to the insurance business to the extent that it was unregulated by state law.

    The McCarran-Ferguson Act, broadly speaking, gives states the power to regulate the insurance industry. While state insurance statutes override most federal laws, some portions of federal law (like federal tax laws) are always commanding. Therefore, when researching whether a particular law governs, a good rule of thumb is to ask whether the inquiry is related to the “business of insurance” (where state law governs), or whether it is related to peripherals of the industry (labor. tax law. securities – where federal law governs).

    menu of sources

    Federal Material

    U.S. Constitution and Federal Statutes

    Federal Judicial Decisions

    U.S. Constitution

    State Material

    State Statutes

    Judicial Decisions

    Other References

    Key Internet Sources

    Useful Offnet (or Subscription – $) Sources

    • Good Starting Point in Print: Robert H. Jerry, Understanding Insurance Law, Fourth Edition . (2007)

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    Auto Repair & Lube Service in Rogers, AR #auto #repair, #auto #service,


    Auto Repair & Service with the Family Feel You Can Trust

    Welcome to Kwik Kar Service Center

    Kwik Kar Service Center is a family-owned, ASE certified auto repair shop serving the northwest Arkansas area. Our technicians have years of experience working on both domestic and foreign vehicles and remain current with today’s constantly changing automotive technology. We are committed to providing the highest quality service possible, and we go out of our way to make our customers feel welcome, comfortable, and satisfied with their auto repair experience.

    Expert Auto Repair in Rogers That’s Guaranteed!

    Our technicians have years of experience working on both domestic and foreign vehicles and remain current with today’s constantly changing automotive technology and diagnostic equipment. We can handle car repairs and scheduled maintenance services on all makes and models. In addition, we offer a 24-month/24,000 mile warranty, a clean and attractive waiting area, and a free shuttle to get you where you need to go!


    2214 W. Walnut | Rogers, AR 72756

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    Shop Hours

    Monday Friday: 8AM 6PM
    Saturday: 8AM 5PM
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    Quality Service for All Makes Models

    Whether you need a simple oil change, routine fleet maintenance, or an auto repair, we service all makes and models—both foreign and domestic—with precision and efficiency. All of our services and repairs come with our 24-month/24,000 mile warranty.

    Our automotive maintenance services include, but are not limited to:

    • Transmission services
    • Tune-ups
    • Timing belts
    • Suspension and steering
    • Heating and cooling
    • Alignment
    • Scheduled maintenance
    • Internal engine services
    • Electrical issues
    • Undercar services

    Car Care Tips

    Our Blog

    Honest Advice Reliable Results

    Customer Reviews

    These guys are good. I have been going to them for 5 yrs. now and have never had a problem, nor had anything pushed on me. They do excellent work and they really do it ‘kwik.’

    Kwik Kar Auto Repair & Service Center is committed to providing high-quality auto repairs and services, honest advice, and reliable results. Shop owners, Brian and Susan Scaggs, have worked together in Rogers since 2003, and truly understand and appreciate the community’s values, such as hard work, candor, and integrity. Our goal is to be among the businesses in the area that reflect those values.

    In addition to Rogers, we serve drivers from Bentonville, Bella Vista, Centerton, Pea Ridge, Garfield, Lowell, Fayetteville, and Springdale. Our clients range from local families to companies with large fleets to executives and vendors for Walmart, JBHunt, and other large businesses in the are.

    Come to Kwik Kar for All Your Automotive Needs!

    Our customer service, integrity, and professionalism set us apart from other auto repair shops in Rogers. No matter the task at hand, at Kwik Kar, we go above and beyond for our customers. Visit us for all of your maintenance and repair needs!

    How Long Does My Insurance Have to Pay Out My Claim After


    How Long Does My Insurance Have to Pay Out My Claim After We’ve Agreed on a Price?

    Written by James Hirby and Fact Checked by The Law Dictionary Staff

    Filing an insurance claim involves plenty of diligence and hard work. Unfortunately, the process also requires a tremendous amount of patience. Depending upon the severity of the damage to the covered piece of property, it might take as long as two years for you to receive a payout from your insurance company. If you disagree with your insurance company s offer and wish to file a formal dispute, your case could languish in court for even longer than this. Although there are several steps that you can take to speed up your claims process, you might have to retain an attorney to help move things along.

    Most of these steps must take place before you formally accept your insurance company s settlement offer. Once you ve accepted the offer, the claims process will terminate. At this point, you ll simply need to wait to receive the settlement check or deposit from your insurance company. If you believe that your insurance company is intentionally delaying this payout, you may have legal recourse.

    In fact, most states require insurance companies to issue payouts within a pre-defined period of time. In most jurisdictions, these grace periods range between 30 and 45 days. It s unlikely that your insurance company will be permitted to stall for more than 60 days before issuing your payout. If it does, it may be subject to significant financial penalties. In addition, your delayed payout will accrue interest at prevailing rates until its disbursement. Depending upon the duration of your insurer s delinquency. this additional interest might provide you with a significant financial bonus.

    If your insurance company doesn t pay out on your claim within the required period, you re entitled to take legal action against it. This should be a straightforward matter: You ll simply need to retain a lawyer and explain your case to a tort-law judge. Once the judge has issued a ruling, your insurer will be required to pay out on your claim within 30 days.

    It s important to note that the legally-mandated payout periods apply principally to homeowner s and auto insurance providers. In most states, life insurance payouts are governed by different regulations. If you elect to receive a life insurance payout as a lump sum, your provider may be entitled to wait up to 90 days before issuing it. If you elect to receive an annuity payment, your insurer may not be required to make its first payout until the agreed-upon payment date. These practical restrictions might result in payout delays of up to a year.

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