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Replay the action from the Australian Formula One Grand Prix

March 19th, 2012

Replay the action from the Australian Formula One Grand Prix
Recommended Coverage GP Race Highlights Grand Prix hot shots Ford complete takeover of Albert Park KIWI Shane van Gisbergen claimed the fourth V8 Supercars race at Albert Park this afternoon to complete a perfect four-victory week for Ford.
Read more on Herald Sun

The Facts About Rental Car Insurance
If you think your insurance company will cover everything the rental car coverage will you may want to take a look at a few of these facts. What the Rental Car Company Sells May Not Be Insurance Although the coverage rental car companies offer may …
Read more on San Francisco Chronicle

County's population decline doesn't slow housing growth
Tip: Ask us about adding low-cost GAP Coverage and Major Mechanical Protection to your Greater Nevada loan to protect your vehicle investment. Greater Nevada's Preferred Dealers are committed to providing you with exceptional service and vehicle prices …
Read more on Carson Now

Can a homeowner’s insurance cover an auto stolen because keys were taken from break in to home?

March 15th, 2012

Question by JY: Can a homeowner’s insurance cover an auto stolen because keys were taken from break in to home?
My friends home got broken into and car keys were stolen and with that stole the vehicle. The vehicle only had liability insurance. Now both homeowners and auto insurance are telling them that they won’t pay for that loss. Is this correct in any way? The vehicle has a value of $ 7K. Would obtaining an attorney be helpful?

Best answer:

Answer by kevw25
If he only has liability, then he is SOL.

Give your answer to this question below!

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If i buy a used Kia from shaver in ca, is it necessary to have full coverage car insurance?

March 15th, 2012

Question by Leannelld24: If i buy a used Kia from shaver in ca, is it necessary to have full coverage car insurance?
I live in Ca is it necessary to have full coverage insurance on a used kia from the used car dealership called shaver

Best answer:

Answer by Roger N
It doesn’t matter where you buy the car.
You only need full coverage insurance if you are making payments on it.
BTW…’Hi’ from a Fresno-ian. I grew up visiting Dinkey all the time.

Know better? Leave your own answer in the comments!

Most Americans Haven't Protected Their Possessions From Severe Weather Threats

March 15th, 2012

Most Americans Haven't Protected Their Possessions From Severe Weather Threats
"Creating a detailed inventory of your possessions is one the best ways to ensure you have the right amount of homeowners or renters insurance for you and your family." Last year alone, severe weather disasters across the country inflicted more than …
Read more on Bradenton Herald

'Careless Smoking' Caused Chardonnay Apartment Fire; Dozens Left Homeless
… a fire and fire crews responded just three weeks ago to another call. Complex owners can't insure a renter's belongings. That's why most large complexes like Chardonnay will require tenants to have renter's insurance before they are allowed to move in.
Read more on OzarksFirst.com

Why Your Tornado Insurance May Not Cover It All
Most homeowner, business, and auto insurance policies include tornadoes as part of standard coverage for wind damage and severe weather, according to the Insurance Information Institute. In general, homeowner's and renter's insurance covers property …
Read more on Reuters

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ARIGATO from JAPAN – PART 1

March 4th, 2012

www.ajjif.org ( http ) OVERCOMING THE DISASTER ARIGATO from JAPAN Tohoku Folk Performance Group, Ondeko-za Taiko and Musicians: WORLD TOUR KICK-OFF CONCERT in LA March 2, 2012, Music Center of Los Angeles SPECIAL EVENT – ARIGATO from Japan ( World Tour Kick Off Concert ) at the Music Center of Los Angeles. With the Support of the Consulate General of Japan. Sponsored by the Japan Foundation ( Japan Foundation is a Japanese Government Educational Organization under the Japanese Ministry of Foreign Affairs ). With the Invited Guests: O-Sensei Alexey Kunin – Founder & President of AJJIF GLOBAL, Consul General of Japan – Jun Niimi, Misako Ito – Director of Japanese Foundation, Yoshihiro Nihei – Arts & Culture Program Coordinator of the Japan Foundation, Local Government, City and State Officials, Press & Media Coverage, Japanese National TV. Supported by the Japanese Government. Sanctioned by the AJJIF GLOBAL – ALL JAPAN JU-JITSU INTERNATIONAL FEDERATION.

Young Living’s from Seed to Seal

March 2nd, 2012

My husband and I have had many health concerns over the years. www.youngliving.org We have had no health insurance and my husband has worked for himself since our marriage 8 years ago. As our family as grown, we now have three little ones that have never been to the doctors office, thanks to these wonderful products by Young Living Essential Oils. For seven years we have maintain an autoshipment of their products and have paid nothing for it. Wouldn’t you like to know how we did it? Well, email me to find out! We provide training and insights that will get you started on a journey to wellness and abundance through Young Living. Email me today!
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From the brink of death: One teen driver’s long road to recovery from a crash

February 27th, 2012

Lori Johnston

Vehicle crashes are the No. 1 cause of death among U.S. teens, but for the teen drivers who survive, the pain doesn’t immediately go away. Some teen drivers are on a mission to tell others about the physical, emotional and financial consequences of a crash.

“The biggest effect would either have to be the depression, or the lack of wanting to do anything,” says Tennessee high school senior Joe Polakiewicz, 17, who was injured severely in a car accident in 2010.

Beyond Joe’s emotional strain and staggering physical injuries – including suffering brain trauma and losing a kidney and his spleen – the financial stress is significant. For example, his annual auto insurance premium almost doubled to nearly $ 3,000.

The crash

Joe, then 16, was driving his yellow Volkswagen Beetle to a friend’s house around 5 p.m. on a clear day in October 2010. State Farm says October is the most dangerous month for teen drivers.

teen_crash He was coming around a curve on a rural road when his right tire went off the edge. He over-corrected, which caused his car to spin around 180 degrees and shoot across the road. The car hit a tree on the passenger side, splitting the car in two.

His family originally thought he was reading a text behind the wheel, but they determined he had not made any phone calls or done any texting while driving. Joe, who had not been drinking alcohol, cannot remember the details.

Joe’s parents would remind him daily not to speed, make phone calls or text when driving. His mom, Nancy Polakiewicz, says Joe probably had more driving experience than his peers, as his school is 45 minutes from their house.

“We felt that we did everything we could,” she says.

Teen drivers’ mistakes

Trying to determine what teen drivers do wrong has occupied researchers such as those with The Children’s Hospital of Philadelphia and State Farm. A study released in 2011 found these three most common errors teen drivers make that lead to serious crashes:

• 21 percent of crashes were blamed on going too fast for road conditions.

• 21 percent occurred because of distraction by something inside or outside the vehicle.

• 21 percent were attributed to a lack of scanning, which is use to detect and respond to hazards.

Trying to stop accidents at the hands of teen drivers is critical, as teen drivers are involved in fatal crashes at four times the rate of adults, killing an average of 11 teens a day. More than 5,600 fatal crashes involved teen drivers in 2009, according to the National Safety Council.

“No teenager ever leaves the house thinking, ‘Well, I’m just going to smash my car today.’ Neither did Joe. But it happened,” Nancy says. “When you get into the car, driving is your job.”

Barely surviving

Joe was flown to University of Tennessee Medical Center in Knoxville. The trip by air ambulance took seven minutes; by ground ambulance, it would have taken 40 minutes. When Joe arrived, the only sign of life was a faint pulse in his neck. “He was almost gone at that point,” Nancy recalls.

Doctors had to remove his left kidney and his spleen. He had a torn liver, several fractured vertebrae and ribs, a fractured pelvis and lung bruises. His urethra was cut off from his bladder. He suffered a brain hemorrhage and traumatic brain injury.

Doctors initially gave Joe’s parents little hope that he would survive. He was hospitalized for a month and then moved to a rehabilitation center for three weeks. About 12 hours after he returned home, he had more complications and returned to the hospital for another week. Joe spent about three months in outpatient physical, occupational and speech therapy. He’s undergone several more surgeries since his outpatient therapy was completed.

Joe had two catheters for about six months; it was the only way to remove urine from his body. He had reconstructive surgery to repair his urethra and now can urinate on his own.

“They said it would be a miracle if I ever peed again,” he says.

So far, the medical bill – including surgeries, treatment and therapy – exceeds $ 452,000:

• Nearly $ 283,000 was covered by insurance.

• Almost $ 162,000 was written off by health care providers.

• Nearly $ 7,200 was paid by the family.

His parents withdrew about $ 10,000 from savings to pay bills. That money replaced wages they lost while Joe was in the hospital and needed to be cared for at home.

What the future holds

Joe and his parents have noticed short-term memory problems and personality changes. They’ve affected his relationships and his performance in school. For instance, he’s now prone to making inappropriate comments.

“Basically, he just blurts out whatever comes through his mind,” Nancy says. “We will just say, ‘Joe, that’s enough.’ Sometimes he doesn’t know when to stop.”

In school, Joe went from someone who didn’t have to study to someone who struggles in the classroom. His injuries have affected other activities, such as working out, that were a regular part of his life. Joe, a former wrestler, still lacks motivation to exercise. “I can’t run or jog anymore. I can’t tell my brain that I’m moving each leg in front of (the other) each time,” he says.

Joe is on track to graduate from high school this spring. Instead of attending a four-year university, he plans to enroll at a two-year community college, which offers smaller classes and one-on-one help, Nancy says.

“People sometimes ask me if you had one wish, what would you wish for? Every time I tell them I wish I could go back to the day before my wreck, because those were my happiest times,” Joe says.

Insurance ‘sticker shock’

The family expected their auto insurance premiums to increase, but not so dramatically. The cost of Joe’s coverage – included in the family’s policy — has nearly doubled since the accident. The annual premium for Joe’s coverage now stands at $ 2,886.

“It was like sticker shock,” Nancy says. “We told him that he’s really going to have to get a part-time job and help us out with this.”

Looking back, she wished Joe had taken driver’s education or gone to driving school, but they weren’t required for Joe to get his license.

Safe driving

Allison Curry, a researcher at The Children’s Hospital of Philadelphia’s Center for Injury Research and Prevention who conducted the study about teen crashes, says promoting safe driving skills is as important as preventing bad behavior.

State laws seek to limit behind-the-wheel distractions for teens, such as cellphones and texting, and graduated driver’s licensing programs put caps on the number of passengers for teen drivers. Dr. Dennis Durbin, co-director of the Philadelphia hospital’s Center for Injury Research and Prevention, says formal teen driver training should focus on skills such as observing surroundings far ahead of the vehicle and side to side, which can make drivers more aware of hazards.

Since the accident, Joe has taken a defensive driving course through the local police department and a course through the Drive 4 Life Academy in Knoxville, Tenn., which included 30 hours of classroom education and six hours of one-on-one driving with an instructor. One of the things he learned: how to avoid over-correction in behind-the-wheel emergencies like his car crash.

The new guidelines that Joe follows include this one: Allowing a minimum of three seconds behind a car in front of his and adding another second for every poor driving condition, such as rain, fog or darkness. Studies show that teens are more likely to follow too closely than older drivers.

“You’re pretty far back, but at a high speed, your stopping distance is really, really far,” says Joe, who now drives a white Ford pickup truck.

Driving correctly has resulted in a less stressful and even soothing experience behind the wheel, Joe says. But he recognizes teens have the ability to remove one of the biggest distractions – technology. His message to teen drivers: “Put the phone away. Turn it off and put it in the glove box.”

Gina Roberts-Grey

Lugging around extra pounds can certainly weigh heavily on your budget. On average, obese Americans pay 42 percent more for health care than their lighter-weight counterparts, according to the National Institutes of Health. Private health insurers, Medicare and Medicaid — and all of their customers — feel the financial burden of obesity.

Shea Vaughn, the mother of actor Vince Vaughn and author of Breakthrough: The 5 Living Principles to Defeat Stress, Look Great, and Find Total Well-Being, wants to reshape Americans’ perspectives on fat and fitness in hopes of improving our physical and financial well-being. InsuranceQuotes.com caught up with Vaughn to get her thoughts on the costs of packing on pounds.

shea_vaughn-1 InsuranceQuotes.com: What do you think is the most important component to preventing obesity?

Shea Vaughn: I think Americans need to place more concentration on total wellness and develop an “East meets West” way of thinking that takes all aspects of life into consideration. We need to pay better attention not only to things like eating habits, food and exercise — which all affect weight — but mental and emotional components that also impact weight.

InsuranceQuotes.com: What mental or emotional components should we pay attention to?

Vaughn: We need to realize that everything we do is in a circle of wellness, and that includes how we handle stress and our mental and emotional approach to weight loss. When you start to include the mental and emotional perspective, the end result is an improved sense of well-being. And that translates into taking better care of your health and better managing your weight.

InsuranceQuotes.com: How can a person include the mental and emotional perspective that you believe to be important?

Vaughn: In addition to making sure you’re eating the right amount of calories and nutrients to manage weight, approach weight loss like it’s a commitment to yourself instead of something that’s on your wish list.

When you think about things like New Year’s resolutions or hopes of fitting into a bathing suit in the summer, most people approach weight loss and set goals from a wish-list frame of mind. You go into losing weight thinking “I wish I could lose 15 pounds.”

Instead, you should take more of an emotional approach and sign a mental contract with yourself. Tell yourself that you are committed to your own well-being and health, and that you’re accepting the responsibility to take charge of your life.

And don’t give yourself permission to fail. You should approach weight loss with the attitude that you’re going to succeed and will persevere until you do. “East meets West” is a bit of the “When things get tough, you get tougher” way of thinking.

InsuranceQuotes.com: What role does stress play in an “East meets West” way of thinking and losing weight?

Vaughn: It’s hard to effectively manage stress when you’re stressed out. So stress becomes a vicious cycle, because the more you try to manage it, the more stressed you become — and the lower the chance that you’re going to lose weight because you’re more inclined toward unhealthy eating and not exercising.

A mind-set that blends Eastern and Western philosophies doesn’t try to manage stress. You try to maintain balance. One way to do that is through daily meditation and time to reflect on the positives in your life instead of worrying or stressing out about the negatives like bills to pay and cleaning the house. Meditating for just 10 minutes a day takes the focus off things troubling you and lets you focus on things that are healthy.

InsuranceQuotes.com: How is this way of thinking beneficial for controlling weight and preventing obesity?

Vaughn: I think Americans in general have developed a dependency on the “easy fix” or easy way out. We’ve trained ourselves to think fast will work. And when it doesn’t, when we don’t lose 15 pounds in a month, we feel bad about ourselves for failing.

If you haven’t taken something positive away from the experience, you might never succeed at losing weight or maintaining a healthy weight. And you will likely spend less on health care, because this is prevention, it’s the equivalent of preventive procedures like routine physicals.

So “East meets West” lets you care for yourself and nurture yourself so you feel better and are healthier overall — not to mention you’re not overweight.

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From the brink of death: One teen driver’s long road to recovering from a crash