So This Is Christmas

Merry Christmas is such an infectious feeling I like to feel that way all year around.

So if you are visiting just before Christmas, just after Christmas or even here on Christmas day I am sure you will find something of interest for you and in the spirit of Christmas.

It may be said that Christmas is no longer a celebration but this must be spoken by people that have never had trouble closing their eyes on Christmas Eve in an expectation of what maybe left for them on the carpet under the tree.

I continue to look forward to the surprise on my Grandchild's faces to this day at Christmas events.

Merry Christmas - Merry Christmas - Merry Christmas

Wednesday, February 25, 2009

Car Insurance -- Things You Need To Know

By Chimezirim Odimba

Car insurance is a contract between you and the insurance company. Under the contract, if your car meets with an accident, the insurance company must pay for the losses. Paying the premium is your obligation under the contract.

Property, liability and medical coverage are all covered by car insurance. Damages or theft to your car are paid by property coverage. Your legal responsibility for bodily injury or property damage caused by your car is taken care of by liability coverage.

The cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses are paid by the medical coverage.

The validity of most car insurance policies is six months to one year. You must renew the policy once it expires.

State laws mandate that your have some form of car insurance if you own or operate a car.

The penalty for driving a car without insurance is different in different states. Some states impound your car. There are heavy fines in some states. Serious trouble. That's what's in store for you if your car is involved in an accident with insurance. You may have to comply with the financial responsibility laws including having to pay for any injuries or damages out of your own pocket.

Your credit history, the age and type of your car will play an important role in determining the rate you have to pay for car insurance.

As the owner of a car, you are responsible for providing insurance for the car, no matter who is operating the car. If you operate a car without insurance, you will be in violating the law.

You might save several hundreds or even a few thousand dollars by simply obtaining and comparing auto insurance quotes from about three insurance quotes sites.

The straightforward reason for this is that you will receive many more quotes from a wider range of insurance companies. This raises your chances of getting better quotes.

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