Saturday, June 25, 2016
Wednesday, June 22, 2016
Magnetic Particles
Magnetic Particles
As mentioned previously, the particles that are used for magnetic particle inspection are a key ingredient as they form the indications that alert the inspector to defects. Particles start out as tiny milled (a machining process) pieces of iron or iron oxide. A pigment (somewhat like paint) is bonded to their surfaces to give the particles color. The metal used for the particles has high magnetic permeability and low retentivity. High magnetic permeability is important because it makes the particles attract easily to small magnetic leakage fields from discontinuities, such as flaws. Low retentivity is important because the particles themselves never become strongly magnetized so they do not stick to each other or the surface of the part. Particles are available in a dry mix or a wet solution.
Tuesday, June 21, 2016
FSCO Mandate Review Recommends Changes to Auto Insurance Regulation
The Ontario government should establish a new organization that would perform the functions currently performed by the Financial Services Commission of Ontario (FSCO) and the Deposit Insurance Corporation of Ontario (DICO), an expert advisory panel said in a report released Monday.
The panel recommends that a new Financial Services Regulatory Authority (FSRA) be established, and it should exercise both prudential and market conduct functions. The panel – comprised of George Cooke, James Daw and Lawrence Ritchie – made its recommendation to create FSRA in an interim report released in November, 2015. The final report, dated March 31, was made public Monday and contains 44 recommendations.
The mandate review was partly made necessary with the transfer of responsibility for operating an auto insurance dispute resolution system from FSCO to Ministry of the Attorney General’s Licence Appeal Tribunal on April 1, 2016.
Governance
The report suggests that FSRA should consolidate functions, but it should have separate divisions for the regulation of market conduct; prudential oversight; and pension administration. These divisions of the regulator should operate in a coordinated manner, but each division should be insulated from the routine regulatory activities, pressures and resource demands of other divisions.
FSRA should be a self-funded corporation without share capital, operationally independent of government, yet accountable to the Legislature through the Minister of Finance. The FSRA should be outside of the Ontario Public Service and be empowered to hire its personnel from outside of the Ontario Public Service’s collective agreements, compensation restraints, and other hiring restraints to support its ability to recruit professionals and industry expertise as it deems necessary.
FSRA should have a skills-based Board of Directors appointed by the Lieutenant Governor in Council. The Board would oversee FSRA’s operations and the Board should have the authority to appoint a Chief Executive Officer (CEO). The Board Chair should report directly to the Minister of Finance.
FSRA’s Board should be given authority to make rules that would be enforceable pursuant to the statute, having a similar authority as Cabinet Regulations.
Auto Insurance Rate Regulation
The panel did not make any recommendations with respect to the prior approval of auto insurance. However, it did recommend that FSRA’s Board should be obliged and empowered to decide how auto insurance rates are to be regulated and make use of its rule-making authority to scope out a rate approval process.
The view of the panel is that when it comes to the regulation of automobile insurance rates, FSCO is not ultimately protecting the public interest or enhancing confidence in the sector.
Motor Vehicle Accident Claims Fund
The panel recommends that responsibility for operating the Motor Vehicle Accident Claims Fund (MVACF) be transferred to the Facility Association (FA), a non-profit organization funded by automobile insurers in the provinces and territories that operate private insurance systems. This responsibility would fit well with the FA’s original purpose, which is to act as the ‘insurer of last resort’ for high-risk drivers. The FA already operates uninsured motorist funds similar to the MVACF in the Atlantic Provinces.
Fraud Prevention
The panel indicated that the new mandate should require FSRA to utilize its statutory authorities to adequately, firmly and consistently discourage fraudulent activities or behaviours that mislead or harm consumers and pension plan beneficiaries.
FSRA should be directed to identify and seek to eliminate gaps in protection for consumers who might be defrauded by licensed sales agents, brokers and corporations. FSRA should also have the authority to establish a fraud compensation fund such as exists in Quebec if or where enhancements to mandatory insurance coverage would not fully close current gaps.
There is no word from the government on implementing the panel's recommendations.
The panel recommends that a new Financial Services Regulatory Authority (FSRA) be established, and it should exercise both prudential and market conduct functions. The panel – comprised of George Cooke, James Daw and Lawrence Ritchie – made its recommendation to create FSRA in an interim report released in November, 2015. The final report, dated March 31, was made public Monday and contains 44 recommendations.
The mandate review was partly made necessary with the transfer of responsibility for operating an auto insurance dispute resolution system from FSCO to Ministry of the Attorney General’s Licence Appeal Tribunal on April 1, 2016.
Governance
The report suggests that FSRA should consolidate functions, but it should have separate divisions for the regulation of market conduct; prudential oversight; and pension administration. These divisions of the regulator should operate in a coordinated manner, but each division should be insulated from the routine regulatory activities, pressures and resource demands of other divisions.
FSRA should be a self-funded corporation without share capital, operationally independent of government, yet accountable to the Legislature through the Minister of Finance. The FSRA should be outside of the Ontario Public Service and be empowered to hire its personnel from outside of the Ontario Public Service’s collective agreements, compensation restraints, and other hiring restraints to support its ability to recruit professionals and industry expertise as it deems necessary.
FSRA should have a skills-based Board of Directors appointed by the Lieutenant Governor in Council. The Board would oversee FSRA’s operations and the Board should have the authority to appoint a Chief Executive Officer (CEO). The Board Chair should report directly to the Minister of Finance.
FSRA’s Board should be given authority to make rules that would be enforceable pursuant to the statute, having a similar authority as Cabinet Regulations.
Auto Insurance Rate Regulation
The panel did not make any recommendations with respect to the prior approval of auto insurance. However, it did recommend that FSRA’s Board should be obliged and empowered to decide how auto insurance rates are to be regulated and make use of its rule-making authority to scope out a rate approval process.
The view of the panel is that when it comes to the regulation of automobile insurance rates, FSCO is not ultimately protecting the public interest or enhancing confidence in the sector.
Motor Vehicle Accident Claims Fund
The panel recommends that responsibility for operating the Motor Vehicle Accident Claims Fund (MVACF) be transferred to the Facility Association (FA), a non-profit organization funded by automobile insurers in the provinces and territories that operate private insurance systems. This responsibility would fit well with the FA’s original purpose, which is to act as the ‘insurer of last resort’ for high-risk drivers. The FA already operates uninsured motorist funds similar to the MVACF in the Atlantic Provinces.
Fraud Prevention
The panel indicated that the new mandate should require FSRA to utilize its statutory authorities to adequately, firmly and consistently discourage fraudulent activities or behaviours that mislead or harm consumers and pension plan beneficiaries.
FSRA should be directed to identify and seek to eliminate gaps in protection for consumers who might be defrauded by licensed sales agents, brokers and corporations. FSRA should also have the authority to establish a fraud compensation fund such as exists in Quebec if or where enhancements to mandatory insurance coverage would not fully close current gaps.
There is no word from the government on implementing the panel's recommendations.
Saturday, June 18, 2016
Insurance News - Saturday, June 18, 2016
Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Saturday, June 18, 2016:
- A recent FSCO survey revealed that 90% Ontarians do not know much about their auto insurance coverage.
- New York legislators want to make self-driving cars accessible, but must first fix a 1971 law that requires at least one hand on steering wheel.
- Three threats to incumbent car companies are converging into a tidal wave of disruption.
- Almost half of marijuana-smoking Canadian drivers say that they can safely operate a vehicle while stoned.
- How data analytics will change the insurance sector as never before.
Friday, June 17, 2016
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Wednesday, June 8, 2016
Insurance News - Wednesday, June 8, 2016
Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Wednesday, June 8, 2016:
- Ontario consumers satisfied with auto insurance despite government failures to reduce rates according to a J.D. Power survey.
- A CCIR paper confirms that no legislative changes are needed to introduce electronic pink slips. See my recent post on electronic insurance cards.
- Florida officials are calling for a $125,000 study to consider dropping state’s system of no-fault Personal Injury Protection auto insurance.
- Google has registered a patent for a glue would stick pedestrian to a self-driving car after a collision in order to reduce injuries.
- Will the convenience and accessibility provided by self-driving cars increase auto usage, and congestion?
- With reduced SABs coverage, brokers who fail to offer their customers sound advice run the risk of an E&O lawsuit.
Tuesday, May 31, 2016
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Monday, May 30, 2016
Fixed Rate Mortgages
A mortgage in which the interest rate remains the same throughout the entire life of the loan is a fixed rate mortgage. These loans are the most popular ones, representing over 75% of all home loans. They usually come in terms of 30, 15, or 10 years, with the 30-year option being the most popular. While the 30-year option is the most popular, a 15-year builds equity much faster.
The biggest advantage of having a fixed rate is that the homeowner knows exactly when the interest and principal payments will be for the length of the loan. This allows the homeowner to budget easier because they know that the interest rate will never change for the duration of the loan.
Not only are fixed rate mortgages the most popular of home loans, but they are also the most predictable. The rate that is agreed upon in the beginning is the rate that will be charged for the entire life of the note. The homeowner can budget because the monthly payments remain the same throughout the entire length of the loan. When rates are high and the homeowner acquires a fixed rate mortgage, the homeowner is later able to refinance when the rates go down. If the interest rates go down and the homeowner wants to refinance, the closing costs must be paid in order to do so. Some banks wishing to keep a good customer account may wave closing costs. If a buyer buys when rates are low they keep that rate locked in even if the broader interest rate environment rises. However, home buyers pay a premium for locking in certainty, as the interest rates of fixed rate loans are usually higher than on adjustable rate home loans.
Insurance News - Monday, May 30, 2016
Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Monday, May 30, 2016:
- Auto insurance is a sore spot for many Canadians. Many believe they are paying too much for premiums while receiving too little in return. Although customer satisfaction is improving.
- It's almost June 1 and mandatory accident benefit coverage in Ontario will be shrinking.
- Speakers at the U.S. National Highway Traffic Safety Administration's first forum on the topic offered mixed opinions about whether the arrival of self-driving cars should be slowed or sped up.
- GM and Lyft will be using Chevy Bolts as autonomous taxis in selected U.S. cities in 2017.
- An Ontario woman blindly followed her car's GPS straight into Lake Huron. Self-driving cars got to be better than this.
- The owner of a Tesla Model S says that his semi-autonomous car crashed into the back of a trailer while he thought it was parked. Tesla Motors isn't so sure that's what happened.
Thursday, May 26, 2016
LAT Have Mercy
On April, 1, 2016, Ontario's Licence Appeal Tribunal's (LAT) Automobile Accident Benefits Service (AABS) was officially open for business. After 26 years, the Financial Services Commission of Ontario (FSCO)'s Dispute Resolution Group stopped accepted new applications. The transfer of responsibility has created considerable apprehension among its users. FSCO was flooded with new applications in the weeks leading up to April 1st. For many, it's a matter of 'better the devil you know.' What will this change mean for stakeholders? Will it really be different?
How did we get here?
The establishment of the AABS at LAT brings to a conclusion a process that began with the appointment of the Honourable J. Douglas Cunningham in August, 2013. Justice Cunningham was asked to review the auto insurance dispute resolution system. He was asked to make recommendations to the government to address a significant backlog, in disputed autoinsurance claims pending mediation and arbitration, that existed at the time - and to propose system improvements. His report - delivered in February 2014 - included 28 recommendations. As a result, Bill 15, the Fighting Fraud and Reducing Automobile Insurance Rates Act, 2014 included a provision transferring responsibility for resolving disputes over statutory accident benefits from FSCO to LAT. Regulation changes filed by the government on March 7, 2016 - which came into effect on April 1 - was the final step in implementing the new dispute resolution system.
What are the changes?
- The only dispute resolution process available to parties is an arbitration through LAT.
- Mandatory mediation is no longer part of the dispute resolution process.
- No court action can be commenced for statutory accident benefits disputes, even where there is a companion tort action.
- There is no right of appeal, other than a reconsideration option with the Executive Chair of the Safety, Licensing Appeals and Standards Tribunals of Ontario (SLATSTO) for exceptional circumstances and the Divisional Court on a question of law.
- A total of 22 new full-time and part-time LAT adjudicators have been appointed to date. Auto insurance stakeholders will be interacting with a largely unknown group of adjudicators as only three have had experience resolving disputes at FSCO.
- LAT is committed to resolving most (90%) disputes within six months.
What happens to FSCO?
Applications for mediation, neutral evaluation and arbitration have not been accepted since March 31, 2016. A mediation, arbitration, court proceeding, appeal, variation or revocation that was commenced before April 1, 2016 may be continued at FSCO after that date. If a mediation fails before April 1, 2016 , an application for arbitration can only be made to the LAT on or after April 1, 2016. Applications to the Director of Arbitrations - for appeals, variation or revocation - may only be made where the application for arbitration was received by FSCO before April 1, 2016.
How does LAT work?
Since there is no longer mandatory mediation, an applicant will be able to apply for arbitration following the denial or termination of statutory accident benefits. The applicant (an insured or insurer) files an Application for Arbitration with LAT. The other party files a response.
It is intended that all procedural issues, lack of production, or failures to attend insurer examinations are to be dealt with upfront by the Registrar. LAT may dismiss an application without a hearing if (1) the claim is an abuse of process, (2) the matter is outside the Tribunal's jurisdiction, (3) the statutory requirements for bringing the application have not been met, or (4) the party filing the application has abandoned the process. This is a significant departure from the FSCO process which included preliminary hearings. However, if LAT is reluctant to dismiss these applications, then the gatekeeper function, envisioned by Justice Cunningham, will not be put into practice.
The first step in the arbitration process is a case conference. This is the settlement meeting described in Justice Cunningham's report. It must take place within 45 days of the date LAT receives an application. The case conference is analogous to a FSCO pre-arbitration meeting except most will take place over the phone instead of in-person. Prior to the case conference, the parties are required to outline the documents to used at a hearing, any production issues, the preference for the type of hearing (written, video/telephone or in-person), a list of witnesses and details of the most recent settlement offer.
Should the dispute not be resolved at a case conference, then a hearing will take place within 60 days. The type of hearing will be decided by the adjudicator at the case conference. Decisions will be issued within 30 days for written hearings, within 45 days for video/telephone hearings and 60-90 days for in-person hearings.
Lingering concerns
There is no LAT appeal process other than the possibility of a reconsideration by the Executive Chair of SLATSTO if there is a clear error that was made by the adjudicator. Appeals based on merit are not available. A party can apply for judicial review where there is a question of law.
Is this a significant departure from the FSCO process?
The simple answer is yes. But how much different can only be determined over time. The forms and practice rules are simpler. In an attempt to create a different culture, very few FSCO arbitrators have been appointed to LAT. Some see this as a good thing while others are concerned. But it does add an element of uncertainty for an initial period.
There are other elements of the new process to be concerned about. Justice Cunningham recommended the creation of statutory timelines and sanctions regarding settlement meetings (case conferences), arbitration hearings and the release of arbitration decisions. He felt that there need to be strict adherence to timelines and that creating statutory obligations was the most effective way of accomplishing this. However, no statutory timelines have been created and instead LAT will manage timeline requirements. This is essentially how things existed at FSCO. What will happen if the parties are not ready for a quick hearing? Will adjournments become common occurrences? Stakeholders will be waiting to see if the promised timelines will be met or erode over time.
In response to criticism of FSCO practices in conducting mediations, Justice Cunningham recommended that settlement meetings (case conferences) be conducted in-person or by video conferencing. He rejected telephone meetings. LAT will predominantly be conducting case conferences over the phone. Considering that FSCO pre-arbitration meetings are in-person, this is really a step backwards.
Justice Cunningham wanted hearings to follow three streams: paper reviews, expedited in-person hearings and full in-person hearings. He recommended criteria be adopted to determine which stream a case falls under. Those criteria have not been adopted. Instead, the LAT adjudicator will exercise his or her discretion to determine the format of a hearing. At FSCO, similar discretion existed but all hearings were in-person. Although LAT has suggested that many hearing will be paper reviews, will stakeholders pressure adjudicators to provide more in-person hearings?
A number of other recommendations by Justice Cunningham seemed to have been abandoned. The settlement of future medical and rehabilitation benefits were to have been prohibited until two years after the date of the accident. The SABS have not been amended and settlements will still be permitted one year after the date of the accident. In addition, every insurer was to establish an internal review process as the first step in the new dispute resolution process. It does not appear that all companies have established an internal review process.
Conclusion
A lot of time and effort has gone into creating the AABS at LAT to replace the dispute resolution process at FSCO. One of the problems identified by Justice Cunningham has been the culture surrounding the previous system. LAT has made a considerable effort to create a new culture. However, the new adjudicators will be dealing with the same clientele and will need to interpret the same complex and frustrating statutory accident benefits. It will take some time to determine how much different the new system is.
Tuesday, May 24, 2016
I am a young and independent women.
UK mortgages differ from those in many other areas
Save Before You Buy A Home
Before the worldwide mortgage collapse, the UK real estate market was one of the most active in the world. UK mortgages differ from those in many other areas of the world in that the government rarely intervenes in the market. The main influence of the government is in the setting of interest rates by the Bank of England (BoE) and in particular the BoE’s repo rate, and to a lesser extent the London Interbank Offered Rate (LIBOR).
Monday, May 16, 2016
Insurance News - Monday, May 16, 2016
Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Monday, May 16, 2016:
- Uber, Google and Ford form self-driving car coalition to urge government action on self-driving car tech.
- Regulatory change demands insurers show regulators using telematics data for claims management would help consumers.
- There is a lot of speculation around what the world will look like when there are self-driving cars on the road. For example, one in four drivers (the person behind the wheel) are expected to sleep while in self-driving car.
- An expert from the Canadian Automated Vehicles Centre of Excellence warns that there will be a lot of sex behind the wheel.
- Then there is the NATO security expert who warns that Islamic State technicians are working to produce driverless car bombs.
Saturday, May 14, 2016
Insurance News - Saturday, May 14, 2016
Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Saturday, May 14, 2016:
- Is an outdated loyalty system the only thing keeping brokers from oblivion?
- Canadians can now rent their personal vehicle to others through a U.S. company that has just launched in this country. It's like AirBnB for car owners. But should you do it?
- A new ride-hailing app made exclusively for women will now launch in the U.S. nationwide this fall after being met with overwhelming demand from users.
- Auto insurance rates in Ontario have dropped about 10 per cent on average in the past few years, putting the Liberal government two-thirds of the way to a goal that passed eight months ago.
- Who's responsible when a self-driving car crashes? In short term it will be drivers but in long term it will likely be manufacturers.
- Classifying the different levels of vehicle autonomy. Most cars will not be at the top level for many years.
Friday, April 29, 2016
Insurance News - Friday, April 29, 2016
Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Friday, April 29, 2016:
- The driverless car revolution is taking the world by storm, but Canada has been slow to join. Only one Canadian province, Ontario, has allowed autonomous cars to be tested on its roads.
- Self-driving cars are at the mercy of crappy roads where it is common to see faded lane markers, missing signs and other side effects of our aging roadways.
- It looks like Toronto will have separate rules for taxis and ride-sharing companies.
- The next step in autonomous vehicles: Toyota's ‘guardian angel’ self-driving vehicles allows drivers to control vehicles until they mess up. Then the vehicle takes control from the driver to prevent a crash.
- There are rumours circulating that the Tesla 3, which will be available beginning March 2018, will be the first truly self-driving car.
- Uber, who has largely introduced the ability to measure usage in miles not months, has led to the creation of new models.
Thursday, April 28, 2016
Mortgage Market Review
Moving forward, the FSA under the Mortgage Market Review (MMR) have stated there must be strict criteria on the repayment vehicle being used. As such the likes of Nationwide and other lenders have pulled out of the interest-only market.
Tuesday, April 26, 2016
Benefit Cuts Lead To Modest Rate Reductions
FSCO's latest quarterly rate approval numbers have been released and suggest that some savings have been accrued from the statutory accident benefit cuts that become effective on June 1.
FSCO approved 50 private passenger automobile insurance rate filings during the first quarter of 2016. All 50 filings were automobile insurance reform filings. These 50 insurers represent 83.36% of the market based on premium volume. Approved rates decreased on average by 3.07% when applied across the total market. This is the largest drop in rates since the fourth quarter of 2013 when approved rates decreased on average by 3.98% when applied across the total market.
Although the government has begun to distance itself from the 15% rate reduction promise made in August 2016 (likely an admission that it can't be achieved), most people are, at least, curious how close the latest round of cuts got us to 15%. If you aggregate all the rate changes since the 2013 announcement, the total rate reduction is 10.17% when applied across then total market. There may be further reductions in the next quarter but it's safe to say that this is about it.
FSCO approved 50 private passenger automobile insurance rate filings during the first quarter of 2016. All 50 filings were automobile insurance reform filings. These 50 insurers represent 83.36% of the market based on premium volume. Approved rates decreased on average by 3.07% when applied across the total market. This is the largest drop in rates since the fourth quarter of 2013 when approved rates decreased on average by 3.98% when applied across the total market.
Although the government has begun to distance itself from the 15% rate reduction promise made in August 2016 (likely an admission that it can't be achieved), most people are, at least, curious how close the latest round of cuts got us to 15%. If you aggregate all the rate changes since the 2013 announcement, the total rate reduction is 10.17% when applied across then total market. There may be further reductions in the next quarter but it's safe to say that this is about it.
I'm a good and Independent Girl
I'm a good and Independent girl, i know that because i don't believe on any bad relationship , i am serious , intelligent, think always before saying any kind of word , i'm here just to discover that all i don't think yet of marriage because maybe vie never been in relationship that's why and studies are my priorities
Saturday, April 23, 2016
I am fun, loving and have a great sense of humor
This is part is always hard to sum your life in a nutshell. Well, I am a young woman looking towards marriage. I am currently working towards my PhD. Although I am an Academic, I also enjoy being spontaneous and traveling . I love the arts, photography, and exploring my overall creativity. I am fun, loving and have a great sense of humor. Well, I am sure I didn't cover it all...but I am sure you'll learn more as we get to know each other
Quantifying Magnetic Properties
Quantifying Magnetic Properties
(Magnetic Field Strength, Flux Density, Total Flux and Magnetization)
(Magnetic Field Strength, Flux Density, Total Flux and Magnetization)
Until now, only the qualitative features of the magnetic field have been discussed. However, it is necessary to be able to measure and express quantitatively the various characteristics of magnetism. Unfortunately, a number of unit conventions are in use as shown below. SI units will be used in this material. The advantage of using SI units is that they are traceable back to an agreed set of four base units - meter, kilogram, second, and Ampere.
Quantity | SI Units (Sommerfeld) | SI Units (Kennelly) | CGS Units (Gaussian) | |
Field | H | A/m | A/m | oersteds |
Flux Density (Magnetic Induction) | B | tesla | tesla | gauss |
Flux | f | weber | weber | maxwell |
Magnetization | M | A/m | - | erg.Oe-1.cm-3 |
The units for magnetic field strength H are ampere/meter. A magnetic field strength of 1 ampere/meter is produced at the center of a single circular conductor of diameter 1 meter carrying a steady current of 1 ampere.
The number of magnetic lines of force cutting through a plane of a given area at a right angle is known as the magnetic flux density B. The flux density or magnetic induction has the tesla as its unit. One tesla is equal to 1 Newton US
The total number of lines of magnetic force in a material is called magnetic flux f. The strength of the flux is determined by the number of magnetic domains that are aligned within a material. The total flux is simply the flux density applied over an area. Flux carries the unit of a weber, which is simply a tesla-square meter.
The magnetization is a measure of the extent to which an object is magnetized. It is a measure of the magnetic dipole moment per unit volume of the object. Magnetization carries the same units as a magnetic field; amperes/meter.
Conversion between CGS and SI magnetic units.
Tuesday, April 5, 2016
Insurance News - Tuesday, April 5, 2016
Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Tuesday, April 5, 2016:
- Self-driving vehicles will learn everything about you—and influence your behavior in ways you might not even realize.
- Telematics will revolutionize insurance by transforming it from a fixed-cost operation into a variable-cost one.
- Zoox is the latest entrant in the self-driving-car derby wanting to develop Uber-like driverless service.
- MIT suggests interconnected roads and self driving cars will not need traffic lights or road signs (although pedestrians still will).
- UberX car is collateral damage in high-speed police chase of an SUV leaving three people with very serious injuries. Is Uber's "auto insurance policy" going to cover these possibly catastrophic claims?
Saturday, March 26, 2016
Merchants have sought methods to minimize risks since early times.
Merchants have sought methods to minimize risks since early times. Methods for transferring or distributing risk were practiced by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennium BC, respectively. Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system which was recorded in the famous Code of Hammurabi, c. 1750 BC, and practiced by early Mediterranean sailing merchants. If a merchant received a loan to fund his shipment, he would pay the lender an additional sum in exchange for the lender's guarantee to cancel the loan should the shipment be stolen or lost at sea.
Some typical examples of insurance purchased by individuals include house insurance
Some typical examples of insurance purchased by individuals include house insurance (which may protect the insured against loss or damage to the home due to fire or other hazards); car insurance (which protects the driver against damage to her car, other vehicles she may have a collision with, liability for damages suffered by others in a collision, etc.) and life insurance.
This can be a big help to you in choosing a new or gently-used car.
As a money-wise step when car shopping, take the cost of insurance coverage into account. Ask your insurance agent to tell you which cars will get the best rates. This can be a big help to you in choosing a new or gently-used car. If you purchase a car with a high safety rating, insurance will be quite a bit cheaper.
You should comb through your insurance options carefully.
You should comb through your insurance options carefully. Every company is different when it comes to how they determine your premium. Comparing a few different companies before making your final decision can end up saving you quite a bit of money. Try decreasing your mileage each year to boost the savings on your insurance bill. You may find that your insurance company will lower your rate if you lower your annual mileage.
Finding and purchasing the appropriate car insurance can be daunting.
Easy To Understand Auto Insurance Tips
Having car insurance is one of the requirements of being a car owner. Finding and purchasing the appropriate car insurance can be daunting. Your goal should be to obtain an insurance policy that covers all your needs at the lowest cost possible. Before you start shopping around, you must decide exactly what types of coverage you need and in what amounts. Some helpful advice regarding auto insurance can be found in this article.
Monday, March 21, 2016
Insurance News - Monday, March 21, 2016
Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Monday, March 21, 2016:
- Nova Scotia will allow drivers to voluntarily pay back their insurer for minor damage and have the accident registered as not at-fault.
- Existing U.S. laws pose few barriers to adoption of autonomous vehicles so long as they allow humans to take control.
- Undercover investigators hired by Aviva capture alleged car insurance fraud on video.
- Uber to begin replacing drivers with 100,000 Mercedes-Benz S-Class self-driving cars starting in 2020.
- Google wants U.S. Congress to create new federal powers that would let the technology giant receive special, expedited permission to bring to market a self-driving car that has no steering wheel or pedals.
Sunday, March 20, 2016
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