Archive December 2018

How to pick home security features- Insights

Home security is fast becoming an important topic of concern here in America. As the economy worsens, the crime rate for burglaries and robberies is rising. The local news has stories almost daily of break-ins at homes and business in which the predominant method of entry is kicking in one of the exterior doors. Checkout how to pick home security features for more info. Over the years I have spent as an insurance adjuster, I’ve been to at least a hundred homes to investigate burglaries and help the homeowners prepare their insurance claim. Seldom have I found incidents where the burglar came in through a window. Burglars nearly always make their entry through a door. Most people use deadbolt locks and their first line of defense. Nothing wrong with that. I’ve never seen a deadbolt lock fail. The deadbolt is not the weakest link in the chain when it comes to securing an exterior door. The weak link is the door jamb. For you that are unfamiliar with the term “jamb,” it is the frame to which the door is mounted by hinges. When you turn the key the deadbolt lock throws a steel bolt into a latch on the jamb.

For tens of millions of homes, apartments and businesses, the exterior door jamb is made of wood. In residential applications, the door jamb usually has a thickness of ¾”. Sometimes exterior door jambs can have a 1 ½” thickness. The screws that mount the latchplate onto the jamb are usually ¾” wood screws, and are usually about 1″ away from the edge of the jamb. So, when a bad guy kicks your door, there is only about 1″ of wood in the jamb offering any resistance. One inch of pine wood, or even oak, does not give you much protection. In almost every burglary claim I’ve handled where the burglar came in through a door, it was the wood door jamb that failed…usually on about the second kick. And the cost of replacing a damaged door and jamb can easily run $750 – $1,000. The best solution to securing your exterior doors against break-in would be to install steel jambs and steel doors. However, that can be very expensive. Sliding glass doors are also an easy entry point for thieves. Placing a dowel, bar or stick in the track does not prevent your door from being lifted out of the track. There is another solution that is cost effective and works great!

Medical Expenses After an Automobile Accident

All it takes is one motor vehicle accident to completely change your life. If you are seriously injured in a crash, you may face a lifetime of medical treatment and therapy. You may not be able to return to work, or you may be forced to find a new occupation. If the driver who hit you does not have auto insurance or enough coverage to pay for all of your medical expenses, you will have to find a way to pay for them yourself. Visit here do I need to go to an emergency room following a car accident.

Considering the types of catastrophic injuries that can occur in auto accidents, including traumatic brain injuries and spinal cord injuries, medical bills easily can reach hundreds of thousands of dollars. Even with health insurance, the costs of deductibles and co-payments may be more than you can afford.

According to the most recent statistics from the Texas Department of Transportation (TxDOT), more than 267,000 people were injured in automobile crashes in the state in 2007. Of those injured, more than 89,000 suffered serious injuries. Based on these numbers, TxDOT estimates that one person is injured in a car accident on Texas roadways every 1 minute and 58 seconds. Further, current statistics place the number of uninsured drivers in the state around 4 million, or 15-20% of all drivers, making your chances of becoming involved in a crash with an uninsured driver too high to ignore.

-Protecting Yourself from Bankruptcy

If you are involved in a car accident with an uninsured or underinsured driver and do not have your own insurance or enough insurance to cover your medical expenses, you may have to consider filing for bankruptcy. Mounting medical bill debt accounts for 50% of all bankruptcies filed in the US. A study conducted by Harvard University found that the majority of those filing for bankruptcy due to medical bills were middle class wage earners who had health insurance at the beginning of their illness or injury, but then lost their insurance coverage prior to filing for bankruptcy protection.

In one of the wealthiest countries in the world, it seems unfair that people should have to file for bankruptcy because they needed medical treatment for injuries, especially when those injuries were caused by someone else. As the current economy worsens and hard-working people lose their jobs and, as a consequence, their health insurance, what can people do to decrease the possibility of being forced to file for bankruptcy following a car accident?

-Check Your Auto Insurance Coverage

Making sure you have sufficient auto insurance coverage is one of the most important ways you can protect yourself and your family from uninsured drivers.

-Liability Insurance

Texas state law requires every driver to carry liability insurance. Liability insurance only covers the property damage and medical expenses you may cause to others in an accident – it does not provide any coverage for your own losses. The current minimum liability coverage is $25,000 for each injured person up to $50,000 total per accident and $25,000 total for property damage per accident. These amounts will increase to $30,000 per injured person up to a $60,000 maximum per accident in 2011.

If you are in an accident with a driver who only maintains liability insurance on his or her vehicle, $25,000 may not be enough to cover your medical expenses, especially if you are seriously injured. However, if you carry uninsured/underinsured motorist coverage (UM/UIM), then your own auto insurance policy will help cover your unpaid medical expenses.

-Uninsured/Underinsured Motorist Coverage

Texas state law requires every insurance company to offer UM/UIM coverage. UM/UIM coverage protects you if you are in an accident and the at-fault driver does not have auto insurance or does not have enough auto insurance to pay the full costs of your losses. UM/UIM coverage also provides benefits if you are in a hit-and-run accident and the other driver is never identified.

UM/UIM coverage on your auto policy will cover all injuries and damages caused by the at fault driver, including but not limited to:

* Medical bills

* Lost wages

* Pain and suffering

* Disfigurement

* Physical impairment

* Funeral expenses

The policy also covers property damage to your vehicle, including repair costs, rental car expenses and loss or damage to items in the car, after you pay a $250 deductible. There is no deductible for bodily injury coverage. UM/UIM policies cover the driver, the driver’s family, passengers in the vehicle and anyone to whom the driver gave permission to drive the vehicle. More importantly, by law the insurance company cannot raise your premiums for making a UM/UIM claim. This is because such claims are based on the fault of the other driver.

You are not required to have UM/UIM coverage, but every driver should. Adding the coverage to your insurance policy is not all that expensive. You should look at having a minimum UM/UIM policy of $500,000. In order to carry a high limit on your UM/UIM coverage, you will have to carry the same amount for your liability coverage.

It is important to note that it costs very little to obtain coverage that exceeds the minimum required by law. You should check it out. Are you more concerned about protecting others or protecting yourself? Given the large number of drivers without car insurance and the high potential of being in a car accident at least once in your life, carrying sufficient UM/UIM benefits can mean the difference between paying your medical bills and being forced into bankruptcy.

-Personal Injury Lawsuits

If you are injured in an accident and have unpaid medical bills from the injuries caused by the accident, you have the right to file a personal injury lawsuit against the responsible driver.

An attorney can review your case and determine the most appropriate sources of recovery for your injuries. Even if the other driver did not have auto insurance, it does not mean he or she escapes liability. In some cases, you may have a claim against an insurance company instead of the driver. For example, the liable party’s insurance company may not have provided you the full amount of compensation you are owed. In other cases, your own insurance company may not have paid out the UM/UIM benefits you are entitled.

Conclusion

Responsible drivers who have auto insurance should not be forced into bankruptcy when they are injured by irresponsible drivers who do not have insurance or enough insurance to pay for their medical bills. Until there are changes in the health care system and people do not have to make the choice between keeping a roof over their heads and paying for medical treatment, it is important that drivers are proactive and have sufficient uninsured and underinsured motorist coverage.

Tow truck services and how an operator will work- Insights

Cars are one the greatest assets that we own. It should be cared well for serving us for a long time. But at times our vehicle will breakdown in the middle of nowhere and we will be in need of roadside assistance or help from some towing service to get our vehicle to the service center. Towing is to be done in such conditions where the vehicle cannot be driven in its present condition. Most of the car owners don’t spend enough time in choosing the right kind of towing service for moving their vehicle. They take it for granted that all services are of the same kind.Come watch and join us at-tow truck services and how an operator will work.

Choosing a good towing service is mandatory for getting the most effective and efficient repair service for your vehicle. This is necessary because there are many towing companies with different levels of expertise in this field. There are some issues which are to be taken care before your vehicle is being carried away. Some may be legal issues in case of accidents and some others are done for our convenience. If towing is not done by professionals in this field, there could be further damages occurring to your vehicle. To avoid such situations we should make sure that the service is a reputed one with all kinds of accessories.

Not all vehicles are towed using the same method. They will have to use different kinds of equipments for working on various vehicles. Otherwise there will be problems like the back side of the vehicle touching the ground and getting damaged while towed. Some inexperienced drivers will not be careful while towing your vehicle, and if any damages occur during this time, the company has to provide you the necessary service. This will be possible only if the towing company is having insurance coverage for that. Before taking the service of a company we have to make sure that they have insurance coverage for your vehicle while towing it.Another great feature of a good service company is that they will be able to give you some assistance for repairing your vehicle at the road side itself. This is done in case of small troubles like that of a flat tire or running out of gas. Running out of gas seem to be the common problem for being stuck at such inconvenient times. There is no need of towing when you are in need of a gas refill. Only efficient towing services will be able to provide such services; therefore, select your towing service company by looking at their ability to provide additional services like trouble shooting your vehicle and roadside assistance.

Dog Cleaning Products Guide

Dog cleaning is vital for his good health. Just like human beings, dogs also requires regular cleaning. Regular cleaning helps an individual to keep their dog in the pink of their health. Some necessary dog cleaning products are as follows:

1) Ear cleaner: a good ear cleaner is vital. As the excess moisture in the ears results in the growth of bacteria, that causes infection. The infection causes itching, odor, and distress. If this infection is not treated properly, it can cause terrible pain and sometimes hearing loss.

An ear cleaner will help in preventing infections, and keep canine’s ears comfortable and fresh odor. These remove debris, of wax buildups and dirt and retain dog’s ears dry and clean. Floppy eared breed dogs such as hounds and retrievers especially require regular ear cleaning.

2) Shampoos: a good shampoo is amongst vital cleaning products. These are required to clean the dog’s coat and having soft and smooth furs. Varieties of Dog shampoos are available to deal with different problems related to related to their skins for instance, anti-itching shampoo, flea and tick control shampoo etc.

These days natural cleaner or shampoos are also in demand such as oat’s shampoo and conditioner, as these do not cause any side effects. Commercially prepared dog shampoos contain chemicals, which may cause harm to your pooch’s skin,  how to clean up pet stains at home

3) Eye cleaner: these dogs-cleaning products are developed to remove dirt and debris from the eyelids. Some eye cleaners are used to prevent and treat infection and inflammation. Bacteria’s get accumulated over the eyelids and results in some severe infections. A dog eye cleaner washes the area and remove the injurious bacteria.

4) Odor remover: dog brings joy and company in our life, but it also brings a responsibility of maintaining hygiene and cleanliness. Pet stain and odor remover is required to remove their bad odor from the house. As the new pet is untrained and sometimes passes urine in the house will result a foul smell and get rid of this smell is vital.

Cleaning products also include deodorizers to help your canine smells pleasant all the time. One more vital task in dog cloning is brushing his teeth this will eliminate his bad breath. These days all these Dog-cleaning products are just one click away. What you all need is to browse an online pet store and order your desired Dog-cleaning product. Your product will be at your doorsteps within just 6 working days.

Caffeine Allergy

The people who have been suffering from caffeine allergy can consider themselves unlucky as many people don’t suffer from this. This is really hard to survive in life without consuming caffeine containing foods such as coffee, tea, energy drinks, soda, chocolate etc. But allergy is something which causes naturally and due to the immune system of the body and none have the control over this. But upon controlling lifestyle, the sufferer can avoid such allergic problem. In this article, you can read about some advanced information.

The causes for all the food allergies are more or less same. It is same for caffeine allergy too. Caffeine is a stimulant drug which contains protein. The immune system of body suspects this protein as an invader whenever some amount of caffeine is ingested in the body. There is no definite reason why the body immune system does so. But if it does for someone, he/she will be allergic to this. Anyway, the immune system and that protein fights against each other and due this a chemical named histamine is produced. The adverse reaction that we get is responsible due to this chemical. This is why the doctor usually recommends for antihistamine which works conversely against the chemical. check out this article for more details.

The symptoms of caffeine allergy can be mild to severe. Some of the most common symptoms include dizziness, depression, pain attack, skin inflammation etc. The worst attack is anaphylactic which causes death in some cases. A lot of people in the USA are attacked by this every year and also become dead.

The treatment can be done in two ways for caffeine allergy. One is prevention which is considered as the best way. In this way, the sufferer must avoid all sorts of foods which contain even a trace of caffeine in it. Another way is medication where the doctor will provide medicines for the sufferer. But nobody should wait for medication. This step is only applicable when there is no more option left for the sufferer. Sometime due to the severity of the reaction, the sufferer has to rush to the hospital and ask for some quick relief to the doctor. Some of the medicine and injection can make a relief within 5 to 10 minutes.

Although this will be very hard for the sufferer to avoid the caffeine containing foods, but once it is diagnosed, the sufferer must take attempts to change the lifestyle and this is a mandatory step to follow.