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i was in an automobile accident with a drunk driver. the district attorney is making him pay my out of pocket expenses out of his pocket before he can get his license back. if he pays these bills out of his pocket, does his insurance company get off the hook? he had insurance at the time of the accident and i am curious...if i sue for pain and suffering, will the claim amount include all the medical bills even if they have been paid already? thank you for your response. i guess my question is more about insurance. it seems weird that he paid money to be insured but now he is the one who has to pay. Not sticking up for his actions by any means but I think the insurance company gets off easy in this case. Not trying to get money...just trying to understand the insurance world. cheers

1. Her lawyer, said that the judge is only allowing for today a 6-month probation if she takes that plea. She does not have to plea guilty, 2. When she did decide to take the CWOF (continuance without a finding) the judge asked her, " do you a gree with the police report) 3. She stated she did not, so cwof she could not take. Note: Cant she just CWOF with out agreeing to the police report? I was told someone once, agreed to the police report, and had complications in court in the future... Also note, this case is in District court in Mass, and the charges are Automobile insurance fraud, larceny and attempt to commit a crime...

Statistics show that the occupants of small vehicles involved in collisions with larger vehicles sustain more injuries than the occupants in the larger vehicles. An Insurance Company has noticed a trend in its automobile applications over the past year: applicants with large vehicles and heavy pick up trucks are requesting higher limits of liability coverage to pay for injuries that they may cause to others. Explain whether this is an example of adverse selection.

I live in NY and rented a car from Avis in OH, without taking out liability insurance (ALI). I bumped someone's car and I want to know if by law I'm covered up to a certain amount even without having any personal automobile or credit card insurance. My questions was regarding the other car. I understand that the rental company has insurance for themselves; my question is if that covers me also, or will I have to pay out of pocket to cover their expenses to fix the other car.

An Insurance Company has noticed a trend in its automobile applications over the past year: applicants with large vehicles and heavy pick up trucks are requesting higher limits of liability coverage to pay for injuries that they may cause to others. Statistics show that the occupants of small vehicles involved in collisions with larger vehicles sustain more injuries than the occupants in the larger vehicles. An Insurance Company has noticed a trend in its automobile applications over the past year: applicants with large vehicles and heavy pick up trucks are requesting higher limits of liability coverage to pay for injuries that they may cause to others. Explain whether this is an example of adverse selection.

The student population at the state college consists of 55% females and 45% males a. The college theater department recently staged a production of a modern musical. A researcher recorded the gender of each student entering the theater and found a total of 385 females and 215 males. Is the gender distribution for the theater goers significantly different from the distribution for the general college? Test at the .05 level of significance. Report the chi-square value; do you reject the null hypothesis? b. The same researcher also recorded the gender of each student watching a men’s basketball game in the college gym and found a total of 83 females and 97 males. Is the gender distribution for basketball fans significantly different from the distribution for the general college? Test at the .05 level of significance. Report the chi-square value; do you reject the null hypothesis? Automobile insurance is much more expensive for teenage drivers than for older drivers. To justify this cost difference, insurance companies claim that the younger drivers are much more likely to be involved in costly accidents. To test this claim, a researcher obtains information about registered drivers from the department of motor vehicles and selects a sample of n=300 accident reports from the police department. The motor vehicle department reports the percentage of registered drivers in each age category as follows: 16% are under the age 20; 28% are 20 to 29 years old; and 56% are 30 or older. The number of accident reports for each age group is as follows: Under Age Age 30 Age 20 20-29 or older 68 92 140 68 92 140 a. Calculate and report the chi-square test statistic. b. Do you reject or fail to reject the null hypothesis? Gender differences in dream content are well documented. Suppose a researcher studies aggression content in the dreams of men and women. Each participant reports his or her most recent dream. Then each dream is judged by a panel of experts to have low, medium, or high aggression content. The observed frequentcies are shown in the following matrix: Aggression Content Low Medium High Female 18 4 2 Gender Male 4 17 15 Is there a relationship between gender and the aggression content of dreams? Test with a=.01. a. Calculate and report the chi-square test statistic. b. Do you reject or fail to reject the null hypothesis? Research indicates that people who volunteer to participate in research studies tend to have higher intelligence than nonvolunteers. To test this phenomenon, a researcher obtains a sample of 200 high school students. The students are given a description of a psychological research study and asked whether they would volunteer to participate. The researcher also obtains an IQ score for each student and classifies the students into high, medium, and low IQ groups. Do the following data indicate a significant relationship between IQ and volunteering? Test at the .05 level of significance. IQ High Medium Low Volunteers 43 73 34 150 Non Volunteers 7 27 16 50 50 100 50 a. Calculate and report the chi-square test statistic. b. Do you reject or fail to reject the null hypothesis? Although the phenomenon is not well understood, it appears that people born during the winter months are slightly more likely to develop schizophrenia than people born at other times. The following hypothetical data represent a sample of 50 individuals diagnosed with schizophrenia and a sample of 50 individuals diagnosed with schizophrenia and a sample of 100 people with no psychotic diagnosis. Each individual is also classified according to season in which he or she was born. Do the data indicate a significant relationship between schizophrenia and the season of birth? Test at the .05 level of significance.

I need to know what insurance company handles USPS insurance claims in San Pablo, CA.

.....and if you do not, make you pay a fine or even face prison time? NOTE: The only people who are forced to buy auto insurance are people who OWN vehicles. The only people who are forced to get a driver's license are those who WANT to drive an automobile.

1. Used cars cost more to insure than new cars because they tend to break down. (1 point) * True * False 2. All of the following are reasons to LEASE a vehicle EXCEPT: (1 point) * you can manage your mileage * you take excellent care of your car interior and exterior * you expect to keep the vehicle for a long time * you prefer the reliability of new cars 3. All of the following are reasons to BUY a vehicle EXCEPT: (1 point) * you’re establishing your credit history * you travel a significant number of miles each year * you’re trying to build equity in your vehicle * you like to have a new car every couple years 4. It costs more money to finance a used vehicle. (1 point) * True * False 5. When you lease a car, who owns the vehicle? (1 point) * the leaser, or driver * the auto dealership * the financing company * the manufactuter 6. What factors should you consider when deciding to buy a new vs. used automobile? (1 point) * needed reliability * applicable warranties * rate of depreciation * safety features * all of the above 7. At least how long should you keep a new vehicle after you purchase it if you want to get the greatest return on your investment? (1 point) * 36 months/3 years * 24 months/2 years * 48 months/4 years * 60 months/5 years 8. By what percentage does a new car depreciate within the first three years after purchase? (1 point) * 75% * 25% * 50% * 45% 9. All of the following are factors that determine how quickly a car will depreciate EXCEPT? (1 point) * automobile mileage * availability of replacement parts * vehicle condition * insurance coverage * existing warranties 10. When does the MOST depreciation occur on a new car? (1 point) * When it has it’s first accident * When it breaks down the first time * When its sold to a second owner * When the car is driven off the dealership

works?? (referred to it as "not serious insurance" and expected a payout for car repairs when he was supposingly rear-ended) Not jealous in the least but I really do not think a person who does not understand how basic car insurance works should be deciding how the entirement u.s. health care system should work ..............

So this woman ran a red light and hit my car pretty bad. Theres no way her insurance company can get out of paying it because she was at fault, I have a witness, AND a police officer was on the scene when it happened. Now I know I will be getting the money to either have my car fixed or payed off no doubt and obviously my medical bills will be taken care of. But my question is should I hire an attorney? I'm very young, only eighteen, and my father is a complete moron when it comes to things like this. He went straight to an attorney we know and I'm afraid we will just get screwed out of money. I'm not trying to mooch money off this woman for hitting me. All I want is my med bills, car bills, and just a little extra incase my injuries catch up with me later on. Why would it be worth it to hire an attorney and why would it just screw me out of money. (He wants to take a third of the money I get.) LOL I know you did not just call me a moron when you cant spell mother. It's not "mouther" you incompetent, ignorant, blithering idiot. Do not comment on how I treat people when you are unaware of the details in my situation. This question is based on whether I need an attorney or not. I do not need opinions on my family life. I appreciate your time if you are trying to help me out.

I do believe I can sue, but wanted verification. I had a debt collector call while I was at my mothers house today saying, "This is Miss Rose, I need to speak with ____ this is a number she gave me to reach her at." And my mom brought me the phone. "Miss Rose" immediately told me that I had a medical debt for November and December '08 and that the hospital was recommending garnishing my wages so she was calling to get a payment before that took place. I worked in collections for 3 months. September-November 09 I worked in collections and knew that we were drilled on fdcpa, knew that we HAD to verify the person by birthday or last four of social and couldnt make threats like garnishing wages both for FDCPA violations. Would like some legal advice bc this debt I do intend on paying, but is mine due to a problem with automobile insurance and really, I'm very very frustrated!

"I believe in returning the nation's wealth to its rightful owners." -- Barack Hussein Obama, President of the United States Are the "rightful owners" of this nation the international bankers, global insurance ceo's, automobile manufacturing titans, national union bosses, federal mortgage crooks and corrupt political cronies that 0bama gave trillions of dollars of this nation's wealth? All while raising taxes on our fuel, electricity, health benefits, capital gains, dividends, income, social security, inheritance, retirement accounts and everyday commodities like tobacco and sugar. What did Obama give you? Obama allowed you to keep $8 more of your weekly paycheck. Would you like more kool-aid?

THE REASON that more than 200 men, women and children attended an immigration reform rally Saturday morning at Ygnacio Valley High School was to hear invited advocates speak for their cause. But the voices that resonated loudest belonged to three people in the audience. Their stories encapsulated the conflicting sentiments expressed about a bill before Congress that would grant amnesty to millions of illegal aliens — HR 4321: The Comprehensive Immigration Reform for America's Security and Prosperity Act of 2009. A Hispanic woman, speaking through a translator, said Contra Costa County clinics had denied many families basic health care because they were undocumented. She told of diabetics with elevated glucose levels who were desperate to find treatment. A health care administrator from Pittsburg said she had been forced to turn away applicants for Medi-Cal and Healthy Families programs because of their undocumented status. She had been moved by the sight of grown men, racked with worry, shedding tears. Even opponents of illegal immigration would find it hard to shut their hearts to such stories. More than 5,000 undocumented county residents are without access to clinics. Then a third speaker, a man in his twenties, stepped to the microphone and unwittingly provided fuel for the opposition. Because of his undocumented status he was unable to get a driver's license, and every time he sat behind the wheel of his car, he worried about being pulled over and having his vehicle impounded. So, to recap: He entered the country illegally. He operates an automobile without a license. Which means has no insurance coverage. If he is responsible for an accident, good luck in recovering damages. So please reward him with legal status. Is it any wonder this topic pulls people in opposite directions? Amnesty proposals have been with us for decades. President Jimmy Carter floated a plan in 1977 that fizzled. Ronald Reagan pushed through the Immigration Reform and Control Act in 1987, after which nearly 3 million undocumented workers became legal. George W. Bush lobbied for a measure in 2006 that withered in Congress. Today, we have HR 4321, co-sponsored by Rep. Luis Gutierrez, D-Ill., and Rep. Solomon Ortiz, D-Tex., a 700-page bill that would beef up border security, overhaul the federal detention system for jailed immigrants and prevent local police from acting as immigration agents, among other things. But the crux of the bill is clearing a path to legalization for an estimated 12 million illegal immigrants. That was the focus of the rally. "Immigrants who do not have legal status must be given the opportunity to come out of the shadows, to work without fear, to become U.S. citizens," attorney Nicolas Vaca told the crowd. "It makes no sense to spend billions of dollars rounding up people, breaking up families and deporting people who have set down roots in this country." He spoke as much to Congress as the audience. Rep. John Garamendi, D- Walnut Grove, and Rep. George Miller, D-Martinez, had representatives in attendance who agreed to deliver the message. Event co-chairwoman Connie James added a postscript: "This is a country that lets people achieve their dreams. We want for our children the same right to dream." That's a nice thought. But it's not easy making most dreams come true. Our guess is this one won't be any different. http://www.contracostatimes.com/columns/ci_14449352

I mean, he's trying to make you buy insurance why won't he make you buy a GM to keep the unions afloat? For that matter, since he's telling you how you HAVE to spend your money, why can't he simply mandate that you donate money to his party?

my father was killed in an automobile accident and had and accidental death policy. He had a heart attack about 8 months ago and needed a quad bypass.He had no insurance and had to apply for medicaid. His spend down was very high and the insurance didn't cover medications. My father never reapplied when it was time and had been ineligible for 1-2 months.Can medicaid come after my sister(beneficiary) for the bills they paid? The policy was purchased 7 days prior to his death. which was 8 months after his hospitalization. so he did not have the policy while eligible for medicaid. my sister is the benificiary on the accidental death policy

I'm having trouble writing out the problem so that I can begin solving it, so if you could write out the process that would be great. Here's the problem: "After a serious automobile accident, most insurance companies will replace the damaged car with a new one if repair costs exceed 80% of the NADA, or "blue-book" value of the car. A car recently sustained $9200 worth of damage but was not replaced. What was the blue-book value of the car?"

I'm stuck on this question in my economics homework can anyone please help? Thanks, Alyssa New cars are normal goods. What will happen to the equilibrium price of new cars if the price of gasoline rises, the price of steel falls, public transportation becomes cheaper and more comfortable, auto-workers accept lower wages and automobile insurance becomes more expensive? A. Price will rise. B. Price will fall. C. Price will stay exactly the same. D. The price change will be ambiguous.

1)The Mountain States Office of State Farm Insurance Company reports that approximately 74% of all automobile damage liability claims were made by people under 25 years of age. A random sample of ten automobile insurance liability claims is under study. For samples of size 10, what is the expected number of claims made by people under 25 years of age. (Use 2 decimal places.) 2)USA Today reported that about 20% of all people in the United States are illiterate. Suppose you take ten people at random off a city street. Find the expected number of people in this sample who are illiterate. (Use 2 decimal places.) 3)Do you tailgate the car in front of you? About 35% of all drivers will tailgate before passing, thinking they can make the car in front of them go faster. Suppose that you are driving a considerable distance on a two-lane highway and are passed by 13 vehicles. Compute the expected number of vehicles out of 13 that will tailgate. (Use 2 decimal places.) 4)The probability that a single radar station will detect an enemy plane is 0.65. If eighteen stations are in use, what is the expected number of stations that will detect an enemy plane? (Use 1 decimal place.)

Okay, my wife's car got stuck in the snow last week close to the subdivision. So I went out to get the car because she's not really good at driving in the snow, but I have experience with it. Two people had stopped to help me get the car, which was stuck in a driveway. A guy loses control on the main road and veers off striking one person helping me and striking my vehicle. My vehicle spun around about 90 degrees. Other than the physical damage to the vehicle would the person be responsible for any hidden damage? Because on the side it was hit my wife says it sounds funny ever since that happened. And I fear it could be something got knocked out of whack from getting spun so violently. How would I be able to prove that damage? BTW, the guy who got hit was just bruised, not badly hurt, thank God. The car almost rolled on top of me because I wasn't in the car at the time it got hit. Just a bump on my head. thankfully.

What do I do if the driver who hit my parked car says he does not have insurance, but I think he really does? In Illinois - I thought you could not get your state registration sticker if your insurance was not update to date and valid. But this guy hit my parked car, then says he'll work out payments because he does not have insurance. Is there a way to find out if he does or does not have insurance, and may just be trying to avoid filing a claim?

. im pretty sure all the ones i put ****** by. i couldnt find number 7, and 8. anyone please check over my answers. ill chose best answer... Used cars cost more to insure than new cars because they tend to break down. (1 point) * True ***** False********* 2. All of the following are reasons to LEASE a vehicle EXCEPT: (1 point) * you can manage your mileage * you take excellent care of your car interior and exterior * ******you expect to keep the vehicle for a long time****** * you prefer the reliability of new cars 3. All of the following are reasons to BUY a vehicle EXCEPT: (1 point) * you’re establishing your credit history * you travel a significant number of miles each year * you’re trying to build equity in your vehicle ******** you like to have a new car every couple years******* 4. It costs more money to finance a used vehicle. (1 point) * True ******** False******* 5. When you lease a car, who owns the vehicle? (1 point) * the leaser, or driver * the auto dealership * the financing company ********** the manufactuter***** 6. What factors should you consider when deciding to buy a new vs. used automobile? (1 point) * needed reliability * applicable warranties * rate of depreciation * safety features ************ all of the above********* 7. At least how long should you keep a new vehicle after you purchase it if you want to get the greatest return on your investment? (1 point) * 36 months/3 years * 24 months/2 years * 48 months/4 years * 60 months/5 years 8. By what percentage does a new car depreciate within the first three years after purchase? (1 point) * 75% * 25% * 50% * 45% 9. All of the following are factors that determine how quickly a car will depreciate EXCEPT? (1 point) * automobile mileage * availability of replacement parts ******* vehicle condition*********** * insurance coverage * existing warranties 10. When does the MOST depreciation occur on a new car? (1 point) * When it has it’s first accident * When it breaks down the first time * When its sold to a second owner * ***********When the car is driven off the dealership***********

so gay people cant marry because why? Legalizing gay marriage will open the door to all kinds of crazy behavior. People may even wish to marry their pets because a dog actually has legal standing and can sign a marriage contract..? like not being able to get married will actually stop us from being gay? Straight marriage will be less meaningful if gay marriage were allowed... because its okay for pople in vegas to get drunk and "accidently" get married, like britany spears 55 hour marriage? Straight marriages are valid because they produce children. Gay couples, infertile couples, and old people shouldn't be allowed to marry because our orphanages aren't full yet, and the world needs more children. kids out there are having kids. think of what kinda child that is going to be raised by a 15 year old? of course Children can never succeed without a male and a female role model at home. That's why we as a society expressly forbid single parents to raise children? Married gay people will encourage others to be gay, in a way that unmarried gay people do not.? Gay marriage would allow more partners and children to sign onto the family breadwinner's healthcare plan. Given that 44 million Americans do not have health insurance, it is safe to say that health insurance is not an American value. Children of married gay couples might suffer bullying and teasing more often than children of unmarried gay couples, because playground bullies are sensitive to the nuances of contract law. God created the institution of marriage, just after he created 2.9% APR automobile financing, student loans, HMOs, and divorce. Allowing same-sex marriage could increase gay public displays of affection, because marriage has historically been proven to stimulate couples' interest in sex. Gay marriage is wrong because children might be led to think that it is right and that would clearly be wrong... right? It is reasonable and fair to institute "civil unions" that provide all the rights and responsibilities of marriage, but we cannot apply the holy, mystical word "marriage" to this contract. Deriving from the Latin maritare, "marriage" evokes the dignity of the typical Roman man who engaged in licentious sex with both sexes until he reached middle age, at which time he maritared a teenage girl to bear his children. why should people worry about people that are gay. if we get married how are you to know? we would walk around in public holding hands, like we always would do. you dont follow uus home and see what happens in our bedrooms. you could just as easy ignore us if we were married or not. the whole point of this is to let people know. im 20 years old iv known im gay since before i was 10. i am in love with the most amazing girl in the entire world. she is my life and it saddens me to know that in bout 5 years i cant get married we have to have a civil union, which is the same thing. but its totally different. we cant have kids cause the social worker has to come look at our house and how we live to see if were fit parents and when she sees were gay its a big fat NO automaticly i believe in god. and praise him. i cant help who i am. im not attracted to guys. never have been. and i never will be. and if you deny me the right to marry do you think thats going to change my mind about bein gay? if people out there are actually sayin " hey lets deny gays the right to marry and maybe they will change there minds about obeying the bible." NO its not. and the faster everyone learns that gays are not going to give up the faster everyone can eccept something thats not in your little pictre perfect little world. does everyone just throw out the options that are something your not.. "use" to? i cant even explain how i feel but i did a ok job trying. my wish to god himself.. i want everyone to be understanding to everyones feelings and not everyone thinks the same or acts the same so why should we have to follow the same rules as everyone else? why should i date a guy because people tell me "its what all the girls have been doing for decades"? if im sexually attracted to a girl damn it imma date a girl! well i hope you read this and not post stupid shit i put my whole heart into this so just read and understand what im trying to say. thank you for taking time out to read this and understand. god bless you all! but if its a sin... when you go before heaven after you die dont you get the chance to like say your sorry? cause like everyone says. god loves you and will always forgive you.. right? im not sure what its called.

Trial begins for illegal alien accused of killing Colorado toddler and two others February 8, 10:53 PM Francis Hernandez Illegal alien Francis Hernandez is on trial this week in Arapahoe County District Court for an automobile crash that resulted in the deaths of three people, including a 3-year-old boy. Francis Hernandez, faces a total of 19 charges, including vehicular homicide, leaving the scene of an accident involving death, and child abuse resulting in death. On September 10, 2008, the parents of 3-year-old Marten Kudlis buried their son at Fairmount Cemetery, a few days earlier, he was killed while waiting for his ice cream in an Aurora Baskin and Robbins. An SUV speeding through the intersection of Havana and Mississippi, with Guatemalan national Francis Hernandez at the wheel, slammed into a pickup truck, which was then pushed into the ice cream shop´s window. The toddler was sitting at a table in front of that window, and was sent flying as the truck came crashing through it. Police say that Hernandez was traveling at a speed of at least 70 mph. After the crash, police say Hernandez jumped from his Chevy Suburban and fled the scene. He was later apprehended without incident. Marten was taken to the hospital, but died a short time later due to massive internal injuries. The two women in the pickup truck struck by Hernandez were Patricia Guntharp, 49, and Debra Serecky, 51. They were both pronounced dead at the scene. KMGH of Denver covered the child´s funeral and reported that the first song heard during the service was Eric Clapton´s "Tears in Heaven." In a heart wrenching display of grief and anger, Marten´s mother Marat Kudlis shouted: “That bastard!,” referring to the illegal alien believed responsible for killing her son. Between the tears, Marten´s father cried out: “I really loved him.” The rabbi conducting the service told the heartbroken family and friends: “This burden feels like more than we can bear because it is so sudden. It´s a parent´s worst nightmare. It does not seem fair and it is not fair to lose someone so young.” A teddy bear was placed in the tiny open casket which held Marten´s body. Following the funeral, many of the mourners returned to the crash site, which became a makeshift memorial, filled with flowers, stuffed animals, and cards with expressions of sympathy and support for the Kudlis family. One of those mourners, Duane Stokes, told a KMGH reporter: “I helped pull Marten out of the building. I was right there with him. He squeezed my hand. I held his hand until he passed on. My fiance and I were just saying a prayer to Marten and just getting one last glimpse of everything around here. Just to say goodbye to him.” Marten´s death hit the community hard and his funeral was attended by many people who had never even met him, but were saddened and angered by his senseless death. Hernandez who has 12 aliases and two dates of birth, has been arrested an astonishing 19 times since 2003. The Colorado Bureau of Investigation has also, confirmed that Hernandez has been arrested by nine different police departments. Despite his lengthy arrest record and illegal status in this country, Hernandez has never been deported, nor have deportation proceedings ever been started against him. The police report shows that after Hernandez ran from the scene, he phoned his girlfriend, Brenda Aleman, asking her to come pick him up at a local Hooter´s restaurant. The report reads: “(He) stated after the accident he was scared and fled the scene, he was afraid he would be taken to jail because he had no insurance, no driver's license and that would prevent him from seeing his kids.” Hernandez and Aleman have two small children. It should be noted that the Congressional Research Service has classified both Aurora and nearby Denver, CO, as a “sanctuary cities.” The term refers to a policy taken by cities which refuse to inquire into an arrestee´s immigration status, or a refusal to inform federal authorities when a suspect in custody is believed to be or known to be an illegal alien. Shortly after little Marten‘s death, retired Congressman (R-CO) and former presidential candidate Tom Tancredo said that Denver Mayor John Hickenlooper, as well as Colorado Gov. Bill Ritter "have blood on their hands." While both Hickenlooper and Ritter have long been criticized for their opposition to enforcement of our immigration laws, Gov. Ritter tried to deflect any attention from his office onto the federal government and called Tancredo´s comments “out of bounds.” In response, Tancredo issued the following statement: “While it might be politically expedient to blame Washington for what happened this week or to characterize my criticism of him as ´out of bounds,´ the fact remains that Gov. Ritter is in charge of enforcing and keeping Coloradans safe. It´s time for Gov. Ritter to take concrete steps to ensure that illegal aliens like Francis Hernandez, who had been apprehended by p It´s time for Gov. Ri

I visited Mumbai recently and agree with the observations about driving. For the benefit of every Tom, Dick and Harry visiting India and daring to drive on Indian roads, I am offering a few hints for survival. They are applicable to every place in India except Bihar, where life outside a vehicle is only marginally safer. Indian road rules broadly operate within the domain of karma where you do your best and leave the results to your insurance company. The hints are as follows: Do we drive on the left or right of the road? The answer is "both". Basically you start on the left of the road, unless it is occupied. In that case, go to the right, unless that is also occupied. Then proceed by occupying the next available gap, as in chess. 1. Just trust your instincts, ascertain the direction, and proceed. Adherence to road rules leads to much misery and occasional fatality. 2. Most drivers don't drive, but just aim their vehicles in the intended direction. Don't you get discouraged or underestimate yourself. Except for a belief in reincarnation, the other drivers are not in any better position. 3. Don't stop at pedestrian crossings just because some fool wants to cross the road. You may do so only if you enjoy being bumped in the back. Pedestrians have been strictly instructed to cross only when traffic is moving slowly or has come to a dead stop because some minister is in town. Still some idiot may try to wade across, but then, let us not talk ill of the dead. 4. Blowing your horn is not a sign of protest as in some countries. We horn to express joy, resentment, frustration, romance and bare lust (two brisk blasts) or just to mobilize a dozing cow in the middle of the bazaar. 5. Keep informative books in the glove compartment. You may read them during traffic jams, while awaiting the chief minister's motorcade, or waiting for the rain waters to recede when over-ground traffic meets underground drainage. 6. Night driving on Indian roads can be an exhilarating experience (for those with the mental makeup of Genghis Khan). In a way, it is like playing Russian roulette, because you do not know who amongst the drivers is loaded. What looks like premature dawn on the horizon turns out to be a truck attempting a speed record. On encountering it, just pull partly into the field adjoining the road until the phenomenon passes. Our roads do not have shoulders, but occasional boulders. Do not blink your lights expecting reciprocation. The only dim thing in the truck is the driver and the peg of illicit arrack he has had at the last stop; his total cerebral functions add up to little more than a naught. Truck drivers are the James Bonds of India and are licensed to kill. Often you may encounter a single powerful beam of light about six feet above the ground. This is not a super motorbike, but a truck approaching you with a single light on, usually the left one. It could be the right one, but never get too close to investigate. You may prove your point posthumously. Of course, all this occurs at night, on the trunk roads. During the daytime, trucks are more visible, except that the drivers will never show any signal. (And you must watch for the absent signals; they are a greater threat.) Only, you will often observe that the cleaner that sits next to the driver will project his hand and wave hysterically. This is definitely not to be construed as a signal for a left turn. The waving is just an expression of physical relief on a hot day. Occasionally you might see what looks like an UFO with blinking colored lights and weird sounds emanating from within. This is an illuminated bus, full of happy pilgrims singing bhajans. These pilgrim buses go at breakneck speed, seeking contact with the Almighty, often meeting with success. Unique to Indian traffic: Auto Rickshaw (Baby Taxi) The result of a collision between a rickshaw and an automobile, this three-wheeled vehicle works on an external combustion engine that runs on a mixture of kerosene oil and creosote. This triangular vehicle carries iron rods, gas cylinders or passengers three times its weight and dimension, at an unspecified fare. After careful geometric calculations, children are folded and packed into these auto rickshaws until some children in the periphery are not in contact with the vehicle at all. Then their school bags are pushed into the microscopic gaps all round so those minor collisions with other vehicles on the road cause no permanent damage. Of course, the peripheral children are charged half the fare and also learn Newton's laws of motion en route to school. Auto-rickshaw drivers follow the road rules depicted in the film Ben Hur and are licensed to irritate. Mopeds The moped looks like an oil tin on wheels and makes noise like an electric shaver. It runs 30 miles on a teaspoon of petrol and travels at break-bottom speed. As the sides of the road are too rough for a ride

When I do this, my debit balance and credit balance aren't equal, can someone help me out? Total of Debit column is suppose to be $62,700. a. Transferred cash from bank account to account to be used for business in exchange for capital stock, $30000. b. Purchased automobile for $19500, paying $4500 cash and giving a note payable for the remainder. c. Paid rent for office, $3000. d. Paid cash for supplies, $1450. e. Purchased equipment on account, $6000. f. Paid cash for insurance policies on automobile and equipment, $2000. g. Received cash from a client for plans delivered, $7500. g. Paid cash to creditors on account, $1750. i. Paid cash for misc. expenses, $500. j. Received invoice for blueprint service, due $1000. k. Recorded fee earned on plans delivered, $5200. l. Paid salary $1600. m. Paid cash for misc. expenses, $325. n. Paid installment due on note payable, $250. o. Paid gas, oil on automobile, $400.

I was in an automobile accident in late 2007. I was fully covered by my auto insurance and had excellent health care coverage through my work. My car insurance company said that they would take care of all of the medical expenses. I was under the impression that everything was correctly paid and I have since change auto insurance companies after finding a better rate. Fast forward a year, I apply for a loan for a new car. My credit union informs me that I have two collections on my credit report. It turns out that my old auto insurance company failed to pay for an X-ray and another minor medical bill, for a combined cost of about 400 dollars. Can I go back to my old auto insurance company to get the money to pay off these old medical bills? It's so frustrating knowing that I pay all of my bills on time and try so hard to keep good credit. Thanks for the help. My auto insurance company dealt with the hospital directly. I was never required to provide any medical bills what-so-ever. I know that my coverage wasn't exhausted. My overall bills totaled around $4,000, which was less than my medical limits. I never received any bills from the hospital, nor did anyone call me. If I had I would have just paid them to avoid any negative marks on my credit report. I did move roughly 7-8 months following the accident, but I did forward my mail through the post office.

How many more of our children will have to die before our border our laws are taken seriously by those sworn defend both? Illegal alien Francis Hernandez is on trial this week in Arapahoe County District Court for an automobile crash that resulted in the deaths of three people, including a 3-year-old boy. Francis Hernandez, faces a total of 19 charges, including vehicular homicide, leaving the scene of an accident involving death, and child abuse resulting in death. On September 10, 2008, the parents of 3-year-old Marten Kudlis buried their son at Fairmount Cemetery, a few days earlier, he was killed while waiting for his ice cream in an Aurora Baskin and Robbins. An SUV speeding through the intersection of Havana and Mississippi, with Guatemalan national Francis Hernandez at the wheel, slammed into a pickup truck, which was then pushed into the ice cream shop´s window. The toddler was sitting at a table in front of that window, and was sent flying as the truck came crashing through it. Police say that Hernandez was traveling at a speed of at least 70 mph. After the crash, police say Hernandez jumped from his Chevy Suburban and fled the scene. He was later apprehended without incident. Marten was taken to the hospital, but died a short time later due to massive internal injuries. The two women in the pickup truck struck by Hernandez were Patricia Guntharp, 49, and Debra Serecky, 51. They were both pronounced dead at the scene. KMGH of Denver covered the child´s funeral and reported that the first song heard during the service was Eric Clapton´s "Tears in Heaven." In a heart wrenching display of grief and anger, Marten´s mother Marat Kudlis shouted: “That bastard!,” referring to the illegal alien believed responsible for killing her son. Between the tears, Marten´s father cried out: “I really loved him.” The rabbi conducting the service told the heartbroken family and friends: “This burden feels like more than we can bear because it is so sudden. It´s a parent´s worst nightmare. It does not seem fair and it is not fair to lose someone so young.” A teddy bear was placed in the tiny open casket which held Marten´s body. Following the funeral, many of the mourners returned to the crash site, which became a makeshift memorial, filled with flowers, stuffed animals, and cards with expressions of sympathy and support for the Kudlis family. One of those mourners, Duane Stokes, told a KMGH reporter: “I helped pull Marten out of the building. I was right there with him. He squeezed my hand. I held his hand until he passed on. My fiance and I were just saying a prayer to Marten and just getting one last glimpse of everything around here. Just to say goodbye to him.” Marten´s death hit the community hard and his funeral was attended by many people who had never even met him, but were saddened and angered by his senseless death. Hernandez who has 12 aliases and two dates of birth, has been arrested an astonishing 19 times since 2003. The Colorado Bureau of Investigation has also, confirmed that Hernandez has been arrested by nine different police departments. Despite his lengthy arrest record and illegal status in this country, Hernandez has never been deported, nor have deportation proceedings ever been started against him. The police report shows that after Hernandez ran from the scene, he phoned his girlfriend, Brenda Aleman, asking her to come pick him up at a local Hooter´s restaurant. The report reads: “(He) stated after the accident he was scared and fled the scene, he was afraid he would be taken to jail because he had no insurance, no driver's license and that would prevent him from seeing his kids.” Hernandez and Aleman have two small children. It should be noted that the Congressional Research Service has classified both Aurora and nearby Denver, CO, as a “sanctuary cities.” The term refers to a policy taken by cities which refuse to inquire into an arrestee´s immigration status, or a refusal to inform federal authorities when a suspect in custody is believed to be or known to be an illegal alien. Shortly after little Marten‘s death, retired Congressman (R-CO) and former presidential candidate Tom Tancredo said that Denver Mayor John Hickenlooper, as well as Colorado Gov. Bill Ritter "have blood on their hands." While both Hickenlooper and Ritter have long been criticized for their opposition to enforcement of our immigration laws, Gov. Ritter tried to deflect any attention from his office onto the federal government and called Tancredo´s comments “out of bounds.” In response, Tancredo issued the following statement: “While it might be politically expedient to blame Washington for what happened this week or to characterize my criticism of him as ´out of bounds,´ the fact remains that Gov. Ritter is in charge of enforcing and keeping Coloradans safe. It´s time for Gov. Ritter to take concrete steps to ensure that illegal aliens like Fran why not ask the same question about the p

1. My trial date keeps getting pushed further and further due to DA's daughter being sick and DA being sick also. 2.Im an electrical engineering major, and can not miss any of my classses. Because if i miss any exams my final becomes worth more. Adn i can not afford that 3. Last year, this happen to me, and i failed a class, that was a pre-recruisite for me to take ENgineering Design.. Question: Can i ask for a motion to be filed for trial to be pushed in the summer, when the spring semester is over? Note: I am in District court in Massachusetts, going to court for Automobile insurance fraud. A vehicle that hit the car i was in was never in the accident, and there was no damage when the insurance went to view the other car.. The driver of the car i was in, has stated i told him to be part of this scheme and that i later crashed his car, TOTAL nonsense... His tories contradict and he is not a credible witness..... I sent him an email, i was pushed another year in electrical engineering. Due to that class, i failed, delayed me another whole year. Im taking same class only offered once a year, and feel like this is going to happen again. I have a clean record, and im 30yrs.

-I support tariffs on goods produced by US companies whose outsourced labor force exceeds 50%, to coerce in returning to the US. -Providing tax cuts and other incentives to US and international companies to settle or resettle in the US. -My ideal is to have US exports once again surpass imports. -Cutting all unnecessary, wasteful, and inefficient programs, and placing time caps on welfare and switching some welfare programs to workfare and jobs in the private sector. -I want 100% pure American energy. NO MORE FOREIGN ENERGY! I support coal, oil, nuclear, biofuels, wind, solar, geothermal...i want it done now, and immediately. No more waiting. -I support more government contracts with private american companies to develop new technologies and to work on large infrastructure projects. (example: working with verizon to work on universal wifi access for nominal fee to families)...or with car companies to develop new, more advanced fuel-efficient automobiles. -I oppose bailouts to any private company, especially when they are one-sided blank checks that dont work. -i support second amendment rights to own a firearm for protecting property and for sport but i also support background checks. -i support same sex marriage -i oppose federal funding for elective abortions, but I do not oppose abortions paid with a woman's private funds. -i oppose the wars in iraq and afghanistan but i support dramatically increased bombings with predator drones to disrupt terrorist networks and kill terrorist leaders. -i support the death penalty. -i support subsidized universal access to college education. If you get accepted in any school, you just need to worry about attending, you shouldn't be punished with loans for doing the right thing and working to be a productive citizen. -i support compulsory 3 month military training for all US Citizens, female or male, anytime before they turn 24. -A veteran contract for all members of the armed forces who serve more than 5 years which include lifetime health insurance, money to purchase a home, and lifetime decreased taxes. - I am very much against illegal immigration. I support dramatically increased raids, heavy financial penalties on any businesses that employs illegal aliens in the US, i support shortening the amount it takes to deport illegals, a large secure border that spans all the US/Mexico border, increased border patrol and technology, military presence/predator drones to combat narcotics/human trafficking networks. from what i've given you. which of the two parties would i fit best in? dont tell me independent or libertarian because that is not what i asked I support one large medicare that would provide coverage to every US citizen, permanent resident, and person with non expired visa.

(I started learning English when I was 8yrs old & I soon stopped speaking Italian. It's called adoption. I'm 28, so for twenty years I have spoken English, but wording like this just confuses me. I need somebody to summarize the following into simple English.) We have been retained by State Farm Mutual Automobile Insurance Company ("State Farm") to attempt recovery of payments made by State Farm from the party or parties responsible for your loss. State Farm has also instructed us to include your deductible in the amount we attempt to recover from the responsible party. You may have incurred other expenses, in addition to your deductible, which were not covered under your policy with State Farm. Unfortunately, our law firm cannot represent you for any expenses other than your deductible. If you have incurred additional expenses and wish to obtain your own attorney to attempt recovery of those expenses, you should do so immediately and have your attorney contact us. If our law firm files a lawsuit against the party or parties responsible for your loss (to recover payments made by State Farm), and if a final judgment is entered in that cause, that judgment may bar your right to recover any monies which you claim are owed to you from that party. Please keep in mind that your policy gives State Farm the right to pursue collection of their payments, in your name, from any party responsible for your loss.You should not sign any releases nor accept any payment from any other party or insurance company without calling us first. These actions could jeopardize State Farm's chance of recovery. If you are contacted by anyone other than an adjustor for State Farm or an employee for this law firm, please obtain their name and the name of their employer and contact our office immediately. It is also possible that the claims we present will be negotiated and settled with the other party. This settlement may be for less than 100% of the claim and your deductible. Any monies collected in settlement or payment of a judgment against a party at fault will be transmitted to State Farm. They will then account to you for any monies you may be entitled to receive as a result of our processing the claim for your deductible. The time needed for recovery varies with each claim. Sometimes the process will not require any assistance on your part. Therefore, it is not necessary for you to contact this office unless you have obtained (or plan to obtain) an attorney to pursue collection of additional expenses which were not covered under your insurance policy with State Farm. However, we may contact you if your assistance is needed during the litigation process such as in responding to discovery questions submitted by the other party's counsel, giving a deposition, or appearing and testifying at trial. Therefore, in the event that you have a change in address and/or telephone number, please notify our office so that we may be able to contact you. (summarize in simple English please, I do not understand legal terminology yet)

insurance companies help with their balancing policies to prevent business foreclosures by allowing a new program that would be designed to help people with automobile assistance with payments that would help people with a monthly or so payment with their auto insurance until they can find work or get back on their feet temporally so that this would help the American people and the banks from fore closing etc.??????????????

Someone borrows a car and damages the neighbor's fence. Who is liable for the damages?

Hello, I am curious as to how my auto insurance policy would cover body damage to my car. I have comprehensive/collision coverage, as it is only a few years old and still owed by the bank. I accidentally ran into the side of my garage, and the front right side and bumper have scratches/dents in it. The nearest body shop quotes average in the 1800 dollar range for repairs, which I don't have. Can I have my insurance cover this, with a 500 dollar deductible, and if so, will it affect my insurance rates? My insurer is California State Automobile Association. Thanks.

Hello Folks: Why are people so occupied with issues concerning race, background, ethnicity, color and even sometimes gender so much? I mean in so many places, such as where I live, you almost can't do anything without having to mention what your race and/or sex is. You have to indicate what race you are when applying for a job. You have to indicate what race you are when applying for a house or automobile loan. Vehicle insurance companies want to know what your race is when you are applying for coverage. (Keep in mind that the lending banks and insurance companies charge different rates in part depending on what your race is. Isn't that discrimination?) I can give you some other examples. When I told my family that I had joined a book club, my sister asked me if my fellow club members were White or Black. After a woman at my job asked me if I had a girlfriend/wife and then tried to snag me, (Keep in mind that I don't date coworkers. It causes too many problems.) she then asked me if my online "girlfriend" that I already have was White or Black. Some other people have asked me similar questions, about whether she was dark-skinned or light-skinned. After my sister gave birth to her son, some of the doctors and nurses said that he resembled an Asian and asked what ethnicity her husband belonged to. Even one of her longtime friends PUBLICLY commented on him being slightly darker than her son when he was just born. I just want to know why are we so racially/color conscious. Does it really matter that much on what a person's background is? Do you believe that you are one of "God's Chosen People" and that other groups of people are to be damned and Hell and should therefore be kept from associating with your kind? I'm asking any of you - White, Black, Oriental, Hispanic, Arab, Indian, etc. What do you think? I admit that I am not perfect myself, but man, so many people ACTUALLY live by racial and gender identification and stereotypes far more than I do. For one thing, if someone can do a job real well, then that's all that should matter. I believe that on the inside, we as Human beings all belong to the same species, and that a large percentage believe that we all come from Adam and Eve, the First Two Parents. Do you agree or disagree with this? Do you think that America should continue its long history of division or are you cool with people of different backgrounds as long as their character holds merit? Tell me your opinion. Thank you. Web_Jock

Special Interest Groups, Lobbyist, Banks. Insurance Companies, Hospitals Doctors, Nurses, Pharmacy Companies, Retired Americans, Americans on Medicare, Automobile dealerships under GM and Chrysler, 59% of the American voting public. Moderate Democrats. Republicans, Independents, Over 7 million unemployed. Wait a minute. this guy has some serious problems. All of these people either have been screwed by Obama or are fixing to be. Damn these people actually have motive. And Bush thought he had it bad. Poor Bob P. Give me a link I can't think. Bob its all over Yahoo news and every media point in the country. Good luck. This venue does not come with a coloring book or set of crayons.

My girlfriend was just involved in an automobile accident near Cleveland on her way home from work. She informed me via cell that she doesn't have insurance. So, I've been on the phone with everybody trying to get her insurance this morning and just got it. What is going to happen to her? From how I understand it Ohio is screwie with the No Insurance laws here and can suspend your license. Help.

Are the "rightful owners" of this nation the international bankers, global insurance ceo's, automobile manufacturing titans, national union bosses, federal mortgage crooks and corrupt political cronies that 0bama gave trillions of dollars of this nation's wealth? Has 0bama's only accomplishment been in making the rich...rich again?

I was in a car accident today. The guy who hit me was driving his girlfriends car. Tthe car appears to be insured by the owner ( his girlfriend) but I'm not sure he has any insurance. Actually, I'm not even sure he had a license because he didn't give me his license #. I did manage to get everything else though.

So about a month ago i was in a car crash, it was a snowy night and it was dark and late. Me my brother, uncle, and his dog were out for a drive. Until we came around a turn and lost control and hit a calvert. We have totaled my uncles Toyota 4runner SR5 and my uncle broke his ankle, my brother and his dog were fine, and i broke my femur, i now have a steel rod from my hip to my knee, and there are 2 screws in my knee, and a spike in my hip to hold the rod in place. During this time i was unaware that my uncle did not have insurance i can now not collect anything, i am out of work and don't have any source of money coming in, and i can not file for unemployment because i am still considered a student, and i do not want to sew my uncle because he is my family, so this question is asking if there is any way i can get any source of money without sewing my uncle...? i have hurd about this, unsaticfied judgement fund, i couldnt find much information about it but my grandfather claims i could get money threw that

we were told that we could view the automobile being repaired on line.

My wife was in a car accident last week and totaled her car. The other driver was cited and my wife was injured. My wife went to a scheduled appointment with our family doctor ( which was recommended by the ER ). Our doctor refused to see my wife after she was taken in to see this doctor. The doctor wrote at the top of the paper THIS PATIENT IS NOT GOING TO BE SEEN HERE after my wife sat in her office for over an hour. I thought doctors took an oath to treat the sick and the injured ?? I'm at a loss for words, I can't believe that my wife was turned away and she is in pain ! Can anyone find any laws on this and post them so that I may be able to look into this ? The accident happened in West Virginia ! * Note : The other drivers insurance company is NOT disputing this claim, in fact, the insurance company admitted their client was at fault and also admitted their client admitted fault. The police report shows the other driver was in fact, at fault. Thanks for your answer.

A report released today by the UK Government's Sustainable Development Commission calls for around-the-clock monitoring of driver's speed to force them to slow down and help cut down their emissions of Co2 in the battle against global warming. It calls for taking control of the car's speed away from the driver and having it controlled by the government via satellite. Is that alright with you? The report said: [quote] ----------------------------------------------------------- ""The UK Sustainable Development Commission yesterday released a report recommending the use of average speed cameras for round-the-clock tracking of motorist journeys nationwide. The government advisory body said that widespread deployment of average speed cameras was required to reduce the emission of carbon dioxide by automobiles, a factor that some believe is linked to global changes in temperature. The report made a number of recommendations affecting the driving public. "The business models associated with private motoring are not aligned with sustainability," the report explained The report also called for a "clear timetable" for the introduction of Intelligent Speed Adaptation technology that would use global positioning satellites to take away control of vehicle speed from the driver, making it impossible for a car to exceed the limit on a given road. The same information communications technology (ICT) infrastructure could be used for congestion pricing, tolling of every journey and charging for insurance by the number of miles driven. The commission explained that such systems would require a substantial and ongoing financial investment."" --------------------------------------------------------------- It also said that such a system could be a big step towards road-pricing where every journey would be taxed appropriately. Of course, this is just the UK, but once the technology is in place and shown to work, no doubt there will be calls by international bodies to roll it out worldwide to help fight global warming. http://www.thenewspaper.com/news/30/3031.asp The full report is available here: http://www.sd-commission.org.uk/ EDIT - @ Vampire Muffin Man. Well said. For commercial vehicles it many be worth looking at as an industry standard. But not private vehicles, that as you say is fascistic.

. Under the National Traffic and Motor Vehicle Safety Act, automakers must A. provide for vehicle registration. B. build certain safety features into their vehicles. C. provide low-cost automobile insurance. D .offer a choice of models to customers.

1. Driving with your headlights on during daylight hours (1 point) increases your chances of being seen. increases engine efficiency. allows you to pass in a no-passing zone. enhances your ability to see. 2. Operating costs for your vehicle include (1 point) hazardous wastes. the purchase price of your car. insurance and registration of your car. money you spend on gas, oil, and tires. 3. Under the National Traffic and Motor Vehicle Safety Act, automakers must (1 point) provide for vehicle registration. build certain safety features into their vehicles. provide low-cost automobile insurance. offer a choice of s to customers. 4. The risk of being involved in a crash (1 point) does not pertain to good drivers. depends on the confidence of the driver. is always present. is only present in poor weather conditions. 5. The yearly total cost of motor-vehicle crashes in the U.S. has been estimated at (1 point) $230,000. $2.3 million. $230 million. $230 billion. 6. Driver education can provide you with (1 point) the guarantee of becoming a good driver. knowledge of the rules of the road. discounts on vehicle purchases. automobile insurance. 7. The goal of the __________________ is to enable people and goods to move safely and efficiently. (1 point) American Automobile Association HTS National Highway Association AFL-CIO 8. When you drive, reduced ___________________ means increased risk. (1 point) visibility fitness insurance traffic 9. The more miles you drive a vehicle, the smaller the ______________________ costs are per mile. (1 point) environmental operating fixed collision 10. In order to drive, you need to understand the basic _____________________ about a vehicle. (1 point) cost-benefit ratio optional equipment packages rules facts

23. The type of loan a bank gives a homeowner to purchase a house is called a what? (1 point) * secured loan * mortgage loan * refinance * jumbo loan 24. When you earn more than you spend, you’re considered to have a financial what? (1 point) * deficit * shortfall * surplus * excess 25. Which of the following is considered a luxury? (1 point) * Personal Mortgage Insurance * Utilities * Starbucks™ Coffee * Appliances 26. If you have to borrow/charge expenses on your credit cards each month you’re considered to be what? (1 point) * “Living with your means” * “Living below your means” * “Living above your means” * “Living at your means” 27. What type of debt charges the highest interest rate? (1 point) * automobile debt * lease debt * secured debt * unsecured debt 28. Which is NOT one of the credit reporting agencies? (1 point) * Experian * TransUnion * Equifax * TransMeridian 29. A very low credit score usually means you will get what? (1 point) * declined for loans * low interest rates * low finance charges * high available balances 30. Credit that is applied for once, and then is available until the consumer defaults or closes the account is called what type of credit? (1 point) * revolving credit * charge credit * income credit * department credit 31. What is NOT considered when calculating a credit score? (1 point) * personal income * payment history * credit history * length of credit history 32. When two sellers trade items without exchanging currency it’s called what? (1 point) * negotiating * bartering * financing * economics 33. What was the earliest form of currency called? (Hint: China around 1200 B.C.) (1 point) * leather cards * sea shells * cowry shells * wooden coins 34. The first international form of currency policy to control inflation was called the what? (1 point) * World Trade Organization * North American Free Trade Agreement * Gold Standard * European Trade Standard

35. If a computer is on sale for $1,099.10 and there is an additional 15% off at the register, what will the total cost be? (1 point) * $934.24 * $1,263.96 * $974.88 * $988.45 36. The abbreviation FICO stands for what? (1 point) * Fraud-Index Corporation * Fair-Index Corporation * Fair-Issac Corporation * Fraud-Issac Corporation 37. When someone leases a car, who owns the title to the automobile? (1 point) * the automobile manufacturer * the financing bank * the automobile dealership * the driver 38. What part of a personal budget should be the largest expense? (1 point) * spending money * savings * housing * insurance 39. When a company hires an employee, what does the company expect from the employee? (1 point) * expenses * productivity * purchasing power * income 40. The amount of products or services that someone can buy with the amount of money they have is called what? (1 point) * personal purchasing power * purchasing power parity * consumer price index * value power 41. Banks make money by charging borrowers what? (1 point) * late payment fees * interest rates * financing charges * all of the above 42. The money you pay to keep an insurance policy in effect is called a what? (1 point) * deductible * co-pay * premium * expense 43. The money you borrow from a bank or any other lender is called what? (1 point) * principal * investment * interest * equity

My wife was in a car accident on Friday. A car tee boned her in the side, totalling her vehicle. She was injured somewhat, but didn't have life threatening injuries. She was looking through her insurance information and realized that her insurance had expired. Her car is a total loss and the woman that hit her got a citation. The woman that hit my wifes car was ok and she did show a current updated insurance card. My wife wasn't cited for no insurance or anything. What will happen in this predicament ? Will the other insurance company pay for my wifes vehicle ? Will the other womans insurance pay for the ER visit ? I have never been in this position before and I'm at a loss for words to be honest. I wouldn't be asking this question, had my wife of had a current insurance policy. I told my wife that she may be out of a car and the insurance COULD ( in all possibility ) deny her claim and NOT pay for ANY damages...but I'm not certain about it. The woman admitted fault to the police officer who arrived on the scene. * Note : I am honestly embarrassed to be in a situation like this and I can't believe that it happened the way it did, so please keep that in mind when answering this question. Can you also provide facts based on your answer. Thanks and have a good day.