Posts tagged with "premium"

Once I buy the policy, will I ever need to change my vehicle insurance coverage?

Auto insurance policies are extremely important and even mandatory to drive a vehicle legally. The rate of road accidents is on the rise, and so is the price people have to pay for medical treatments and repairs that follow after a car accident. All you need as a driver is a fuel-efficient car (for the rising gas prices), and brilliant car insurance coverage that comes at a low cost and offers great coverage.

But there comes a time when having the same auto insurance policy can lead you to lose money. A question that often gets asked is if you’ll ever need to change your vehicle insurance coverage. This article will answer this question in detail, letting you know when is the right time to switch auto insurance policies and when to avoid changing insurance policies. 

When to Change Auto Insurance Policies

Finding the perfect auto insurance policy or company that suits your needs the best is one of the best things that can happen to your commuting expenditure. Saving money while being secure is truly a blessing. But there are times when you might have to change your auto insurance policies because staying with the same company might not be as beneficial for you as it used to be.

Here are some of the instances when you should consider buying auto insurance policies from a different company or switching to a different policy. 

Better Rates, Better Coverage

One of the most compelling reasons why you chose an auto insurance company is because they offer great coverage at a great price. That is until some other company offers something better, and you should always look out for the best for yourself. 

So when your policy period is about to expire and the time to renew the policy is close, just do a quick search and find the best car insurance policies that offer better coverage at an even better price. With time your auto insurance needs to change, so you need to change your auto insurance policies accordingly. 

The great thing about the internet is that you can find great insurance companies online with your computer or your smartphone. Just do a specific search and compare multiple policies and companies. Choosing the best car insurance policy has never been easier. 

For example, if you live in Georgia, look for affordable auto insurance quotes in Georgia online, and get all the relevant information about the different policies and plans. Select the one that suits your needs the best, as when it comes to auto insurance policies, price and coverage are both of equal importance. 

Pay-Per-Mile Coverage

The changing world after the pandemic has shown people that you need not travel 20 miles every day to work. Work can be done from anywhere, even in your home with equal efficiency. This has led to many companies adopting hybrid work schedules wherein people go to the offices for a few days and work from home for the rest of the week. 

This leads to reduced use of your car, and reduced use brings down the mileage of the car. If your car usage has reduced due to something similar, why not switch to pay-per-mile car insurance? This policy could help you save hundreds of dollars in insurance expenditure. 

Pay-per-mile insurance takes a base rate which is calculated by looking at your driving record, insurance claims, and other factors. This base rate is then multiplied by your monthly mileage to calculate the rate of your insurance. The less you drive, the less you pay while having the security of auto insurance. 

Buy pay-per-mile car insurance only if your mileage is low and you don’t drive more than 800 miles a year. If you drive more than 800 miles a year, stick to general car insurance. 

Accidents and Insurance Claims

Road accidents and insurance claims will increase your auto insurance rates when you renew the policy unless you have bought an accident forgiveness add-on. So if you’ve recently had a car accident, or gotten a speeding ticket, be ready to pay more when you renew your auto insurance. Or avoid paying more by switching companies. 

Every auto insurance company will charge you extra if you have had an accident or any traffic violations. But you can still save money by choosing the auto insurance company that charges the least for the specific violation. For example, some companies only increase the rates by 20% for speeding tickets, while others increase them by 45%. 

When Not to Change 

Changing auto insurance companies or policies might not be a great idea all the time. There are some cases when you should stick with your auto insurance company to get the most benefits and save money. Here are those instances. 

No Claims Bonuses

If you have not made any auto insurance claim during your policy period, there’s a good chance that you’ll get no-claim bonuses. As the name suggests, if you do not make any claims, you get some discounts on the policy renewal price. It can range anywhere from 20% to as high as 50% (for not making claims in 2 or 3 consecutive years). 

The terms and conditions of no-claim bonuses vary, so make sure you contact your car insurance company and know everything about it. It is better to collect no-claim bonuses and stick with the same company.

Multiple Car Insurance Policies

If you have bought car insurance policies for multiple cars from the same company, it is better to stick with the same company as switching can make you lose some great discounts and other benefits.

Minimal Price Difference

Switching auto insurance companies might be very tempting if you see a big price difference. But it’s not worth it if the price difference is minimal. If you see some other car insurance company offering the same policy at maybe $100-$150 cheaper, don’t get into the hassle of switching policies. Stick with your current insurer.

Car Illustration via 360 MAGAZINE

What You Should Know Before Canceling Your Car Insurance

Many factors could prompt you to cancel your existing car insurance.

Probably, you got a better offer from a new insurance company. Or you may be moving to a new state. You may have planned to sell your car and don’t see any reason to carry on with the policy.

Whatever the reason for choosing to cancel your insurance, you should keep a few things in mind. 

When You Want A New Insurance Company

So you came across an advertisement for the cheapest car insurance in Nevada. The offer is irresistible and you think you’re all done with your current policy. 

You may now be wondering what to do next.

First things first. Assess the position of your coverage period.

If there’s still a lot of time for the insurance term, the insurance company may charge you for canceling so soon.

Wait until your policy is closer to expiry, only then apply for the new insurance. Also, arrange for the new insurance to be effective before the term for your existing insurance ends. This way, you’ll have peace of mind with continued insurance coverage.

When You’re Selling The Car

If you’re selling your car, you’d find it wasteful to carry on with its insurance. 

You should cancel insurance only after the sale of your car is legally complete. 

This means the title of the car has been transferred to the new owner and you have deposited the number plates to the Department of Motor Vehicles (DMV).

If you’re planning to buy a new car, your insurance company might suggest non-owner car insurance for you. 

With non-owner car insurance, you won’t have to cancel insurance in the first place and your new car will be covered automatically.

Informing Your Insurance Provider

In the rush of things, don’t forget to inform your current provider about your decision to cancel.

Getting another auto insurance doesn’t mean that the previous one revokes automatically. If you don’t let the insurance company know, they may assume you’re continuing with the policy.

In that case, the insurance company will cancel your policy for the reasons of failure to pay or failure to renew. The effect will be the same as canceling, except that you’ll be liable to pay heavy penalties.

You’ll get a notice for non-payment. You’ll have to give a formal reply and pay the penalty. 

All this and a lot more hassle could follow. Worst case scenario, your policy won’t be canceled at all, and your bank account will be billed continually!

Requesting The Cancellation

You should make a cancellation request, either through mail or over a phone call. 

You could also visit the insurance agency and discuss your options with the executives personally. They could guide you on how to go about the process while paying minimum amount as cancelation fee.

Check if your new provider will assist you with the cancelation process. Many companies offer this as an add-on service to their new clients. 

In this situation, you’ll just need to hand over the documents and information to their agent. The agent will complete all the formalities on your behalf.

Key Takeaways

Canceling your auto insurance isn’t a big deal if you’re careful about the following: 

  • You should cancel your insurance only once the new one is sorted. 
  • Don’t cancel your policy early in the insurance term, you’ll have to pay heavy penalties.
  • You may have to pay some charges even if you cancel during the grace period. So it’s a good idea to discuss the costs and your options with the insurance provider.
  • Your insurance provider should be formally informed about your final decision to cancel.
  • Check with your new insurance provider if they can offer any assistance with cancelation.
  • Always make sure your vehicle has continued insurance coverage.
Employee and employer strife HR guide via 360 MAGAZINE

Five Terrible Mistakes That Can Hurt Your Personal Injury Claim

Personal injury claims can be extremely complex. It is crucial to make sure that you avoid making any mistakes that could negatively impact your case.

This post will discuss five of the most common and potentially damaging errors that people typically make when pursuing a personal injury claim.

  1. Failure to Seek Treatment Right Away After an Injury

One of the most common mistakes people make after sustaining an injury is failing to seek medical treatment.

Even if the extent of the injury is not immediately apparent, it is essential to get checked out by a doctor. Delayed treatment can worsen the condition and make it more difficult to prove that an accident caused the injury.

In addition, insurance companies often view delayed treatment as an indication that the injury was not severe enough to warrant immediate medical attention. As a result, failing to seek timely medical treatment can significantly impact the outcome of a personal injury claim.

If you have been injured in an accident, it is essential to consult with an experienced personal injury attorney. Wieand law firm Philadelphia has a team of knowledgeable and professional personal injury lawyers who can help you obtain the compensation you deserve.

  1. Being Dishonest About Your Injuries

Being dishonest about your injuries in a personal injury claim can be a terrible mistake that can seriously jeopardize your case.

Lying undermines your entire claim’s credibility, but it can also open you up to serious legal consequences if you are caught.

There are many situations in which dishonest behavior may seem tempting or even justified, such as when you face mounting medical bills or an insurance company offering a low settlement. However, it is critical to remember that dishonesty will rarely pay off in the long run.

Instead of trying to hide or exaggerate your injuries, it is essential to be upfront and honest with your personal injury lawyer and all parties involved in your claim.

  1. Failing to Keep Records

When pursuing a personal injury claim, it is crucial to keep detailed records of everything related to the incident. This includes documentation of injuries and expenses and records of all communications with the insurance company or legal representatives.

Failing to document your case correctly can lead to a range of problems down the road, including the risk of having your claim denied or losing out on compensation.

Additionally, poorly kept records can make your efforts to recover more challenging and time-consuming.

  1. Not Purchasing an Adequate UM/UIM and PIP Insurance Coverage

Unfortunately, many people fail to purchase adequate medical expenses and property damage coverage. This puts their injury claims at risk. 

For example, you might be involved in an accident and only have the minimum amount of UM/UIM and PIP insurance coverage. The insurance will not cover any excess medical bills or damages to your vehicle. 

Additionally, suppose a judge feels that your failure to purchase enough insurance was unreasonable or reckless. In that case, they may be more inclined to award less compensation or even throw out your claim altogether.

  1. Failure to Call the Police

Many people fail to call the police after a car accident. This can have severe consequences for your personal injury claim, as doing so can provide strong evidence about what happened during the accident and who is at fault. 

Jurors typically rely heavily on the police report filed after an accident, and being able to produce this report can significantly strengthen your case. Moreover, having a police officer testify as an expert witness can be crucial in establishing liability.

Personal injury claims can be complex and frustrating. If you’re considering filing a personal injury claim, avoid these five mistakes. Doing so could help increase your chances of receiving the compensation you deserve for your injuries.

Basics for Young People to Know About Health Insurance

Health insurance is essential in case you ever need medical attention. It prevents you from paying for expensive services, such as hospitalization and surgery. Many people are provided coverage through their work or others by the government. However, understanding how this system works can be confusing for younger adults. So, here are a few basics you should know. 

1. How to Get Coverage 

The first step in understanding health insurance is knowing where to look. There are multiple ways you can receive coverage. If you’re under 26 years old, you can be on your parent’s plan, even if you’re married or not living with them. This can help you to receive coverage while you’re still getting settled. Suppose you’re attending school or still looking for a full-time job. You might not currently have employee benefits. 

Here are a few more plans to consider:

  • COBRA. COBRA is a short-term plan to prevent people from suddenly losing their coverage. It allows them to continue buying their current health plan for a limited time. 
  • Short-term policy. Some companies temporarily cover students between college and their first job. These plans are usually pretty basic and cost-effective.
  • Employer coverage: This is the most common and affordable option. Some offer coverage from the start and others need you to work for a certain amount of time.
  • Individual policy. Buying personal health insurance can be a more expensive option. You may pay more if you’re considered a higher-risk individual, such as being a smoker. 
  • The Health Insurance Marketplace. This option helps people choose the best insurance plan if they need to buy it independently. It’s also sometimes called a Health Insurance Exchange.

2. Mental Health Services Aren’t Always Well Covered 

Mental health conditions are a rising concern, especially after the pandemic. In 2008, the Mental Health Parity and Addiction Equity Act encouraged mental health benefits to be at the same level as physical ones. However, many plans still don’t provide adequate coverage. 

Often there aren’t enough in-network providers, leading to longer wait times and farther commutes. Another issue is there are restrictive standards that limit coverage. For example, some companies focus on treating acute symptoms rather than underlying ones. This makes it harder for people with a long-term mental illness to qualify. 

However, Biden addressed these concerns in a speech on March 1st, 2022. He proposed all health care plans cover mental health services with adequate network providers, including three behavioral health visits a year with no cost-sharing. 

3. How to Pay For Your Plan

After you’ve done your basic research, you want to understand finances. Figuring out how to pay for the policy is critical. The amount you pay depends on your specific plan. In fact, in 2020, annual premiums cost around $21,342 for a family of four. You pay a fixed rate each month for many programs, called a premium. You might also pay whenever you receive medical care or get a prescription refill. 

These payments include the following:

  • Deductible: A deductible is what you pay at the beginning of the year before the provider starts covering services. 
  • Copay: This is a set fee you pay after visiting a doctor or other medical services. 
  • Coinsurance: It’s the percentage you pay for specific covered services. 
  • Out-of-pocket maximum: This is the highest amount you have to pay within a given period for all covered services. 

4. How to Find the Right Individual Policy

If you can’t get insurance from an employer or a state-funded program, you must buy your own. When shopping, consider the cost of premiums and deductibles and the outside services. For example, can you visit any doctor or healthcare facility? Some plans may have lower premiums but fewer health care providers to choose from. Also, if you’re hoping to save money, look for a plan with a higher deductible you can use with a health savings account. 

These plans also have levels of coverage, including gold, silver, bronze or catastrophic. 

They vary in premium and out-of-pocket costs. So, if you have a medical condition and require multiple services, a gold plan may be best. However, a bronze or silver plan might work better if you only visit the doctor a few times a year. 

Once you choose your level, you want to pick a specific plan. Here are the main options you have to choose from:

  •  Indemnity Plans: On this plan, you can visit any doctor at any time. Then you pay them upfront and file the claim with your insurance company, which pays you back part of the cost. They often do not cover preventive care, like physicals, and have higher premiums. 
  • Managed Care Plans: Alot of employee coverage is managed care policies. The insurance company works with health care providers to offer low-cost care.  This plan also has four basic types: HMO, PPO, POS and EPO. 
  • Consumer-Driven Health Plan (CDHP): This is when you set aside money in a health insurance saving account. So, you’re in charge of how to handle the cash to pay for health care services. It does come with higher deductibles, though. 

5. A Plan Through Your University May Not Be Enough 

While this is an easy and cost-effective way to get insurance, it might not be enough. Keep in mind it may only cover services on campus. However, it might not be covered if you get an x-ray off-campus. 

Also, suppose something happens when you’re on break. Then your current plan might not cover outside providers. So, talk with your Health Center to see what exactly is covered. Some programs may offer services that require just a fee and others that need insurance. 

However, many schools require proof of health insurance. So, you can stay on your parent’s plan or a private one. Also, if you qualify as a low-income individual, you can receive Medicaid. 

6. Finding Affordable Programs

Some people may worry about the expenses associated with the plan. However, between tax credits and Medicaid, you can find affordable programs. If you apply for coverage through The Marketplace, you can see if you qualify for a premium tax credit. 

These credits are based on your local residence, household income and coverage level. If you’re eligible, apply the credit to your monthly premium. Then The Marketplace will send it directly to your insurance company. 

Also, consider subsidies for low-income consumers, reducing out-of-pocket costs. You must make a certain income level and be in a state that didn’t expand Medicaid to qualify. 

Himiway Escape by Kaelen Felix for 360 Magazine

Himiway Launches Four New E-bikes

Himiway promises a more exciting fall this year, thanks to the upcoming launch of 4 new cutting-edge electric bikes from the company. Watch livestream here.

Himiway is pleased to announce the upcoming launch of its 4 types of brand new e-bike models in January 2022 of next year. The electric bike company recently released the teaser for the upcoming models; even though the teaser doesn’t reveal elaborate details about the bikes yet it has already created a  lot of buzz in the outdoor adventure world. Going by the tradition with other Himiway bikes, the upcoming ones too would be under affordable range,  with prices comfortably ranging between $1,000-under$3,000.

The 4 new Himiway bikes that are slated to be launched in January 2022 are – Softail Supreme E-bike, Multifunctional E-bike, and Premium All-terrain E-bike.

“We are thrilled to share that we will soon be launching 3 types of state-of-the-art new electric bike models come fall. While one of them would be the most innovative model from our lineup ever, another one would be an advanced utility bike that would be handy for your daily affairs. The third one is exclusively designed for outdoor enthusiasts and would make a robust partner for your off-road adventures across all terrains”, stated the leading spokesperson from Himiway.

As per the reports, Softail Supreme and Multifunctional models would be new additions to the company lineup. On the other hand, the Premium All-terrain E-bike is speculated to be the successor of the Himiway’s crowd-favorite Cruiser Electric Fat bike. However, these are just speculations- the Premium All-Terrain version may be a completely new variation for all-terrain electric bikes as well.

The Softail Supreme model stands out as the “most innovative” electric bike ever built by Himiway. Engineered with cutting-edge “first-notch” suspension (especially rear and front, based on softail designation), the bike promises to deliver an all-new experience for the riders. Going by the Himiway teaser, the model would be priced somewhere around $2,099 to say, under $4,000.

The second one, Multifunctional E-bike, is being dubbed as an all-rounder that would make a valuable addition to a busy and active family. From ferrying children to making deliveries to quick grocery shopping sessions, the bike has been designed to handle all. The bike will be $2,099.

The Premium All-terrain Electric Fat Bike is an advanced crossover between mountain and urban electric cruiser. As the name suggests, this model is especially designed for off-road adventures and has been equipped with major required features like, extended battery and incredible speed. The upcoming bike will also impress with its stylish looks. As Himiway hasn’t mentioned about fat tires with this bike, the model is likely to be a completely new model from the company. However, the other descriptions sound very similar to that of the previous Cruiser fat bike from Himiway. In regard to cost, the bike is speculated to come around $1,999.

360 MAGAZINE is an avid fan, and you can check out our very own Vaughn Lowery as a newly appointed ambassador for Himiway here.

About Himiway

A pioneer of electric bikes in the American market, Himiway specializes in manufacturing advanced fat tire electric bikes at affordable ranges. The company is based in California, USA, but has recently expanded to markets globally, covering all of the USA as well as Canada, the U.K., and Germany.

For additional information, please visit HERE.

Why You Should Enlist a Lawyer After a Car Crash

Roads are full of surprises, and you never know when an accident may happen. No matter how careful you are, it isn’t always possible to avoid accidents. From reckless drivers to poor road conditions and aggressive drivers, you never know what could happen. If you are injured in a car accident, it is always wise to enlist the services of a lawyer. Here are a few reasons why. 

Dealing With Your Insurance Company

Your insurance providers are pleasant and accommodating when you first need to get insurance. However, they can be very difficult and unpredictable when it is time to seek compensation. It would help if you had a good lawyer to deal with them. Since they are big companies, they are likely to hire good lawyers. You don’t want to go against a big insurance company lawyer without any legal representation. 

The lawyer has a lot of expertise in law. They have handled issues similar to yours, and if you have no legal help, they can quickly shut your claims down. Negotiation is an integral part of the process, and your attorney will do it better than you. They will help you handle the process of recording the details of your accident to ensure that you get the maximum compensation. 

Peace of Mind

Working with a good car accident lawyer gives you peace of mind. You can sit back and relax knowing that your case is being handled. You don’t need to run up and down wondering what paperwork to fill next or what you need to handle first. When you have just been in an accident, you want to rest and recover. Working with a lawyer makes that possible. 

Proving Injuries

Even if you sustained serious injuries in a car accident, proving them can be difficult. The period right after your accident can be confusing. Many people don’t remember to keep proof of their injuries. If you contact your lawyer right from the start, they’ll ensure that no evidence is lost. They will help you keep copies of your medical reports, medical records, and photos of your injuries. They may help reconstruct the accident to prove who was at fault. They may interview witnesses and obtain accident reports on your behalf. 

Getting Maximum Compensation

Your attorney will help ensure that you get maximum compensation for your damages. While you may understand the physical and emotional impact of an accident, you may not understand the true financial impact. Car accident lawyers know how much different injuries are worth. They will determine the strength of your case and give you an estimate of what to expect before going forward. With their help, you may receive compensation for medical bills, mental anguish, lost wages, property damage, and pain and suffering. 

Settlement Negotiation

Depending on the nature of your accident, a settlement may be your best option. Settlement negotiations aren’t limited to the parties involved in the accident. They may also involve car insurance providers. 

Your lawyer will help ensure that the settlement you receive is consistent with your injuries and property damage. They represent you in negotiations and ensure that you aren’t getting less than you deserve. 

If you lack representation, insurance providers are likely to take advantage of your inexperience. They may offer a settlement that is a lot lower than what you deserve. 

Filing a Case

If you need to file a case, your attorney is the best person to take care of it. They will represent you in court and ensure that you receive compensation. If the other party seems unwilling to offer compensation for your damages, call your lawyer

After a car accident, you have a lot of people to call. It is a stressful time, and most people don’t know how to react. However, your lawyer should be one of your first calls. They will give you tips to handle the situation and get as much compensation as possible.

Headphones illustration by Heather Skovlund for 360 Magazine

Music Streaming Revenues Jump

Music Streaming Revenues to Hit $23B in 2021:

A 50% Jump Compared to pre-COVID-19 Figures

Like many other sectors, the music industry has been significantly affected by COVID-19, with the massive cancelation of live events and huge ticket sales revenue drops amid the lockdown. With earnings from live music events shrunk to the lowest level in history, artists increasingly rely on income from streaming platforms. According to data presented by BuyShares.co.nz, music streaming revenues are expected to hit $23bn in 2021, a 50% increase compared to pre-COVID-19 figures.

Revenues to Jump by $3.3bn in a Year, Number of Users to hit 620 Million

Even before the pandemic, the music streaming industry witnessed impressive growth, with revenues rising by a CARG of 20% year-over-year. Statista survey showed that in 2017, the unified market was worth $10.5bn. In the next two years, this figure jumped to $15.2bn. However, last year, music streaming platforms witnessed the biggest annual revenue growth, as COVID-19 halted live events. Statistics show that revenues surged by almost 30% year-over-year and hit $19.7bn in 2020. The ongoing lockdown is expected to continue driving a rise in music streaming consumption, with revenues growing by another $3.3bn this year. By 2025, the entire market is forecast to hit a $33.3bn value. The Statista survey showed the number of people using music streaming platforms also surged amid the pandemic and jumped from 425.6 million in 2019 to 626.2 million in 2021. More than 900 million people worldwide are expected to use music streaming services in the next four years.

Spotify hit 155 Million Premium Subscribers in 2020, Double than Apple Music

As the world’s largest music streaming market, the United States is expected to reach 100.7 million users and $8.7bn in revenue in 2021, a 16.6% increase in a year. The Chinese market, the second-largest market globally, is forecast to grow by 20% YoY and hit $2.2bn value this year, almost four times less than the leading US. Nevertheless, with 177.7 million users in 2021, the country has the largest number of people using music streaming services globally. According to Hootsuite’s Digital 2021 Report, more than 81% of surveyed internet users in China reported listening to music streaming services last year. The United Kingdom ranked as the third-largest music streaming market with $1.4bn in revenue this year.

As the biggest music streaming service globally, Spotify (NYSE: SPOT) hit 345 million monthly active users and 155 million premium subscribers in December 2020, a 25% jump in a year. While Apple (AAPL: NASDAQ) hasn’t publicly commented on its subscriber count since reaching 60 million in June 2019, estimates from MIDiA Research put Apple Music subscribers at 72 million in 2020, or half the Spotify count.

 

The full story can be read here.

Kaelen Felix illustrates truck article for 360 Magazine

Rules of the Road: Why Following the Law Matters

Traffic fatalities claim the lives of over 30,000 Americans every year, making it vital to know the rules of the road before you hit the street. In 2018, 36,560 Americans died in car crashes, one of the highest amounts on record in recent years. Traffic laws help to mitigate many of the risks of the road, provided everyone knows them and adheres to them. Following the law can keep you safe while you’re driving and is vital to staying out of legal trouble. 

Should you be in an accident, your strict adherence to the law can benefit you in a court of law and in seeking compensation from another driver. Find out why it matters to follow the law when you’re on the road and how you can do it.

Wear Your Seatbelt

It can be tempting to joyride without a seat belt, but you place yourself at great risk of harm and legal trouble if you don’t buckle up before hitting the road. Mandatory seat belt laws for front seat drivers exist in every state and the District of Columbia except New Hampshire. Another 31 states have mandatory seat belt laws for adult passengers in the rear seats. There’s a good chance that if you’re not wearing a seat belt while your car is in motion, you’re in violation of the law. Should you be pulled over or become the victim of an accident, you could face a ticket or worse.

Stay Off Your Cell Phone

Answering a few texts while you’re on a quiet stretch of road can seem harmless, right? Unfortunately, doing so can be used as evidence against you should you be in a car accident. While you’re texting, you could easily lose track of the following on the road:

Other drivers

Pedestrians

Bicyclists

Speed limits

Obstacles

Changes in the road

Weather conditions

Many states have laws against cell phone usage while you’re operating a motor vehicle. Using your phone to call or text while you’re driving leaves an electronic trail that can be used to establish you were distracted and are responsible in full or part for your accident.

Follow the Speed Limit

Speeding is a dangerous and illegal activity that can land you with an expensive ticket and keep you from where you’re trying to go. Speed limits are set to safely govern the flow of traffic, and if you move too fast (or too slow) you can throw off this delicate balancing act. If you are violating the speed limit of the road you’re on, you may get pulled over, and with too many tickets on your record, you could face a temporary or even permanent suspension of your license.

Don’t Drive While Intoxicated

Driving while under the influence of a controlled substance, such as drugs or alcohol, places yourself and other motorists at grave risk of collision. When driving under the influence, your reflexes will be impaired, even if you feel like you’re in full control of them. In all likelihood, your driving will be erratic enough to tip-off a police officer, who may stop you and give you a DUI or DWI. In the worst cases, you could collide with another car, a pedestrian, a motorcyclist or bicyclist, or an obstacle on the road.

Seek Legal Advice

Sometimes, even when we play by the rules, we still are victims of unfortunate events. If you’ve been involved in an automobile accident, an experienced car accident lawyer can argue your case and help you obtain justice and the compensation to which you’re entitled. A traffic accident can change your life forever, but with the right legal representation, you can take great strides to make it whole again. 

Kaelen Felix Land Rover

Does Car Insurance Cover Hail Damage to My Car?

On average, the cost of repair for hail damage to a car is about $2,500

If you recently had a bad storm that damaged your car, you might not have the money to repair the car, especially if you weren’t expecting that extra cost. 

However, in some cases, you could turn to your insurance to help you out. But when does that work? We’ll break down everything you need to know, so make sure you keep reading!

Your Coverage

Before you can submit a claim for the insurance company to cover your hail damage, you’ll need to check your insurance policy first to figure out if you have a hail damage claim.

If you only have liability coverage, then you’re not covered for hail damage. Liability coverage will only protect you if you cause damage to someone else’s vehicle in an accident. 

However, if you have comprehensive coverage, you might be able to submit a claim. This will let you submit a claim to have any damage to your car paid for. This includes things like an animal damaging your car, a tree falling on it, glass shattering, or hail damage. 

If you know that there is a big storm coming, you may not be able to automatically sign up for comprehensive insurance. Insurance companies normally put a hold on when you can sign up so that you don’t do it just for catastrophic events. This is why you should have insurance at all times. 

The Deductible

If you have comprehensive insurance, you’ll likely also have a deductible. This is the amount you’ll have to pay out of your own pocket before the insurance steps in and covers some of it. 

If you have a higher deductible, you might also have a lower premium, so consider that if you’re new to signing up for comprehensive insurance. 

However, if you live in an area where hail storms happen often, you’ll have to figure out whether you can afford the out-of-pocket deductible if you need to submit a claim. 

In some instances, the insurance company might waive the deductible if it affects the glass of your car. 

Your Premium

Whenever you make a claim, it gets added to your insurance record. Every time you submit a claim, it could end up affecting what you pay for car insurance, but that’s only if you submit a lot of claims over a short period of time.

Deciding to file a claim will depend on how much damage you have. If the damage isn’t that bad, it might save you money, in the long run, to just pay for it yourself. However, if your car is going to have thousands of dollars in hail damage and you don’t have the money to pay for it, it might be better to risk the higher premium later on.

How to File a Claim

If you decide that you do want to file a claim for hail damage to car, you should do it as soon as possible. 

You’ll do it the same way that you’ve filed other claims for your car before. Contact the insurance company either on the phone or online. You should do it as soon as the storm is gone.

If it’s a large storm, your neighbors in the area will likely be doing the same thing, so you want to make sure you try and get in as soon as possible to avoid waiting for hours to reach someone. 

Once you actually get to file the claim, the insurance company will send a claims adjuster to look at the damage and figure out how much they will pay you to fix the hail damage. 

How to Fix the Damage

Whether the insurance company decides to help you or not, you’ll still need to then fix the damages. 

If your car is already paid for and the damage isn’t too bad, you could decide to just leave the dents. But if you still have a loan on the car, you’ll need to find someone to repair it. 

For those who did file a claim, the claim adjuster will help you find an auto body shop and get an estimate for the repair. For those who didn’t have the insurance to cover it, you can find your own auto body shop and get quotes on your own.

If you’re going to do that, make sure you shop around so that you can find the best deal possible. 

How to Protect it in the Future

To avoid all of this in the future, you’ll also have to figure out how to protect your car from future hail storms.

If you live somewhere that constantly has hail storms, you should look into preventative measures. Some of them include just buying a car cover to prevent hail damage that you can keep in the back of your trunk. If a hail storm pops up, you can easily pull over and cover your car to help reduce the impact from the hail.

Weather apps can also be useful and send you alerts when a storm is about to pop up. If you have enough time, you should try and find a garage or a covered area to help stop the hail from damaging your car. 

Learn More About Hail Damage to a Car

These are only a few things to know about hail damage to a car, but there are many more tips on how to get it fixed.

We know that dealing with car problems of any kind are a nuisance and can be stressful, especially if you don’t know how to solve it. That’s why we’re here to help you!

If you enjoyed this article, make sure that you explore our website to find more articles just like this one!

Kaelen Felix illustrates Demi Lovato and Marshmello for 360 MAGAZINE

Marshmello Sports Premiere Apparel

By Cassandra Yany

Marshmello sported a Premiere Apparel Tie Dye Hoodie to promote his new song and music video with Demi Lovato. The electronic music artist and pop singer took to Instagram on Thursday to share the release of their track “OK Not To Be OK” and the accompanying music video. In the photos, Marshmello is wearing a tie-dye hoodie by the LA brand Premiere Apparel.

The color-infused “Rain Forest Hoodie” pairs perfectly with the DJ’s electronic sound, and is one of the brand’s many tie-dye signature styles. Premiere Apparel creates clothing with colorful, mesmerizing designs and comfortable fits. 

Marshmello and Lovato teamed up with the non-profit movement Hope For The Day for this collaboration. The pair are working with the organization— whose motto is “It’s OK Not To Be OK”— to start a conversation about mental health and eliminate the stigmas and judgment that go along with it. While promoting the song, Lovato shared a message via Instagram on Thursday, which was also Suicide Prevention Day, expressing her struggles with mental health and encouraging her followers to check in with themselves and loved ones.

About Premiere Apparel

California grown and LA-Based uni-sex brand Premiere Apparel has a vision of reinventing lifestyle. Creating go-to comfy fits to traditional yet innovative looks as well as environmental manufacturing friendly. 

Premiere Apparel is a unisex streetwear premium brand that combines modern essentials with innovative wash techniques to create comfy go-to basics that make a statement. They believe in true essentials designed from life inspired color palettes that satisfy the soul.

Whether it’s your favorite weekend tee or that cozy sweatshirt for a cool night, Premiere Apparel offers well-made items for everyday people and their ever changing lifestyles. Fewer well designed pieces that are made to last and can go anywhere. They manufacture basics from the highest quality materials, using American-made materials and American labor.