Car Insurance Coverage: Do You Have Enough?
FACT: After you have an accident is not the time to find out if you have enough car insurance coverage.
Most of us don’t spend a lot of time pondering whether or not we carry enough car insurance coverage. When you originally purchased your current policy, whether online or through an agent, you probably just made the assumption that your previous coverages were enough and rolled them into your current policy. With the popularity of buying car insurance online, the danger of carrying too little car insurance coverage is becoming more of a reality for many consumers.
Buying car insurance without a complete question and answer session with a license agent, or at the very least with a company representative over the phone, is like playing Russian roulette with your financial future.
More assets, more to protect
As you get older, as does your car insurance policy, and with age generally comes more assets and financial responsibility. If you still have the low liability limits that you had when you were younger (and poorer), then it’s time for a thorough review of your situation to determine if you need more adequate car insurance coverage.
Imagine for a second that you are driving home from work, you want to listen to some classic rock so you reach down to find the perfect CD or song on your iPod. In the fraction of a second that you take your eyes off the road, what if the light was red? What if the car in front of you comes to a screeching stop? What if a pedestrian steps into a crosswalk? These are all situations that we encounter almost daily on our commute. It only takes a split second of inattentiveness to the road to put yourself in a very bad situation.
If you hit the pedestrian in the crosswalk, it would be very difficult to prove you were not liable for the injuries they sustain from being hit by your vehicle. What if the pedestrian has severe brain damage from your carelessness and requires life support and extensive medical bills for the rest of their life? What about punitive damages? The split second of you searching for AC/DC can easily add up to millions of dollars in liabilities.
Now do you think your 100/300 liability limits are adequate? Or even 250/500? And your million dollar umbrella?
This is obviously a hypothetical worse-case scenario, but in reality, it happens daily. If you have assets, then you have assets to lose. If you have a family, you not only put yourself in financial ruin, but they suffer as well. It’s time to take a reality check and get a complete insurance checkup and address your old coverages that haven’t been increased since you got out of college.
Liability coverage is CHEAP! Don’t skimp!
Liability is a much cheaper coverage than physical damage coverage, and for a few extra bucks a month, you can have higher limits that more adequately protect your assets. I mentioned an umbrella earlier, and if you thought I was referring to the accessory that keeps water off your head, it’s really time to get educated on insurance coverage.
Umbrellas are for more than just rainy days
Umbrella policies provide coverage over and above your underlying car insurance coverage. As long as you maintain the car insurance liability limits as required by your umbrella policy, your umbrella policy will kick in when your car insurance policy runs out. Depending on your personal situation such as the number of vehicles you own and the number and ages of drivers, you could possibly buy an extra million dollars of liability coverage for around $150 a year. That’s $12.50 a month, and only about 42 cents a day.
Take the time to assess your coverage today
After you hit the pedestrian in the crosswalk, would you be willing to pay 42 cents a day for an extra million dollars of liability coverage? I thought so. It’s time to find out if you have enough car insurance coverage.
Dentist caries and periodontal illness might be prevented by a profitable dentistry hygiene program. A good dentistry hygiene system really should consist of the following:
1. Proper normal tooth brushing approaches.
2. Suitable eating habits and beneficial diet.
3. The use of fluoride drinking water and other fluoride-containing substances like toothpastes and mouthwashes.
4. Normal visits towards dentist including a thorough dentist check-up and prophylaxis.
All these can provide optimum oral well being, free of charge from tooth caries and periodontal condition.
A well balanced diet as well as the limited consumption of meals that contribute to dentistry decay are the very first methods to a effective dentist hygiene package. Our mouth is naturally inhabited by acid forming bacteria. These bacteria feed on starches and sugars. Acid is formed when bacteria act on starch or sugar. The acid formed causes enamel degradation, which would be the starting point of any dentist caries. For this reason, it’s critical to minimize and if feasible, avoid foods which are rich in sugar and starch. Examples of these foods are richly filled pastries, doughnuts and peanut butter. These foods are particularly dangerous since these tend to stick from the tooth surfaces. Sweetened canned fruits with heavy syrup, citrus-flavored candies and sweetened fruit juices are also high in sugar content. Chewing gums, breath sweeteners and carbonated beverages are dangerous not because they contain big amounts of sugar but because of the frequency with which they’re ingested. Artificially sweetened foods, drinks and chewing gum are greater options.
Normal brushing in the teeth employing the appropriate methods is the next step in following a superb dentistry hygiene software. It is advised to brush the teeth two or three times a day but if you might be keen on keeping to some good dentist hygiene program, it’s always much better to brush soon after every meal and after taking any foodstuff in in between. A superb brushing technique will take out the foodstuff particles lodged in between the teeth and inside the normal pits and fissures of the chewing surfaces of the teeth. This could also take out the plaque that sticks towards the teeth surfaces. Removing the food particles will also stop foul breath or halitosis. Halitosis, even so, may also be caused by several other elements including a badly decayed tooth, eating particular sorts of foods like garlic and onions and infections from the tonsils, sinuses or throat. Employing dentistry floss to get rid of foodstuff particles trapped in in between the teeth is also a very critical part of a good dentist hygiene system. Dentist floss can eliminate food particles lodged in involving the teeth that occasionally even a good tooth brushing technique can’t accomplish. In case you need assist with any from the strategies listed above, please contact us at any time as we’d be happy to suggest a local Portland Dentist, or a different one closer to you.
At times ill fitting, old and worn out dentistry appliances like dentures, orthodontic appliances and bridges can be the source of gum irritation. These tooth appliances really should also be taken cared of in the similar way to natural teeth. All removable dentist appliances must be eliminated following every meal or snack and must be cleaned having a special brush. Don’t let foods particles accumulate in these appliances. Rinse the appliance with running h2o when it really is impossible to clean it thoroughly having a brush to ensure that foods particles might be eliminated. Soak the appliance overnight once or twice a week in a solution of sodium hypochlorite. This solution helps remove stains on the dentistry appliance.
The use of fluoride h2o is one more critical factor in sustaining beneficial dentist hygiene. Most U.S. water systems today are already treated with fluoride. It has been observed that the use water treated with the proper amount of fluoride can basically guide avoid dental caries. Fluoride is found to strengthen the enamel. Fluoride may also be topically applied towards the teeth to children ages 13 and below. You will find also toothpastes and mouthwashes accessible from the market right now that contains fluoride.
The last step in sustaining very good oral hygiene would be the normal visits to the dentist. This should start around the age of 3. A visit for the dentist right after every single six months is suggested. Your dentist will have all the knowledge on how you’ll be able to preserve excellent oral hygiene. He or she will be capable to suggest to you any steps or procedures required to keep and continue enjoying good dentist well being.