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Different Rules for Different Motorcycle Plates

There are different rules for motorcycle plates. It all just depends on when you got them. If they are before 1973, then you are allowed to have the plates that were offered then. If it is between 1973 and Sept 2001, then the numbers and characters are a different size. There is yet another rule for plates that were gotten after Sept of 2001. Thankfully, I don’t have to concern myself with any of that because I always get my plates from https://www.theplateman.net/replacement-number-plates/. I discovered this site several years ago when I had to get replacement plates for my mum.

I handle everything for her like that, but I was out of town for nearly two months on a work assignment overseas. I did not want her to have to deal with this, so I looked online to see if I could find a company that has people running errands for others. What I found was even better.…

Two Damaged Trees Needed to Come Down

My grandmother has lived in the same house for nearly 60 years. She and my grandfather had purchased it when they were still newlyweds, and my grandfather had fixed it up really nice through the years. When he went to Heaven, she was not able to maintain the upkeep like he had, so we all chipped in to help. We could do most of the work between her children and grandchildren, but some things required a professional to help us. I knew we needed a Nassau County tree removal company when some of the trees around the house were getting too big.

We had thought about having them just cut back, but we feared that two of them were too old and dangerous to keep even if they were cut back.…

Running into an Old Friend Inspired Me to Lose Weight

I found myself reading through the best Forskolin reviews to learn if it’s a product that works. All of the ones I found said that it really does work! Then, after I looked it up, I promptly forgot about it because I was so busy with work. Weeks later, I ran into an old friend who lost 85 pounds. She looks fabulous, and I felt very envious. I asked her how she lost the weight, and that’s when she told me that she took Forskolin and it was really easy to use. I knew then that I needed to buy some right away.

I have been tired of being 75 pounds overweight because it’s overwhelming for my small-sized body frame. I’m tired all the time, I feel like I’m in pain all the time, and I just don’t want to do a lot of the things that I used to do. My children get really frustrated with me because I can’t keep up with them. I will often drive them to where they need to go, and then I will drive home and take a nap while they go have fun.…

Personal Injury Cases – Compensation Package

There are several opinions when it comes to personal injury cases. A school of thought believes that personal injury law creates an avenue for unscrupulous individuals to milk large corporations or organized businesses. Of course, every individual is entitled to his or her opinion but for a lot of people, personal injury law has created a natural lifeline, not only for them but also for their families. Without the compensation provided under personal injury law, a lot of families would be unable to survive the consequences of other people’s negligent actions. How so?

Consider this scenario: a young married father of two who gets injured at his place of work (a construction firm), due to the failure of the company to put in place certain safety precautions that would have preceded the accident from happening. There are several ways of looking at this scenario; the first consideration is the cost of treatment. This will depend on the extent of the injury and considering the high cost of adequate medical care, this is no mean feat. The father is unable to work and as such can no longer earn an income to provide for his needs and those of his family. These injuries also maintained in permanent physical disabilities and the father can no longer return to the only work he is trained for.

All of the above consequences are just a tip of the iceberg; there are many more and all because of the negligence of a company in ensuring the safety of its employees. Thankfully, personal injury law provides an avenue for victims of personal injuries to seek justice and compensation that will help them cope with these consequences. Of course, this particular example (workplace accident) is just one of the numerous cases of personal injury. Others include: car accidents, motorcycle accidents, train accidents, defective products, toxic exposure, defective drugs, animal bites, burn injuries and a host of other injury cases.

The typical compensation package in personal injury cases takes into consideration the consequences mentioned above such as: medical treatment and rehabilitation, repair and replacement of damaged property, lost present income, lost future income, non-monetary losses (pain, suffering, depression) in addition to punitive damages levied against the defendant in cases involving gross negligence. In order to receive compensation and justice in accidents resulting in injuries, get in touch with a personal injury lawyer today.

Any accident causing serious impact on your life, some emotional stress. Although it can not be measured, awarded compensation to reflect on you. If you have suffered serious injuries and medical costs would be considerable. A compensation program takes into account these costs and all expenses that will bring your attention is going.…

The Internet Business Journey

Where to start? Which business to choose? What direction to take? These are all the questions flooding through my mind as I decided to embark on the online business journey. It is not unfamiliar to experience doubts, tension and speculation about the various companies currently marketed online today as many make promises they can not keep.

It is like the ongoing reference of making millions in 24 hours with no effort. Realistically no one can make millions without any effort involved. Many online businesses promise consumers a get rich quick scheme that details the affiliate having to provide little effort and receive large responsibilities. Through experimenting and falling into the trap myself I experienced very little, if any, responsibilities from such companies and lost a large amount of money in the process.

Soon enough I learn that working from home can be accomplished however it involves participating within the right businesses and communicating with the right mentors. Having a sponsor available to help you every step of the way within building your online business is crucial if you want to succeed. A sponsor can not only provide advice on how to market your consumers, however more often than not they have experienced the internet business for longer and have the knowledge to direct you in making the right decisions for the long term. This is important because if you are really interested in working from home you will want to make decisions and investments for the long run in order to experience the financial freedom one dreams about.

Discipline, Attitude and Effort are the three hits that are essential in creating a business that will succeed. You do NOT want to go spending money left, right and center because you believe it will bring you more prospects. You do NOT want to possess a negative attitude and simply believe that working from home is not possible or that you will never achieve financial freedom.

Lastly you do NOT want to start out in this business with the idea that it takes little effort to achieve large results. Yes there will be sponsors, mentors and programs available to help you and reduce some effort within your online business; however it is through your time management, your 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} effort and your willingness to succeed that will truly define your career path. If you undertake your business properly consumers will come to you.

You should not have to seek or hunt down consumers or people to invest in your business. “The aim of marketing is to know and understand the customer so well the product or service fits him and sells itself”. (Peter F. Drucker 1909, American Management Consultant). This quote is very important. Read it again and again until you fully realize the significance. For your business to reach its full potential your product or service must meet the consumers needs or desires and accordingly the prospects or leads will come to you.

But in order to start an online business in …

Factors That Determine the Size of Business

At one point we may want to determine the size of business. This helps in knowing whether it’s growing or not. Also you ascertain the size of your business in order to plan its various aspects and requirements such as manpower, raw materials, machinery etc. Once you know the size of your firm, then you’re able to determine if it’s efficiency or not efficiency. A business can be small, medium or large size.

Every business is striving towards attaining the optimum size. What is an optimum size of a business? The optimum size is when the firm has reached its maximum efficiency. At this stage the average cost per unit of the firm is at its lowest. It is at this point that the size of the firm should not be changed i.e. increased or lowered. Usually, any business starts as a small entity and then during its operating period, it expands till it reaches the optimum size.

There are two main things that will make the firm to either attain the optimum size or not to attain it. The two things are:

1.) The kind of decision the management makes.

2.) Competition.

Eight Factors that Determine the Size of Business

There are a number of factors that you can consider in measuring the size of a business. The following are some of the factors:

1.) Total Assets

The total assets of any business determine its size. The value of all assets (current and fixed) are used in measuring the size of a firm. By comparing the total value of assets between two firms that are in the same industry doesn’t always reveal the size.

2.) Power Used

The amount of power used can be used to determine the size of business. Don’t rely on this factor as it is inaccurate because the amount of power used by any business may be more or less due to many factors such as installment of power reduction equipments.

3.) Capital Investment Factor

The amount of capital invested by shareholders in form of share capital, reserves and surpluses (net worth) determines the size of business. You can use the amount of share capital invested to compare two businesses or more that are producing similar or differentiated products.

4.) Volume of the Output

This factor is applied on those firms that are producing homogeneous goods. It shouldn’t be used in case firms are producing variety of products.

5.) Value of Output

This is another factor that determines the size of a firm; however this method is only effective in case where firms are producing variety of products and where price levels remain constant.

6.) Capacity of Plant

It is used by firms that produce similar products.

7.) Number of Employees

The number of employees employed by any business can be used to determine its size. This is done by comparing the wages paid to employees with other businesses. This factor is used where firms produce similar goods. If you use it in comparing firms …

Pittsburgh Accounting – How To Find The Best Accounting Firm In Pittsburgh For Your Small Business

If you are looking for the best accounting firm in Pittsburgh for your small business, here are five definitive facts about the city and five sure-fire ways to find the accounting firm there that best meets your small business needs.

Pittsburgh – The Most Livable City In The US Pittsburgh is Pennsylvania's second largest city, population 311,647. The seven county area surrounding the city boasts a population of 2,354,957. Allegheny County, which includes Pittsburgh, is by far the largest and most prosperous. In these seven counties, there are over 1,000 accounting firms, 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of which are in Pittsburgh. Over half of them cater to small businesses.

In 2005 and again in 2009, The Economist ranked Pittsburgh the top most livable city in the United States. In 2007, Pittsburgh claimed the number one spot in Places Rated Almanac. In 2010, both Forbes Magazine and Yahoo! had Pittsburgh at the top of their lists. Entrepreneur Magazine ranked Pittsburgh as one of the best for entrepreneurs.

Pittsburgh – The City Of Bridges. Pittsburgh is the world record holder for bridges with 446 of them contained entirely within the city limits. These bridges cross the Allegheny River from the northeast and the Monongahela River from the southeast to form the Ohio River and the downtown area of ​​the city known as the Golden Triangle. They link the city to the four areas surrounding it, namely the North Side / North Hills, the South Side / South Hills, the East End and the West End. Four interstates (I-376, I-79, I-279 and I-579), known to Pittsburghers as the Parkway East, the Parkway West, the Parkway North and Crosstown and two major expressways (Route 28 and Route 22) connect 237 boroughs and 202 townships with each other and with Downtown Pittsburgh.

Most of the larger accounting firms serving Pittsburgh's major corporations are in Downtown Pittsburgh. However, all of the accounting firms serving the city's ever-growing small business population are located in the areas north, south, east and west of the city. These firms serve small businesses in Pittsburgh and Allegheny County and also offer their services to the other six counties that make up the Greater Pittsburgh Area. The small business accounting firms in these areas have deep-seated ties to the community, the people and the businesses residing there.

Pittsburgh – A City Transformed. Thirty years ago, Pittsburgh was a dirty, smoky steel town, known as the Steel City, because of its predominance as a mighty steel-making hub. When that industry collapsed and Pittsburgh lost its manufacturing base, its blue-collar workers and corporate giants like Westinghouse, Gulf Oil, Koppers and Rockwell International, the city faced its first economic crisis in more than a century. To its credit, though, the city transformed like none other in the country and emerged twenty years later as a thriving white-collar metropolis.

Today, Pittsburgh is still a steel city. US Steel, the 10th largest steel company in the world, is headquartered there. Allegheny Technologies, a world-class steel maker, has eight manufacturing plants …

Building Your Personal Brand: Are You Qualified or Disqualified by Your Internet Presence?

In a social-media crazed, internet browsing society, it seems that precious little is sacred anymore. Every day, a combination of voyeurism and stagecraft can be seen cluttering our news-feed. Many things that we once kept to ourselves are now a veritable free-for-all in the mysterious vortex of the World Wide Web. And not all for the best. Even with increasing internet privacy concerns, consumers continue to put their personal lives on display for all to see. As Mineo (2017) suggests, “In the internet era, consumers seem increasingly resigned to giving up fundamental aspects of their privacy for convenience in using their phones and computers, and have grudgingly accepted that being monitored by corporations and even governments is just a fact of modern life”. Still, amidst the myriad of cat videos, political banter, memes, recipes, and personal photos, there can be seen the emergence of marketing genius. The internet, in conjunction with social media, has become a marketplace where individuals as the product come every day to advertise their personal and professional brand. There are some things that one should consider in terms of exactly what is being advertised when you, as the product, enter the global marketplace.

1.) Can You Be Found?

To see what my personal brand looked like I Googled my name and found everything but me. The search revealed everyone from an artist to an actor’s son, but not me. Now, when I added my current city to my name, I finally found a ruggedly handsome rogue that looked remarkably like me. I utilized two other sources, including Klout, and WebMii. This led to the startling revelation that I will not be going viral anytime soon. While it is better to have no presence than a negative presence, hopefully, my diminished online visibility will one day be replaced with significant civic and academic achievements.

2.) Are You a Product Worth Buying?

Is your visibility high or low? What are you advertising about yourself? Very often, the information available about an individual reflects the kind and quality of character they possess. Many employers and human resource professionals actually take the time to thoroughly research online profiles then subsequently judge an applicant’s personal brand. In one case, A reporter at the Arizona Sun was fired “for posting unprofessional and inappropriate tweets to a work-related Twitter account.” He had opened the account at the Sun’s urging and identified himself as a reporter there in his lil’ Twitter bio. He tweeted about how bad his paper’s copy editors were and got a warning. He later posted some insensitive things about area homicides and criticized a local TV news station. That led to him getting the boot (Hill, 2011). So, aside from that photo of you winning the ugly sweater contest at the office Christmas party, it would be worth your time to think about whether the product you’re putting out there can get you hired. Or fired.

References:

Mineo, L. (2017, August 24). When it comes to internet privacy, be very …

Car Rental USA and Insurance – Car Rental Insurance Terms Explained

If you are from the UK and intend to take a fly drive trip to the USA it is best to be familiar with the insurance cover provided by the large rental companies such as Alamo.

In many countries it is required by law that the car insurance must specify unlimited third party coverage. In the USA this is not the case. Each state in the USA establishes a minimum level of coverage required by law and this may be as low as US $ 5000. When you book car rental in USA through Alamo you will have third party cover of US $ 1million plus S $ 1million to the driver and passengers in the rental vehicle against death or injury caused by the driver of another vehicle who is under insured, uninsured or who commits or drives away from the scene of the accident.

Carefree Personal Protection Insurance knows as (PERSPRO) is not included in any car rental quote and is entirely optional. It is available locally for an additional charge. This cover is for accident indemnity, accident medical expenses and emergency medical evacuation, death and dismemberment, repatriation of remains and personal effects. This would normally be covered under your personal holiday insurance. You will need to check your personal holiday insurance prior to departure and if you are already covered you will not need this additional insurance offered at the rental depot.

Please do take time to read the small print that will be part of the local rental agreement as your insurance can become void if for example you drive on unpaved roads, drive under influence of either drugs or alcohol.

Happy and safe motoring. …

Causes of Death and Term Life Insurance

There are many reasons for buying life insurance, but most people that investment to ensure that their loved ones are cared for in the middle of the tragedy. While some want to consider a premature death, these sensitive issues to be addressed at the same time someone is buying term life insurance.

Many term life insurance policies have special provisions in lieu of deaths not caused by medical complications or natural causes. Those who enter into these contracts should be aware of what situations can maintain his family of collecting benefits and what brokers could offer more protection.

* Suicide Provisions

Suicide is a sad and terrible event for the whole family. The pain of the loss is amplified by the many questions raised by the act. At this moment of pain, many families may need help from a life insurance plan can offer.

Most companies write lawsuit clauses in contracts plan. In general, this corridor indicates that the plan must have been active for two years before the date of death so that the beneficies to collect benefits. If that amount of time has not passed, the policy is canceled and the money will run normally.

* Dirty game

Many insurance policies also reserve the right to withhold claims as a result of foul play. If the death was suspicious of the insured, the insurance company can expect to meet the terms of the policy until an investigation has been carried out.

This may sound like something out of a movie, but sadly, murder for insurance money has occurred in real life. If there is any chance that the recipient has played a role in the death of the policyholder, may be deprived of their earnings.

Insurers use the evidence of police and governmental investigations and their own investigators to take a decision on these claims. Some contracts even give the insurer the right to refuse claims if the beneficiary has not been charged with a crime.

* Accidental Death corridors

Most term life insurance policies cover all types of accidental death, but some are more accidents involving cyclists. These clauses allow the applicant to seek more death benefits to go to the beneficiary if his death is the result of an accident. This can cause an increase in the cost of the premium, but not so much as raising the benefit for other causes of death.

The insurance company is responsible for determining whether the cause of death was really an accident. Some of the reasons for denying a claim for incidental death must be stated in the contract under jockey or easily explainable by a company representative.

You can also order by accidental death and dismemberment insurance privately or through work. You can work in conjunction with term life insurance to provide additional benefits to those who are in a dangerous line of work.

* Make Claims

Fortunately, these circumances are rare. Buying term life insurance is an excellent way to protect loved ones and only a …

Home Insurance UK – Protector Of Homes

One the dreams that people had in all ages and which still exists is to have a house for themselves. Indeed, it can be termed as one big dream that everyone who is engaged in any profession has. It was there in every time, though less people had the resources to fulfill their dreams. Things, however, have undergone a complete transformation and today there is a large number of people who have the capacity to purchase or get a house constructed for themselves.

There are several reasons for this newly accepted status by people. None so important however, as the emergence of several utility services which are aimed at benefiting people. Thanks to them, acquiring lone for the purpose of making or purchasing a house becomes very easy. However, if after purchasing or constructing a house one thinks that his worries are over then one is sadly mistaken, for the trouble has just started. After the house has come into existence the next step is to protect it against all possible threats that can harm it. This is where home insurance UK comes into play and ensures that one is spared from the pains of arranging for money for the repair of house in case it undergoes any damage.

Home insurance is a complete security package giving security against such viable threats like lighting, floods, burglary and several other natural and man made threat which can cause considerable damage to the house. However, to gain maximum from home insurance one would do well to take care of a few things. First of all one must ensure that the policy comes to life as soon as it is signed, secondly one must find out the threats that one is protected from, also one must see to it that his house is priced fairly. In addition to all this one must also ensure that one does not default on monthly premiums as well as never furnishing any wrong information to the insurance company as acts like these can lead to the cancellation of the policy.

If precautions like these are taken then one can be rest assured that Home Insurance UK would go a long way in protecting your home from all possible threats. …

How Do I Get a Free Copy of My Credit Report?

Sometimes even good people can have bad things happened to them that may effect their credit report. Someone with a low credit score will have a hard time finding a lender willing to give them a loan or a credit card. If you do find someone willing to lend you money, you will most likely have a very high interest rate. Many people are left feeling that it is impossible to fix your credit report on your own and wonder; Who can help me to fix my bad credit? We have the answer to that question. Yes, there is an answer and help is available to you.

There are many reputable credit repair services to help you improve your credit score, if you have tried unsuccessfully in the past. Most companies will provide you a free credit consultation to let you know that they will be dealing with the task of contacting the credit bureaus, including making phone contact and writing letters to them. They can handle all of the dirty work for you in order to raise your credit score to the highest it can be.

While searching for a credit repair service to assist you, make sure you do your research on each company you are considering. There are many choices of credit repair companies available online to make it even easier for you to choose one, but going with the wrong one can make your credit even worse. Make sure the credit repair company you choose can show you their track record of helping other people.

Now, you are ready to begin your search for your free online credit report service. Congratulations! …

Financial Skills – How to Budget & Balance Accounts

I was surprised when I asked parents to tell me the life skills they wish their kids knew, and there was a resounding request for a few topics:

  • How to open a bank account
  • How to budget & balance accounts
  • How to write checks and pay bills
  • And how to start saving for retirement

It seems some of the things we take for granted are, as a result, missing from what we teach kids.

In the last article, we focused on opening a bank account. This article is the second article in the four-part series and will look at how to teach kids to budget and balance their accounts.

Budgeting

It’s not shock that budgeting can be boring and tedious. I’ve personally never been excited to sit down and create my budgets, but it’s something that creates wealth and pays off down the road.

So how do you get kids excited about it? How can you add a little glamour to something so dull and boring? Easy – make it a game with payoffs.

Firstly, it’s important to know how to create a budget, then to adhere to the budget.

Creating a Budget

You may have your own way to create a budget, and that’s fine. In my experience, the easiest way to make a budget is as follows:

On a piece of paper, draw a line down the middle:

  1. Spending BudgetCalculate your average monthly gross income and put that at the top of the page, then multiply it by.80 (for example, if you earned $1,000, you would end up with $800)
  2. Fixed ExpensesWrite down all of your FIXED expense categories (i.e. phone bill, insurance, mortgage etc… ) and put them in one column on the left side of the page
  3. Variable ExpensesNext write in the variable expense categories (i.e. food, gas, leisure, etc… ) and put them in another column on the right side of the page
  4. Fill in all of your expenses
  5. Net Budget after Fixed Expenses – Subtract fixed expenses from your spending budget

    If it’s a positive number, you don’t need to change anything
    If it’s zero or a negative number, you should look for expenses that you can cut or lower

  6. Budget variable expenses – Using your Net Budget after fixed expenses, determine what you can spend on variable expenses without overspending each month
  7. Set a budget for each variable expense so you know what you can spend on each category in a given month

Making it Fun

OK, now that you have a budget outline, it’s time to get the kids excited.

I know what you’re thinking: “My kids will never be excited for this.”

They will if you give them some prizes or payoffs. Here’s how:

First, tell them what a budget is and show them the paper. Next, tell them that you’re going to do a contest (if you have more than one kid, this works even better).

Contest 1: Anticipating Spending

The first contest is to see how …

Sharing Successful Content in Your Small Business

You definitely have a way with words. If you didn’t, you would not have gotten nearly as far as you have up to this point. However, it is one thing to write great, effective content but it is another thing entirely to share that content so that it successfully converts your target audience.

You must work toward your ultimate goal

The truth is that your challenges may be different if you have a small business than if you have a mid-size or a large business. You need to understand how to “speak” to your target audience members and how to eventually get them to buy what you are selling. You are a great writer and your content touches people in all sorts of emotional ways. However, someone who owns (or another key player) a large business may not be able to take what you are saying and adapt it to their particular situation.

As you read the content that other businesses post, you are not necessarily comparing apples to apples. If those businesses are not small, their approach and how they present the content will probably be very different from the way that you will do it. However, one thing that all businesses have in common is the necessity to share top-quality content with other people.

At this point, you are a great writer and your content touches people in all sorts of emotional ways. However, someone who owns (or another key player) a large business may not be able to take what you are saying and convert it to their particular situation.

Engagement is key, of course. If you can’t captivate your target audience and hold their interest over a prolonged period of time, you won’t get very far at all. Of course, before you even get to that point, you need to make sure that you have identified the most appropriate target audience for your business.

One of the big differences between a large- (or medium-) size business and a small business is that the larger businesses have a much larger budget from which to draw. Your business strategy much be extremely solid and your content must speak to people who can relate to who you are and to what you are offering.

Always make sure that your content is relevant

Not only does your content have to be relevant to your target audience but it also has to be relevant to your particular business. In some respects, that is more important than any amount of money that you either have or don’t have.

Your success as a small-business owner may have nothing to do with money. However, that is not to say that there is no price to pay. The cost is in time and effort on your part. If you want to become successful, you will have to work at it and to make sure that you share with your target audience members everything that they want and need. If you speak their language, they will …

3 Ways To Lower Your Home Insurance Rates

1. In the same way a new house gets cheaper rates, you get rebates if your house has undergone a renovation. This is because many things in such a home would then be in excellent condition. All renovations will not give you comparable discounts because the scope of renovation carried is normally an important factor. If you intend to get discounts this way, you've got to ask an agent how much you'll save.

2. You'll get a more affordable home insurance rate if you choose a higher deductible. A deductible is an amount an insured must pay before his / her insurer becomes duty-bound to fulfill the terms of their policy. For homeowners insurance policies, your deductibles will normally start from $ 250. Raising your deductible from $ 250 to $ 500, for instance, could save you up to 12 percent. Raising it to $ 1000 may result in 24 percent discount. Various insurers might give more or less therefore check with your agent before you make this decision.

3. You can see savings of hundreds of dollars on your home insurance policy by getting insurance quotes from insurance quotes sites. The best method is to visit at least three sites and ensuring that you provide the same (correct) details. I recommend that you use at least three quotes sites since that will make it less likely that you'll miss out better quotes not presented by the other sites. This provides you a broader basis for doing more thorough comparisons thatby increasing your chances of getting more for less. So make sure you do this right. …

Unlisted Drivers Can Cause Your Auto Insurance Rate to Skyrocket

Very few circumstances can cause your auto insurance rates to rise the way an unlisted driver can.

First, the basics. Auto insurance policies are written to cover your car, not necessarily the operator. What this means on the surface is that as long as you have given an individual “permissive use” of your vehicle, should that person become involved in an automobile accident, there should be coverage. The type of coverage that can be applied, of course, would depend on the type of car insurance you originally purchased. For instance, in the event your “permissive driver” is involved in an at fault accident, and you have purchased collision insurance coverage, collision would pay for the damages to your car, minus your deductible. But conversely, even if that driver was involved in a not at fault accident, you can expect your insurance company to take a closer look at your policy come renewal time.

As an example, assume that you loan your car to a friend on a one time basis for whatever reason. You can establish that this friend is not a consistent driver of your car, and you can verify that your friend does not live with you. What happens if your friend, the unlisted driver, becomes involved in an at fault car accident? Under the circumstances, your insurance policy would pay for the damages to your vehicle. Even if your friend has his own policy, that policy is not responsible to pay for your damages.

Will this create problems for you with the insurance company? Probably.

Normally, when insurance companies pay for an at fault accident, you can expect to suffer the consequences. Even though you are making payment on the relevant premiums, your insurance company will “penalize” you if you are involved in at fault accident. How is the penalty imposed? By way of a higher auto insurance rate.

And what about the fact that you permitted a friend to drive? Will that also boost your chances for a higher auto insurance rate? Probably so. Insurance companies tend not to respond well to “unlisted” drivers, at fault or not. In fact, with an unlisted driver in the driver’s seat, count on your insurance company to launch a claims investigation into the circumstances. More specifically, they will be looking into the possibility that the driver could live in your home. And, more than likely, they will also examine the driving history of the unlisted driver as well as whether or not that driver has insurance of his own.

Should you expect an increase in your auto insurance rates? Most definitely if the investigation divulges factors that increase your risk rating.

If the insurance company investigation reveals that the unlisted driver has a poor driving record, you can be fairly sure that this will be used against you when your auto insurance rate is calculated at the end of your insurance policy period. By association, if you allow an irresponsible driver to operate your insured vehicle, your risk scoring …