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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 …

Internet Marketing Tips – How to Make Wads of Extra Money Online

How would you like to make extra money online doing things that you love? There are a variety of work from home opportunities at your fingertips that do not cost a single dime for you start up! In fact, many of these programs actually pay you to take part in them.

1. Online Paid Surveys

Case in point, online paid surveys. Companies all through the world have commissioned online survey companies to collect the opinions of people from all walks of life. These online companies will pay you to simply sit down and share your thoughts about various products and services. All you have to do is share your opinion and you will be paid!

2. Article Writing

You can also make extra money online by writing articles for websites. If you are a talented and creative writer you can find an avalanche of opportunities wherein you simply will write articles on various topics and be paid for each article you write!

3. Producing Videos

Additionally, if you have any video talent whatever, you can start producing video blogs which you can then upload to websites such as YouTube and Viddler. Once you have established yourself as a creative and unique broadcaster, you can apply to become a Partner. You will then begin earning money each and every time someone views one of your videos.

Consider your talents and find those things that you love to do most in life. Chances are you will be able to find an easy way to make extra money online doing something that love to do! …

Biography Collection of Great Past Entrepreneurs – A Book Review

Andrew Carnegie has been noted for saying that if you want to be successful in business then you must do what successful people do. And to do that you must study how they lived, what they did and get some insight into their methods of operation. This is indeed good advice which no one can deny. Perhaps, this is why business students, professors, and future entrepreneurs study all the great business leaders of the past?

Since this is the case, I'd like to recommend a very good book to you about past great entrepreneurs, it is a collection of their biographies, shortened course, and it is still on my bookshelf after all these years. The book is:

"The Entrepreneurs – Twelve Who Took Risks and Succeeded" by Robert L. Shook; Harper and Row Publishers, New York, NY; 1980. ISBN: 0060140259.

There were numerous standout great quotes, one of them that I liked was by W. Clement Stone; "I do not care what field you are in, anyone who really wants to be successful must develop a plan to duplicate their success."

Another great thing the reader will take away from this book was the authors note that if you want to win in business you must have goals; "Write down your goal, give yourself a deadline, set high standards, aim high."

This book profiled such great past entrepreneurs as; John W. Galbreath, W. Clement Stone (insurance), Mary Hudson (oil), Dale W. Lang (media), S. Roger Horshow, William J Richards (farming), Mary Kay Ash, Joseph Sugarman, Richard Schultz, William McCowan, and John Delorean. And it explained their similarities, attitudes, methods, big business deals and drive. I know you will love this book as much as I did and hopefully like me you will keep it on your shelf for a reference, please consider this. …

Why Do You Need Title Insurance?

If you have ever purchased a house through a realtor and with a mortgage, then you have seen a title commitment. This is a "bill of health" from a title insurance company, alerting you to those owners the property you are purchasing and to any liens, mortgages, or encumbrances on the property. It is essential that you get a title commitment and title insurance.

A typical sales agreement requires the seller to give the buyer a "warranty" deed. The word "warranty" means that the seller is guaranteed to the buyer that he / she owns the property, that it consist of the legal description set forth in the title commitment, and that the liens, encumbrances, and mortgages will have been discharged at the time of closing so that the property is transferred without any baggage. As an aside, if the sales agreement was signed by one person but the title commitment indicating that there are two owners of the property, both of the owners must sign the closing documents for the sale to be consummated. If the property is owned by an estate (because the owner died), the personal representative may need to get a court order to obtain the authority to sign a deed on behalf of the estate. If the property is owned by a corporation, then a majority of the shareholders must consent to the sale through a corporate resolution for the sale to be effective.

When there is no title insurance guaranteeing the legal description, the legal owner, and the absence of encumbrances at the time of closing, the buyer usually receives a mere "quit claim" deed. This means "buyer beware" -in spades. The buyer may later have a claim for fraud against the seller, but that means a lawsuit and potential problems with collecting on a judgment. If, on the other hand, you have title insurance and discover that legal description was wrong, the seller did not have the right to sell the property, and / or liens or other encumbrances were not disclosed or not discharged, you can file an insurance claim and hopefully be paid almost immediately.

When you buy property, especially if it has been foreclosed or you are buying it as a "short sale," be sure to get a title insurance commitment. The commitment provides direction for what needs to be done to remove liens, encumbrances, and mortgages from the public record. The commitment, however, can "expire." There is a date, usually at the top, that reflects the last date that title to the property was checked. You can request that the title commit be "updated" to the date of the sale. If it is not and you accept a commitment with a stale date, then you may not be able to complain if the IRS filed a lien against the property the day before the sale, and the title company did not discover it. Because title insurance companies are connected these days to the Register of Deeds office, it is …

The Keys to Effectively Managing Your Money

Are you the member of the family who is in charge of managing the money? In case you are married or living with someone, one of you should do the bills. At least that's how I see it. Managing the money need not be a painful chore. As`long as intelligence, combined with common sense is exercised. I would imagine that you would not want anything bouncing. I have my own phrase for that – intelligently managing your money. You should keep track of everything and stick to your budget.

It would be a bad idea to spend more than you can afford to. We all have different income levels but no matter how much it is, we should try to stick to it without charging. There might be exceptions to this rule but is a new toy, a television or a CD player one of them?

Capital is simply one of the things we never seem to have enough of. What I have found myself to be the key to this situation is to make the most of what I have. This means we should try to manage our own money as good as possible. Maybe you have set some money as for a wise investment. Making investments for the future is a good way to manage your money. But yet you should keep it to a limit.

My wife and I started managing our money a bit better recently. What made our budget weak was our wish to shop at that fancy grocery store. There are the products and meat are organic, corn fed, no antibiotics and pesticides. It is all good but it costs a lot. These grocery stores are quite expensive, so what is the deal with the food? It is worth eating well.

However, we spend too much of our budget on food each week. We just needed to change that and start spending our money more wisely. That's how we set a certain weekly amount of money for groceries and we stuck to it. Who said that managing your money can not be done has obviously made a big mistake.

Are you managing your money and not going into debt? Do not forget that one day retirement will come and you will then want to have money put aside. Those days of not working might come soon. Make sure you are ready when this happens. In case you do not know how to handle your own budget and need some help, it is a good idea to hop online and get some tips on managing your money properly. The Internet is the prime place to get free data which will aid you in managing your money for the future. …

How to Choose a Tattoo Design

Choosing a tattoo design is a huge decision and obviously one that has life long implications. Here are three principals to apply when choosing a tattoo design.

1. Passion. What do you have true passion for? You can seldom go wrong when choosing a tattoo design if you can answer this question. True passion means “lasting passion”. It’s not enough to just feel passionate about something that could potentially be fleeting. Feeling true passion for something means that it is not a fad or an ideal that rolled in with the tide and will roll out the same way. True passion is not only strong in the moment, but strong in the long run. It is true that even a seemingly long lasting passion can unexpectedly simmer down or altogether disappear, such as a marriage. Thus passion towards a generalized state of who you are, what your character is, or those whom you will always love no matter what are things to consider when applying passion for a strong tattoo image. And if a particular passion does fade, the tattoo design can serve as a reference as to what passion feels like. Then that particular tattoo design can be applied to greater endeavors in your life to come, and can still serve as an overall symbol for passion.

2. Symbolism. A tattoo design has long been known to serve as a symbol for something. Choosing symbolism as a means to find the right tattoo design can serve both the purpose of providing meaning to the tattoo, while also helping you greatly narrow down your decision. For instance sailors used to get a nautical star tattoo design as a symbol for guidance and protection. Here you have a simple star suddenly taking on a much stronger importance as a tattoo design with strong symbolism.

3. Individuality. Finally, a tattoo design is personal. It is not a car or piece of clothing you are going to buy, only to discard when the latest trends tell you it’s time to move on. No, this is going on there for good. So before getting a chain link around your bicep or a rose on your ankle, because your girlfriends or the guys at the gym got the same, think instead about implementing your own individuality into a tattoo design. But if it is a generic design and you do you feel a personal attachment to it, you truly enjoy the particular image, then do consider it. There is an old school black tiger tattoo design that many people take a personal liking to and have made the decision to have it inked. To test out your personal feelings towards a particular tattoo design, it’s always wise to wait six months to a year, and then see if the feeling still holds strong. A tattoo design absolutely does not have to be originally made for it to be personal. Most of the time, quite the contrary, since there are so many wonderful, beautiful, stunning, and …

Using ClickBank to Make Money Online

ClickBank has become synonymous with affiliate marketing in the past couple of years. This website offers a valuable service to both those with products who want to sell and those who want to sell but have no product.

As an affiliate, signing up to an affiliate network will make things very easy for you will not need to manage multiple usernames and passwords for each product you promote. You can simply use the linking structure provided to you by the network to link to any product website that you choose. Then, when a sale is made the affiliate network takes care of the payment processing and makes sure that you get paid your responsibilities.

ClickBank is the most easy to use, and highly effective Affiliate networks available. All products are digital in nature and can be immediately delivered over the internet. Although ClickBank is very easy to use and we highly recommend using it, there is a low level of fraud protection provided. Although the refund rates of many products are very small, some people have taken advantage of the guarantee available for all CB products.

Let's look at selling your product through them first. If you have any type of informational product, you can set up an affiliate program through them and have hundreds of vendors selling it for you in no time flat. The setup fee for placing a product on ClickBank is $ 50, but once you have your account set up, you can add as many products as you wish. They charge you a percentage for each product sold through their affiliates.

The advantage to using them as your affiliate program organizer is that you do not have to apply for an expensive merchant account, the website handles all payments. They also organize your affiliates so you can make sure that you pay your vendors on time, and can see at a glance how many people are selling your products.

Also, ClickBank has a pool of about 100,000 affiliates, so you do not have to struggle to attract two or three sellers to your site; they are already there, browsing for new opportunities. It can save the average webmaster a lot of time, as opposed to setting up your own affiliate program by writing your own code and then trying to find people to sell the products.

Now, if you are interested in becoming one of those 100,000 affiliates that ClickBank boasts of, you can sign up for free. Everything on the site is an information product, so you can download them immediately once you pay.

The data base on the ClickBank website is massive, with thousands of products to choose from. Each one has vital information such as the price and the percentage that you, the affiliate will receive. Becoming an affiliate for any of these products is extremely easy; you simply need to plug your ID into the code given for each product! The ID works with any product in the data base and …

Homeowners Insurance for a Mobile Homes in Oklahoma

A sad fact in the state of Oklahoma is that there are over fifty tornadoes there each year. For everyone living there this is obviously a fact of life they have grown accustomed to. In addition to being prepared by knowing what to do when a storm like this is approaching, it's important for all homeowners to have adequate insurance in place.

Homeowner's insurance for a mobile home in Oklahoma is essential. Not only does it offer some protection in the wake of a tornado or a heavy thunderstorm, but it also provides peace of mind to the homeowner in the case of a theft or fire. Although many people mistakenly believe they can save money by simply not purchasing home insurance at all, this can lead to disaster. Mobile homes are often intolerable to incredible damage during a storm or fire and without insurance the homeowner will be without refugee and will have to start all over from square one.

When shopping for mobile home insurance there are a few things to keep in mind. One is the area of ​​Oklahoma that you live in. Most manufactured homes are located within mobile home communities. Quite often these are located on the outskirts of large cities. Someone living in this type of setting can actually expect to pay a bit more in premiums for their home insurance than someone living in a rural location.

The age of the mobile home itself will also be a factor in determining the bottom line cost for the home insurance. Newer mobile homes are often provided with better safety features including pre-installed smoke alarms and the latest wiring. If someone purchases a manufactured home that is several years old, they may save on the initial purchase price but there's a strong likelihood that they'll end up paying substantively more in insurance costs because their home is viewed as more of a risk. …

Regulatory Requirements And Their Impact On Your Business

Regulatory requirements, as the term implies, are requirements mandated by relevant authorities for your business. Anything closely or remotely related to your business must be within your purview. Complete information on such requirements facilitates the future course of action and advances any fines or obligations attached.

The requirements serve as a legal fence. A full understanding of these requirements is also crucial for achieving competitive edge. The key terms here are the right direction and, therefore, the strategy or the business direction must be carefully drafted to ensure that it is right.

The basic regulatory frameworks and acts that govern the present business operations include Sarbanes Oxley Act (SOX), 2002), Gramm-Leach-Bliley Act (1999), and Health Insurance Portability and Accountability Act (HIPAA, 1996).

The specific requirements vary and require careful study; However, at the core, these regulatory tools ensure that your operations benefit the society. Accountability, integrity, confidentiality, transparency, and availability are few of the functions served by the regulatory framework.

The basic impact of the regulatory requirements on your business depends largely on how you perceive and implement them. Ignorance or negligence towards this end can lead to eventual negative consequences.

The Customer:

An important area affected is the customer trust and association with you. How you produce is an important determinant of how much you sell. The modern consumer is becoming increasingly cautious of things that go one backstage.

The Associate:

In the same category falls the impact of such obligations on your prospective associations, mergers or alliances. The other party is wary of defaulters or partners who are continuously avoiding the legal net by wrong means for wrong reasons.

The Future:

Anticipating future changes and their implications are important in case of regulatory requirements. Investments or other critical decisions made without taking into account such factors could cause huge losses in times to come. A minor amendment or an introduction could kill the profit streams and might entail huge configurations in your plans. So make sure to include regulatory commitments while planning.

Regulatory requirements are supposedly to benefit the society and you but what is important is how you mold them to gain. Do not expect to sit back and wait for things to change for you; Rather, make necessary changes in the overall business strategy that includes the regulatory requirements as a complementary add-on. …

How To Make Money By Giving A Free Course

Suppose you could give away free access to a course to anyone and everyone.

And further suppose that by giving away the course, you can make $10,000 a month.

Interested? Here’s how one bloke (we’ll call him Jim) is doing exactly that:

Jim created a large, comprehensive course aimed at newbies who want to start an online business.

Mind you, he didn’t create it from scratch. Rather, he took the best PLR he could find and repurposed it into a massive course that teaches people all of the main methods of online marketing, such as PPC, affiliate marketing, list building, flipping websites, Amazon, selling software, creating info products, blogging and so forth.

In the course, he includes the basics of each method and encourages his students to choose a method and get busy building their business.

Then for each method, he promotes an affiliate link for the ‘best’ in-depth course in each category.

Now pay attention to this next bit – he only promotes recurring courses. That is, membership type courses and sites that bill month after month.

So when he makes a sale, he’s going to continue to get paid on it for as long as that person remains a member.

It gets even better, because he also promotes related products such as web hosting, autoresponders and so forth. Anything that makes sense, works and bills monthly is a product he’s likely to promote.

And he doesn’t even stop there. He is also creating his own recurring courses on each topic. Once he finishes a course, he puts it online and then changes the corresponding affiliate links to his own course.

He likes to make each course a set length of time such as six to eight months, because he’s found the students tend to stay longer and pay more when there is an ‘end’ in sight.

And of course inside each of his own courses, he promotes corresponding products that help his students build their businesses better and faster.

He does all of this by first building trust with his list, showing that he knows what he is talking about, and being the reader’s advocate and teacher.

Creating the trust is crucial, and it’s pretty darn easy, too. When you tell your readers the good and the bad of any money making method, they start to trust you. Remember, most marketing emails for online business type products are only telling the subscribers how great something is. They don’t tell what’s not so great. But he always gives his opinion, both good and bad, and because of that people love him, trust him and pretty much do whatever he says to do.

So by the time he gets around to promoting affiliate links, his readers are taking his suggestions without a second thought.

I know he’s earning at least $10,000 a month with this method, and frankly he’s not working all that hard, either. The main thing he focuses on is continuing to bring new people into his free …

Cheap Auto Insurance Policy With the Good Ones

There are many things to think about when buying automobile insurance other than price alone. You need to carefully consider all the insurance coverage options, which will play a large role in the cost of your premiums.

It may sound a bit confusing, but getting the cheapest policy may, in reality, cost you serious money down the road. Why you might ask? Getting the state minimum coverage may leave you naked so to speak. In the event you get into an automobile collision, the amount of coverage you need to cover the accident might be considerably more than your policy limits.

Even worse, you could get sued and have your wages garnished. If you hurt another person in an accident you caused and could not pay for all their medical bills, you likely will.

Get the best Car Insurance for Your Needs

Let’s stick with the cheapest type of insurance plan, basic liability insurance. If you get the state minimums, you can get monthly rates as low as $30. The problem is, your car could be worth $15,000 or more. If you get into a collision, guess what, your plan would not pay for repairs to your vehicle. If it is completely totaled, that means you have just lost $15K, which is a lot of money.

Now that low-cost liability policy just cost you thousands. Simple public liability and property damage should only be used under certain circumstances. For example, if you have a vehicle that is worth less than $3,000 and you do not drive it much, maybe you can take this risk. Also, if you are a college student with an old ride not worth much, you can take the risk and stay within your budget. However, if you have an expensive car and assets to protect, you are going to need to buy added protection.

The other thing to consider with these cheaper policies is legal liability. The United States is a very litigious country. There are literally tens of thousands of injury attorneys looking for new cases. This means if you get into a vehicular incident that you were deemed to be responsible for, a limited policy can come back to bite you. Let’s say you only have protection of $50,000 in medical damages. You check your cell phone while driving, run a red light and T-bone a nice lady in a used Honda. She goes to the hospital for two weeks and racks up $250,000 in hospital expenses.

Her lawyer will immediately sue you for the balance of these costs, which in this example is $200,000. You can go to court and fight this, but it will cost you thousands to hire an attorney. The judge in this example might award the victim the $200,000 plus legal fees, which would more than likely devastate you. There might be a payment schedule of $2,000 a month taken out of your paycheck for ten years. So your money saving $39 a month policy in the long run …