Chantelle Dalby's blog ::Cockatoos and Car Insurance

Chantelle Dalby's blog ::Cockatoos and Car Insurance

Ｍｏｓｔ               ｐｅｏｐｌｅ               ｄｏ               ｎｏｔ               ｅｖｅｎ               ｋｎｏｗ               ｔｈａｔ               ｎｏｎ-ｏｗｎｅｒｓ               ａｕｔｏ               ｉｎｓｕｒａｎｃｅ               ｅｘｉｓｔｓ. Ｇｅｎｅｒａｌｌｙ,               ｐｅｏｐｌｅ               ｗｈｏ               ｃａｎ               ｄｒｉｖｅ               ｆｉｎｄ               ａ               ｗａｙ               ｔｏ               ｇｅｔ               ａ               ｃａｒ               ｏｆ               ｔｈｅｉｒ               ｏｗｎ. Ｅｖｅｒｙｏｎｅ               ｋｎｏｗｓ               ｔｈａｔ               ｉｆ               ｙｏｕ               ｏｗｎ               ａ               ｃａｒ,               ｙｏｕ               ｈａｖｅ               ｔｏ               ｃａｒｒｙ               ａ               ｃｅｒｔａｉｎ               ａｍｏｕｎｔ               ｏｆ               ｌｉａｂｉｌｉｔｙ               ｉｎｓｕｒａｎｃｅ               ｔｏ               ｂｅ               ｌｅｇａｌ. Ｒｅｇａｒｄｌｅｓｓ               ｏｆ               ｗｈｏ               ｄｒｉｖｅｓ               ｔｈｅ               ｃａｒ,               ｔｈｅ               ｌｉａｂｉｌｉｔｙ               ｉｎｓｕｒａｎｃｅ               ｉｓ               ｉｎ               ｆｏｒｃｅ. Ｈｏｗｅｖｅｒ,               ｉｆ               ｙｏｕ               ａｒｅ               ａ               ｄｒｉｖｅｒ               ｏｆ               ａ               ｃａｒ               ｏｗｎｅｄ               ｂｙ               ａｎｏｔｈｅｒ               ｐｅｒｓｏｎ,               ｙｏｕ               ｃａｎ               ｈａｖｅ               ｓｏｍｅ               ｐｅｒｓｏｎａｌ               ｌｉａｂｉｌｉｔｙ               ｔｈａｔ               ｉｓ               ｎｏｔ               ｃｏｖｅｒｅｄ               ｂｙ               ｔｈｅ               ｃａｒ               ｏｗｎｅｒ'ｓ               ｐｏｌｉｃｙ. Ｎｏｎ-ｏｗｎｅｒｓ               ａｕｔｏ               ｉｎｓｕｒａｎｃｅ               ｉｓ               ｄｅｓｉｇｎｅｄ               ｔｏ               ｃｏｖｅｒ               ｄｒｉｖｅｒｓ               ｗｈｏ               ｄｏ               ｎｏｔ               ｏｗｎ               ａ               ｃａｒ.                Ｉｆ               ｙｏｕ               ｏｗｎ               ａ               ｃａｒ               ａｎｄ               ｉｔ               ｉｓ               ｉｎｓｕｒｅｄ,               ｙｏｕ               ｐｒｏｂａｂｌｙ               ｈａｖｅ               ｎｏ               ｗｏｒｒｉｅｓ               ａｓ               ｌｏｎｇ               ａｓ               ｙｏｕ               ｃａｒｒｙ               ｆｕｌｌ               ｃｏｖｅｒａｇｅ. Ｉｆ               ｙｏｕ               ａｒｅ               ｓｏｍｅｏｎｅ               ｔｈａｔ               ｄｏｅｓ               ｎｏｔ               ｏｗｎ               ａ               ｃａｒ,               ｙｏｕ               ｍａｙ               ｎｅｅｄ               ｔｏ               ｈａｖｅ               ｓｏｍｅ               ｃｏｎｃｅｒｎｓ               ｉｆ               ｙｏｕ               ｒｅｎｔ               ｃａｒｓ               ｏｒ               ｄｒｉｖｅ               ｏｎｅ               ｔｈａｔ               ｉｓ               ｎｏｔ               ｙｏｕｒｓ.                Ｗｈｅｎ               ｔｈｅｒｅ               ｉｓ               ａｎ               ａｃｃｉｄｅｎｔ,               ｎｏｎ-ｏｗｎｅｒｓ               ｉｎｓｕｒａｎｃｅ               ｐｉｃｋｓ               ｕｐ               ｔｈｅ               ｐｉｅｃｅｓ               ｔｈａｔ               ａｒｅ               ｍｉｓｓｅｄ               ｂｙ               ｔｒａｄｉｔｉｏｎａｌ               ｃａｒ               ｉｎｓｕｒａｎｃｅ.                Ｂｙ               ｂｕｙｉｎｇ               ｙｏｕｒ               ｏｗｎ               ｎｏｎ-ｏｗｎｅｒｓ               ｐｏｌｉｃｙ,               ｙｏｕ               ｐｒｏｔｅｃｔ               ｙｏｕｒ               ｉｎｔｅｒｅｓｔｓ               ａｎｄ               ａｓｓｅｔｓ               ｉｆ               ｙｏｕ               ｗｒｅｃｋ               ａ               ｃａｒ. Ａｓ               ｔｈｅ               ｄｒｉｖｅｒ,               ｙｏｕ               ａｒｅ               ａｌｓｏ               ｌｉａｂｌｅ               ｆｏｒ               ａｎｙ               ｄａｍａｇｅ               ｏｒ               ｉｎｊｕｒｉｅｓ               ｔｈａｔ               ｙｏｕ               ｃａｕｓｅ. Ｔｈｅ               ｃａｒ               ｏｗｎｅｒ'ｓ               ｉｎｓｕｒａｎｃｅ               ｗｉｌｌ               ｔａｋｅ               ｃａｒｅ               ｏｆ               ｍｏｓｔ               ｉｓｓｕｅｓ. Ｈｏｗｅｖｅｒ,               ｔｈｉｎｇｓ               ｌｉｋｅ               ｔｈｅ               ｄｅｄｕｃｔｉｂｌｅ               ｔｏ               ｈａｖｅ               ｔｈｅ               ｏｗｎｅｒ'ｓ               ｃａｒ               ｒｅｐａｉｒｅｄ               ｗｏｕｌｄ               ｂｅ               ｓｏｍｅｔｈｉｎｇ               ｔｈａｔ               ｎｏｎ-ｏｗｎｅｒｓ               ｉｎｓｕｒａｎｃｅ               ｗｏｕｌｄ               ｂｅ               ａｂｌｅ               ｔｏ               ｃｏｖｅｒ. Ｉｔ               ｃａｎ               ｐｒｏｔｅｃｔ               ｙｏｕ               ｆｒｏｍ               ｆｉｎａｎｃｉａｌ               ｒｕｉｎ               ｉｎ               ｔｈｅ               ｅｖｅｎｔ               ｏｆ               ａ               ｌａｗｓｕｉｔ.                Ｎｏｎ-ｏｗｎｅｒｓ               ｉｎｓｕｒａｎｃｅ               ｉｓ               ａｌｗａｙｓ               ｔｈｅ               ｌａｓｔ               ｐｉｅｃｅ               ｏｆ               ｔｈｅ               ｐｕｚｚｌｅ.                Ｍｏｓｔ               ｎｏｎ-ｏｗｎｅｒｓ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ               ｄｏ               ｎｏｔ               ｂｅｇｉｎ               ｔｏ               ｐａｙ               ｕｎｔｉｌ               ａｌｌ               ｏｔｈｅｒ               ｉｎｓｕｒａｎｃｅ               ｏｐｔｉｏｎｓ               ｈａｖｅ               ｂｅｅｎ               ｅｘｈａｕｓｔｅｄ. Ｂｅｃａｕｓｅ               ｏｆ               ｔｈｉｓ,               ｎｏｎ-ｏｗｎｅｒ               ｉｎｓｕｒａｎｃｅ               ｉｓ               ｒｅａｓｏｎａｂｌｙ               ｐｒｉｃｅｄ. Ｉｔ               ｉｓ               ｓｔｉｌｌ               ｎｏｔ               ｃｈｅａｐ. Ｙｏｕ               ｃａｎ               ｅｘｐｅｃｔ               ｔｏ               ｐａｙ               ｆｒｏｍ               $30               ｔｏ               $40               ｐｅｒ               ｍｏｎｔｈ               ｆｏｒ               ｔｈｉｓ               ｔｙｐｅ               ｏｆ               ｃｏｖｅｒａｇｅ. Ｏｎｅ               ｌａｒｇｅ               ｃｌａｉｍ               ｃａｎ               ｐｏｔｅｎｔｉａｌｌｙ               ｅｒａｓｅ               ｓｅｖｅｒａｌ               ｙｅａｒｓ               ｏｆ               ｐｒｅｍｉｕｍ               ｐａｙｍｅｎｔｓ. Ｙｏｕ               ａｎｄ               ｔｈｅ               ｏｗｎｅｒ               ｏｆ               ｔｈｅ               ｃａｒ               ｔｈａｔ               ｙｏｕ               ｄｒｉｖｅ               ｃａｎ               ｒｅｓｔ               ｂｅｔｔｅｒ               ｋｎｏｗｉｎｇ               ｔｈａｔ               ｙｏｕ               ｈａｖｅ               ｇｏｏｄ               ｉｎｓｕｒａｎｃｅ               ｃｏｖｅｒａｇｅ               ｔｏ               ｂａｃｋ               ｕｐ               ｔｈｅ               ｃａｒ               ｏｗｎｅｒｓ               ｐｏｌｉｃｙ.                Ｌｉｋｅ               ａｌｌ               ｃａｒ               ｉｎｓｕｒａｎｃｅ,               ｉｔ               ｐａｙｓ               ｔｏ               ｓｈｏｐ               ａｒｏｕｎｄ               ａ               ｌｉｔｔｌｅ               ｆｏｒ               ａ               ｎｏｎ-ｏｗｎｅｒｓ               ｐｏｌｉｃｙ.                Ｂｅｃａｕｓｅ               ａｌｌ               ｉｎｓｕｒａｎｃｅ               ｃａｎ               ｖａｒｙ               ａ               ｌｏｔ               ｉｎ               ｐｒｉｃｅ,               ｔｒｙ               ｔｏ               ｇｅｔ               ｓｅｖｅｒａｌ               ｑｕｏｔｅｓ               ｆｒｏｍ               ｄｉｆｆｅｒｅｎｔ               ｃｏｍｐａｎｉｅｓ               ｂｅｆｏｒｅ               ｍａｋｉｎｇ               ｔｈｅ               ｄｅｃｉｓｉｏｎ               ｔｏ               ｐｕｒｃｈａｓｅ               ｉｎｓｕｒａｎｃｅ. Ｔｈｅ               ｖａｒｉａｔｉｏｎ               ｗｉｌｌ               ｐｒｏｂａｂｌｙ               ｂｅ               ｌｅｓｓ               ｔｈａｎ               $100               ｐｅｒ               ｙｅａｒ,               ｂｕｔ               ｉｔ               ｃａｎ               ｓｔｉｌｌ               ｂｅ               ｗｏｒｔｈ               ｔｈｅ               ｅｆｆｏｒｔ               ｔｏ               ｓｈｏｐ. Ｍａｋｅ               ｓｕｒｅ               ｔｈａｔ               ｙｏｕ               ｕｎｄｅｒｓｔａｎｄ               ｗｈａｔ               ｅａｃｈ               ｔｙｐｅ               ｏｆ               ｃｏｖｅｒａｇｅ               ｅａｃｈ               ｑｕｏｔｅ               ｉｓ               ｏｆｆｅｒｉｎｇ. Ｓｏｍｅｔｉｍｅｓ,               ｉｔ               ｉｓ               ｂｅｔｔｅｒ               ｔｏ               ｐａｙ               ａ               ｌｉｔｔｌｅ               ｍｏｒｅ               ｔｏ               ｇｅｔ               ｓｕｐｅｒｉｏｒ               ｉｎｓｕｒａｎｃｅ.                Ｃａｒ               ｒｅｎｔａｌ               ａｇｅｎｃｉｅｓ               ｗｉｌｌ               ｆｏｒｃｅ               ｙｏｕ               ｔｏ               ｈａｖｅ               ｉｎｓｕｒａｎｃｅ.                Ｗｈｅｎ               ｙｏｕ               ｒｅｎｔ               ａ               ｃａｒ,               ｔｈｅ               ｒｅｎｔａｌ               ａｇｅｎｃｙ               ｗｉｌｌ               ｗａｎｔ               ｔｏ               ｓｅｅ               ｐｒｏｏｆ               ｏｆ               ｉｎｓｕｒａｎｃｅ. Ｉｆ               ｙｏｕ               ｄｏ               ｎｏｔ               ｈａｖｅ               ｉｔ,               ｙｏｕ               ｗｉｌｌ               ｈａｖｅ               ｔｏ               ｂｕｙ               ｔｈｅｉｒ               ｔｅｍｐｏｒａｒｙ               ｐｏｌｉｃｙ               ｆｏｒ               ａｂｏｕｔ               ｔｅｎ               ｔｉｍｅｓ               ｔｈｅ               ｃｏｓｔ               ｏｆ               ｎｏｎ-ｏｗｎｅｒｓ               ｉｎｓｕｒａｎｃｅ               ｔｏ               ｃｏｖｅｒ               ｔｈｅ               ｓａｍｅ               ｐｅｒｉｏｄ               ｏｆ               ｔｉｍｅ. Ｉｆ               ｙｏｕ               ａｒｅ               ｇｅｔｔｉｎｇ               ａ               ｇｏｏｄ               ｄｅａｌ               ｏｎ               ｔｈｅ               ｒｅｎｔａｌ               ｃａｒ,               ｙｏｕ               ｍｉｇｈｔ               ｊｕｓｔ               ｄｏｕｂｌｅ               ｔｈｅ               ｐｒｉｃｅ               ｂｙ               ｔｈｅ               ｔｉｍｅ               ｉｎｓｕｒａｎｃｅ               ｉｓ               ｆａｃｔｏｒｅｄ               ｉｎ. Ｗｉｔｈ               ａ               ｎｏｎ-ｏｗｎｅｒｓ               ｐｏｌｉｃｙ,               ｉｔ               ｗｉｌｌ               ｓａｔｉｓｆｙ               ｔｈｅ               ｒｅｎｔａｌ               ｃｏｍｐａｎｙ. Ｉｆ               ｙｏｕ               ｒｅｎｔ               ｓｅｖｅｒａｌ               ｃａｒｓ               ｐｅｒ               ｙｅａｒ,               ｔｈｅ               ｃｏｓｔ               ｓａｖｉｎｇｓ               ｃａｎ               ｂｅ               ｑｕｉｔｅ               ｓｉｇｎｉｆｉｃａｎｔ.

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1. ...and just practical (mortgage, house insurance, car insurance) stuff to do. Pray for me to model... good marriage time and contact with non-Christians - for good and ...

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2. ...Kopechne was murdered at Chappaquiddick because of a hit-run accident to my car on Sept. 16, 1968, at 10:45 pm -- Franklin and Lombard, San Francisco. Mayor Alioto ...

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