The complexities and lack of clarity about the methods of calculating premiums and including certain exceptions in car insurance policies have left people guessing and this has resulted in some myths that float in the air. No one knows for sure as to what can qualify for an insurance claim and what might be debarred from claiming. Myths are often considered to be true and this leads to misunderstandings.
This article attempts to break some myths and throw light on facts and actual conditions that are applicable for car insurance. This should help car owners to know their limits and avoid being on the wrong side of the law that can even result in rendering car insurance policies invalid. Let us see what the truth really is.
Specific colors of car can make insurance expensive
The color of cars does not matter to insurance companies in working out the cost of insurance. The type of vehicle is the main concern of insurance companies as it relates to the safety record of the category and how attractive it is to thieves. The cost of repairs that the type of car might entail is also what is looked into. History of accidents, total distance driven in a year, driving preferences – during the day or night and the preferred driving routes are all considered to work out the premium but never the appearance of vehicles.
Accidents from others’ fault would exempt the payment of excess
In the event of any claim the insured person has to pay a certain sum of money that is known as excess. This condition is built into the agreement that a car owner enters with the insurance company and it has to be honored regardless whether the accident has happened for the fault of someone else or even if the car is stolen.
Prior driving conviction disqualifies the driver from getting auto insurance
Click4Warranty says car insurance companies have factored the risks of driving conviction into the insurance products that they offer and does not disqualify a person who has been convicted for some reasons of breaking the road rules from obtaining car insurance. However, the record of driving conviction would make the policy costlier except for speeding conviction that does not entail any extra cost of insurance. Even if you have been convicted for driving any other types of vehicles likes van or motorbike it is better to disclose it at the time of taking the insurance so that you are not taken by surprise at the time of settlement of claims.
No claim bonus is affected by windscreen claims
Claims pertaining to windscreens only do not impact the no claim bonus status of the policy in any way. Only the insurer has to pay his or her share of excess as per agreement.
The insurance company takes the liability of loan repayment when the car is written off
This is not true as the written off value is lower than the outstanding loan. To make the insurance company repay the loan you have to get cover of GAP insurance.
𝗠𝗮𝘀𝘀𝗶𝗮𝗵𝗴 𝗕𝗿𝗲𝗮𝗸𝘀 𝗕𝗼𝘂𝗻𝗱𝗮𝗿𝗶𝗲𝘀 𝗥𝗲𝗽𝗼𝗿𝘁𝗲𝗱 𝗯𝘆 𝗜𝗺𝗮𝗻𝗶 𝗪𝗷 𝗪𝗿𝗶𝗴𝗵𝘁
“𝗜𝘁’𝘀 𝘁𝗵𝗲 𝗺𝗲𝗻𝘁𝗮𝗹𝗶𝘁𝘆 𝗜’𝗺 𝗸𝗲𝗲𝗽𝗶𝗻𝗴. 𝗬𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗻𝗲𝘃𝗲𝗿 𝘀𝘁𝗼𝗽 𝗶𝘁.” – 𝗠𝗮𝘀𝘀𝗶𝗮𝗵𝗴
𝗬𝗼𝘂 𝗸𝗻𝗼𝘄, 𝘁𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 𝘀𝗲𝘃𝗲𝗿𝗮𝗹 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝘁𝗵𝗮𝘁 𝗮𝗿𝘁 𝗰𝗮𝗻 𝗽𝗹𝗮𝘆 𝗶𝗻 𝗼𝘂𝗿 𝗹𝗶𝘃𝗲𝘀. 𝗜 𝗰𝗼𝘂𝗹𝗱 𝗵𝗼𝗻𝗲 𝗶𝗻 𝗼𝗻 𝘀𝗲𝘃𝗲𝗿𝗮𝗹 𝗮𝗿𝘁 𝗳𝗼𝗿𝗺𝘀, 𝗯𝘂𝘁 𝗹𝗲𝘁’𝘀 𝗳𝗼𝗰𝘂𝘀 𝗼𝗻 𝗺𝘂𝘀𝗶𝗰 𝗳𝗼𝗿 𝘁𝗵𝗲 𝘁𝗶𝗺𝗲 𝗯𝗲𝗶𝗻𝗴. 𝗠𝘂𝘀𝗶𝗰 𝗵𝗮𝘀 𝘁𝗵𝗲 𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝘁𝗼 𝗺𝗼𝘁𝗶𝘃𝗮𝘁𝗲 𝘂𝘀 𝘄𝗵𝗲𝗻 𝘄𝗲 𝗻𝗲𝗲𝗱 𝘀𝗼𝗺𝗲 𝗽𝗮𝘀𝘀𝗶𝗼𝗻, 𝗮𝗻𝗱 𝗰𝗼𝗻𝘀𝗼𝗹𝗲 𝘂𝘀 𝘄𝗵𝗲𝗻 𝘄𝗲’𝗿𝗲 𝗶𝗻 𝗮𝗻 𝗲𝗺𝗼𝘁𝗶𝗼𝗻𝗮𝗹 𝘀𝗹𝘂𝗺𝗽. 𝗧𝗵𝗶𝘀 𝗴𝗼𝗲𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗹𝗶𝘀𝘁𝗲𝗻𝗲𝗿𝘀, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗰𝗿𝗲𝗮𝘁𝗼𝗿𝘀. 𝗔𝗻𝗱 𝗮𝘀 𝗜 𝘀𝗶𝘁 𝗵𝗲𝗿𝗲 𝗮𝗻𝗱 𝘁𝗵𝗶𝗻𝗸 𝗮𝗯𝗼𝘂𝘁 𝗶𝘁, 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗽𝘂𝗿𝗲𝘀𝘁 𝗮𝘀𝘀𝗲𝘁𝘀 𝗼𝗳 𝗺𝘂𝘀𝗶𝗰 𝗺𝗮𝘆 𝗯𝗲 𝘁𝗵𝗲 𝗳𝗿𝗲𝗲𝗱𝗼𝗺 𝘁𝗵𝗮𝘁 𝗶𝘁 𝗲𝗻𝘁𝗮𝗶𝗹𝘀. 𝗧𝗵𝗶𝘀 𝗽𝗲𝗿𝘁𝗮𝗶𝗻𝘀 𝗳𝗼𝗿 𝗯𝗼𝘁𝗵 𝘀𝗶𝗱𝗲𝘀, 𝘁𝗵𝗲 𝗹𝗶𝘀𝘁𝗲𝗻𝗲𝗿𝘀 𝗵𝗮𝘃𝗲 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘁𝗼 𝗶𝗻𝘁𝗲𝗿𝗽𝗿𝗲𝘁 𝗮𝗻𝗱 𝗱𝗲𝘃𝗲𝗹𝗼𝗽 𝘄𝗵𝗮𝘁𝗲𝘃𝗲𝗿 𝗳𝗲𝗲𝗹𝗶𝗻𝗴𝘀 𝘁𝗵𝗲𝘆 𝗮𝗰𝗰𝗿𝘂𝗲, 𝗮𝘀 𝘁𝗵𝗲 𝗮𝗿𝘁𝗶𝘀𝘁𝘀 𝗵𝗮𝘃𝗲 𝘁𝗵𝗲 𝘀𝗽𝗮𝗰𝗲 𝘁𝗼 𝗺𝗮𝗻𝗶𝗽𝘂𝗹𝗮𝘁𝗲 𝘀𝗼𝘂𝗻𝗱𝘀 𝘁𝗵𝗲 𝘄𝗮𝘆 𝘁𝗵𝗲𝘆 𝘀𝗲𝗲 𝗳𝗶𝘁. 𝗪𝗵𝗶𝗹𝗲 𝗹𝗶𝘀𝘁𝗲𝗻𝗶𝗻𝗴 𝘁𝗼 𝗠𝗮𝘀𝘀𝗶𝗮𝗵𝗴’𝘀 𝗽𝗿𝗼𝗷𝗲𝗰𝘁, 𝗔𝗚𝗔𝗜𝗡𝗦𝗧 𝗧𝗛𝗘 𝗚𝗥𝗔𝗜𝗡𝗦, 𝗶𝘁’𝘀 𝗰𝗹𝗲𝗮𝗿 𝘁𝗵𝗮𝘁 𝗠𝗮𝘀𝘀𝗶𝗮𝗵𝗴 𝗶𝘀 𝗶𝗻𝗰𝗿𝗲𝗱𝗶𝗯𝗹𝘆 𝗶𝗻-𝘁𝗼𝘂𝗰𝗵 𝘄𝗶𝘁𝗵 𝗵𝗶𝘀 𝗮𝗿𝘁𝗶𝘀𝘁𝗿𝘆.
𝗪𝗵𝗲𝗻 𝘁𝗵𝗲 𝗶𝗻𝘁𝗿𝗼 𝘁𝗿𝗮𝗰𝗸 “𝗖𝗛𝗔𝗞𝗥𝗔𝗦,” 𝗰𝗼𝗺𝗲𝘀 𝗼𝗻, 𝘁𝗵𝗲 𝗮𝘁𝗺𝗼𝘀𝗽𝗵𝗲𝗿𝗲 𝗼𝗳 𝘁𝗵𝗶𝘀 𝗽𝗿𝗼𝗷𝗲𝗰𝘁 𝗶𝘀 𝘀𝗲𝘁. 𝗠𝗮𝘀𝘀𝗶𝗮𝗵𝗴’𝘀 𝗳𝗼𝗿𝗲𝗴𝗿𝗼𝘂𝗻𝗱 𝗮𝗻𝗱 𝗯𝗮𝗰𝗸𝗴𝗿𝗼𝘂𝗻𝗱 𝗮𝗽𝗽𝗿𝗼𝗮𝗰𝗵 𝘀𝗵𝗼𝘄 𝗳𝗲𝗮𝗿𝗹𝗲𝘀𝘀𝗻𝗲𝘀𝘀. 𝗛𝗲 𝗵𝗼𝗹𝗱𝘀 𝗻𝗼𝘁𝗵𝗶𝗻𝗴 𝗯𝗮𝗰𝗸 𝘄𝗶𝘁𝗵 𝗵𝗶𝘀 𝗳𝘂𝗺 𝗯𝘂𝘁 𝗿𝗶𝗴𝗼𝗿𝗼𝘂𝘀 𝗯𝗮𝗰𝗸𝗴𝗿𝗼𝘂𝗻𝗱 𝗮𝘀𝘀𝗲𝗿𝘁𝗶𝗼𝗻𝘀. 𝗧𝗵𝗲𝘆 𝗮𝗱𝗱 𝗮 𝗰𝗲𝗿𝘁𝗮𝗶𝗻 𝗹𝗲𝘃𝗲𝗹 𝗼𝗳 𝗶𝗻𝘁𝗲𝗻𝘀𝗶𝘁𝘆 𝘁𝗼 𝗲𝗮𝗰𝗵 𝗹𝗶𝗻𝗲. 𝗛𝗲 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗹𝗲𝘁 𝘂𝗽, 𝘁𝗵𝗶𝘀 𝘀𝘁𝗮𝘆𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗱𝘂𝗿𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗿𝗼𝗷𝗲𝗰𝘁. 𝗧𝗵𝗮𝘁 𝗶𝘀 𝗷𝘂𝘀𝘁 𝗼𝗻𝗲 𝗲𝘅𝗮𝗺𝗽𝗹𝗲 𝗼𝗳 𝗵𝗶𝘀 𝗼𝘃𝗲𝗿𝗮𝗹𝗹 𝘀𝘁𝗲𝗮𝗱𝗳𝗮𝘀𝘁𝗻𝗲𝘀𝘀 𝗮𝗻𝗱 𝗱𝗲𝗱𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝘁𝗼 𝗵𝗶𝘀 𝘀𝗼𝘂𝗻𝗱.
“𝗗𝗼𝗻’𝘁 𝗻𝗲𝗲𝗱 𝗰𝗿𝗲𝗱𝗶𝘁 𝗼𝗿 𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹.”
𝗪𝗲 𝗮𝗹𝘀𝗼 𝗵𝗲𝗮𝗿 𝗱𝗶𝘃𝗲𝗿𝘀𝗶𝘁𝘆 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗽𝗿𝗼𝗷𝗲𝗰𝘁𝗶𝗼𝗻. 𝗧𝗵𝗲 𝗶𝗻𝘀𝘁𝗿𝘂𝗺𝗲𝗻𝘁𝗮𝗹𝘀 𝗮𝗿𝗲 𝗻𝗼𝘁 𝘀𝘁𝗮𝗴𝗻𝗮𝗻𝘁, 𝗮𝗻𝗱 𝘁𝗵𝗲𝘆 𝗰𝗮𝗿𝗿𝘆 𝘀𝗲𝘃𝗲𝗿𝗮𝗹 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝘀𝘁𝘆𝗹𝗲𝘀 𝗼𝗳 𝘀𝗼𝘂𝗻𝗱 𝗮𝗻𝗱 𝗲𝗹𝗲𝗺𝗲𝗻𝘁𝘀. 𝗬𝗼𝘂 𝗵𝗲𝗮𝗿 𝗵𝗲𝗮𝘃𝘆 𝗧𝗿𝗮𝗽 𝗯𝗮𝘀𝘀 𝗼𝗻 𝘁𝗵𝗶𝘀 𝗽𝗿𝗼𝗷𝗲𝗰𝘁, 𝗯𝘂𝘁 𝘆𝗼𝘂 𝗮𝗹𝘀𝗼 𝗵𝗲𝗮𝗿 𝗥𝗻𝗕 𝗦𝗼𝘂𝗹 𝘀𝗮𝗺𝗽𝗹𝗲𝘀 𝗼𝗳 𝗔𝗹 𝗚𝗿𝗲𝗲𝗻. 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗻𝗼 𝗳𝗲𝗮𝗿 𝗵𝗲𝗮𝗿𝗱 𝗼𝗻 𝗔𝗚𝗔𝗜𝗡𝗦𝗧 𝗧𝗛𝗘 𝗚𝗥𝗔𝗜𝗡, 𝗮𝗻𝗱 𝗶𝘁 𝗰𝗮𝗻 𝗹𝗶𝗴𝗵𝘁 𝗮 𝗳𝗶𝗿𝗲 𝗶𝗻𝘀𝗶𝗱𝗲 𝗼𝗳 𝘆𝗼𝘂.
𝗧𝗮𝗸𝗲 𝗮 𝗟𝗶𝘀𝘁𝗲𝗻: 𝗵𝘁𝘁𝗽𝘀://𝗼𝗽𝗲𝗻.𝘀𝗽𝗼𝘁𝗶𝗳𝘆.𝗰𝗼𝗺/𝗮𝗹𝗯𝘂𝗺/𝟬𝗤𝟮𝗶𝘀𝗩𝗨𝟴𝗭𝗽𝗜𝗴𝟰𝗡𝗝𝘇𝗳𝗯𝗪𝗫𝗽𝗪?𝗻𝗱=𝟭
𝗠𝗮𝘀𝘀𝗶𝗮𝗵𝗴 𝗼𝗻 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: 𝘄𝘄𝘄.𝗶𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺.𝗰𝗼𝗺/𝗺𝗮𝘀𝘀𝗶𝗮𝗵𝗴
Dr. Sudhir Bhola – The Famous Indian Ayurvedic Doctor.
Contrary to the widespread belief amongst the masses, a doctor or a medical practitioner with aid of medicines is the only medium to solve critical problems like erectile dysfunction or P.E., however, this is not true. In the spectrum of majority sexual disorders, counseling plays a pivotal role as compared to medicines.
A plain dialect with a psychologist can work wonders and help you to overcome your fears & stigmas around sexual performance; speaking of which, how can one miss to mention the best Sexologist doctor from India, Dr Sudhir Bhola. Dr. Bhola firmly believes in the balanced theory of medicines, counseling, and lifestyle changes. His ideology of perfect blend between cognitive and behavioral aspects has helped him bag some of the most prestigious awards in the field of sexology over the past 20 years. He is a renowned doctor who has been practicing for over three decades, helping and guiding patients from all over the world.
Born on 8th November 1965 to a humble household, he is an active member of many eminent associations around the globe like the European Society for Sexual Medicine, National Ayurvedic Medical Association of U.S.A., International Society for Sexual Medicine, The American College of Sexologists, and many more. Dr. Bhola has been active in many charitable events and aims to make the millennials and GenZ more vigilant and informed about the importance of sex education. He is one of the first doctors to introduce Linear shock wave ED therapy in India, which has emphatically proven that even without medicines, critical sexual-disorders can be treated.
India, bestowed by the gift of Ayurveda by Seers and Rishis, itself highlights the profound connection between the mind and the body, retrospectively a healthy balance must be ensured between both to treat any illness. Dr. Sudhir Bhola believes Ayurveda is the key to a healthy sexual life without having to worry about any sort of side effects. The disease is known is half cured and the best part of the treatment offered at Dr. Bhola’s clinic is that you are always in touch with psycho-sexologists and doctors who strive to decipher the root-cause of patient concerns.
With such eminent doctors in the sphere of healthcare, there’s a paradigm shift in the mindset that has altered the stigma around sexual concerns. In addition to this, it has successfully revolutionized the outlook of people in regard to Ayurveda and psychology. In today’s hectic world of competitions, it is really difficult to manage a healthy diet or exercise regime which leads to many health disorders including hypertension, obesity, and sexual dysfunctions. At Curewell Therapies, doctors not only help you recover from these medical problems but help you change and improve your basic lifestyle in order to get long-lasting relief.
How to Buy A Used Motorcycle – Checklist
The MENA region has seen a rise in motorcycles on its road in the last few years. The Japanese giant, Honda Motors is known for producing reliable and safe vehicles across the globe and so, it is no surprise that some of the best Honda Motorcycles have taken the more popular spots than the others.
However, with prices ranging high – Honda Shine’s average price is around $950 while Honda Unicorn is $1,300, maybe opting for a used bike would be a better option, until you gain some confidence and a better handle on the vehicle.
- Visual Inspection
To make sure you are not being duped and are actually getting a fair price on the motorcycle it is important you conduct a visual examination first. Before you even start the motorbike or haggle on the price, just look at the vehicle and see if it meets the criteria you already have set out.
Make sure the bike is thoroughly cleaned. Regardless of how old the bike is, if it is well kept and cleaned properly and shines like it would if it was in a showroom, you know the bike was taken care of fairly well and would be up to the standard.
- Exhaust Pipe
Second, look at the exhaust pipe. Make sure that it is properly mounted on the bike and is not corroded. Ask the seller to start up the bike in front of you and look for abnormal sounds. If they exist, the motorcycle is probably not up to the standard.
Thirdly, and most importantly, look at the VIN (Vehicle Identifier Number). These usually consist of 17 characters. The following is how they are divided:
- Characters 1 – 3 are known as World Manufacturer Identifier (WMI). They show where the motorbike was manufactured.
- Characters 4 – 9 are the Vehicle Descriptor Section. These convey attributes of the vehicle.
- Characters 10 – 17 are the Vehicle Identifier Section. These give specific information about the vehicle such as the engine, model year, transmission, and plant code.
Make sure you touch the VIN and see that it is engraved and part of the motorcycle and not just panted over or stuck on. This could really help in identifying if the motorcycle is genuine or not. If you are unsure of what the VIN should look like in the particular brand of motorcycle, look them up online and take a screenshot with you. It is better to be safe than sorry.
- Wear and Tear
Lastly, while conducting the physical examination, look for the areas where there is usual wear and tear such as the handlebars and foot pegs and even the levers. If certain parts seem odd, example they do not match the rest of the bike or seemed to be dented or bend in another direction, then it is likely that the seller had them replaced which is usually an indication of a prior crash or accident in which the motorcycle had undergone distress. If the seller had said otherwise, then it’s likely that he is not being fully honest with you which begs the question of what else has he not been truthful about regarding the vehicle.
- Under the Seat
This is quite crucial. Open the seat and have a look inside. If the wires are unicolored, it means the seller was too cheap to buy the proper equipment to fix it. Also, look for pieces of tape holding wires together or mix match connectors. This is not okay, and the safety standard of the motorcycle just went down significantly. So, beware.
- Test Drive
After conducting the visual examination, take the motorcycle for a spin. Remember, this is very important. Make sure the bike was cold when you started it up, and pay attention to the sound the engine makes, as discussed above. Then take it for a test drive through the route most similar to the one you are likely to take on an everyday basis.
There is no harm in buying a secondhand motorcycle. It is just important the vehicle you buy is of proper standard and that you are not being duped and get a fair trade.
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Final Fantasy VIII Remake: Yoshinori Kitase would like to see the game created by young people