Just about everyone experiences the dreaded roadside breakdown at one time or another. Among other factors, the difference between this experience posing a major inconvenience or even a safety threat and merely creating an added expense with which you don’t want to deal comes down to your car’s safety kit. Keeping a few everyday items in your vehicle at all times will keep you safe and warm in the event of a breakdown and quickly help you get back on the highway.
Even if you’re glued to your phone 24 hours a day, seven days a week, accidents happen. In the off chance you forget or let your phone die on the day of your breakdown, keep a spare cell phone handy in your emergency kit. To eliminate the expense of an additional plan, it should be prepaid. Try to buy a charger with an adapter that plugs into your car’s cigarette lighter. In remote areas, keep a CB radio handy as well.
Tire gauge and portable pump
Better yet, look for a two-in-one pump and gauge at your local auto parts store. These nifty devices let you check your tire pressure and can pump them up if you have a power source handy. You don’t need to wait for a breakdown to use it, either. Check your tire pressure monthly and adjust as needed.
In an emergency, tire foam can be the difference between making it to the mechanic and being stuck on a remote highway for hours. It’s cheap and readily available at most big-box stores. You may have to junk your tire once you make it to the shop, though, since the foam residue will make it difficult to patch permanently.
You’d be surprised how many supposedly “prepared” drivers forget this basic piece of equipment. You shouldn’t be walking away from your broken-down car at night unless it’s absolutely necessary, but if you have to scan the ground for a misplaced part or walk up a dark road to the nearest call box, you’ll need a flashlight.
If it’s a battery issue that’s caused you to break down, a simple jump may be all you need to get back on the road. Fellow drivers will have a hard time refusing to help if you have jumper cables at the ready.
Bottled water and packaged food
You don’t need to stock up for the apocalypse or anything, but a day’s supply of high-calorie trail mix, nutrition bars, and other like packaged foods as well as a couple bottles of water will help keep you energized and clear-headed if you break down in a remote area.
If you’re driving in the winter, you’ll need a few extra pieces of equipment. These include a small snow shovel, sand or cat litter for emergency traction, and a windshield scraper. Make sure you have a spare set of winter gloves and a hat as well.
You may rely on it for just about everything else, but your cell phone won’t protect you if you break down on a remote road in a dead zone. A well-stocked road safety kit will keep you safe and comfortable until the cavalry arrives. Restock it regularly.
Candice Stone is a full-time freelance writer living in New York. She recommends the site, www.roadsiderecovery.com for finding the Types of roadside assistance available. They have good reviews here to guide you through the process of roadside assistance.Read More
An accident claims solicitor may act in a wide variety of ways to ensure that you receive the compensation to which you are entitled to from the party or parties responsible for an accident in which you suffered personal injury. The following are just some of the steps typically involved in the process:
- A claim hinges on a particular incident or accident in which you suffer an injury.
- Your injury, or injuries, may not be immediately apparent but can develop days, weeks or even a month or so after the accident.
- Your solicitor is likely to want to review all the relevant details of the accident.
- The first step is the consideration whether or not you are likely to be entitled to compensation for your injuries.
- This depends on whether the accident appears to have been caused as the result of someone else’s negligence. This means if the accident and your injuries are someone else’s fault.
- It may include the consideration of whether your own actions (or failure to act) may have contributed to the accident itself or to the extent of your injuries; in formal terms, whether you have been responsible for any “contributory negligence”.
- In injury compensation claims, contributory negligence can have the effect of reducing the amount of compensation to which you are entitled.
- In any event, it is clear that your solicitor will want to establish all of the circumstances surrounding the accident.
- As part of this process you can find it especially helpful to be able to speak directly to the solicitor who is going to be handling your claim, rather than merely passing such details through a receptionist or by way of a call-centre referral system.
- Once your personal injury lawyer is fully acquainted with all of the details of the accident and has satisfied themselves that you are entitled to make your claim, the case may be put to the liable party or parties.
- This is likely to involve not only establishing the other party’s liability, but also an assessment of the amount of damages that will accurately and fully and fairly compensate you for your injuries.
- If necessary and as a last resort your claim may need to be decided in court.
- Hopefully of course your solicitor will help you win your claim.
- If you win you should expect to receive 100% of the compensation agreed or awarded; the liable party typically pays all of the legal fees involved.
- Even if your case is not won a typical accident claims solicitor will operate a “no win, no fee” policy so that there are still no legal costs for you to pay.
Member nations of the European Union have always maintained a strong stance when it comes to protecting the individual privacy rights of EU citizens. EU privacy legislation was long established before computers and the Internet became necessary aspects of daily life, therefore it was only natural that when such technology became commonplace, the EU had to modify legislation to deal with privacy challenges that result with the collection of personal information from users.
First enacted in 2002 under Article 95 of the European Parliament and Council, the “Privacy and Electronic Communications Directive” legally established the premises for consumer data protection and privacy with regards to computers and the Internet. Specific issues regulated under this directive include confidentiality of information, treatment of traffic data, spam and cookies.
Due to the evolutionary nature of technology and new privacy challenges that emerge as a result of this evolution, the directive has been modified over the years with each new modification requiring compliance by organizations and individuals that use various methods in handling electronic communications with individuals either through their websites or other computer-driven technologies.
The most recent modification to the directive took place in 2011 and affects the way website owners use cookie technology to interact with users in the EU and obtain personally identifiable information. The new directive explicitly demands that website owners:
1.) Inform users about the purpose of the cookies their websites store on user computers.
2.) Request user permission before storing such cookies on computers.
From a legal perspective, it sounds rather beneficial to website users located in Europe but when you consider the number of cookies available per website, especially for some very large websites, the idea of implementing a solution which enables compliance with this directive seems like a very tall mountain to climb.
The basic solution for compliance would be to have pop-ups on the pages of a website which require users to accept or decline cookies before they can use the site. However when you consider the number of pop-ups required for this alone and the time wasted, users might simply opt for websites not affected by the corresponding legislation instead and thus a substantial loss in revenue might result for affected website owners.
Complaints from website owners and businesses liable to be affected emerged after the directive was issued and are still being voiced.
Confusion over a way to effortlessly implement the directive as well as concerns over the speed of compliance led the UK to defer the mandatory compliance for all websites within its jurisdiction for a year. The directive currently comes into effect in May 2012. The penalties for violation of this directive are no joke; the Information Commissioners Office (ICO) which is the body responsible for enforcing the law within the United Kingdom has been empowered to collect fines of up to GBP 500,000 in the event of a violation by a website owner.
This has led to a scramble to find solutions and several firms have all come up with ways of implementing the solution which they consider non-intrusive and a means for website owners to retain their traffic without infuriating website visitors.
Some firms are offering managed solutions to assist with this compliance, while others have fashioned standalone tools which website owners can download and custom-configure to satisfy their own peculiar requirements.
Website owners who intend to implement effective solutions need to understand that the process does not start with installing the corresponding solution on their websites first but rather requires them to:
1.) Determine what cookies their websites use and store on user computers
2.) Determine the purpose of such cookies
user permission before storing cookies on user computers.
Only after these preliminary processes have been completed can the corresponding solutions be implemented on the affected websites.
Website owners however need to be aware of some of the finer points of the legislation which could reduce their workload. First, not all cookies are subject to the restrictions of the new law. The directive makes provisions for what it deems “strictly necessary” cookies which website owners do not have to request user permissions to store and use. Explained in simple terms, a strictly necessary cookie is one which is needed to deliver a service required by the user. Example of such cookies include: session tracking cookies and cookies that track user purchases in a shopping cart.
Secondly, the location of the visitor matters more that the location of the website or its owner. Privacy laws are meant to protect EU residents against violations, thus compliance is targeted at website owners regardless of location making privacy provisions for the particular end-users who are located in European countries.
The argument is still on-going about the merits and demerits of the legislation. However, rather than wait for the enforcing parties to make convenient last minute changes to this legislation, website owners should try to determine how best to achieve compliance and implement creative and non-intrusive solutions. Complications might arise for those hoping to do everything at the last minute, which in turn could result in court cases with serious legal and financial ramifications for the unlucky.
By www.cookieblocker.co.uk the Cookie Blocking WordPress Plugin.Read More
If you’re hunting for mobile phone cover, you may be flagging a little and wondering just how you’re going to make sense of the information in front of you.
If so, you may find the following key points useful:
- cover may be divided into a number of risk categories, including theft, accidental destruction, breakdowns outside of the manufacturer’s warranty period and in the case of some policies, optional loss protection;
- as with any insurance, mobile phone cover may come with a range of conditions and clauses that need to be read and understood before you may typically be able to be sure that it is a good match for your situation;
- some policies may provide additional benefits such as 48 hour replacement following approval of your claim, cover for use outside of the UK, backup storage on their system so precious data from your phone may be protected and protection against airtime abuse (the cost of unauthorised calls made on your phone between the time it is stolen and the time your service provider disconnects the service – limits may apply);
- if you have a device such as a Blackberry, iphone or any form of PDA, your insurer may have special cover available (e.g. blackberry mobile phone insurance) and typically, such devices may not always be covered by a standard mobile phone insurance policy;
- some of these devices form part of what is called gadget insurance, an insurance category that includes things such as laptops, cameras and other such electronic devices – if you’re interested in good deals, it may be worth considering taking out several policies to cover your higher value gadget items as you may benefit from economies of scale if you do so;
- mobile phone cover is not too difficult to understand but it may be advisable to allocate some time to shopping around and comparing one policy against another, prior to making your final decision.
If you run or own a business then knowing what consequential loss is can be crucial should you ever have to file and insurance claim for a large disaster or major catastrophe like fire or flood damage. The most successful businesses have a good idea of what they can do to minimise their disruption when something goes wrong – having a plan for if you suffer a fire or flood may sound extreme, but could save your business in the long run.
Consequential loss in layman’s terms is essentially the loss of profit or the basic value of loss that surrounds a property’s use. Fire and flood are prime examples of where a property and the damage caused to it can seriously affect how a business is run and its ability to trade as it did prior to the fire. If a fire rips through a building and causes severe structural damage (which is incredibly common) the business will not be able to operate for the foreseeable future – in most cases until the building is brought back to its original state.
In its most basic terms, consequential loss is the basic value of loss, specifically when it relates to the loss of a property’s use. A good example of this loss would be when a fire damages a building’s structure and causes the businesses in that structure to lose income until it is finally able to reopen after renovations and repairs. Similarly – if you stock has been damaged by water damage or flood damage you are going to be unable to trade until you have replaced said stock. In today’s economic climate that is not always financially viable.
Consequential loss can also relate to indirect losses caused by the disaster – the example that is oft quoted is if you have a freezer full of fresh meat and the power is cut due to indirect damage and the meat is ruined. If you run a restaurant this can have a major impact on your ability to provide your normal level of service – which results in loss of profit.
Is your business automatically covered for consequential loss? The general answer is no – in most cases you will need business interruption insurance to be covered for consequential loss. Having business interruption insurance can cover you for so many eventualities that it can be surprising that so many businesses neglect to take it or are even aware of its existence.
With regards to your business planning for the future is essential for its success but more often than not businesses tend to concentrate on the exciting and forward thinking ideas. For a business to truly succeed you need to be thinking about the things you would rather not.
Wayne Barker is the copywriter for Harris Balcombe – a claims management company whose loss assessor have been helping businesses get the insurance claim payouts they deserve for over a hundred years. Harris Balcombe specialise in fire insurance claims, flood insurance claims and many other types of business interruption insurance claims.Read More
Many people could not imagine being without their iphones for even a few hours, let alone days. These devices are capable of doing so much all in one neat little package that they are replacing the functions of many other gadgets. If the thought of something happening to your iphone brings you out in a cold sweat then you might want to consider taking out iphone insurance to protect your investment.
The iphone is a camera, MP3 player, personal organiser, book, email client, GPS unit – and of course a mobile phone – all packaged up in one little device. And that is without mentioning the numerous different apps created by developers offering increasingly innovative solutions, games and services which have taken the iphone to new heights.
The fact is, many people would simply be lost without their trusty iphones. So the thought of your phone getting stolen, damaged or breaking down outside of the manufacturer’s warranty period may not be one you want to dwell on.
However, carrying an iphone around with you at all times may potentially put it at risk. It can often be an expensive device, potentially making it particularly tempting to thieves, and accidents can always happen, especially when you are carrying it around with you at all times. This is where iphone insurance may come in.
Depending on the provider, this form of gadget insurance may allow you to get financial protection for your iphone. Policy features and benefits do vary from insurer to insurer and what one policy offers may not be covered by another.
You may find mobile phone insurance policies that may offer cover for some or all of the following events:
- in the case that it gets accidentally damaged;
- breaks down outside of the manufacturer’s warranty period;
- gets stolen;
- or is lost. With this element of cover, you may find it attracts an additional fee.
You may find that if you shop around, you find gadget insurance that is cost-effective and if you can find one which guarantees a fast replacement then that is even better.
As well as the financial cover offered by an insurance policy, you might also be able to find a policy that allows you to back up all of your contacts so that if you need to get a replacement, then you won’t lose any of your important details contained on the phone.
With such a useful and valuable gadget as an iphone, it may not make sense to take any unnecessary risks. If you want financial cover should anything happen to your iphone then you might want to look into iphone insurance and see if you can find something that is suitable for your needs.Read More