Have you ever been in a car accident? If so, then you know how frustrating it can be to get your car repaired and back to normal. Many people are unsure of when their insurance will pay for auto body repairs.
There are three main types of coverage that can apply to auto body repairs: collision coverage, comprehensive coverage, and bodily injury liability coverage. Let’s take a look at each one.
Collision coverage is one of the most common types of coverage found on auto insurance policies. If you have collision coverage, your insurer will typically pay for damages to your vehicle resulting from a collision with another car or object. However, it’s important to note that most collision coverage has a deductible – meaning you will have to pay a certain amount out-of-pocket before your coverage kicks in. For example, if you have a $500 deductible and your car sustains $1,500 in damage in a collision, your insurer will only pay $1,000 (minus your deductible) towards the repairs.
Comprehensive coverage is another common type of auto insurance coverage. Unlike collision coverage, which only pays for damages caused by collisions, comprehensive coverage will pay for damages caused by a variety of events – such as theft, vandalism, or weather damage. Like collision coverage, comprehensive coverage also typically has a deductible. However, the deductibles for comprehensive and collision coverage are usually separate – meaning you could potentially have two different deductibles to pay if your car is damaged in a collision and then stolen shortly thereafter.
Liability coverage is the third type of coverage we’ll discuss. Unlike collision and comprehensive coverage, liability coverage does not pay for any damages to your own vehicle. Instead, it pays for damages caused by your car to other people or property. For example, if you cause a car accident that damages another person’s car, your liability coverage would pay for the repairs (up to your policy limit). If you cause an accident that injures another person, your liability coverage would also pay for their medical bills (up to your policy limit). Most states have minimum liability insurance requirements – meaning you are required by law to carry at least a certain amount of this coverage. However, even if you are not required to carry liability insurance, it is still a good idea to have at least some coverage in case you cause an accident.
As you can see, there are a few different types of coverage that might apply to your auto body repairs. The type of coverage you have will determine when (and if) your insurance will pay for the repairs. If you’re not sure what type of coverage you have, or if you have any other questions about your car insurance, be sure to contact your insurer and ask. They should be able to help you figure everything out.
Don’t Believe Everything You Hear: Debunked Caribbean Myths
There are a lot of myths out there about the Caribbean. And we’re here to debunk every one of ’em!
When you hear “the Caribbean” what do you think of? Most people stop after pirates and nice beaches. And while there are plenty of beautiful beaches in the Caribbean, you certainly won’t be running into Jack Sparrow while you’re there. And that’s just one myth about the Caribbean!
There are actually a lot of other myths and assumptions floating around these days about the Caribbean. Some of them are true, and some of them are most certainly false. So we thought we’d help you out and break down the more common myths that are definitely not true. It’s time to learn the truth and put the Caribbean back on your list of future vacation destinations!
IT’S TOO EXPENSIVE
I think many people assume that, because it’s an island getaway kind of place, the Caribbean must be expensive. Just getting there must cost a fortune because it requires landing at weird airports or traveling by water. And for some places in the Caribbean, this can be true. But there are plenty of options that are pretty cheap!
If you fly out of Fort Lauderdale on Spirit Airlines, you can find flights as cheap as $200. And as long as you visit in the quieter seasons, it’s very easy to find cheap enough lodging. Not to mention, in places like Cuba and Haiti, the exchange rate will make you feel like a millionaire with all those precious U.S. dollars!
YOU HAVE TO HAVE A PASSPORT TO VISIT
Nope! You definitely don’t need a passport to check out parts of the Caribbean. Specifically, Puerto Rico and the U.S. Virgin Islands are official U.S. territories. So you can take a trip to either of those same as you would take a trip to visit Grandma in Ohio! It’s starting to sound pretty easy, isn’t it?
YOU BASICALLY CAN’T ISLAND HOP
Another common assumption is that it’s basically impossible to hop from one island to the other. At least in terms of cost, let alone anyone actually having the physical ability to do it. But this couldn’t be farther from the truth. There are a bunch of ferries that go from one place to the other that can give you a round trip for the same cost of a cheap flight.
And if you have a few extra bucks, it’s really not that hard to charter your own boat! There are plenty of catamaran owners in the area that are more than happy to take a lower-than-you’d-think rate to take you and your family or friends around the Caribbean. And especially if you’re with a group of friends, splitting the cost will make it feel like you’re practically a pirate yourself.
THERE’S NOTHING TO DO EXCEPT SIT ON THE BEACH ALL DAY
Come on now, people… you’re smarter than this! Of course, there are still lively communities and culinary traditions in the Caribbean! So, while relaxing on a beautiful beach is probably at the top of the list of things to do while you’re there, there is still plenty of other things to enjoy in many parts of the Caribbean.
There’s the annual Carnival in Trinidad, The St. Lucia Food and Rum Festival, the Barbados Concorde Experience (where visitors can experience what it feels like to fly a French jet), and the amazing Museum of Art in San Juan, Puerto Rico. So don’t be so foolish as to assume the Caribbean is only a bunch of beaches.
THE HURRICANES IN 2017 BASICALLY DESTROYED IT ALL
While it’s true that the numerous hurricanes that hit the are in 2017 did their fair share of damage, the Caribbean is still alive and well. There are plenty of hotels that have still unfortunately been unable to reopen in places like Antigua, Barbuda, Dominica, and Puerto Rico. There are plenty of others in places like Aruba and Jamaica that were basically untouched.
And even places like St. Barts that were hit pretty hard have seen many of their local business rebuild and reopen and are quickly returning to their former glory.
What else do you need?! It’s as good a time as any to visit the beautiful Caribbean. Because it’s always been a good time to visit the Caribbean!
A Blow to the Head: Traumatic Brain Injuries at a Glance
Personal injuries such as a blow to the head lead to at least 1.4 million traumatic brain injuries each year in the U.S. Signs and symptoms of a traumatic brain injury or TBI can include: chronic neck pain, headaches, confusion, dizziness, memory loss, difficulty focusing or concentrating, extreme grogginess, fatigue, loss of balance, nausea, blurred vision, ringing in the head, sleeping too much or too little, loss of at least one of the five senses, seizures, aphasia (problems understanding and expressing language), loss of motor control or movement, uncontrollable jerking or twitching, and/or dysphasia (not being able to swallow or chew correctly). While some of these symptoms rarely occur, it is important to be able to identify them all and get treatment immediately.
There are many causes of TBI – car accidents, firearms, blows to the head, and falls are the most common causes. Because TBI cannot be cured, prevention is the best approach. According to the CDC, there are some groups of people at heightened risk of receiving a traumatic brain injury:
- Approximately 18% of all TBI-related emergency department visits involved children aged 0 to 4 years.
- Approximately 22% of all TBI-related hospitalizations involved adults aged 75 years and older.
- Males are more often diagnosed with a TBI (59% of traumatic brain injuries).
TBI Prevention Methods:
- Always wear a seatbelt in a motor vehicle
- Use an appropriate child safety seat or a booster
- Never drive under the influence of alcohol or drugs
- Always wear a helmet to prevent a blow to the head when on a bicycle, motorcycle, scooter, snowmobile, in contact sports, horseback riding, skiing, snowboarding, skating, and skateboarding
Fall Prevention Methods:
- Use the rails on stairways
- Provide adequate lighting, especially on stairs for people with poor vision or who have difficulty walking
- Place bars or safety locks on windows to prevent children from falling and receiving a blow to the head
- Do not leave obstacles on stairways or in walking pathways
- Keep guns locked in a cabinet and out of reach of children
- Store guns unloaded and apart from ammunition
There are many different kinds of treatments available for patients suffering from a TBI:
- Initial Treatment stabilizes the individual immediately following the initial injury
- Rehabilitative Care Center Treatment helps restore the patient to daily life
- Acute Treatment of a Traumatic Brain Injury is aimed at minimizing secondary injury and life support
- Surgical Treatment may be used to prevent secondary injury by helping to maintain blood flow and oxygen to the brain and minimize swelling and pressure
Traumatic brain injuries are complex and can manifest themselves with an array of symptoms and disabilities. The impact on an individual and their loved ones can be devastating. Vacardipane & Pinnis, PC is a law firm in New Jersey committed to helping personal injury victims. If you or a loved one has suffered a traumatic brain injury, contact us to request a Free Case Evaluation today.
Why You Should Live in the Rivertowns
If you’re looking to escape the hustle and bustle of New York, a quick jaunt upstate to the Rivertowns is the perfect place. The Rivertowns, straddling the Hudson River, is a collection of picture-perfect villages that combines laid-back living with the convenience of amenities and easy transport options.
The Rivertowns in Westchester County consist of cozy and picturesque towns. It is resplendent with typically 19th-century architecture, stunning views of the river, and thriving centers full of creative and artistic individuals. As more people look to make the break from urban living in New York and trade skyscrapers for tree-lined streets and spacious homes and gardens, interest in the Rivertowns has grown.
In this blog post, we will look at four communities in the Rivertowns to consider moving to. If you’re looking for a quaint and historic community in which to raise a family, grow old in comfort, or get back to nature, you’ll find it all in the Rivertowns.
Further out from the city than many of the other communities within the Rivertowns but if it’s good enough for Don Draper and his family, it’s good enough for us. This stunning community is famed for its architecture and historic buildings. Ossining is an affordable location within Westchester, which has drawn many young professionals from the city.
Ossining features a wide selection of houses, from historic to new constructions. Whether you are a first-time homebuyer or looking to upgrade or move location, Ossining has it all.
2. Sleepy Hollow
A 40-minute train journey from the city, Sleepy Hollow is known worldwide for its connection to The Legend of Sleepy Hollow by Washington Irving. A mixture of new constructions and historic homes, the charming community is popular with creative types, history buffs, and people looking for a more laid-back environment that is still close to New York.
The city’s sixth borough, with a population of around 200,000, has excellent education options, easy transportation to Grand Central, and recreation options (including Untermyer Park). The largest of Westchester’s cities, Yonkers has an urban feel that offers the benefits of suburban living. There is a wide mix of Victorian homes and luxury apartments on the market in Yonkers.
With a creative and environmentally conscious ambiance, Hastings-on-Hudson boasts a lively downtown and impressive views of the Hudson. 35 minutes by train to Grand Central, this community is packed full of high-regarded amenities, including restaurants and public parks. Popular for families due to its excellent schooling options, it has a close-knit population of around 8,000.
Click here to learn more about the Rivertowns and its appeal to those looking to move out of the city.
Find a New Lease of Life in the Rivertowns
Experience the benefits of suburban living with easy access to New York City. Embrace your creative and artistic side in the Rivertowns. Choose from stunning 19-century homes to new, luxurious apartments and condos.
Did you like this blog post? For other great articles on travel, living, and food, check out our blog.
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