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Saturday 11 August 2012

DC Hair Laser Removal Washington

Laser hair removal services are provided by various specialists in professional centers in the Washington DC area. dc hair laser removal washington is a safe and effective treatment to remove unwanted hair from your upper lip, chin, legs, underarms, bikini area, chest, neck,... in fact from most anywhere.


The laser beam that is used in the laser hair removal device is directed at the hair follicles. The dark pigments in the follicle absorb the laser light energy. As the follicle absorbs more and more energy the follicle dies and can no longer grow hair. This is the mechanism on which dc hair laser removal washington works. Whatever be your skin complexion you can expect to have a good result thanks to advanced technology and professional expertise. Although it may hurt a bit both men and women are trying it out and that too successfully.

Find out your skin type and choose the laser center that is most suited for you. Try to get suggestions from those who have been through dc hair laser removal washington. Then you can surely leave all your worries behind.

Laser hair removal can also treat your problem of ingrown hair. Often men have to deal with ingrown hair in their beard area and neck. Women face problem with it mainly in the bikini area. Since laser hair removal targets hair at the follicle it's the most remarkable ingrown hair treatment. It actually removes the root of the problem. After several sessions, you yourself will notice your hair shedding and the dark spots and bumps from folliculitis disappearing.

The cost of dc hair laser removal washington varies from one specialist to another. Each case is unique and the cost of treatment is dependent on this individuality factor also.

So if you have unwanted facial and body hair I can tell you for sure that dc hair laser removal washington is the perfect treatment for you. You can check out Sona MedSpa, a laser hair removal office in the Washington DC area. Whether you are a male or a female through expert and professional care you will get yourself a new look at quite reasonable prices.

Laser Hair Removal



Article Source: http://EzineArticles.com/68008

Wednesday 6 June 2012

Nokia c2-03 Review

Touchscreen and a hardware numpad in a slider form factor, complete with dual-SIM support - the Nokia C2-03 will be stepping on many toes. It's a phone that knows its place though and has no problem living within its own means.

The Nokia C2-03 official photo
The C2-03 is a device that's simple to use, easy to afford and comfortable to carry around. You have two active phone lines in the same device so you can leave your other phone at home. Touchscreen and dual SIM support is a rare combination, but Nokia must think it's time they added more depth to their entry-level lineup.

Key features

  • Dual-SIM, dual-standby phone
  • Dual-band GSM/GPRS/EDGE support
  • 2.6" 256K-color resistive TFT QVGA touchscreen
  • S40 6th edition
  • 2 megapixel fixed-focus camera
  • QCIF video recording at 15fps
  • Stereo FM radio with RDS, Visual radio
  • Bluetooth v2.1 (with A2DP)
  • Standard microUSB port
  • microSD card slot (32 GB supported, 2GB included)
  • 3.5mm audio jack
  • Extra smooth and precise haptic feedback
  • Attractive price

Main disadvantages

  • No Wi-Fi
  • Camera is poor
  • QCIF video recording would be better off missing
  • Doesn't charge off USB
  • No screen brightness control
  • No document viewer
  • No smart dialing
  • No accelerometer sensor
  • No multitasking
So what does the C2-03 offer over the C2-02, which we recently reviewed? A second SIM slot, it's as simple as that. Enough though to make the C2-03 twice the phone the C2-02 is. The dual SIM solution is the same as on their other phones. The second SIM card is easily hot-swappable via a side-mounted slot and the SIM Manager app lets you decide how each card handles calling, texting and data.
We cannot overlook the fact that the list of cons is almost as long as that of the pros. Plain to see, this phone sacrifices a lot to keep its price competitive.
There's a lot missing but the basics are duly covered. Calling and texting come first in the low-end, touchscreen is a bonus feature. The C2-03 succeeds at putting them together in a single package. It gives you advanced calling on two SIM cards and a decent keypad for the messaging. And builds on that knowing that mindful of budget doesn't mean unwilling to try new things.

Saturday 7 April 2012

Rameswaram District

Rameswaram Island is a town in Ramanathapuram district in the Indian state of Tamil Nadu. Rameswaram Island is located on an island separated from mainland India by the Pamban channel and is less than 40 kilometers from the Jaffna Peninsula, Sri Lanka. Together with Kashi, it is considered to be one of the holiest places in India to Hindus. Hence, it is a revered pilgrim center.

Rameswaram Island is situated in the Gulf of Mannar at the extreme tip of the Indian peninsula. According to legends, this is the place from where Lord Rama, built a bridge Ram Setu across the sea to Lanka to rescue his consort Sita, from her abductor, Ravana. This is also the place where Rama worshipped Shiva to be absolved of the sin of killing Ravana, hence the name of Shiva. This is the tale behind the nomenclature of the town - Rameswara ("lord of Rama"). Both the Vaishnavites and Shaivites visit this pilgrimage centre, which is also known as the Varanasi of the south.

Rameswaram Island has an average elevation of 10 metres (32 feet). The religious island is spread across an area of 61.8 square kilometers and happens to be in the shape of a conch. The Ramanatha Swamy Temple occupies the major area of Rameshwaram Island. The Pamban Bridge connects the island to mainland India. Rameswaram Island experiences dry tropical climate, an average annual rainfall of 94cm that hails from mostly northeast monsoon from October to January. Temperature will be around 30°C to 35°C and the highest ever recorded at Pamban station is 37°C and lowest is 17°C.

Rameswaram Island is significant for the Hindus and their holy journey cannot be complete without offering prayers to the presiding deity in the form of a Linga with the name Sri Ramanatha Swamy. This deity also happens to be one of the twelve Jyotirlingas. The masterpiece of South Indian architecture boasts of the largest temple corridor in India.

Different rulers have built the Ramanatha Swamy Temple over a period of time starting from the 12th century. The temple comprises twenty-two wells where the taste of the water of each well is quite different from the other. The magnificent part of the temple is the 1219 m pillared corridor consisting of 3.6 m high granite pillars, richly carved and well harmonised. The perspective presented by these pillars run successively to a length of nearly 230 m.

According to the Puranas, upon the advice of Rishis (sages), Rama along with Sita and Lakshmana, installed and worshipped the Sivalinga in the Rameswaram Island to apologize the sin of Brahmahatya (killing of a Brahmin), since Ravana was a Brahmin the great grandson of Brahma. Rama fixed an auspicious time for the installation and sent Anjaneya to Mount Kailas to bring a lingam. As Anjaneya could not return in time, Sita herself made a lingam of sand. When Anjaneya returned with a linga from Mount Kailas the rituals had been already over. To comfort the disappointed Anjaneya, Rama had Anjaneya`s lingam (Visvalingam) also installed beside the linga of Ramalinga, and repeated the rituals that were performed first to the Visvalingam.

In Rameshwaram Temple, a religious "Mani Darshan" happens in early morning everyday. This "Mani" is made of "sphatik" and in form of "Holy shivling". According to Veda this is "Mani" of "sheshnag". Sethu Karai is a place 22 km before the Rameswaram Island from where God Ram built a Floating Stone Bridge "Ramasethu" till Rameshwaram that further continued from Dhanushkodi in Rameshwaram till Talaimannar in Sri Lanka as described in the great Hindu epic Ramayana. The ruins of the Ramasethu are still submerged under the sea as shot from Gemini 1 satellite of NASA in 2004.
VARANASI OF THE SOUTH

Rameswaram, hailed as the Varanasi of the South, is an island in the Palk Straits. Legend has it that Sri Rama worshipped Lord Shiva here after his victory over the demon king Ravana. Even today anyone visiting Varanasi or Kasi, has to complete his pilgrimage by a visit to Rameswaram. The temple town has been in the news of late because its illustrious son Sri APJ Abdul Kalam has recounted it fondly in his memoirs called "Wings of Fire".

The Ramanathaswamy temple at Rameswaram is a grand testimony to the temple architecture in the country. Its long stone corridors are famous the world over for their fine sculptures. It is also a major marine food centre in the South. The nearest airport is in Madurai from where it is 173 kms by road.Indian Airlines connects Madurai with Chennai, Tiruchi and Bangalore. By rail and by road Rameswaram is connected with all major cities like Chennai, Madurai, Coimbatore, Tiruchi and Thanjavur. Besides city bus service, taxi, auto rickshaw, cycle rickshaw and horse-carts are available. In the shops around the temple, exquisite hand made souvenirs made of shells, conches and beads are available.
PLACES OF TOURIST INTEREST:

Ramanathaswamy Temple: is close to the sea on the eastern side of the island. It is renowned for its magnificent corridors with massive sculptured pillars. The temple has a tower (Gopuram) 38. metres high. The temple as it stands today was built by different rulers at different periods from the 12th Centurary A.D. onwards.

Agnitheertham: The sea, about 100 metres from the main entrance on the east of the temple, is very calm and therefore ideal for bathing. The water at this place is considered scared and known as 'Agnitheertham'.

Dhanushkodi Nice Place

Dhanushkodi (Tamil : தனுஷ்கோடி) is a town/village at the southern tip of the Rameswaram island, at the eastern coast of the Tamil Nadu state of India.

Dhanushkodi is situated in the South-East of Pamban. The Dhanushkodi railway line was destroyed in the 1964 cyclone from Pamban Station and a trainload of passengers was washed into the sea. Even though the railway line was laid between Rameswaram and Dhanushkodi, it was in course of time covered by six sand dunes and it was abandoned. One has to reach Dhanushkodi on foot along sea shore or in jeeps on sand dunes.

It is said that Pilgrimage to Kashi will be completed only after the worship at Rameswaram besides a holy bath in Dhanushkodi at the Confluence of Mahodadhi Bay of Bengal and Ratnakara Indian Ocean. Setu is Sanskrit word to denote bridge or causeway. It has now acquired a special significance to mean the bridge across the ocean constructed by Rama to reach Lanka.

Hindu myth says that at the request of Vibeeshana, brother of Ravana and ally of Rama, Rama broke the Sethu with one end of his bow and hence the name Dhanushkodi, Dhanu meaning Bow and Kodi meaning end. It is also said that Rama marked this spot for Setu with one end of his famous bow. Bath in holy Sethu at the junction of the two seas normally precedes the pilgrimage to Rameswaram. A series of rocks and islets found in a line are shown as remnants of the ancient Setu also called as Rama's Bridge.

Danushkodi is about 18 miles West of Talaimannar in Sri Lanka. Before 1964 storm there was a train service up to Danushkodi called Boat Mail from Chennai Egmore, the train linked to a steamer to Ceylon. During the 1964 storm a huge wave of about 20 ft came crashing on the town from Palk Bay/Strait east of the town and destroyed the whole town, a train, the Pamban Rail Bridge etc all happened at the dead of the night. Danushkodi has the only land border between India and Ceylon which is one of the smallest in the world just 50 yards in length on a sand dune in Palk Strait.

The Government of Madras declared the town as Ghost town and unfit for living after the storm, now a small group of fisher folk resides there. For reaching the village one has to go in a four wheel drive or in a fish cart.
Memorial for Dhanushkodi Victims

A memorial erected near the dhanushkodi bus stand reads as follows:
"A cyclone storm with high velocity winds and high tidal waves hit Dhanushkodi town from 22nd December 1964 midnight to 25th December 1964 evening causing heavy damages.

On December 22nd at 23.55 hours while entering Dhanushkodi railway station the train no.653 Pamban Dhanushkodi Passenger which left Pamban with 110 passengers and 5 railway staff was hit by the cyclonic storm and high tidal waves and the whole train got submerged under water killing all 115 on the spot.
In addition over 200 people in dhanushkodi died in the cyclonic storm.
All dwelling houses in Dhanushkodi were blown to pieces in the storm and marooned.
Pamban bridge was washed away by the high tidal waves in this disaster.
Travel Advise

There are several temples associated with Lord Rama here. It is advisable to go during day to the village and return to Rameshwaram before Sun set as the entire 15 km stretch is very lonely and the place is notorious for drug peddling, trafficking, rape, waylaying and robbery after dark and most of the refugee boats from Sri Lanka arrive and land here during night also militant boats from Ceylon dock here for human and material trafficking. However, there are no reports to confirm these activities, apart from experiences shared by the locals. Tourism is budding in this area and a significant police presence to protect the visitors is there. here are few more photos of dhanushkodi.

dhanushkodi

Dhanushkodi is a town on the tip of the island Rameswaram. It is most known for a cyclone passing over the railway station and drowning 100 passengers in the train that was traveling. In Hindu texts, Dhanush means bow, and kodi means end. Dhanushkodi was a small town only having a railway station, a hospital, some stores, and a few houses. In 1964 a cyclone wiped out the whole town and a memorial was later created to those who died in the storm.

Short History of Hajj

Hajj literally means 'to set out for a place'. Islamically however it refers to the annual pilgrimage that Muslims make to Makkah with the intention of performing certain religious rites in accordance with the method prescribed by the Prophet Muhammad .

Hajj and its rites were first ordained by Allah in the time of the Prophet lbrahim [Abraham] and he was the one who was entrusted by Allah to build the Kaba - the House of Allah - along with his son Ismail [Ishmael] at Makkah. Allah described the Kaba and its building as follows:

"And remember when We showed Ibrahim the site of the [Sacred] House [saying]: Associate not anything [in worship with Me and purify My House for those who circumambulate it [i.e. perform tawaaf] and those who stand up for prayer and those who bow down and make prostration [in prayer etc.]."
[Surah Al-Hajj 22:26]

After building the Kaba, Prophet Ibrahim would come to Makkah to perform Hajj every year, and after his death, this practice was continued by his son. However, gradually with the passage of time, both the form and the goal of the Hajj rites were changed. As idolatry spread throughout Arabia, the Kaba lost its purity and idols were placed inside it. Its walls became covered with poems and paintings, including one of Jesus and his mother Maryam and eventually over 360 idols came to be placed around the Kaba.

During the Hajj period itself, the atmosphere around the sacred precincts of the Kaba was like a circus. Men and women would go round the Kaba naked, arguing that they should present themselves before Allah in the same condition they were born. Their prayer became devoid of all sincere remembrance of Allah and was instead reduced to a series of hand clapping, whistling and the blowing of horns. Even the talbiah [1] was distorted by them with the following additions: 'No one is Your partner except one who is permitted by you. You are his Master and the Master of what he possesses'.

Sacrifices were also made in the name of God. However, the blood of the sacrificed animals was poured onto the walls of the Kaba and the flesh was hung from pillars around the Kaba, in the belief that Allah demanded the flesh and blood of these animals.

Singing, drinking, adultery and other acts of immorality was rife amongst the pilgrims and the poetry competitions, which were held, were a major part of the whole Hajj event. In these competitions, poets would praise the bravery and splendor of their own tribesmen and tell exaggerated tales of the cowardice and miserliness of other tribes. Competitions in generosity were also staged where the chief of each tribe would set up huge cauldrons and feed the pilgrims, only so that they could become well-known for their extreme generosity.

Thus the people had totally abandoned the teachings of their forefather and leader Prophet Ibrahim. The House that he had made pure for the worship of Allah alone, had been totally desecrated by the pagans and the rites which he had established were completely distorted by them. This sad state of affairs continued for nearly two and a half thousand years. But then after this long period, the time came for the supplication of Prophet Ibrahim to be answered:

"Our Lord! Send amongst them a Messenger of their own, who shall recite unto them your aayaat (verses) and instruct them in the book and the Wisdom and sanctify them. Verily you are the 'Azeezul-Hakeem [the All-Mighty, the All-Wise]."
[Surah Al-Baqarah 2:129]

Sure enough, a man by the name of Muhammad ibn 'Abdullaah was born in the very city that Prophet Ibrahim had made this supplication centuries earlier. For twenty-three years, Prophet Muhammad spread the message of Tawheed [true monotheism] - the same message that Prophet Ibrahim and all the other Prophets came with - and established the law of Allah upon the land. He expended every effort into making the word of Allah supreme and his victory over falsehood culminated in the smashing of the idols inside the Kaba which once again became the universal center for the worshippers of the one True God.

Not only did the Prophet rid the Kaba of all its impurities, but he also reinstated all the rites of Hajj which were established by Allah's Permission, in the time of Prophet Ibrahim. Specific injunctions in the Quran were revealed in order to eliminate all the false rites which had become rampant in the pre-Islamic period. All indecent and shameful acts were strictly banned in Allah's statement:

"There is to be no lewdness nor wrangles during Hajj."

[Surah al-Baqarah 2:197]

Competitions among poets in the exaltations of their forefathers and their tribesmen's achievements were all stopped. Instead, Allah told them:

"And when you have completed your rites [of Hajj] then remember Allah as you remember your forefathers; nay with a more vigorous remembrance."
[Surah al-Baqarah 2:200]

Competitions in generosity were also prohibited. Of course, the feeding of the poor pilgrims was still encouraged as this was done during the time of Prophet Ibrahim but Allah commanded that the slaughtering of the animals which was done for this purpose should be done seeking the pleasure of Allah rather than fame and the praise of the people. He said:

"So mention the name of Allah over these animals when they are drawn up in lines. Then, when they are drawn on their sides [after the slaughter], eat thereof and feed the beggar who does not ask, and the beggar who asks."
[Surah al-Hajj 22:36]

As for the deplorable practice of spattering blood of the sacrificed animals on the walls of the Kaba and hanging their flesh on alters, then Allah clearly informed them that:

"It is neither their meat nor their blood that reaches Allah, but it is Taqwaa (piety) from you that reaches Him."
[Surah al-Hajj 22:37]

The Prophet also put a stop to the practice of circling the Kaba in a state of nudity and the argument that the pagans put forward to justify this ritual was sharply rebutted in Allah's question:

"Say: Who has forbidden the adornment [i.e. clothes] given by Allah which He has produced for His Slaves?"
[Surah al-A'raaf 7:32]

Another custom which was prohibited through the Quran was that of setting off for Hajj without taking any provisions for the journey. In the pre-Islamic period, some people who claimed to be mutawakkiloon (those having complete trust in Allah) would travel to perform Hajj begging for food through the whole journey. They considered this form of behavior a sign of piety and an indication of how much faith they had in Allah. However Allah told mankind that to have sufficient provisions for the journey was one of the preconditions for making Hajj. He said:

"And take a provision [with you] for the journey, but the best provision is at-Taqwaa (piety)."
[Surah al-Baqarah 2:197]

In this way, all the pre-Islamic practices, which were based on ignorance, were abolished and Hajj was once more made a model of piety, fear of Allah, purity, simplicity and austerity. Now, when the pilgrims reach the Kaba, they no longer find the carnivals and the frolic and frivolity that had once occupied the minds of the pilgrims there before. Now, there is the remembrance of Allah at every step and every action and every sacrifice was devoted to Him alone. It was this kind of Hajj that was worthy of the reward of paradise, as the Prophet said: "The reward for an accepted Hajj is nothing less than paradise."

May Allah grant us all the ability to visit His House and perform the Hajj in the manner of the Prophet Muhammad . Aameen.

ENTERING BEAUTIFUL CITY OF MADINA MUNAWWARA


Sahih Bukhari

sahih Bukhari is a collection of sayings and deeds of Prophet Muhammad (pbuh), also known as the sunnah. The reports of the Prophet's sayings and deeds are called ahadith. Bukhari lived a couple of centuries after the Prophet's death and worked extremely hard to collect his ahadith. Each report in his collection was checked for compatibility with the Qur'an, and the veracity of the chain of reporters had to be painstakingly established. Bukhari's collection is recognized by the overwhelming majority of the Muslim world to be one of the most authentic collections of the Sunnah of the Prophet (PBUH).

5 Pillars of Islam


Hajj or Pilgrimage

The pilgrimage to Makkah (the hajj) is an obligation only for those who are physically and financially able to do so. Nevertheless, over two million people go to Makkah each year from every corner of the globe providing a unique opportunity for those of different nations to meet one another.

The annual hajj begins in the twelfth month of the Islamic year (which is lunar, not solar, so that hajj and Ramada-n fall sometimes in summer, sometimes in winter). Pilgrims wear special clothes: simple garments that strip away distinctions of class and culture, so that all stand equal before God.

The rites of the hajj, which are of Abrahamic origin, include going around the Ka'bah seven times, and going seven times between the hills of Safa and Marwa as did Hagar (Hajir, Abraham's wife) during her search for water. The pilgrims later stand together on the wide plains of 'Arafat (a large expanse of desert outside Makkah) and join in prayer for God's forgiveness, in what is often thought as a preview of the Day of Judgment.

The close of the hajj is marked by a festival, the 'Id al Adha, which is celebrated with prayers and the exchange of gifts in Muslim communities everywhere. This and the 'Id al Fitr, a festive day celebrating the end of Ramada-n, are the two holidays of the Islamic calendar.

Sawm or Fasting

Every year in the month of Ramada-n, all Muslims fast from dawn until sundown--abstaining from food, drink, and sexual relations with their spouses.

Those who are sick, elderly, or on a journey, and women who are menstruating, pregnant or nursing, are permitted to break the fast and make up an equal number of days later in the year if they are healthy and able. Children begin to fast (and to observe prayers) from puberty, although many start earlier.

Although fasting is beneficial to health, it is mainly a method of self-purification and self-restraint. By cutting oneself from worldly comforts, even for a short time, a fasting person focuses on his or her purpose in life by constantly being aware of the presence of God. God states in the Qur'an: "O you who believe! Fasting is prescribed for you as it was prescribed to those before you that you may learn self-restraint." (Qur'an 2:183)

The financial obligation upon Muslims.

An important principle of Islam is that everything belongs to God, and that wealth is therefore held by human beings in trust. The word zakah means both "purification" and "growth." Our possessions are purified by setting aside a proportion for those in need and for the society in general. Like the pruning of plants, this cutting back balances and encourages new growth.

Each Muslim calculates his or her own zakah individually. This involves the annual payment of a fortieth of one's capital, excluding such items as primary residence, car and professional tools.

An individual may also give as much as he or she pleases as sadaqa-h, and does so preferably in secret. Although this word can be translated as "voluntary charity" it has a wider meaning.
The Prophet said, "Even meeting your brother with a cheerful face is an act of charity." The Prophet also said: "Charity is a necessity for every Muslim." He was asked: "What if a person has nothing?" The Prophet replied: "He should work with his own hands for his benefit and then give something out of such earnings in charity." The Companions of the Prophet asked: "What if he is not able to work?" The Prophet said: "He should help the poor and needy." The Companions further asked: "What if he cannot do even that?" The Prophet said: "He should urge others to do good." The Companions said: "What if he lacks that also?" The Prophet said: "He should check himself from doing evil. That is also an act of charity."

Salah or Prayer

Salah is the name for the obligatory prayers that are performed five times a day, and are a direct link between the worshipper and God. There is no hierarchical authority in Islam and there are no priests. Prayers are led by a learned person who knows the Qur'an and is generally chosen by the congregation.

Prayers are said at dawn, mid-day, late-afternoon, sunset and nightfall, and thus determine the rhythm of the entire day. These five prescribed prayers contain verses from the Qur'an, and are said in Arabic, the language of the Revelation. Personal supplications, however, can be offered in one's own language and at any time.

Although it is preferable to worship together in a mosque, a Muslim may pray almost anywhere, such as in fields, offices, factories and universities. Oftentimes visitors to the Muslim world are struck by the centrality of prayers in daily life.

A translation of the Adan or Call to Prayer is:

God is Great.
God is Great.
God is Great.
God is Great.
I testify that there is none worthy of worship except God.
I testify that there is none worthy of worship except God.
I testify that Muhammad is the messenger of God.
I testify that Muhammad is the messenger of God.
Come to prayer!
Come to prayer!
Come to success!
Come to success!
God is Great!
God is Great!
There is none worthy of worship except God.

Five Pillars of Islam

The 'Five Pillars' of Islam are the foundation of Muslim life:

* Faith or belief in the Oneness of God and the finality of the prophethood of Muhammad;
* Establishment of the daily prayers;
* Concern for and almsgiving to the needy;
* Self-purification through fasting; and
* The pilgrimage to Makkah for those who are able.

The 10 Rare Animals in the world

Endangered, hunted, smuggled and now some would say abandoned, these animals have the smallest chances of recovery out off all the Earth’s creatures. Last year, studies shown international student insurance that there are at least 35 different animals with world populations of under 1000. But which are the rarest, the animals on the brink of extinction? We have rounded up a list of 10 of the rarest animals in the wild. These animals are so rare, they might disappear forever, and they’re not alone!
1. The Pinta Island tortoise – Without argument, this turtle is one of the few species of Giant Galapagos tortoises and the rarest animal in the world since there is only one left alive. Lonesome George is the sole surviving member of the Pinta Island race, the giant tortoise being a symbol for the fragility of the Galapagos islands, and a constant reminder for vigilence and conservation of the species. The species was considered extinct until 1971, when a lone example was located by rangers. Since then, the Charles Darwin Research Station has been searching for a female tortoise, even posting a reward of $10,000 to those that find one.
2. Baiji (Yangtze River Dolphin) – With no more than a few tens of individuals, Yangtze River Dolphinthe dolphin is one of the world’s rarest mammals, and a victim of China’s breakneck economic growth, competing for food with the human beings. It has been driven to extinction due to the activity in 50 years, this being the fourth time when an entire evolutionary line of mammals has vanished from the face of the Earth since the year 1500. The main reason for this fact are the numerous dams and barrages, built starting in the 1930’s, that have fragmented the population and reduced the amount of available habitat. There are news that the species is functionally extinct, experts still searching for members of the species. Fingers crossed!
3. The Vancouver Island Marmot – This marmot is found only in the high mountainous regions of Vancouver Island, in British Columbia, the Canadian Species at Risk Act listing it as endangered in May 2000. In 1998, the population reached an all-time low of 75 individuals, a captive breeding programme being started during that time. In captivity, there are around 90 Vancouver Island marmots in four breeding facilities, while an estimated 30 members of this species live in the wild ibn 2004. The ultimate goal is to restore a sustainable population of 400-600 Vancouver Island marmots in the wild, so there’s still much to be done. 2005 was a successful year, with 150 individuals in captivity and over 44 pups born.
4. Seychelles Sheath-tailed Bat – Inhabiting the central granitic islands of the Seychelles Islands north of Madagascar,Seychelles Sheath-tailed Bat the bat is part of our list, being one of the most endangered animals since fewer than 100 are believed to exist in the world. It was once commonly found in Seychelles, but the species has undergone a dramatic decline in population during the mid to late 20th century. More research needs to be done in order to understand how the species behave and what needs to be done in order to save them. Scientists believe that, with a heavy amount of effort, 500 individuals may be sufficient to guarantee long-term persistence of the population.
5. Javan Rhino – This scarce animal is one of the rhino species with fewer than 60 animals surviving in only two known locations: one in Indonesia and the other in Vietnam. Though once widespread throughout Asia, by the 1930’s the rhinoceros was nearly hunted to extinction in Peninsular Malaysia, India, Burma and Sumatra. It was poached for its horn, that is believed to have medicinal uses, and driven to extinction to the intense agricultural practices. Even with all the conservation efforts, the Javan rhinoceros’ chance of survival is small: the population is reduced, hence there are risks of disease and inbreeding.
6. Hispid hare – Also called the “bristly rabbit”, this hare has been recorded along the southern foothills of the HimalayanHispid hare mountain chain, Nepal, , Bengal, and Assam. Deforestation, cultivation, and human settlement had the most negative impact on the species, isolating the rabbits in Uttar Pradesh, Bihar, West Bengal and Assam. This animal was feared extinct in 1964, but in 1966, one was spotted. There were an estimated 110 hispid hares worldwide in 2001, numbers continuing to plunge due its unsuccessful adaptation to captivity.
7. Northern Hairy-nosed Wombat – In the 19th century this species of wombat was present in New South Wales and Victoria but now can only be found in a small national park near Epping Forest Station in tropical Queensland. While this area has been protected as a National Park, the native grasses that the wombat eats are overtaken by non-indigenous plants. The Northern hairy-nosed wombat is the rarest Australian marsupial, and probably the world’s rarest large mammal. In the latest population study, there are an estimated 113 (range 96 to 150) individual. A major recovery program is underway, funded by the Queensland and Commonwealth governments to the tune of $250,000 per year.
8. Tamaraw (Dwarf Water Buffalo) – Found in the the island of Mindoro in the Philippines, the tamaraw is the onlyDwarf Water Buffalo endemic Phillipine bovine. In 1900 there were an estimated 10,000 tamaraw on Mindoro, 120 in 1975, 370 in 1987 . It was declared critically endangered species in 2000 by the World Conservation Union and remained so until today, being threatened by agriculture, hunting or disease brought by domestic species. The current population was estimated in 2002 at a number between 30 and 200 individuals. Although protected by law, the illegal capture and killing of this species continues to occur.
9. Iberian Lynx – The Lynx, the most endangered of the world’s 36 cats, stands on the edge of extinction. This lynx was once distributed over the entire Iberian Peninsula but now its area is severely restricted in Andalusia. Threatened by destruction of habitat and of its prey, the cat was killed by traps set for rabbits or hit by cars as the number of roads increase. The Spanish Government is now in the process of developing a national conservation effort to save the Iberian Lynx. Studies from March 2005 have estimated the number of Lynx to be as few as 100, down from about 400 in 2000. On March 29, 2005, the birth of 3 cubs, the first born in captivity, was announced, a hope for the future reintroduction of the species.
10. Red Wolf – This wolf is a smaller and a more slender cousin of the gray wolf, historically ranging from southeasternRed Wolf United States to Florida and Texas. Now, their home is the 1.7 million acres throughout northeastern North Carolina, including Alligator River National Wildlife Refuge and Pocosin Lakes National Wildlife Refuge. Only 20 pure red wolves were estimated in 1980, however the number increased to 207 captive red wolves, found in 38 captive breeding facilities across the United States. With the successful breeding programs, over 100 red wolves currently live in the wild.
Runner-up. Dwarf Blue Sheep – The Dwarf Blue Sheep or Dwarf Bharal Pseudois schaeferi is an endangered species of caprid found in China and Tibet. The dwarf blue sheep population in the world has declined to a total of 70–200 individuals, currently being listed as endangered by the International Union for Conservation of Nature. The species is hunted, and in their limited range cannot escape from humans and livestock. As of 1997, China did not recognize them as a seperate species so efforts to conserve the species have not been initiated.

Wednesday 21 March 2012

Zync Launches an Android 4.0 Tablet

Another day, another tablet. However the latest offering from Zync, the Z-990 stands out for delivering Android 4.0 experience to the masses. Apart from the new Android OS, the 7" tablet promises 1080p video playback.

Despite being affordable, the tablet is powered by a 1.2 GHz CPU and has 1 GB of RAM. Other specs include Wi-Fi, front VGA camera, a full sized USB OTG (On The Go) port, 3.5 mm jack, 4 GB inbuilt memory, and a microSD card slot. Additionally, this tablet can be hooked up to an HD TV using the onboard HDMI port. However, to keep the pricing down, the tablet does away with the main camera and Bluetooth connectivity. According Zync, its 3600 mAh battery can last up to 6 hours under heavy use.

I did get my hands on the Z-990, and I can tell that it handles Android 4.0 reasonably well. It gives access to the official Play Store as well. However, despite having a front facing camera, it doesn't have the Face Unlock feature.

The tablet is available for Rs 8500 at online stores such as Letsbuy.com and HomeShop18.com. However, you might want to hold your purchase until we publish the review in a week or two.

Dell XPS Arrives In India

The much hyped Dell XPS 13 Ultrabook has finally arrived in India. The laptop sports a 13.3" screen with a relatively thin bezel. According to specifications, the XPS 13 is 18 mm thick and weighs less than 1.4 kg. For toughness, its base has been made of carbon fibre, and display is protected by Corning's Gorilla Glass.
Dell lets you choose configurations based on the Intel Core i5 2467M and Core i7 2637M. Others specs include 4 GB of DDR3 RAM, 128 \ 256 GB SSD, Intel HD 3000 graphics, LED display with pixel dimensions of 1366x768, Wi-Fi, Bluetooth 3.0, and 1.3 MP webcam with dual array microphones. The company claims that the 47 WH 6-cell battery can keep the device up for almost 9 hours.

The XPS 13 comes with Windows 7 Home Premium, and is available at the starting price of Rs 80,000. It can be bought from the Dell exclusive stores and other electronics retailers throughout India.

Intex Enters Tablet Market with i-Tab

Intex has entered the tablet space with the i-Tab - a Rs 12,000 tab sporting an unusual 8" form factor. The Android 2.3 (Gingerbread) device incorporates a 1 GHz Cortex A8 processor complemented by 512 MB of RAM. The 8" display features two-point capacitive touch sensing capability. It has 8 GB of internal memory, which can be further expanded up to 32 GB. Other goodies include an inbuilt gyroscope, GPS, front camera, and 3.5 mm audio jack. It also has an ample 5000 mAh battery, which claims to give 5-6 hours of talktime.
Connectivity options feature Wi-Fi as standard, whereas 3G connectivity is provided through the "Intex dongle", which is offered free of cost with the product. The manufacturer also throws in an Intex 3G data card, LAN adaptor, leather cover, and a pair of Reebok sunglasses to sweeten the deal.

Uninor Offer

Uninor today announced the launch of 2 new special offers, the MEGA-TOPPER49 and the TRIPLE-TOPPER129 for its customers in Tamil Nadu. Making its existing customers happy and luring in more customers into its fold, these offers are special tariff vouchers (STV) at Rs 49 (MEGA-TOPPER49) and Rs 129(TRIPLE-TOPPER).
With both these plans Uninor customers can continue to enjoy local calls as low as 0.29 per minute and STD calls at 0.49 from the first minute. MEGATOPPER offer has a tariff validity extended to 30 days and the TRIPLE-TOPPER has a tariff validity extended to 90 days.
This gives the customer the freedom to go for a fresh STV recharge or opt for another plan additional freebies come to the customer by way of 100 minutes of free talk time in the MEGATOPPER pack for Uninor to Uninor calls and 300 minutes free talk-time in the TRIPLE-TOPPER pack for Uninor to Uninor calls.
Particulars MEGA-TOPPER49 TRIPLE-TOPPER 129
Validity 30 Days 90 Days
Free Talk-time 100 (onnet) 300(onnet)
Local Calls 0.29 0.29
STD Calls 0.49 0.49
Overall, a Uninor customer enjoys free talktime, call charges at 29 paise and 49 paise for the MEGATOPPER and TRIPLE-TOPPER respectively and the freedom to choose between plans.
Mr Stefan Kercza, Hub Head, Tamil Nadu & Kerala quoted, “At Uninor, we listen to what our customers want. We have designed our product offering based on their specific needs. The current product package from Uninor addresses both -customers who have short conversations and those who have long conversations. Ultimately it is about providing value to the customer.”

Tata docomo free browsing sites

By makig a big blast fra tata docomo launched really juicy gift for buddy net users Tata DoCoMo which came into the india with their pay-per-second billing plans and marketing blitz, has now expanded its BuddyNet service to include free GPRS access to social networks Orkut, Facebook, Twitter and Nimbuzz, apart from professional networking site LinkedIn.Embedded applications and external URLs/Links will be charged at Re. 0.1/kb), and users will have to pay to subscribe to BuddyNet.
This initiative is in line with a similar move I’d suggest for 3G: that telecom operators should make GPRS access free for a limited in order to encourage GPRS usage, the way they did many years ago with SMS.
And this is a limited offer:
– Time Limit: It is valid only till May 15, 2010, and there’s a Fair Usage Policy (ugh) limit for these specific sites of 2GB per month.
– (Un)Fair Usage Limit: Albeit large, there is still a large “fair usage” limit a month. Then again, if you’re using up 2G a month on the low bandwidth mobile sites of these social networks, frankly, you need help (or a life).
– Still No Internet Telephony: The other thing to note is that Tata Docomo continues to block access to Internet Telephony access on Nimbuzz. Enabling free VoIP on Nimbuzz would eat into Tata DoCoMo’s voice revenues, which they wouldn’t want to risk.
– No Indian sites: Any guesses why there aren’t any Indian sites in the list? Perhaps because Indian social networks just aren’t popular enough.
As such, this is part of Tata DoCoMo’s massive sign-up drive. BuddyNet, which will cost Rs. 7 per week, offers users on the network the ability to call other BuddyNet members at 1p/6sec, STD calls at 1p/2 sec, gifting a recharge to other DoCoMo customers, and share talktime with buddies. The idea here is to create an interlinked community that benefits from being on the same network, hence increasing network utilization, at the same time, less willing to churn out since they would simultaneously lose the benefits. It’s a like a social network by itself: you’re less likely to taste out if all your friends are there.

Tata Docomo 99 Recharge Free GPRS

As we said long back that tata docomo will finally provide 1 year free gprs that dre is now am came true
now tata docomo is come up with this plan in our favourite circle maharashtra and pune
by doing 99 FRC On a new sim card customers can get these benifits 2 lakh tata to tata (virgin, indicom, docomo) seconds for one year and 1 GB GPRS free per month for 1 year
existing customers can get all this in Rs. 94 recharge so what you are waiting dude be docomo and get these type great offers

Tuesday 20 March 2012

LG Prada 3.0

Key features:

  • Quad-band GSM and tri-band 3G support
  • 21 Mbps HSDPA and 5.76 Mbps HSUPA speed
  • 4.3" 16M-color IPS LCD capacitive touchscreen (480 x 800 pixels) with 800-nit brightness
  • Android OS v2.3.7 Gingerbread with custom monochrome skin, ICS confirmed
  • 1 GHz dual-core Cortex-A9 CPU, PowerVR SGX540, TI OMAP 4430 chipset, 1GB of RAM
  • 8 MP autofocus camera with LED flash
  • Up to 1080p video recording @ 30fps
  • Dual-band Wi-Fi 802.11 a/b/g/n; DLNA, Wi-Fi Direct and Wi-Fi hotspot
  • GPS with A-GPS connectivity; digital compass
  • 8GB internal storage, microSD slot
  • Accelerometer, gyroscope and proximity sensor
  • Standard 3.5 mm audio jack
  • microUSB port
  • 1.3MP secondary video-call camera, HD video
  • Stereo FM radio
  • Exceptional video playback

Main disadvantages:

  • Leather-like pattern of the back cover doesn't look good in plastic
  • Color icons and widgets make a mess of the monochrome UI
  • Awkwardly placed camera button, no half-press
  • Not the latest in processing power, screen resolution
  • Passive lockscreen notifications
The LG Prada 3.0 is all about making an impression and it gets busy right away. We're about to start exploring the handset and - in our usual routine - we'll have to get past the Prada packaging to discover the Android device inside.

Amazon Kindle Fire Review

Key features

  • 7" 16:9 IPS LCD capacitive touchscreen of WSVGA resolution (1024 x 600) pixels
  • Wi-Fi 802.11 b/g/n connectivity
  • 1GHz dual-core Cortex-A9 CPU, PowerVR SGX540 GPU, TI OMAP 4430 chipset
  • License-free Android-based OS
  • 8GB of on-board storage, free cloud storage for all Amazon content
  • Weight of 413 grams
  • Accelerometer
  • Excellent HTML5 browser
  • Adobe Flash support, Flash videos up to 720p
  • Standard microUSB port, mass storage
  • 3.5mm audio jack

Main disadvantages

  • No 3G
  • No memory card slot, limited inbuilt storage
  • Reflective screen of poor brightness
  • Very limited video codec support
  • No camera
  • No physical volume controls
  • Non replaceable battery
  • No native Google apps, no access to the Android Market
  • Some features unavailable without an Amazon Prime account
  • Video streaming not available outside US
The Kindle Fire is not an e-reader. It's a multimedia device with web browsing and email - and that's a lot more than an e-book reader. Yet, the backlit LCD screen is obviously no match for e-ink. The Kindle Fire is touted as a reading device - as much as it's for Internet browsing, listening and watching. If it's mags and comics, we'd agree. For e-books, any other Kindle would do a much better job. The Fire is actually for users who have a Kindle already. It's an addition - not a replacement - to any generation of Amazon's e-ink devices.
An older-gen Kindle e-reader and a Fire combined cost less than most tablets out there. The Kindle is so cheap because it lacks many basic features. The sub-200 dollar price tag is meant to encourage Amazon subscribers to keep on shopping for music, video, apps and games as they've been for books on their Kindle readers.

Sony Overview

Sony's back in the mobile game and it brought three phones to Barcelona. The Xperia S was uncovered at CES and has now started shipping. The other two are brand new - the Xperia P and Xperia U.
Both of those feature NovaThor U8500 chipsets with two 1GHz cores and Mali-400MP GPUs, while the Xperia S uses a more traditional Qualcomm Snapdragon dual-core.
Sony also showed some PlayStation games running on the Xperia S and talked about improvements to the Xperia P display (spoiler: it's brighter).

HTC Overview

The HTC press conference pulled the curtain off what had been keeping the Taiwanese busy, and they certainly got the audience impressed. HTC unveiled their new One series of smartphones, all four of which have Beats audio and feature enhanced video and photo capabilities.
We also caught wind of an upcoming release of HTC's Sense 4.0 UI, which holds some neat improvements over the previous version.
HTC is also keen to give certain incentives to encourage consumers to buy more of the upcoming devices, including free Dropbox cloud storage of up to 25 GB over two years within purchase.

Samsung Wave Y review

Key features

  • 3.2" HVGA capacitive touchscreen (320 x 480 pixels)
  • Bada OS 2.0 with Samsung Apps
  • 832 MHz single-core CPU
  • Quad-band GSM support with dual-band HSPA
  • Wi-Fi 802.11 b/g/n connectivity, Wi-Fi Direct support, Wi-Fi tethering
  • Built-in GPS receiver with A-GPS support, digital compass
  • 2 GB microSD card bundled in, support for up to 32 GB via hot-swappable slot
  • Standard microUSB port and Bluetooth v3.0 with A2DP
  • Standard 3.5mm audio jack
  • Stereo FM radio with RDS
  • Webkit-based Samsung Dolphin Browser
  • YouTube client, Facebook and Twitter integration, including Samsung's ChatON messaging app
  • Shake-to-unlock and turn-to-mute
  • H.263/H.264/MP4 video support with subtitles, AC3 audio support
  • Voice recognition for both dictation and commands

Main disadvantages

  • Bada OS has limited number of available applications
  • Fixed focus 2 MP camera, no flash
  • No screen haptics
  • No proper Smart Dialling
  • SatNav software only a 30-day trial
  • Poor loudspeaker performance
For people coming from Android, the limited supply in Samsung's app store will be a major question mark. But the Bada app store has been slowly building up content. And to be honest, the likely Wave Y buyers are not coming from another smartphone. Samsung's Y models are targeting the young and the Wave Y will most probably compete with the Galaxy Y for the favor of the brand's loyal users looking to replace a feature phone.

Sony Xperia S vs. Samsung Galaxy S II

Processor aside, the Sony Xperia S brings a high-pixel-density 4.3" screen with 720p resolution and Mobile BRAVIA engine. Then there's the 12MP camera with 1080p video recording, a notable advantage as most new recently announced phones use 8MP shooters. There's also excellent connectivity and so on.
The 1.5GHz dual-core CPU and Adreno 220 GPU showed promising performance, beating most dual-cores too. Here's the summary of the pros and cons of going for the Sony Xperia S.

Sony Xperia S over Samsung Galaxy S II:

  • 4.3" 720p screen (342ppi) over 4.3" WVGA screen (217ppi)
  • 12MP still camera over 8MP
  • 1.5GHz Scorpion CPU over 1.2GHz Cortex-A9 CPU
  • Standard microHDMI port over MHL port (requires adapter for HDMI out)
  • GLONASS support in addition to A-GPS
  • All units have NFC over optional support in the S II
  • 1750mAh battery over 1650mAh
  • 3D sweep panorama and Multi Angle modes

Samsung Galaxy S II over Sony Xperia S:

  • SuperAMOLED Plus screen has excellent black levels and better viewing angles
  • Expandable storage, 16GB/32GB built-in over 32GB fixed storage
  • 8.5mm thick (with some thicker areas) over 10.6mm (with thinner areas)
  • Weighs 116g over 144g
  • Bluetooth 3.0+HS over Bluetooth 2.1
  • 2MP front-facing camera over 1.3MP front-facing camera
Both phones have features that we wish the other had, so there's no clear winner. Also, we'll be doing thorough testing too match the performance in seemingly equal areas (e.g. 1080p video capture) and also if the differences change the end user-experience (1.5GHz CPU vs. 1.2GHz, 1750mAh battery over 1650mAh and so on).
You should already be familiar with the structure of these head to head articles - we'll start off with a general comparison and then dig into the specifics, like screens, cameras, battery life and so on.

Huawei Vision review

Key features

  • Quad-band GSM and dual-band 3G support
  • 14.4 Mbps HSDPA and 5.76 Mbps HSUPA
  • 3.7" 16M-color capacitive LCD touchscreen of WVGA resolution (480 x 800 pixels)
  • Android OS v2.3.5 Gingerbread
  • SPB Shell 3D launcher preloaded
  • Qualcomm Snapdragon MSM8255 chipset, 1 GHz Scorpion CPU, Adreno 205 GPU,
  • 512 MB of RAM and 2 GB ROM
  • 5 MP autofocus camera with LED flash and geotagging
  • 720p video recording @ 30fps
  • Wi-Fi b/g/n and DLNA, hotspot functionality
  • GPS with A-GPS
  • microSD slot, up to 32GB
  • Accelerometer and proximity sensor
  • Standard 3.5 mm audio jack
  • Stereo FM radio with RDS
  • microUSB port (charging) and stereo Bluetooth v2.1
  • Front facing camera
  • Compact aluminum unibody

Main disadvantages

  • Below-par sunlight legibility
  • No dedicated camera key
  • No video calling out of the box
  • Non-user-replaceable battery
  • SPB Shell 3D launcher looks messy
  • Non-hot-swappable microSD slot
The Vision reports to the Honor in the previous generation of the Huawei Android lineup. By far the better-equipped smartphone, the Honor was let down by a stark lack of style. The Huawei Vision must've been quick to grab the chance. Not that it's propelled to staggering heights of finesse but the unibody design is a source of st

Nokia X2-02 Review

Key features

  • Dual-SIM, dual-standby phone
  • SIM manager with dedicated settings for up to five SIM cards
  • Dual-band GSM/GPRS/EDGE support
  • 2.2" 256K-color TFT QVGA display
  • S40 6th edition
  • 2 megapixel fixed-focus camera
  • QCIF video recording at 15fps
  • Stereo FM radio with RDS, Built-in antenna, radio recording
  • FM transmitter
  • Facebook and Twitter apps
  • Bluetooth v2.1 (with A2DP)
  • Standard microUSB port
  • microSD card slot (32 GB supported)
  • 3.5mm audio jack

Main disadvantages

  • No 3G
  • Basic still camera and video
  • Doesn't charge off USB
  • No screen brightness control
  • No smart dialing
  • No flashlight
Phones like the Nokia X2-02 are at the bottom of the food chain. Most of the time, a flashlight is all the extra functionality one can hope for. A 2MP fixed focus camera and blurry choppy videos are the closest to luxury you can get at this price. Dual-SIM telephony is the main course, but in the X2-02 the side dish may be just as tasty.

Tuesday 31 January 2012

How to Find Affordable Car Insurance

It has become well known that consumers can find the most affordable car insurance rates online. The internet has dedicated itself to providing insurance quotes for every state in the USA. By entering just a small amount of information including your zip code, you can obtain insurance quotes from a whole host of providers.
Compare Prices
By reading over the different quotes, you are then equipped to compare prices by some of the leading companies and their competitors. This is a simple and free process, and you will have the ability to choose the provider that suits your needs best.
This is also a very safe and secure process since you will receive your quotes from the providers themselves. The online sites that assist you in this do not ever attempt to get between you and the insurance company. The greatest advantage is that you can see different quotes from different providers and ultimately see who is the most competitive before you start filling out any forms.
Competitive
Since it is common knowledge that this is a very competitive field, you surely understand that these companies are competing for your business. These insurers will try their best to get your business before their competitor does. You should also know that these companies are some of the top insurers in the country.
Affordable car insurance can definitely be found online because of the high amount of traffic these sites get. It is very appealing to most people to find all the insurance information that they need in a simple mouse click. On top of that, it doesn't take long at all to find out the rates and quotes. In 30 minutes or less you can easily acquire 3 of them at least.
Once you do find a provider that suits your vehicle and driver needs, you will be able to send a lower renewal premium at the end of the policy term. Do not make the mistake of renewing with an existing provider without first asking questions regarding your policy. You may be giving away your much needed money for no reason at all. Be sure and always ask questions of your insurance agent. You can never be too informed.
If you want to acquire the best auto insurance online, but still at fantastic rates don't be afraid to do the research. There are plenty of articles online explaining it, and also there are many sites dedicated to providing you with the most current and up to date information on car insurance.

Article Source: http://EzineArticles.com/6841826

Compare Car Insurance Costs For Best Coverage

As a car owner, you now know that the cost in owning a car does not stop with buying it. Apart from registration, other local taxes, fuel, and maybe parking costs, you need to have insurance coverage. Insurance being a significant cost in owning a car, it makes sense to make car insurance comparisons, not just for saving money but also for competing options. In the same way that you looked at a car's features before buying it, so should you also look options after the basic insurance coverage. Make sure that your coverage is for more than simple repairs. The more expensive your car is, the more features it will have that are expensive to repair. Having insurance coverage for expensive equipment ensures that you will not be forced into an expensive cash outlay. Having an expensive car doesn't mean that it's a magnet for car thieves. In a survey of cars most often chosen by car thieves, a luxury model from a German manufacturer ranked very low on the list of car thieves' favorite cars. Using updated lists of the most stolen vehicles, insurance companies adjust the premiums for these cars, reflecting the higher risks with insuring these vehicles. If your car is not a high risk model, make sure that a car insurance comparison reflects this fact.
As you may be aware, the age group a person belongs in is a significant factor affecting how much your insurance coverage will cost. Teenagers combined with high performance cars probably have the highest rates. The same goes for new drivers and entry-level cars, which are a combination proven to be risky for car insurance companies. In a comparison illustrating how insurance companies view young drivers, the cost of insurance between a young driver in a Kia and a 40-year old driving a Corvette only had a two hundred dollars difference. When making car insurance comparisons, the national average insurance costs are a good reference. Bear in mind though that these averages are for a 40-year old driver with a clean driving record. Different factors will add or subtract from the premiums you will have to pay.
Consider the options an insurance company may have, apart from your basic coverage. Making a car insurance comparison will show differences between an aggravating post-accident situation and smooth sailing. Towing or road assistance in an accident may seem like remote possibilities but are a godsend when you need them

Article Source: http://EzineArticles.com/6844168

Car Insurance For Young Drivers Driving You Mad?

Car insurance for young drivers is a costly business these days and many insurers admit that they are less than willing to insure drivers falling into this high risk category.
While statistics are notorious for being 'flexible' those relating to the 17-25 year old age group of drivers are fairly clear. Accounting for only a small amount of drivers on the UK's roads, there is a one in three chance they will be behind the wheel during an accident. With quotes ranging from £2000 - £10000 it's unsurprising that many young drivers find it impossible to buy insurance. Understanding the market and how to access cheaper quotes is crucial for many young drivers and can offer some significant savings.
Busting some Myths
Car insurance for young motorists is cheaper if you are female. Not anymore! Despite statistics showing that the highest risk driving category is actually men between the age of 17 and 25, recent equality rulings have made it impossible for insurance companies to offer lower premiums for women.
There are no ways to cut the cost of car insurance for young drivers. Wrong again. There are a number of simple ways to reduce the cost of your premium - even in your first year of driving.
Adding a young motorist to an older driver's policy is the best way to save money. This can save money, but doesn't allow you to build up your own no claims bonus. A policy in your own name allows you to do this and to benefit from significant reductions in the cost of subsequent years insurance.
Third party is cheaper than fully comprehensive insurance. For experienced drivers this is usually the case - but not so for young drivers. Often the costs can be roughly the same, but fully comprehensive can come with added extras such as breakdown and recovery. The extras can actually make it the most competitive car insurance for young drivers
Finding some solutions
A lower powered, older car will be cheaper to insure than a brand new high performance model. It may not be the car of your dreams, but can help you to gain experience of driving and build up a record of good driving.
Adding security features such as immobilisers, alarms and parking off-road or in a garage can help to reduce the cost of insurance.
Additional driving courses such as Pass Plus can allow you to access significant savings on car insurance for young drivers. The course costs around £150 but some insurers will discount your policy by up to 35%.
Consider 'Pay how you drive' policies. These are few and far between at the moment but are aimed at young drivers, specifically to lower their insurance costs. A smart box is fitted to your car and monitors your speeds, braking, cornering and other driving skills. Good driving is rewarded with excellent rates of car insurance for young drivers.
Comparison shopping is a must for any driver, but especially for car insurance for young drivers. Comparison sites don't always check the same insurers so check a few and look for specialist sites and brokers. The car insurance industry is competitive and there are insurers looking for your business. Some simple steps and a little time invested in hunting down the deals can mean that car insurance for young drivers is still a possibility.

Article Source: http://EzineArticles.com/6842021

Savvy Ways to Find Affordable Car Insurance

Americans spend billions of dollars a year on car insurance and in tight economic times, finding ways to save a few dollars is sanctuary. Too many times consumers choose to stay with the companies they have been with for years either because it is convenient or because they aren't aware of the host of discounts available by other companies. Car insurance companies are tripping over themselves competing for consumer's business. For a little time and some basic research, consumers can find savvy ways to find affordable car insurance.
Many auto drivers are aware of the basic discounts to be had in the car insurance world such as safe driver and driver education savings. The times of there being only a few car insurance companies to choose from though, are long gone. A competitive market equals savings and by conducting a simple Internet search, you will be amazed at how much money is being thrown out the window and into car insurance company's bank accounts.
Before researching affordable car insurance a driver must know their driving record. It is one of the first questions insurance companies will ask and they will find out themselves anyway. Be aware of any violations on your record and also inquire with the Motor Vehicle Administration when any outstanding violations are due to come off. Although accidents remain on driving records forever, many car insurance companies forgive accidents after 3-5 years. Other violations such as hitting a pole (as long as it isn't alcohol induced or otherwise) do get removed after a period of time however, and that can save drivers a lot of money.
Comb over your current policy and see where it can be trimmed. Car insurance companies are like any other salesperson; they want to sell you the most expensive package and still make it look appealing. Speak with the agent about what coverage you truly need and get rid of what it unnecessary. This is also a great time to consider increasing your deductible. As scary as that sounds, many people have great driving records and if you're one of them, banking on the fact that you will not cause an accident can save you hundreds on your policy. Some insurance companies will offer a higher deducible to lower your monthly payments, though they don't advertise it.
If there is more than one car in your household, even if it is a classic or seasonal car, consider a multiple car discount. Tons of car insurance companies will reduce rates for multiple cars (some will even allow not working vehicles to be insured as well) and this equals savings. Also inquire about adding someone as a driver to the policy such as a spouse; often times multiple drivers on one policy can save you money.
One of the biggest money saving tricks when searching for affordable car insurance that many don't know about is mileage. Figure out how many miles you actually drive your vehicle. Many insurance companies base their premiums on the average 10-15,000 miles a year, but many drivers don't come close to that! If you don't work outside the home or only work part-time, you are probably driving less than that average. How many miles away is your job? Know that number before searching for affordable car insurance. Multiply that number by how many days a week you work to get an estimate. Particularly for multiple vehicle homes, mileage is shared by more than one car. If you know you drive considerably less than the average mileage, make this known to your insurance company. The amount of savings will probably shock you.

Article Source: http://EzineArticles.com/6841057

Total Loss Vehicle Settlement - What Happens When Your Car Is Totaled

In our last post I explained how your insurance company would likely determine if your vehicle was a total loss from a covered accident. Understanding how your company makes this determination is important, however, understanding how they will value your car is even more important.
Once your car is determined to be a complete loss, the process that follows can be confusing. I wanted to provide some insight, from an insurer's perspective, that can help you get through the total loss process should you ever find yourself in that situation.
It is important to remember that, if your car is deemed a total loss, your carrier has a duty and obligation to pay you the ACV (Actual Cash Value) or fair market value for your vehicle. Understanding that, we want to be sure you are armed with solid & reliable information in the unfortunate event you find yourself in this situation.
The Value or ACV process:
The ACV or Actual Cash Value of your vehicle is a term that is meant to demonstrate & prove what the fair market value of your vehicle is on the date of the accident. Your carrier will have your car inspected, noting all options & features as well as estimating the condition of the vehicle prior to the accident. Below is a short list of some of the main variables involved when determining the value of your car:
  • Year, make & model
  • Features or upgrades on the car from the manufacturer
  • Is there aftermarket equipment on the car & if there is, does it add or detract from the market value
  • Condition rating: estimate of the condition of the vehicle prior to the accident
  • Mileage (this, as we all know, can have a substantial impact on value)
Your insurance carrier will then use a 3rd party, such as CCC, to secure a fair market value for your car. Here is a short list of things that a 3rd party will look at when estimating the value:
  • All of the vehicle details noted above
  • Your zip code, which tells them exactly where you live
  • Comps: most insurance companies will require at least 2 solid comparative vehicles
Note that where you live is important as vehicles can have different values based on where you live as the market (where you are) is what dictates what cars like yours would sell for at the time of the accident. Also note that the comps are how a price or value is determined as it is meant to convey what a vehicle like yours, same make/model/year, condition and features, would be worth in it's pre-accident condition.
One question or issue that does come up at times is "there aren't any vehicles exactly like mine where I live, now what?" In this scenario, most of the time the insurance company will then look for a vehicle that is a year newer than yours with similar features & in similar condition. It is usually not permitted to use an older vehicle as a comp in this case.
What if I don't agree with the value?
This is most often one of the biggest challenges when trying to settle a total loss claim: I don't agree with the valuation that my adjuster provided to me. It is ok, though, this happens frequently and if armed with good, accurate information, you can navigate your way through this. Here is how:
  • Request a copy of the valuation
  • Review the details and ensure it represents your vehicle: options, mileage, condition, etc.
  • If you feel the value is truly not accurate, do some research and find a few comps of your own, ensure they are accurate. Provide your supporting information to your carrier for consideration
  • If they don't move, advise you are formally disputing the valuation.
  • Request that your insurance company issues payment for the "undisputed amount"
  • Secure your own independent valuation, your insurance company will get one of their own
  • The two of you will then come together and compare the valuations and reach a resolution
I know, you now have a few more questions, thought you might. Let's address those:
  1. What do you mean by "undisputed amount?" You don't want your claim halted and, if you have rental coverage and are in a rental car, most insurance companies will only extend rental for a few days after they have made an offer to you to settle your total loss. The undisputed amount example: Valuation comes in at $20,000 but feel your car has a market value of $24,000 but are not disputing it is worth at least the $20,000. So, you accept the $20,000 but continue with the process. This will not prevent you from collecting more money should it be supported but it does get you something right now.
  2. If you dispute the value and go down that path, you will have to, at your own cost, have an independent market valuation completed on your car. There are some great companies out there to help you, such as http://www.iada.org/.
I highly recommend that you work directly with your insurance company directly to resolve a dispute like this. Remember, this is a negotiation based on some subjective supporting evidence and some objective information as well, such as the make, model, year and features. The insurance carriers want to settle your claim and will, most of the time, be reasonable and work with you to settle your claim.
In addition, I strongly suggest you review your policy before going down the dispute path so you understand exactly what your policy states as it relates to this type of claim. All policies and companies have differences, some subtle and some not. Your policy will be the guiding rule over your claim so it is important to understand what it says and what your rights are.
You can also refer to your state's Department of Insurance site to see if your state has specific rules and laws as it relates to the handling of a first party total loss claim.
So, in summary, hopefully now you have a better understanding of how a value is obtained, you also have an idea on what you can do if you happen to disagree with the value. Just remember to be sure you are able to support your dispute in value with solid information if you want your company to consider your position. And, recall, this IS a negotiation so be calm and deliberate with your argument and information. I can almost guarantee it will lead to a fair resolution of your total loss claim.
Marc Berry brings over 8 years of direct experience in the auto insurance field, having worked for 2 of the largest and most respected insurance companies in the nation.

Article Source: http://EzineArticles.com/6843089

What Is the Difference Between a Flood Damage and a Water Damage?

Flooding refers to a large deposit of water around a home or building, or when the ground can't support the excess amount of water. At this point, the water will enter into a home or building and create damage. This is referred to as flood damage.
On the other hand, water damage is usually caused by internal issues in a home or building, including, but not limited to toilet over-flows, burst pipes, water heater leaks, broken sprinkler heads, etc.
The difference between flood and water damage to home and business owners', is who is responsible - financially and legally.
Financially, your damage will potentially fall under your insurance company or the Federal Emergency Management Association (FEMA).
FEMA covers homes and buildings in states that are in a "flood zone," or if the flood is in an area that is under a State of Emergency. However, you should always contact FEMA directly and never assume a damage will be covered; as with all government programs, the rules can change based on particular circumstances and policies differ from state to state.
Insurance companies have a policy, which is basically a contract, with the home or business owner stating what will and will not be covered. Generally, insurance companies cover water damages, where the home or business owner could not prevent the hazard.
Unfortunately, many policyholders are shocked when they learn that their claim has been denied when they sustain flood damage. They discover that the insurance company deemed the damage was the result of a "maintenance issue" (what the homeowner could control). Most home and business owners do not even know that there are maintenance issues required of them under their policy. According to the insurance industry, home and building owners are supposed to inspect basements and windows to determine potential leak and flood liabilities!
The most important thing you can do is to carefully review your insurance policy so that you are not caught by surprise for any type of damage that may occur! As well, if you discover any type of water in your home or business, contact a restoration company immediately! The quicker the water is removed, the less damage and expense you will incur.
As you have read, flood damage and water damage are actually two different situations. They make look the same or seem the same, but depending on who is paying are actually worlds apart in definition. If you have water issues in your home or business make sure you understand the situation before you begin.

Article Source: http://EzineArticles.com/6723521

Motorcycle Insurance Rates - How To Reduce Your Costs

If you feel that you're motorcycle insurance rates are too high, then you'll be happy to know that there are plenty of things you can do to lower your monthly premiums and get your insurance bill under control again. Here are five key areas where you can trim a little cost off the top to reduce your motorcycle insurance bill.
Downsize Your Motorcycle
One way that you can reduce your motorcycle insurance rates is by downsizing your motorcycle from a cost as well as a performance standpoint. Cruisers carry much lower insurance premiums than sport bikes because there is less risk involved with riding them. As you may or may not know, risk is one of the key functional items used to calculate insurance premiums.
Motorcycles that have bigger engines and travel at a higher rate of speed are considered to be more risky. This in turn means that the likelihood of getting into an accident is higher and thus there is an increased chance that a claim will be made. For those reasons there is an increased cost associated with insurance riskier motorcycles.
You might also consider buying used versus buying new because used motorcycles are worth less than new motorcycles. Often times new motorcycles must be fully insured if there is a lean against the title. Full coverage is going to be more expensive than that which is required for used motorcycles.
Opt For A Higher Deductible
Another way that you can reduce motorcycle insurance rates is by opting for a higher deductible. When you choose a higher deductible you are agreeing to pay more out of pocket cost when an accident occurs. This means your insurance company will have to pay out less for a claim so they will charge you a lower premium monthly premium. If you feel reasonably confident that you won't ever have to submit a claim, then a higher deductible might be the way to go in order to reduce monthly premium costs.
Don't Over Insure
Choosing too many coverage options or unnecessary coverage options can result in a high monthly insurance bill. Instead, stick to those coverage options that are necessary. Make sure that you are carrying the minimum amounts for required coverage options, and don't under-insure your motorcycle because this could end up being more costly in the long run. Also keep in mind that there are minimum limits that must be met in each state so you should be aware of whether or not your policy meets those requirements.
Bundling Your Insurance
Saving on motorcycle insurance rates is also made possible by bundling insurance policies together under one package. If you have individual auto, home, and motorcycle insurance policies with the one company, consider consolidating them into one policy. Most insurance companies offer package discounts to customers who bundle their policies together. Doing so can drop your monthly premiums substantially depending on the discount percentage your insurance carrier is providing.
Training and Certification
Finally, if you're looking to save money on motorcycle insurance rates, you'll be happy to know that most insurance companies offer discounts to those who participate in a motorcycle safety course. Rider safety training helps you become a safer and more knowledgeable rider. This is something insurance companies like to reward.

Article Source: http://EzineArticles.com/6734369

Caravan Insurance - Some Crucial Information About The General Conditions

We all know the old saying when dealing with financial products that you should "check the fine print" and this can also be extended to caravan insurance, after all these are contracts of law and the potential pitfall of not complying or understanding policy conditions can be very costly.
Caravan insurance, like many others, normally consists of a general policy wording (which applies to all policyholders) and a schedule of insurance which notes the specifics of you as the policyholder, the basis of the contract, your personal and caravan details and any specific endorsements (conditions that you need to comply) applicable to you.
There are basic conditions that would apply to any insurance contract, such as taking all reasonable steps possible to reduce the amount of a loss (effectively if you damage the van you can organise necessary urgent repairs as this will reduce the size of the claim), and if the claim is in any way fraudulent or exaggerated then the cover could be cancelled from the start of the claim declined.
There are also conditions that are applied by different caravan insurers, for example most insurers have security requirements. This can vary from the basic hitch-lock and wheel clamp, to alarms and trackers on higher value vans. Most insurers will insist that if the caravan is left unattended (that being if all of the people in the towing vehicle) and detached then there must be wheel clamp and/or a hitch lock attached to the van. If the van is left unattended whilst attached (say at a service station when you get out to have a coffee) then the general security is to ask for a wheel clamp to be attached.
It is important to check your policy conditions in respect of security, as insurers can decline claims if this is not complied with. Many insurers ask for trackers on certain makes and values of caravans, as an example Hobby Caravans have been difficult to insure in the recent past due to a high theft risk.
Another important note is that if you have an awning you must not leave it up unless the caravan is in use, as in you need to be holidaying with the caravan. The reason behind this is that awnings are not steady and not designed to withstand wintry and stormy conditions.
Almost every insurer exerts an excess into the policies, that being an amount that is deducted from the final claim amount, typically £100. When a claim is settled this figure would automatically be removed from the total.
Insurers would also have, if contents are added onto the policy, a single item limit similar to household insurance. This means that the insurer will not pay more than the agreed amount, typically £250 for the item. Regarding contents, all insurers deduct an amount for wear and tear and to take account of the drop in value.
It must be noted that the above is not an exhaustive list and we will be back with more important points very soon!

Article Source: http://EzineArticles.com/6830394

Options for Getting Car Insurance Quotes Online

In the past, getting car insurance quotes involved going down to your local insurance agent's office and crunching the numbers, then calling around to compare the quote with other insurers after the fact. The process was long, grueling, and incredibly inconvenient. Fortunately, the Internet changed all that. Now, you can simply hop online and get quotes from multiple companies from the comfort of your own home, and you can manage your policy online after you make your selection as well.
Using an Insurance Comparison Site to Get Car Insurance Quotes
A great first step to take when getting a quote for car insurance online is to visit an insurance comparison site. Simply run an Internet search and it will return dozens of listings from which you can choose. Select one from the results and visit the site. Most comparison sites will require you to fill out a form with basic demographic information and a little background about your driving history. Once you've filled out the form, you will have a list of quotes from leading sites all competing for your business. This is a great way to price match all in one place.
There is one caveat, however. When you use insurance comparison sites online, remember that the quotes you are given are just preliminary numbers. You will need to visit the site of the insurance company you select and apply in order to receive the most accurate quote information. This is because an insurance comparison site is just using the basic information that you provide voluntarily in order to gather data for you. Once you actually apply for insurance, the company you choose will do a thorough background check, and the resulting information may be different from what you initially submitted when you visited the comparison site.
Comparing Car Insurance Quotes Yourself
If you would rather compare quotes on your own, you may get a more accurate reflection of what you can expect to pay once you sign up with a company. You will also find out about special offers the company may be running when you request a quote directly through the website instead of through an insurance comparison site. A downside to this option is that you must do the legwork yourself, and visiting every site and entering your personal information multiple times can become time consuming very quickly. Set aside an afternoon to get the job done, and keep track of the insurance companies you checked out along with the quote information you obtain from each one.
When you choose to compare car insurance quotes yourself, you are also opening yourself up to aggressive marketing techniques once you query a company. Each establishment will have your email as well as your mailing address once you submit a request for a quote, so you will likely be bombarded with sales pitches in your inbox and letters in your mailbox for many weeks after your search. Whenever you have the option, opting out of promotional emails while you are searching is a wise decision.

Article Source: http://EzineArticles.com/6846941

What Are The Easy Ways Of Locating The Best Private Hire Taxi Insurance?

Is Insurance Necessary?
There are a lot of people who usually grudge when it is time to pay their insurances. But, if you are a private taxi hire service provider, then it is very important for you to follow the legal state rules for taxi operators and the first and the foremost thing that is required by a cab operator is to get a private hire taxi insurance policy. It is ideal for any taxi owner to get a comprehensive insurance policy that will suit his requirements before commencing his business. A private hire insurance that will take care of the financial obligations of your private taxi damage, covers third party's life and property in case of any untoward accidents and also protects the taxi owner will be the ideal policy that you need to choose.
Online Research
One of the best and the easiest ways of finding cheap taxi insurance company according to your needs and requirements will be the browse the internet. All you need to do is to type the keywords online taxi insurance specifying a particular area in the search engine box provided in the major search engine website and the website will do all the hard work for you in finding out the best minicab taxi insurance company in your specified area. All you need to do is to click on the website link provided in the result page and you will be immediately directed to the website of the company. Price comparison sites also will be an ideal option for you to find the best insurance quote company by carrying out a comparative study of various online insurance companies. Another advantage that you will get out of choosing the ideal taxi insurance company online is that you will be able to locate them by sitting in the comforts of your own home.
Friends And Relatives
One of the ideal options that you can tap to locate your best private hire insurance policy provider will be to ask your friends, colleagues or relatives who have earlier hired similar companies for their insurance needs. By doing so, you will not only be able to find the best private hire taxi insurance company, you will also save a lot of time and money searching different companies. You will also be able to learn more about the insurance company from your friends or relatives and by interacting with them you will be able to judge whether the company will suit your needs and requirements.
Phone Book And Telephone Listings
The phone book and the telephone directory that you have in your homes is also a source from where you will be able to find the details of private hire insurance firms printed. As you scan through these pages, you will be able to locate the phone number and the address of the insurance company. You will need to phone each company individually to know their insurance policy details and their costs. If you find any interesting information, then you can call the insurance agent to your home for further discussions.

Article Source: http://EzineArticles.com/6847412

Car Insurance For Low Cost

Cheapest Companies
There is absolutely no such thing as the cheapest company. Every single driver is rated according to their age, driving history, coverage, vehicle and the area they reside in. In the state of California, every insurance company files their rates with the Department of Insurance which allows open and competitive market. For an experienced, good driver a preferred company can have an outstanding rate, while being super expensive for their young child. The only way to find a great rate is to shop rates with various insurance carriers. You might even consider an insurance agency as opposed to a direct company because you will have endless options with extremely low cost rates. A direct carrier only has one program that you can rate with.
Realizing how the rating process operates will benefit you in savings for your auto insurance shopping. You get an automatic savings when paying in full since this eliminates billing fees throughout your policy period. In addition, purchasing a twelve month term instead of a six month automatically discounts your premium because insurance carriers offer better rates for long term customers. Ask for coverage recommendations to ensure you understand the coverage options that are available to you. Having higher liability limits can actually be acquired without breaking the bank. Most people do not realize that uninsured motorist is really only an extra seven dollars a month.
Getting quotes for a high risk driver usually means paying more for your car insurance. This is why you shop all the high risk auto companies because believe it or not, there are companies that specialize in high risk drivers and hardly charge at all for them. If you have points or violations on your driving record you are automatically considered higher risk. Young drivers, inexperienced drivers and drivers with accidents are also considered higher risk. What one company can charge you- you can get more coverage for half the price with a company that specializes in your situation.
You can also obtain low cost insurance coverage even if you may not have a driver's license. How is this possible? There are certain insurance carriers who's underwriting guidelines allow it. Whether your license is suspended, you don't have a license at all or if you simply have an international ID or license, you are eligible for coverage. So be smart and search online for insurance companies nearest you. Lastly, shop your rates with companies that specialize in your insurance needs.
This was brought to you by Natalie Fanin, insurance specialist from Dependable Auto Insurance Services.
For more information on cheapest insurance rates in California visit our website.
This article was brought to you by Natalie Fanin. http://www.dependableautoins.com
Interests include reading, writing and non-profit organizations.
Sales and business development, including marketing, customer relationship development, policy maintenance, web based sales, team work, and mentoring.

Article Source: http://EzineArticles.com/6843189

Total Loss Vehicle Settlement - What Happens When Your Car Is Totaled

In our last post I explained how your insurance company would likely determine if your vehicle was a total loss from a covered accident. Understanding how your company makes this determination is important, however, understanding how they will value your car is even more important.
Once your car is determined to be a complete loss, the process that follows can be confusing. I wanted to provide some insight, from an insurer's perspective, that can help you get through the total loss process should you ever find yourself in that situation.
It is important to remember that, if your car is deemed a total loss, your carrier has a duty and obligation to pay you the ACV (Actual Cash Value) or fair market value for your vehicle. Understanding that, we want to be sure you are armed with solid & reliable information in the unfortunate event you find yourself in this situation.
The Value or ACV process:
The ACV or Actual Cash Value of your vehicle is a term that is meant to demonstrate & prove what the fair market value of your vehicle is on the date of the accident. Your carrier will have your car inspected, noting all options & features as well as estimating the condition of the vehicle prior to the accident. Below is a short list of some of the main variables involved when determining the value of your car:
  • Year, make & model
  • Features or upgrades on the car from the manufacturer
  • Is there aftermarket equipment on the car & if there is, does it add or detract from the market value
  • Condition rating: estimate of the condition of the vehicle prior to the accident
  • Mileage (this, as we all know, can have a substantial impact on value)
Your insurance carrier will then use a 3rd party, such as CCC, to secure a fair market value for your car. Here is a short list of things that a 3rd party will look at when estimating the value:
  • All of the vehicle details noted above
  • Your zip code, which tells them exactly where you live
  • Comps: most insurance companies will require at least 2 solid comparative vehicles
Note that where you live is important as vehicles can have different values based on where you live as the market (where you are) is what dictates what cars like yours would sell for at the time of the accident. Also note that the comps are how a price or value is determined as it is meant to convey what a vehicle like yours, same make/model/year, condition and features, would be worth in it's pre-accident condition.
One question or issue that does come up at times is "there aren't any vehicles exactly like mine where I live, now what?" In this scenario, most of the time the insurance company will then look for a vehicle that is a year newer than yours with similar features & in similar condition. It is usually not permitted to use an older vehicle as a comp in this case.
What if I don't agree with the value?
This is most often one of the biggest challenges when trying to settle a total loss claim: I don't agree with the valuation that my adjuster provided to me. It is ok, though, this happens frequently and if armed with good, accurate information, you can navigate your way through this. Here is how:
  • Request a copy of the valuation
  • Review the details and ensure it represents your vehicle: options, mileage, condition, etc.
  • If you feel the value is truly not accurate, do some research and find a few comps of your own, ensure they are accurate. Provide your supporting information to your carrier for consideration
  • If they don't move, advise you are formally disputing the valuation.
  • Request that your insurance company issues payment for the "undisputed amount"
  • Secure your own independent valuation, your insurance company will get one of their own
  • The two of you will then come together and compare the valuations and reach a resolution
I know, you now have a few more questions, thought you might. Let's address those:
  1. What do you mean by "undisputed amount?" You don't want your claim halted and, if you have rental coverage and are in a rental car, most insurance companies will only extend rental for a few days after they have made an offer to you to settle your total loss. The undisputed amount example: Valuation comes in at $20,000 but feel your car has a market value of $24,000 but are not disputing it is worth at least the $20,000. So, you accept the $20,000 but continue with the process. This will not prevent you from collecting more money should it be supported but it does get you something right now.
  2. If you dispute the value and go down that path, you will have to, at your own cost, have an independent market valuation completed on your car. There are some great companies out there to help you, such as http://www.iada.org/.
I highly recommend that you work directly with your insurance company directly to resolve a dispute like this. Remember, this is a negotiation based on some subjective supporting evidence and some objective information as well, such as the make, model, year and features. The insurance carriers want to settle your claim and will, most of the time, be reasonable and work with you to settle your claim.
In addition, I strongly suggest you review your policy before going down the dispute path so you understand exactly what your policy states as it relates to this type of claim. All policies and companies have differences, some subtle and some not. Your policy will be the guiding rule over your claim so it is important to understand what it says and what your rights are.
You can also refer to your state's Department of Insurance site to see if your state has specific rules and laws as it relates to the handling of a first party total loss claim.
So, in summary, hopefully now you have a better understanding of how a value is obtained, you also have an idea on what you can do if you happen to disagree with the value. Just remember to be sure you are able to support your dispute in value with solid information if you want your company to consider your position. And, recall, this IS a negotiation so be calm and deliberate with your argument and information. I can almost guarantee it will lead to a fair resolution of your total loss claim.
Marc Berry brings over 8 years of direct experience in the auto insurance field, having worked for 2 of the largest and most respected insurance companies in the nation.

Article Source: http://EzineArticles.com/6843089
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