leporine leapers In a recent article on Business Safety Magazine (BSM), it was noted that the majority of businesses do not have an adequate level of security guards. Specifically, a survey was conducted which indicated that only 20% of businesses with one or more parking garages had adequate parking security. There is a definite need …
The post Providing Increased Security for your Parking Garage first appeared on Helios7.com.
]]>In a recent article on Business Safety Magazine (BSM), it was noted that the majority of businesses do not have an adequate level of security guards. Specifically, a survey was conducted which indicated that only 20% of businesses with one or more parking garages had adequate parking security. There is a definite need for businesses to seriously consider investing in the acquisition of security guards who are knowledgeable about all aspects of parking garages and who are able to serve as a liaison between the management and security personnel. As a result, your business will have the peace of mind of knowing that its parking garage security guards are fully aware of all the hazards that can occur during the evening and into the early morning hours, as well as being able to respond quickly and effectively to any security situation.
As with many public safety issues, the deficiencies in parking security in our community are being addressed by the creation of neighbourhood watch programs. In the past, such programs have been criticized for being ineffective in deterring criminals or unruly elements from breaking into businesses or parking garages. However, in recent years many of these same groups have been found to be quite effective in reducing crime and preventing crimes of opportunity from occurring.
Neighbourhood watch programs are designed to increase the security of your parking garage. This type of program generally consists of an armed security guard that works in pairs at all times. The armed security guards are posted in several locations around the parking garage, as well as throughout the business itself. These security guards will watch for shoplifters or other opportunist thieves that may target your business. Armed security guards are in place to deter criminals from attempting to gain access to your parking garage.
In addition to providing increased security for your parking garage, many neighbourhood watch programs also provide neighbourhood surveillance. Surveillance cameras are strategically placed throughout the parking garage in order to catch thieves in the act or view what is going on when you are not around. Many of the surveillance cameras are connected to a DVR system that records the activity they detect. You can review the recordings at any time and take steps to stop thieves from gaining access to your business premises.
Parking garages are often used by businesses as employee parking spaces. A majority of businesses fail to properly protect their employee parking garages. As well, many businesses fail to make sure that their parking garages are equipped with devices that prevent would-be thieves from being able to use the facility for personal gain. For these and other reasons, it is essential that you have a properly functioning parking garage. If you don’t have one then you must take the time to learn about the benefits of having a properly functioning and secure parking garage.
* Protection for your vehicle. You are very likely to encounter thieves while you are running errands and will need to have a parking garage that provides adequate protection for your vehicle. Some of the more expensive devices include steering wheel locks and immobilizers that can prohibit the wheels from turning. Other devices are just simple locks that can provide the peace of mind that your vehicle is safe from would-be thieves. All of these items are available to you if you decide to invest in properly securing your parking garage.
* Property Damage. When criminals break into a parking garage they can cause extensive damage to your property. In order to reduce this risk, you should have a device that will reduce or even completely eliminate the impact of a vehicle breaking a window or door. These devices can range anywhere from simple locks and security guards to alarms that will signal to the police department when someone breaks in.
* Professional Assistance. The last reason to consider investing in a properly functioning parking garage comes to you in the form of professional security services. Having professionally trained security guards monitoring your parking garage can provide you with peace of mind that you will not be broken into while you are away from work or on vacation. A professional team of security guards can also help you resolve any security issues that may arise during the course of your use of the facility. These services are also available to you should you need them.
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]]>There is no universal auto insurance policy . Despite its name, full coverage auto insurance does not cover all types of accidents or incidents. In fact, full coverage auto insurance is a bit of a misnomer , as there is no single full coverage auto insurance policy that you can buy. If you see someone taking full coverage automobile insurance, it …
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]]>There is no universal auto insurance policy . Despite its name, full coverage auto insurance does not cover all types of accidents or incidents. In fact, full coverage auto insurance is a bit of a misnomer , as there is no single full coverage auto insurance policy that you can buy.
If you see someone taking full coverage automobile insurance, it is likely that the coverage is a set of policies that includes several liability, collision and liability policies that you can adapt to your needs.
Types of Car Insurance
There are three main types of auto insurance policies that , when combined, offer you ” full coverage “. In other words, they cover you for almost any scenario you are likely to encounter with your car. These three types of fonts are collision, global and responsibility. All states require at least some level of auto insurance coverage mandated by the State. The types of coverage and the minimum amount covered by each policy vary by state. These laws are primarily designed to cover those you hurt and property that you damage if you cause an accident or are considered responsible for a collision. You can learn more by reading our guide to how auto insurance works.
Collision Coverage
If you are involved in an accident and your vehicle needs to be repaired or replaced, Collision Insurance will cover this amount , less your deductible, up to the amount indicated on your insurance policy.
With collision coverage you do not have to dictate if your car is repaired or replaced. You may prefer that your car be repaired instead of replaced, but your car insurance company may decide that it is cheaper to check the value of the vehicle . Insureds can talk to the insurance company for repairs, but they do not have the last word.
The cost of collision insurance varies considerably. You will have to decide how much money you want to be responsible for dropping out in the event of a claim. The amount you are responsible for paying is your deductible. If you choose a limit of $ 1,000, you are responsible for all costs under $ 1,000. If you have an accident that causes $ 12,000 in damages, you will pay $ 1,000 and your insurance company will pay $ 11,000.
You will always pay your deductible before the insurance company pegs a cent. You will often hear what is called”The first $ 1,000″ or “the first $ 250”. A policy with a high deductible usually costs less per month than a low deductible policy because you assume more risk. That said, if you have an accident and you have a high deductible, you will need cash on hand to pay for it, which means that the lower monthly payment may not be worth it.
You can reduce your collision insurance costs by driving a cheap car or one that is cheap to repair. Because it reduces the amount the insurance company would have to pay, it reduces the price of your collision policy.
A clean driving record will also help reduce your collision insurance costs. Your insurance company will see that you are less likely to have an accident than a driver with a lot of accidents or speeding on his record. With a lower accident risk, and a smaller chance that they will have to pay for repeated repairs to your car, your insurance company will charge you less for collision coverage . Learn more about collision and auto insurance.
Comprehensive coverage
Having a comprehensive insurance policy ensures that your vehicle is covered in the event of a non-collision incident . This type of policy covers things such as damage from hail, vandalism and theft.
If you live in an area where there are often hurricanes or floods, you will need to check with your insurance provider if your policy covers these types of natural disasters. Some insurance companies make exceptions for coverage in designated disaster areas. For them, the risk of paying in the event of a disaster is too high. Therefore, when there are fewer suppliers for a market like this, the cost of coverage may be higher than usual because there is less competition for businesses.
Like collision insurance , you can reduce your costs for comprehensive insurance owning a cheap car to repair or replace. You can also get a better rate by keeping your car in a garage, as opposed to parking it on the street. Learn more about comprehensive auto insurance and auto insurance quotes and discounts.
Liability cover
If you cause an accident and damage another person’s property, third-party liability insurance will cover the cost of repair or replacement. For example, if you are texting and driving and driving in someone’s fence, liability insurance will pay for the repair or replacement of the fence. A liability policy does not cover you, your property or others who may be in your vehicle at the time of the collision. Like collision and comprehensive car insurance, auto liability insurance comes with a deductible and limits on how much your car insurance company will pay.
Liability insurance can be divided into two categories: liability for bodily injury and liability for property damage. If you cause an accident that causes physical injury to someone outside your vehicle (another driver, pedestrian or bystander), personal injury insurance covers the costs associated with those injuries. If you arrive at the back of another vehicle, and the driver of that vehicle must go to the hospital, this type of insurance covers the cost of this treatment, minus your deductible, up to the limit determined by your policy. This type of insurance does not cover injuries you suffer as a driver or passenger.
Liability for property damage covers the cost of repairing or replacing damaged property following a collision for which you are responsible . If you drive in a fence, liability insurance will cover the repair or replacement of the fence, less the cost of your deductible, up to the limit indicated in your insurance policy. This type of policy does not cover damage to your vehicle or property.
Liability insurance policies are usually purchased with three different amounts of coverage listed. For example, a 100/200/50 liability policy covers up to $ 100,000 for injuries sustained by a person, $ 200,000 for accidental injuries and $ 50,000 in property damage by accident.
Sometimes the fonts only indicate one number, the total amount, which is broken down into the fine print of your contract. Be sure to read the fine print before signing to make sure you get the type of coverage that’s right for you.
When determining the amount of car insurance you need, you need to take into account your assets. If you are injured in an accident that causes more damage than insurance coverage, you are responsible for the rest of the amount, and you may have to do things like sell your house or liquidate your retirement accounts to pay for it. for the difference. More coverage will cost more, but it beats the loss of your home or savings. Read our guide on how much auto insurance you need to know more.
Twelve states have auto insurance laws without regard to responsibility. Drivers and vehicle owners in these states have more protection against prosecution than drivers who have policies from responsible states. If you live in a faultless state, you may want to consider buying a personal injury protection policy. A PIP policy covers your injury from an accident regardless of who is at fault. In a faultless car accident, it will be difficult to sue or have liability insurance from another driver covering your injuries, even if they cause the accident because under state laws without fault, no one is responsible for car accidents. In addition, If you are injured in a hit and run accident or injured by an uninsured motorist, a PIP policy will cover not only your medical expenses, but also other costs, which may include lost wages or transportation to medical appointments. When you buy PIP insurance, it’s coverage is limited, which means it’s possible to maximize the policy. Check with your insurer to see if this type of coverage makes sense to you.
How to Get Full Coverage ?
Auto Insurance Full coverage auto insurance can be a comprehensive offer made by an insurer including liability, collision and full coverage. Normal wear and tear on an automobile – including mechanical breakdowns, tire damage and electronic malfunctions – is not covered by full coverage auto insurance. Full coverage automobile insurance does not cover items stolen during a burglary (those covered by tenant and homeowners’ insurance policies), frost damage, or custom parts and equipment.
Before you decide on a policy, consider how your personal health insurance coverage plays into the appropriate levels of coverage. If you have a low insurance deductible, you may not want to pay for large amounts of bodily injury related policies.
Additional rule types
Despite the large amount of security that a full auto insurance policy gives you, you may need to add other types of insurance. Protection against bodily injury, medical expenses, uninsured and underinsured motorist, lender, gap, roadside assistance, umbrella, pardon, transportation costs, original equipment, custom equipment and windshield or windshield can be purchased in more of your complete coverage. Some of these policies are required by law to be part of your coverage.
Medical expense coverage pays exactly what it looks like – medical expenses related to an accident. Whether you are at fault or not, this policy can be used to pay for the care of you and your passengers in the event of a collision. Some states require this coverage.
Coverage of uninsured and under-insured motorists is another type of policy that many states require. If you are a hitman or if you run into someone who does not have insurance or whose insurance is less than the guaranteed minimum amount, uninsured and underinsured auto insurance can help cover the costs associated with the incident.
Ideally, full insurance means that you have assumed an appropriate amount of risk and are adequately covered to protect all your assets through various policies. A good insurance policy will cover all your assets at a monthly, quarterly, semi-annual or annual payment rate that fits your budget. Your deductibles should also be set at the amounts you could get in the event of an accident.
When you borrow money to buy a vehicle, the lender may require that you purchase a certain level of auto insurance, including comprehensive insurance and collision insurance. You will probably need to keep this level for the duration of your loan. These terms are stated in your loan agreement and available for you to see before logging on the line for your new vehicle. This may include policies that are not traditionally part of full coverage insurance, such as career insurance.
Gap insurance covers the difference between the value of a vehicle and the amount you owe on a loan for it. This type of coverage protects you, ensuring that you will not have to pay the loan balance if the vehicle is accounted for in an accident. You can learn more in our insurance guide from the gaps.
With so many car companies offering their own roadside assistance packages, roadside assistance coverage may not be necessary. Often, you can subscribe to a roadside assistance program, such as AAA, for much less money than an insurance policy would cost. Yet, most insurers offer this type of coverage, and it may be worth getting if you do not have roadside assistance from another source.
Umbrella insurance is a good thing to have if your assets total more than $ 1 million. This is an additional policy that comes into effect after the exhaustion of other liability insurance policies. This can be helpful if you are involved in a lawsuit following an accident.
As its name suggests, accident compensation policies allow you to be forgiven by your insurance company if you have a collision. The key rates increase frequently after this type of incident, but with a blanket of forgiveness, you will not see your bill increase after your first accident. Instead of offering this type of insurance, many companies, such as Geico and Allstate, offer a discount or a discount on your bill if you have not had an accident for some time.
Transportation cost coverage covers the cost of renting a car if your vehicle needs repairs after an accident. This type of policy can save you money in the long run, as severe damage to a car can take weeks to repair. If you only own one vehicle and do not live in a location that is well served by public transit, this type of coverage may be something to consider.
An OEM policy requires that a repair shop use parts manufactured by the original manufacturer to repair your vehicle if it is damaged in an accident. These parts are often more expensive than the spare parts. Paying for this policy each month ensures that the parts used are the parts designed specifically for your vehicle. Not having OEM parts can affect the resale value of your car.
If you have customized your vehicle, you may want to consider a custom equipment policy. Traditional policies often do not cover these expensive aftermarket upgrades.
If a burglary, an encounter with an animal or flying debris from the road damages the glass of your car, a glass cover will replace the broken glass and will lead you quickly on your way. Glass claims are the most common type of car insurance claims, so this type of coverage is well worth it. Often, glass repair shops will help you file a claim.
Why do you need full car insurance?
There are three main reasons for obtaining comprehensive auto insurance: legal compliance, lender compliance and financial risk.
Legal compliance
Vehicle owners must comply with the laws of the state where they reside. Local insurance agents are probably familiar with state regulations, but it’s important to do your own due diligence.
Each state has its own set of insurance requirements regarding the types of policies that vehicle owners must have and how high the limits of these policies should be. Most insurance companies adapt comprehensive insurance policies to specific states and provide coverage that complies with local regulations.
Lender’s compliance
When you borrow money to buy a car, the credit institution will often require that you show proof of a certain level of insurance to protect your risks. If your insurance becomes void or if you buy a policy that does not meet this condition, the bank may request the balance of your loan because you have violated the terms of your policy.
If you buy your vehicle from a dealership and have used the dealership to help you get a loan, they will often ask you for proof of insurance before handing over the keys to the car.
Financial risk
Covering yourself properly with insurance policies helps to ensure that a single car accident will not ruin you financially. If you do not have adequate coverage and become liable for medical expenses and damages related to an automobile accident, you could quickly go bankrupt. Isolating yourself from financial ruin is one of the smartest things you can do to protect your family.
How much will the full insurance cost?
There are several factors in determining what you pay for auto insurance. In addition to the type and amount of coverage, car insurance companies consider your credit score, age, gender and driving record. If you are considered too risky, some insurance companies may not allow you to buy a policy.
Where you live also affects the cost of car insurance. People living in apartments with mass parking or residents who only have street parking have an increased risk of damage to their vehicles, which could result in an insurance payment. In addition, states with no ceiling on medical claims payments, like Michigan, have higher rates because insurance companies must have more money in reserve for settlements and claims.
States where people drive frequently without auto insurance, places with dangerous weather conditions, cities with high cost of living and no-fault states also have high auto insurance rates.
Despite large differences in insurance prices across the United States, prices are generally relatively stable, with no sharp increases and decreases as markets change over time, and only slight year-on-year increases in price. other. However, natural disasters can quickly drive up insurance rates in a certain region, as companies try to regain their losses and risk assessors re-evaluate their forecasts.
When should I get rid of full coverage auto insurance?
Many industry experts recommend dropping most property and casualty insurance when the vehicle approaches the end of its life. Indeed, it is probably more expensive to insure the vehicle each year than to repair or replace it. Still, you want to comply with state regulations and protect your assets with good liability coverage.
Based on these recommendations, if your car has been going there for years, you’ll want to give up your full-coverage auto insurance policy at the end of your term and opt for coverage that’s better suited to your needs.
Who sells full coverage auto insurance?
Almost every major auto insurer – including Geico, State Farm, Allstate and Progressive – sells comprehensive insurance policies or different types of policies that together provide you with comprehensive coverage. You must ensure that all types of coverage are available in your area. In addition, some companies are willing to bundle their cars, owners, tenants or other policies,
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]]>Do I need to consult with a New York Car Accident Lawyer ? Being involved in a car accident can be a life changing experience. The implicit physical, mental and emotional effects of a car accident could stay with you for the rest of your life. If you have been involved in a car accident, you need …
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]]>Do I need to consult with a New York Car Accident Lawyer ?
Being involved in a car accident can be a life changing experience. The implicit physical, mental and emotional effects of a car accident could stay with you for the rest of your life. If you have been involved in a car accident, you need an experienced attorney at your side who can help you receive the compensation you deserve.
Most Common Types of Car Accidents in NYC
Car accidents can happen at any time to anyone, even if you have a perfect driving record. Texas leads the country with more fatal car crashes than any other state, with almost one car crash occurring every 60 seconds in 2015. Do consult with your New York Car Accident Lawyer .
Common types of car crashes include:
- Frontal collisions
- Rear collisions
- Side hit or side impact
- Accidents related to the climate,
- Collision with stationary objects such as a utility pole or a tree
- Rollovers
- Tire Removal
- Auto Accidents
Common Car Accident Injuries: Do Consult with Car Injury Lawyer Now
Regardless of the type of accident or impact force, motor vehicle accidents can cause injuries ranging from mild to extremely serious, and even death. Some of the injuries will be immediately apparent, while others may manifest over time, as complications of spinal misalignment.
The most common types of injuries resulting from auto accidents are:
- Brain damage or trauma
- Broken or broken bones
- Lacerations
- Bruises
- Spinal misalignment
- Burns
- Death
When Should You Get a Lawyer If You Have Been Involved in an Auto Accident?
If you have been injured in a car accident, you probably will not automatically receive the compensation you deserve. That is why it is important to have a lawyer on your side who has experience in handling car accidents and help you to get all the benefits you deserve. You should get an attorney if:
- The car accident in which you were involved resulted in serious injuries, such as broken bones or injuries
- permanent paralysis
- The car accident resulted in a death
- It is difficult to determine who was to blame
- The police report puts you at fault, even if you feel someone else was guilty
- The accident occurs in a construction zone
- You are not sure about your rights or the terms on your insurance policy
- Other parties were involved in the accident, such as another car or a pedestrian
- The insurance company refuses to pay or offers you to pay an amount too low (however, keep in mind that it is highly advisable to talk to an attorney before negotiating anything with an insurance company)
What Evidence Is Required for a Car Accident Claim in NY?
Evidence used to determine guilt includes:
- Photos of damages and injuries resulting from the accident
- Statements of witnesses
- Police reports
- Statements you make to your insurance company (it is highly advisable not to give any statement to the insurance company.
- insurance until after you have contacted your accident lawyer)
- Medical Records
- Reconstruction of the accident
Your attorney can use these tests to help prove someone else’s guilt and prove the seriousness of your injuries.
Statute of Limitations in Houston About Car Accident The state of Texas generally has a statute of limitations of two years, which means that you have two years from the day of your accident to file your claim. However, you should consult with your lawyer as soon as possible while the accident details are still fresh in your mind and witnesses and evidence are available.
What to do if you have been injured in a Car Accident
If you have been involved in a car accident, the following actions could prove beneficial in case you need to partner with a lawyer:
- Call 911 and the police, even if you do not believe you are injured and the damage is minimal
- Take photos of the accident site, including damage to the vehicle and other damaged structures.
- Photograph and document your injuries if you are able to do so
- Go to the hospital or emergency care if necessary
Common Mistakes After a Car Accident
- Admitting guilt – It is not wise to determine who is to blame, as you may not be aware of all the circumstances that contributed to the accident. Also state and local Texas laws that are applicable to the accident are complicated and technical.
- Failure to exchange contact information – If possible, you should exchange insurance and contact information with the parties involved in the accident. Also, make sure you get the license of the car from all parties involved.
- Do not take notes – You should write down all the details that you can think of as soon as possible. Even the small things that you think would not be important could make a difference in winning your case.
- Leaving the scene before talking to the police – This not only makes you look guilty, it could also be a felony in some circumstances. Be sure to give your statement to the police and get clearance to leave the scene.
How a Law Firm Can Help After a Car Accident
If you were injured in a car accident, you should not have to suffer from another person’s mistake. A car accident lawyer can help ensure that you receive fair compensation for your injuries and other costs associated with your accident. Even if you can not completely relieve yourself, having the lawyer on your side, you can help lighten the financial burden and stress of all situations created so that you can begin to put your life in the right direction.
New York Accident Attorneys work with each client on a contingency fee basis – if they do not win your case, you do not pay. Once they begin your case, they will devote as much time and resources as possible to help you get a positive resolution. You will have your lawyer’s direct telephone number and other contact information for immediate communication. Your lawyer will work with you around your schedule and we will meet where it is most convenient for you to ensure that we are working towards a solution.
Frequent questions
Is it really necessary for me to talk to a New York Car Accident Attorney?
Not all accidents require a lawyer. However, if you feel that you were wrongly blamed, suffered a serious injury, or feel that the insurance company offered an agreement that is not sufficient, it is in your best interest to partner with a lawyer who can help you navigate the legal field
The insurer said I do not need a lawyer, right?
Insurance companies seek to protect their own interests, not theirs. The less they pay, the more profits they get for themselves. They are notorious for denying lawsuits or making absurdly low offers. An attorney can ensure that you are paid fairly and can help you get the most money for your claim.
I do not want to go to Judgment, can you still help me?
Many cases never go to court because insurance companies and some injured people prefer to settle outside the court. There is a great chance that you will receive your compensation without setting foot in a courtroom.
How much will I have to pay?
When you win your case, you pay a percentage of your money back. If we do not win your case, you will not pay anything.
How long will it be before my case ends?
Each case is different and could take a few months or even years before an agreement is reached or the trial begins. We work hard to get you the solution you deserve as quickly as possible, but without sacrificing the value of your case. There is no way to guarantee when your case will end because it depends on many factors.
Contact a Car Accident Law Firm in New York today to discuss your Case.
There is no risk in knowing how a car accident lawyer can help you, and absolutely there is no obligation to go ahead with your case. Schedule your free private consultation today and focus on your medical recovery and financial recovery.
How to Find Best Personal Injury Lawyers in New York
Useful Resources:
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