The Basics of Insuring a Used Car

by C.B. Villares


Car insurance protects owners from liability and financial problems in the event of an accident or theft. In both cases, getting a car insured follows basic guidelines. If you intend to insure a used car, you may want to narrow down your options. Since used cars are less valuable, you should carefully consider what type of insurance and how much coverage you should get.

Here’s a list of the basic insurance options available for car owners.


Bodily Injury and Personal Property Liability

These are mandatory in most countries. These two components insure and provide financial protection for the policyholder. In the event of an accident resulting in injuries or damage to the property of other parties, the policy enables the at-fault driver to pay for the damage. Most countries and states require a minimum level of coverage. If you’re willing to pay more, you can opt to get a liability coverage which exceeds minimum requirements.


Medical Payments and Uninsured Motorist

Unlike the liability coverage, medical payment coverage is not required in some countries. Since it pays for medical expenses of the policyholder and his passengers injured in a vehicular accident, drivers with adequate health insurance may not need this. The Uninsured Motorist covers injuries and damage incurred from accidents where the at-fault motorist does not have any car insurance. If buying these types of insurance is optional in your country, consider your needs and existing financial commitments.


Collision and Comprehensive

Collision and Comprehensive policies are usually taken on brand new vehicles because of their higher values. For used cars, you should still consider them.

Comprehensive and collision covers the cost of repair or replacement of your vehicle due to collision or other accidents and even theft. The cost of damage incurred through vehicle or object collision is paid through Collision coverage, while Comprehensive pays for the damage caused by an accident other than collision such as theft, vandalism, or fire.

The car’s value is important in assessing the need for this coverage. You should evaluate your car’s total worth compared to what you will have to pay out of your pocket for the premiums.

Identify the insurance that works best by understanding your needs. Determining the value of your vehicle can help you choose the most cost-effective coverage, saving you real money while protecting you from liability at the same time.

A Teacher-Student Conversation

A first-grade teacher, Ms Neelam was having trouble with one of her students the teacher asked, "Boy, what is your problem?"

Boy answered, "I'm too smart for the first-grade. My sister is in the third-grade and I'm smarter than she is! I think I should be in the third-grade too!"

Ms. Neelam had enough. She took Boy to the principal's office.

While Boy waited in the outer office, the teacher explained to the principal what the situation was. The principal told Ms. Neelam he would give the boy a test and if he failed to answer any of his questions he was to go back to the first-grade and behave. She agreed.

Boy was brought in and the conditions were explained to him and he agreed to take the test.

Principal: "What is 3 x 3?"
Boy: "9".

Principal: "What is 6 x 6?"
Boy: "36".

And so it went with every question the principal thought a third-grade should know. The principal looks at Ms. Neelam and tells her, "I think Boy can go to the third-grade."

Ms. Neelam says to the principal, "I have some of my own questions. Can I ask him ?" The principal and Boy both agree. Ms. Neelam asks, "What does a cow have four of that I have only two of?

Boy, after a moment "Legs."

Ms. Neelam: "What is in your pants that you have but I do not have?"
Boy: "Pockets."

Ms. Neelam: What starts with a C and ends with a T, is hairy, oval, delicious and contains thin whitish liquid?
Boy: Coconut

Ms. Neelam: What goes in hard and pink then comes out soft and sticky? The principal's eyes open really wide and before he could stop the answer, Boy was taking charge.
Boy: Bubblegum

Ms. Neelam: What does a man do standing up, a woman does sitting down and a dog does on three legs? The principal's eyes open really wide and before he could stop the answer...
Boy: Shake hands

Ms. Neelam: Now I will ask some "Who am I" sort of questions, okay?
Boy: Yep.

Ms. Neelam: You stick your poles inside me. You tie me down to get me up. I get wet before you do.
Boy: Tent

Ms. Neelam: A finger goes in me. You fiddle with me when you're bored. The best man always has me first. The Principal was looking restless, a bit tense and took one large Patiala Vodka peg.
Boy: Wedding Ring

Ms. Neelam: I come in many sizes. When I'm not well, I drip. When you blow me, you feel good.
Boy: Nose

Ms. Neelam: I have a stiff shaft. My tip penetrates. I come with a quiver.
Boy: Arrow

Ms. Neelam: What word starts with an 'F' and ends in 'K' that means lot of heat and excitement?
Boy: Firetruck

Ms. Neelam: What word starts with an 'F' and ends in 'K' & if u don’t get it u have to use your hand.
Boy: Fork

Ms. Neelam: What is it that all men have one of it's longer on some men than on others, the pope doesn't use his and a man gives it to his wife after they're married?
Boy: SURNAME

Ms. Neelam: What part of the man has no bone but has muscles, has lots of veins, like pumping, & is responsible for making love?
Boy: HEART.

The principal breathed a sigh of relief and said to the teacher, "Send this Boy to the University, I got the last ten questions wrong myself!"

The Husband Store!

A store that sells husbands has just opened in New York City, where a woman may go to choose a husband. Among the instructions at the entrance is a description of how the store operates. You may visit the store ONLY ONCE !

There are six floors and the attributes of the men increase as the shopper ascends the flights. There is, however, a catch ....you may choose any man from a particular floor, or you may choose to go up a floor, but you cannot go back down except to exit the building! So, a woman goes to the Husband Store to find a husband...

On the first floor the sign on the door reads:

Floor 1 - These men have jobs and love the Lord.

The second floor sign reads:

Floor 2 - These men have jobs, love the Lord, and love kids.

The third floor sign reads:

Floor 3 - These men have jobs, love the Lord, love kids, and are extremely good looking.

"Wow," she thinks, but feels compelled to keep going. She goes to the fourth floor and sign reads:

Floor 4 - These men have jobs, love the ! Lord, love kids, are drop- dead good looking and help with the housework.

"Oh, mercy me!" she exclaims, "I can hardly stand it!" Still, she goes to the fifth floor and sign reads:

Floor 5 - These men have jobs, love the Lord, love kids, are drop- dead gorgeous, help with the housework, and have a strong romantic streak.

She is so tempted to stay, but she goes to the sixth floor and the sign reads:

Floor 6 - You are visitor 4,363,012 to this floor. There are no men on this floor. This floor exists solely as proof that women are impossible to please.

Thank you for shopping at the Husband Store. Watch your step as you exit the building, and have a nice day!

Almost Lover by A Fine Frenzy

Almost Lover

Your fingertips across my skin
The palm trees swaying in the wind
Images
You sang me Spanish lullabies
The sweetest sadness in your eyes
Clever trick

Well I never want to see you unhappy
I thought you'd want the same for me

[Chorus]
Goodbye, my almost lover
Goodbye, my hopeless dream
I'm trying not to think about you
Can't you just let me be?
So long, my luckless romance
My back is turned on you
Should've known you'd bring me heartache
Almost lovers always do

We walked along a crowded street
You took my hand and danced with me
Images
And when you left, you kissed my lips
You told me you would never, never forget
These images

Well I never want to see you unhappy
I thought you'd want the same for me

[Chorus]
Goodbye, my almost lover
Goodbye, my hopeless dream
I'm trying not to think about you
Can't you just let me be?
So long, my luckless romance
My back is turned on you
Should've known you'd bring me heartache
Almost lovers always do

I cannot go to the ocean
I cannot drive the streets at night
I cannot wake up in the morning
Without you on my mind
So you're gone and I'm haunted
And I bet you are just fine

Did I make it that
Easy to walk right in and out
Of my life?

[Chorus]
Goodbye, my almost lover
Goodbye, my hopeless dream
I'm trying not to think about you
Can't you just let me be?
So long, my luckless romance
My back is turned on you
Should've known you'd bring me heartache
Almost lovers always do

A Short Story

I'm not sure where i got this story. Its been sitting in my hard drive for years now. I guess this is one of the forwarded emails i got from my cousin. I love reading his emails, so after reading them, i saved a copy and compiled them, made it looked like a small book, a compilations of forwarded emails from friends and families.



The Prostitute
The daughter had not been to the house for over 5 years. Upon her return, her father cussed her out: "Where have you been all this time, you ingrate! Why didn't you write us, not even a line to let us know how you were doing? Why didn't you call? You little tramp! Don't you know what you put your Mom through??!!"

The girl, crying: "Sniff, sniff... Dad... I became a prostitute..."
"WHAT? Out of here, you shameless harlot, sinner, you're a disgrace to this family - I don't ever want to see you again!"

"OK, Dad - as you wish. I just came back to give Mom this fur coat and title to a mansion, a savings account certificate of $5 million for my little brother, and for you, Daddy, this gold Rolex, the spanking new BMW that's parked outside and a lifetime membership to the Country Club...an invitation for you all to spend New Years' Eve on board my new yacht in the Riviera, and .."

"Now what was it you said you had become?"

Girl, crying again: Sniff, sniff "A prostitute Dad!" ... Sniff, sniff .

"Oh! Gee - you scared me half to death, girl! I thought you said "a protestant” Come give your old man a hug..”