One More Article About Auto Insurance

What Is Auto Insurance?Auto insurance is a product that is purchased and also that can pay for damages to your vehicle or others’ vehicles in the event of a car accident or non-accident related harm. Each state has its laws regarding the amount of car insurance that each person should have to be able to drive legally. Many different factors influence auto insurance rates, as well. It does not even base on various companies; it is up to the insurance industry to determine what car insurance is and how much each person will pay for auto coverage.What is car insurance? It seems like a very fundamental question. However, there are many different facets and elements to consider about car insurance that it can get complicated very fast if you’re not that prepared for what you’re getting in. You need to know how rates are more calculated what types of coverage are available, how much coverage you need or can get, and which companies offer the best auto insurance for your needs.What Does Auto Insurance Cover?Auto insurance is used to protect you the individual or a business or organization from financial loss in regards to a motor vehicle. Financial loss can happen due to many reasons, and having auto insurance can cover your losses in a variety of ways.Liability for Property DamagesResponsibility for property damages is coverage against damage you or a person driving your vehicle with your permission does to someone else’s property. Costs can include the other vehicle, utility poles, fences, buildings, homes, businesses, or almost any type of structure your car comes into touching.CollisionCollision coverage usually protects your vehicle from damages resulting from an accident with another vehicle, pothole, car flipping over, etc. Collision coverage will pay for repairing your vehicle, or if your vehicle has damaged in the accident, it will reimburse you for the value of the car subtracting deductible and in many cases other costs.AUTO INSURANCE IN THE USAAuto insurance is a necessity, and this is amply evident from the fact that all states of the USA have made it mandatory to have car insurance on all vehicles. Most of the time, this appears to be a bothersome exercise, but why to wait until you get involved in an accident to find out how taking an auto cover takes care of your assets and you. High medical expenses and lawsuit judgments on the rise make it worthwhile to protect yourself and your precious vehicle with car insurance.Furthermore, all jurisdictions have made it compulsory to have two auto insurance systems – the no-fault system, and the Tort system. The former type of insurance favor in most states dictates that your insurance carrier shall pay the injury claims no matter who caused the accident in reality. The amount payable is up to a specified limit, and if you are involved in an accident, your carrier is liable to pay for the injury. As against this, the Tort system the injured party will have to take care of the medical expenses from their packet and then claim it from the guilty driver’s insurance carrier as recompense.With the number of accidents and theft occurring widely in the USA, it is essential for every auto owner to buy such an insurance coverage to secure both the vehicle as well as its owner in times of need.In the USA if you want to have a car on the road you have to have auto insurance. Some states even have coverage minimums where you have to have a certain dollar amount of coverage; usually, this is called primary coverage.How To Get Better Auto Insurance In The USAAuto insurance covers accident to a car. The insurance company pays for the financial loss to the owner in return for a small amount of money paid periodically. The amount paid annually is called premium, and the contract you draw up with the insurance company is known as the insurance policy. The insurance company allows you to hold the contract, and you become the policyholder.Car insurance may not come cheap. However, under unforeseen circumstances of loss or damage to your vehicle, compensation will seem like a godsend. Periodically shelling out lumps of money for protecting your car or cars owned by your business, may look expensive. There could be a tendency to try and cut corners by availing the minimum motor insurance packages. However, even minor car damage is overly expensive; therefore, a minimum package may not give you the extensive coverage at a time when you need it most.Types Of Auto Insurance In the USAThe most common types of auto insurance available in the US are the Liability Insurance, Auto Collision and Comprehensive Insurance, Medical Payments and Personal Injury Protection, and the Uninsured Motorists and Underinsured Motorists coverage. Most modern companies offer these.Liability insurance cover pays for the damage you cause to others and their property. It pays for the legal expenses involved and for the expenditure for the victim going to the court claiming damages, within your liability limits. In a case of an accident, the costs of repairing your car are covered by the collision insurance. The comprehensive insurance covers damages caused by incidents other than car accidents, such as natural calamities, theft, fire, vandalism, and hitting an animal.In a case of the insured person and the co-passenger needing medical treatment for bodily injury due to an accident, this is covered by the Medical Payments coverage. Personal Injury Protection will cover the medical expenses and the wages lost by you and the co-passenger if injured in the accident.Why You Need Auto InsuranceThe primary objective of any insurance is to protect the policyholder and his family against the consequences resulting from an unexpected injuries or death and financial burdens in the event of these disasters. It is a contract between the related insurance company and you, where you agree to pay the premium for the losses that the insurance company will need to cover in the event of accidents.The auto insurance covers these three main areas:Property coverage – refers to the damage or the theft of your carLiability coverage – relates to your legal responsibilities to others whom might in the cause of the property damage loss be incapacitatedMedical coverage – refers to the medical treatments, therapy charges, rehabilitation, lost in the ability to work, or even funeral expenses where there are faculties.The Work Of Auto InsuranceThe auto insurance also protects you from uninsured drivers or motorists. In this case, the uninsured motorists or drivers have no insurance company to pay you for the damage which had happened, but luckily you still have your insurance company to bear the losses.Protect the bank which had provided the car loan to finance your vehicle. Because if there are any disaster happening to your vehicle, no one will be able to lend or provide any additional money to you to fix the car other than the auto insurance company. Otherwise, you will need to repair the damage made to the car by your own, and this would prevent you from paying for the periodic monthly loan payment on time. The consequences are that the bank will not lend you any more money in the future, with the bad credit standing which you are in at least for some considerable amount of time.

The Project Organization and Management By Exception

Getting the project team set up right relies upon you using Management By ExceptionOne of the key principles for project management success is ensuring that the PM responsibility must be matched by equivalent authority. The PM can’t be made responsible if they don’t have the ‘clout’ to make things happen.Each individual on the project, and that includes the project manager, must be provided with a clear understanding of the Authority, Responsibility, and Accountability given to them so that their work can be accomplished. The Solution Lies In Design Of The Project Organization.When designing the Project Team, start with standard roles such as User representative, hardware engineers, and so forth. Sit down and agree with the individual what responsibilities they will have, and what levels of authority for carrying out their work.Make sure that these balance. Beware of giving someone (especially yourself!) lots of responsibility but not enough authority to carry out their responsibilities.A useful one-on-one technique I have used in the past to generate quick agreement is to take a flip chart and draw a vertical line down the middle.At the top of the left column write “This is what I expect of You” and on the right hand column “This is what You can expect of Me”Do it in any way that feels comfortable (I usually like to do all the writing and let the other person freely give me their thoughts).It’s a contract for working well together.But here’s the thing.You MUST also do it for management above you. As the Project Manager, you are responsible for delivering the project to times, coast and quality – but senior management have their responsibilities to the project as well. And these need to be agreed. Here are some examples:Who ‘owns’ the Business Case – it’s not the Project Manager!Who is responsible for agreeing the User Requirements and signing acceptance of the project deliverables – it’s not the Project Manager!Who owns the resources – it’s not the Project Manager!Who has the authority to approve Requests For Change or Off Specifications – it’s not the Project Manager!Who approves all Plans and ‘underwrites’ the project – it’s not the Project Manager!Also, beware of stakeholders who see themselves as ‘passive customers’. Be clear that if they are to be any part of the approval process within a project, they must become Active Participants. And that means getting involved early and contributing – and having responsibilities!Each individual within the organization needs to have three key criteria agreed. So let me start by nailing down what these mean:Authority. The power granted to a person so that they can make decisions that others are expected to follow. The position or role that a person holds is the usual way that authority is granted.Responsibility. The obligation a person has to perform their assignments effectively.Accountability. This means that the person is totally answerable for satisfactory completion of a given assignment.These three attributes are vital if a project and business management is to complete successfully.Starting at the beginning, it must be unfair if, after sign-off, the project manager is not allowed to respond to situations. In effect, their hands are tied – how can anyone manage in such as situation?So the Project Plan is signed off, a budget is agreed, and an end date set. The first mistake senior management make is by stating things such as “I have now approved your plan and I expect you to deliver against it” So nothing can ever change – the project manager isn’t allowed to react to risks and changes.And of course, the estimates contained within the Plan were perfect, customers never change their minds, problems never occur, the world never changes, and Santa Clause does exist!But hold on; look on the other side of the coin.Senior Management within the organization are responsible and accountable for some aspect of the business. They are investing in projects to help optimise what they are responsible for. If it was YOUR money – wouldn’t you want to tie the project down?The Project Board should have representation from the customer/user side, and the supply side. The “Senior User” has responsibility for agreeing the requirements, acting as the main interface with the customer and users, and accepting the end-product from the project.The “Senior Supplier” role is responsible for supplying all human and non-human resources to the project. Be aware there might be internal and external suppliers.Note also that these are roles to be used or shared amongst one or more individuals.Heading up the Project Board is the Executive who owns the Project Business Case, and has the final say in all project business matters.Luckily there is a middle ground – a way that makes total sense providing organisations are mature enough to use it.Just suppose that when a Plan was agreed, management gave the project manager some degree of flexibility (in the form of an agreed deviation from Plan), that management could tolerate. This agreed flexibility would be the PM’s playground that allowed them to do their job.But what should happen if the PM suddenly forecasts that these deviations will be exceeded? Why of course, they must bring it to the attention of higher management and seek guidance.But that last paragraph sounds like senior management have abdicated their responsibilities. What I mean is, once the Plan is signed off and the deviation is set – they can disappear off to the golf course until the PM tells them the project is completed.No, not quite. Senior Management would want a regular report of ACTUAL performance against plan showing the allowed deviations. It allows them to question and advise the PM should they wish to do so. And they are safe in the knowledge that if, between these regular reports, the PM forecasts a significant deviation, it will be immediately brought to their attention.Welcome to Management By Exception. Vital to organizational business management within the project AND central to Management By Exception.That’s the principles – time to get specific.Depending on your business you may use your own cultural names for the various roles that make up a project management team. Here are mine – feel free to change the role titles appropriate to your organisation.The Project Board are appointed to provide authorization and direction, and the project manager (who reports into the Project Board), is responsible for day-to-day management of the project.Now, on the project board are three roles, the Executive (owns the Business Case, and has the final say in terms of authority), the User Representative role and the Supplier Representative role.Having approved the Project Plan, the Project Board need to set an acceptable deviation – this is called Tolerance.Now, Tolerance can be time, cost, quality, scope, risk, benefit, in fact, any suitable metric. As a simple example, let’s assume Tolerance figures are given as plus/minus 10% deviation of the budget and project end date.What this means is that the project manager can manage in the normal way with the AUTHORITY to take any appropriate management action AS LONG AS TOLERANCE IS NOT FORECAST TO BE EXCEEDED.At the time of the Plan being approved, this Tolerance is set, along with the regularity of reports and their contents from the project manager.Okay, let’s imagine we are part way through the project, and to our horror, we see that the project is forecasting to come in 15% over budget. This triggers the exception process, and the project manager must escalate the situation to the next higher level within the management organization – the Project Board.Notice that we don’t wait until the deviation has actually happened, because it will be too late for pro-active actions to be taken. The Project Manager will inform the board by an Exception Report (this could be given verbally – but I would want it in writing!)The Exception Report will contain the following information:* A description of the cause of forecast deviation from Tolerance.* The impact or consequences of the deviation* Available Options to minimise the deviation or remove it completely* The impact or effect of EACH option on the Business Case, Risks, and Tolerances* A Recommendation with reasons, of the best option to takeThis is sent to the project Board who need to make a decision on one of the options.Note that one of the options could be to shut the project down prematurely.The project board level of the organization, will now ask the project manager to draft a new Plan based on the chosen option and this is reviewed by them. A decision is made to approve the new plan (called an Exception Plan), or again prematurely close the project.Once approved, new Tolerances are set and the project proceeds under the new plan.Final Thoughts.Unfortunately, upper management within the project organization, are often suspicious that the project manager may use Tolerance as ‘code’ for padding – and as a safety net for poor estimates and re-work.But they have missed the point. It is there to give the PM enough authority to carry out his/her responsibilities.So the tendency to start with, is the Project Board set VERY tight tolerances – with the consequence of the project manager forever raising Exception Reports to bring small deviations to their attention.Experienced Project Boards (in particular the Executive), will know that Tolerance should be tied back and based on the Business Case. The Executive should ask themselves “what level of Tolerance can I TOLERATE before being bought into the loop and will this level of Tolerance deviation still keep the Business Case VIABLE”.Remember also, that a Business case should be ‘viable’ (the cost and risks are worth the benefits?), ‘desirable’ (should we/must we do this?), and ‘achievable’ (can we do this?)

Home Health Care – What You Need to Know If You Have an Aging Parent

As baby boomers continue to age, the influx of aging adults 55 years and older into our society is expected to put a financial strain on our state. Those suffering from Alzheimer’s in San Diego alone are expected to nearly double by 2030. This projection by the California Alzheimer’s Association means that these next 20 years will be a time of great trials for our medical and health care institutions. Alzheimer’s and Dementia are among the most widely spread diseases that rob our aging adults of their independence in a time when their health is most fragile and care is most important. Although researchers of these diseases find themselves hopeful for future treatment and possible reversal of the disease, it is fair to say that until a significant discovery is made, the future looks grim for adult care in California. Most families who would otherwise turn to a nursing home for the care of their aging parents will turn to their families and hourly in home care to watch over their older family members when they cannot.According to a University of California San Francisco’s Institute for Health and Aging study, it currently costs nearly $97,000 annually for a patient living in a nursing home. This number is expected to grow significantly with the rise in health care cost due to the rising number California’s elderly and our state budget cuts. Many people do not make this amount of income in 1 year, and with the high cost of living in San Diego, it is expected that the future of adult care in San Diego lies with in-home care with the recipient’s family members.When dealing with the decision of what to do with an aging family member, planning ahead of time can help to avoid confusion and can make the process easier. By getting together with the entire family to discuss the matter, you can discuss who will care for the individual, where they will stay, and how each member of the family can make themselves responsible for helping. While one member of the family can care for the individual’s meals, another can take charge of maintaining their home, including chores such as mowing the lawn and other chores aimed at keeping the home safe. A trusted family member must also be placed in charge of the finances once the aging adult is no longer able to do so themselves. This will include creating a list with the person’s social security number, insurance policy numbers, bank accounts, and monthly bills that must be taken care of. In addition, a medical list must also be created and kept handy listing medications, allergies, doctors and other healthcare providers.Someone must also be in charge of communicating and overseeing that the adult is always supervised and not left alone to fend for themselves. Adults with Alzheimer’s and severe dementia are known for suffering with bouts of paranoia and delusions. Leaving them alone can lead to them hurting themselves or can lead to them forgetting to take their medications. Hourly in home care is also available from trusted home care providers to help in the times when nobody in the family is able to help. When making this decision, practice good judgment to ensure your family member’s safety.When choosing in home health care assistance, be sure to do your research to make sure you are getting a qualified person who is experienced in dealing with elderly, especially if the in home healthcare recipient suffers from dementia or Alzheimer’s. Check the website and referrals for the company providing the in-home healthcare worker to make sure their service is trusted and that their employees are qualified. Speak with the person who will be caring for your aging adult and ask important questions regarding to their past experience and what they would do in a worst case scenario. Leave the elder’s daily medication laid out in a schedule pill box or in a detailed time scheduled list so that the aid worker can easily provide the medication to the adult without risking accidental overdose or accidentally missing dosage. Finally, be sure to leave all of your emergency contact information with this person, in case something comes up in which they require further assistance.If it is your first time using a company for in home care or if you are not sure about the service this person can provide, be sure to stay for a while with this person to see how they handle themselves and your aging parent before stepping out. You will be able to see how they handle the job and you can provide immediate advice about how you feel they should handle specific tasks. Do this until you are comfortable with this person being alone with your family member. Once you are comfortable you will feel good about leaving them in the care of a stranger. Be sure to call often and speak with this person to build a relationship with them. They will be able to provide you with important information about the health of your family member.With the rising cost of nursing home care, in-home care is the way of the future for families who cannot afford to place their family members in a nursing home. At a fraction of the cost, families with limited budgets are most likely to subscribe to hourly in-home care for their aging parents as a supplement to their family caring for their aging parents.When choosing a San Diego homecare assistant, be sure to research the company they work for and their past references to ensure you are employing a quality assistant whose primary interest is the care of your parent. Avoid hiring a person who you do not trust as they will have access to your parent’s home and belongings, and most importantly, the health of your family member. If possible, have family members stop by to check up on your home healthcare provider to make sure things are running smoothly and don’t forget to as for feedback from the homecare recipient as they will be the ones most likely to give you the best and most honest feedback. Choosing the right help may be one of the most important decisions you can make for your family, be sure to practice good judgment when picking the right person for the job.