Notes

Car Insurance For Children
Trading in will hit you HARD and it's not even from dealership to dealership. The minivan that we have was not totaled (although it was significantly damaged). We were planning on trading it in but are still hoping to sell it. One dealership has offered $300 in trade in value and another has offered $1000. I intend to ask for around 10% more than the Kelly Blue Book value.

If your car is stolen, the insurance situation is the same as in the case of an at-fault accident on your part: comprehensive insurance will cover the value of the vehicle, but not necessarily the value of the loan that you owe to the bank. You could be stuck paying thousands for a car that's long gone. Add that to the truly disheartening feeling of having your car stolen, and that makes for a really rough time.

There is some good news if you carry comprehensive insurance on your car. Where homeowners have to purchase a separate rider to their insurance policy, car owners with a comprehensive policy are generally covered. The flood damage counts as property damage the same as if a tree fell on your car or a phantom accident occurs in your absence.



Can you see how put options works in this case to help Tom to reduce the downside risk of his stock position? sell a total loss car is that no matter how low the stock price goes, Tom's total loss will be capped at $3,500.

car totaled Cash is still king. The minute I say "we will be paying cash" the sales people change their tune. One dropped the price of the vehicle about $2000 over the phone - before we even visited the lot. Cash shows a serious buyer and serious buyers are money in the pocket for the sales people.

Business Deduction. If you drive your car for business, a portion of your insurance costs may be deductible. Conversely, your rates may be increased if your insurer knows that you use your car more for business than pleasure.

But if you increase your deductible to $2,000, you can reduce your car insurance premiums by as much as 35 percent. That's a huge amount, especially if your teenager qualifies for several other deductions. Aren't you taking a big chance, however, and leaving yourself open to financial trouble if you do get into an accident? One could argue that, but it's a chance that many parents are willing to take versus paying that larger premium.

Insurance companies know the value of the car before they are inspecting it. They do not disclose this value to you until the very end, but they have a good understanding of vehicle values. Usually, a third party company hired by the insurance company (usually CCC Information Services Group, Inc will do a preliminary evaluation of your car. They will look at vehicles on your local market to see the value of your car is "going for".

if airbags deploy is a car totaled If the other driver is able, get his insurance information and contact information. Also see if any witnesses are there and get their contact information. Ask them if they are willing to testify to what they saw.

There is an upward trend in savings as time moves on, going from the negative, upward into the positive. So for this refinance to save you money, you must STAY in your mortgage until that trend line flips from the negative side of losses to the positive side of savings. But again, this information fails to be considered when using the 2% Rule as a when to refinance rule of thumb. Clearly, relying on the 2% Rule as a when to refinance rule of thumb is no guarantee of savings.
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