Scenario #1: Your Friend Drives Your Car With Permission and Crashes
It

In the case of a minor accident, if both you and your friend have auto
insurance, and there’s minimal damage to your car, it’s your insurance
that will kick in first.  You’ll also have to pay your deductible.  If
you give permission for a friend or relative to drive your car, then
your policy will be the one to insure the vehicle.

Let’s say your friend with his own auto insurance causes a major
accident resulting in serious property damage and bodily harm to
another person.  In this case, the driver’s policy should cover two
parts: bodily injury liability and physical damage liability.  Bodily
injury liability covers the driver and all passengers in his car.
Physical damage liability covers any damage to another car caused by
the driver’s car, plus any legal fees that occur if you are sued.
However, if your costs exceed the limits for which you are insured,
the courts can attach personal assets like your house to recover the
damages.

If your insured friend is at fault for the accident and the two of you
decide to split the cost of the damages, it’s called "pro-rata."  You
combine the amounts for which both of you are covered for property
damages and then split the cost proportionately.

If your friend is uninsured and is at fault for the accident that
causes damages that exceed your policy limits, then the injured party
can place you responsible for property damage and medical expenses.
So choose wisely hwen allowing your friends permission to drive your
car.

Scenario #2: Your Friend Drives Your Car Without Permission and
Crashes It

Most of the time, your insurance company will assume that you have
given someone permission to drive your vehicle if they crash it.
While difficult to prove, they will not hold you accountable if it’s
clear that your permission was not granted (for example, your friend
gets drunk and takes your car without you knowing it).

Scenario #3: Someone Steals Your Car and Crashes It

You will not be held responsible for any damages done to another car
or its driver if someone steals your car.  But be prepared to shell
out some money for repairs.  Your collision insurance will have to
cover the damages to your own car.

Next Month’s Tip: Five Sure-Fire Ways to Avoid Home Insurance Denial

This afternoon I was on a return trip from Kansas City.  At Cameron I
had moved over to allow traffic to enter the Interstate.  No sooner
than I had clearance some MFFY in an SUV passed me on the right, next
to a STKR sign…while I was doing 76 in a 70…bitch didn’t even give
me a chance to obey the sign.

7 miles further north when I was about to reach my exit I saw the MO
HP car with its light bar activated.  The patrolman had pulled over
the MFFY who had passed me.  I laughed all the way up the ramp.

http://sports.espn.go.com/golf/news/story?id=2808572

Updated: March 22, 2007, 4:35 PM ET
Atwal estimates he was going 35 over speed limit
Associated Press

ORLANDO, Fla. — PGA Tour player Arjun Atwal estimated he was going 80
mph in a 45-mph zone just before a car speeding next to him flipped
and killed its driver, documents from the Florida Highway Patrol show.

Witnesses have said Atwal and John N. Park, who died, were street
racing on March 10. No criminal charges have been filed, and troopers
said Thursday it would be another month before the investigation is
complete.

The highway patrol still hasn’t determined independently how fast
Atwal and Park were going, but a preliminary report showed the golf
pro estimated he was 35 mph over the limit. Witnesses said the two
were going 100 mph.

Robert Kreusler, CEO of Blue Giraffe, the sports management company
representing Atwal, would not comment on the estimated speed. However,
Kreusler said: "Arjun categorically denies that he was involved in any
kind of racing or street racing."

Both drivers were in expensive, high-performance cars capable of
incredible speeds: Atwal in a 2006 BMW M6 with a 500-horsepower
engine, and Park in a 2006 Mercedes CLS 55 AMG with a 469-horsepower
engine, according to highway patrol documents and vehicle registration
information.

Trooper Kim Miller said there were no signs the cars touched each
other. She said Park’s car lost control, veering off the road into a
fence and small tree and flipping up to eight times.

"You could actually see the spots that were dug into the grass,"
Miller said. "As he’s going end-over-end, the car is just coming
apart. It was a very violent crash."

After Park lost control, Atwal veered the other way off the divided
four-lane highway, across the median and into the opposite lane of
traffic, according to the highway patrol accident diagram. He did not
hit any vehicles there, Miller said.

Miller said Atwal wasn’t tested for drugs or alcohol because it was
obvious to crime scene investigators he wasn’t impaired. She said Park
also was not believed to have been drinking.

Atwal’s representatives have said he did not previously know Park and
was not at fault. The two were driving on a suburban road connecting
the Walt Disney World resorts and upscale communities west of Orlando.

Atwal joined the PGA tour in 2003 as its first Indian-born player. He
finished 140th last year on the money list, failing to keep full
exempt status.

After I started getting a little ticked off about auto insurance I
stumbled upon (literally, stumbleupon.com) a site where other people
have had a lot of trouble too. The most compelling I would have to say
is about a mother with twin baby girls. The insurance company didn’t
want to replace the smashed sensor that deploys the airbags when you
get into a wreck. Anyway, it’s worth checking out. It really makes me
sick.

http://www.claimsreporter.com/geico3

Here’s the setup:  A T-intersection with a stop on the T-leg and the
through leg to its left (looking at the intersection from the T). The
other through leg of the T is blocked by an accident.  Flashing
lights, tow vehicles, the whole works.  Idiot in an SUV is stopped at
the stop sign on the through leg.  I’m three cars (all SUVs, blocking
much of my view) back.  

At first, I think all traffic is stopped at the intersection or it’s
being directed by the police (whose lights I can see).  This situation
holds for a few minutes.  Then I see a couple of cars go around the
stopped traffic (in the opposite lane) and make a right onto the
T-leg, one nearly colliding with another car making the left off the
T-leg.  When nothing happens to them, I look up the leg of the T to
make sure no one is coming, then do the same thing
myself.

Sure enough, while the through leg is blocked completely and looks
like it will be for a while, the T leg is completely open.  There are
no accident vehicles in the intersection; the crash is a bit further
down.  There is no one directing traffic.  Ms. Moron in the SUV just
decided that since she wanted to go straight, she’s just going to sit
and wait for it to be clear, and to hell to everyone else behind her.
I flipped her the appropriate gesture as I passed by, but I’m sure she
was oblivious.
—
  There’s no such thing as a free lunch, but certain accounting practices can
  result in a fully-depreciated one.

I’ve heard arguments that SUVs are "safer". Given the way those
assholes drivers handle their SUVs, no vehicle is "safe". Furthermore,
with their aggressive and reckless driving, SUV drivers could kill or
cause severve injuries to others at greater extent than if they have
driven a sedan.

It would give me great joy to see SUVs get flipped over and stupid
terrorists/drivers get removed from human gene pool.

On Mar 25, 7:36 pm, "J. F. Franklin" <j…@tulane.tmu.edu> wrote:

- — -

> Of all countries in the world, the only country that has the most gas-
> guzzling stupid super-size SUVs and trucks is the U.S. of America!

> Just take a look at a supermarket’s or a church’s parking lot and see for
> yourself. At least 40% of vehicles are environmentally destructive and
> politically disgusting SUVs. For some reasons, these assholes who drive
> SUVs think they are ‘superior’ to others on the road just because they’re
> riding ‘higher’ and waste more fuel and pollute more than any one else.

> These stupid and destructive American consumers must be punished for
> their crimes against the environment and the society. Why? Because their
> arrogant and irresponsible lifestyle have contributed to the reasons for
> wars and conflicts around the world in the quest for oil.

> We’ve seen the disaster in Iraq caused by the oil cartel’s run boy named
> George W. Bush, a.k.a the Moron. With 400 billion dollars (and counting)
> get wasted in the war in Iraq and thousands of Americans lives lost and
> hundreds of thousands of Iraqi innocents perished, the dumbshit Americans
> are pouring senselessly their monies down the drain – just to live up to
> their stupid next door neighbor, who also own a couple of GM Suburbans.

> This is the picture of America today – a picture that is colored by
> shameless arrogance, intense stupidity, and barbaric lifestyle. This is
> Bush’s America.

> —
> Posted via a free Usenet account fromhttp://www.teranews.com

reservations required

718-606-7150

718-608-9451

Save on auto insurance/ reduce points

http://moore10314.tripod.com

or for auto-reply of schedule and information, email:

driv…@sendfree.com

Congress stalls Mexican-trucks plan

<…>
The Bush administration in February announced that it would soon allow
100 Mexican trucking companies to travel beyond the current 20-mile limit
for a one-year pilot project.
<…>
"The administration is rushing to open the border to Mexican-domiciled
trucks without assuring their safety and enforcement of the law of the U.S.,"
<…>
The Transportation Department said it is committed to moving forward with
the program and will work with lawmakers to address their concerns.
<…>
Access to all U.S. highways was promised by 2000 under the 1993 North
American Free Trade Agreement, as was access through Mexico for U.S.
carriers.
<…>
——————————-

Being called an off-topic-political-post in 3..2..1…

~Brian

"George A." <g…@nomail.net> wrote in message

news:h6640311t47hd2npr5q7siajghnqlv17jq@4ax.com…

- — -

> My 1.8L Subaru Impreza 1995 (manual, front wheel drive) recently
> started to behave strangely:

> When an engine is truly cold (mornings or driving home after
> work), it starts and begins to drive normally, however, shortly
> after that it tends to lose power for a moment or two, then
> resumes OK, then these cycles repeat until an engine fully
> warms up. Then it behaves perfectly O.K.

> It’s kind of difficult to describe. Basically, I press
> accelerator and feel that it "does not work" – very little
> (if anything) happens; then, as I continue to hold it down,
> the car "wakes up" and finally responds and accelerates.
> This usually happens at least several times, rather
> unpredictably. It’s as if the engine is not getting enough
> fuel or air, or as if the mixture is not ignited in timely
> fashion.

> May or may not be related, I also noticed that, when the car
> is in this state, it seems to idle strangely – an engine
> shakes (I can feel the car shaking a lot more) and tachometer
> goes up and down from high 1,000 rpm to about 100 (when warm,
> it idles at approximately 400 rpm normally).