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April 09 2015

FriendFeed was shut down on April 9, 2015. We maintained the service since we joined Facebook in 2009, but the number of people using FriendFeed had been steadily declining and in the end, the community was just a fraction of what it once was. Given this, we decided that it was time to start winding things down.

We want to thank you all for being such a terrific and enthusiastic community. We're proud of what we built so many years ago, and we recognize that it would have never been possible without your support.

- The FriendFeed team

March 09 2015

Dear FriendFeed community,

We wanted to let you know that FriendFeed will be shutting down soon. We've been maintaining the service since we joined Facebook five years ago, but the number of people using FriendFeed has been steadily declining and the community is now just a fraction of what it once was. Given this, we've decided that it's time to start winding things down.

Beginning today, we will no longer accept new signups. You will be able to view your posts, messages, and photos until April 9th. On April 9th, we'll be shutting down FriendFeed and it will no longer be available.

We want to thank you all for being such a terrific and enthusiastic community. We're proud of what we built so many years ago, and we recognize that it would have never been possible without your support.

- The FriendFeed team

March 12 2012

Auto Insurance – 10 Myths Busted!

As a consumer, you may know that about having auto insurance. You may feel that you have all the information you need to make insurance-related decisions. However, there are different myths about auto insurance.

‘No-fault insurance means I do not need to worry’

Each state has different guidelines for no fault insurance coverage. On average, your auto insurance must cover the medical expenses and inconvenience of loss wages. It does not matter who caused the accident. For example, even if you caused a vehicle accident, your auto insurance company determines the party responsible.

‘My vehicle’s car color determines my insurance premiums’

auto insurance myths

Red cars are NOT more expensive to insure

Numerous factors help determine how insurance premiums are calculated. Some factors involve vehicle safety features, overall vehicle repair costs, and the past driver history. A car’s color does not effect insurance premiums.

‘My cousin borrowed my car, so she must pay for the damage’

Authorizing another person to drive your vehicle represents a responsibility. When a automobile crash occurs, you are held responsible for the damage. Your auto insurance must make damage-related payments not your cousin’s. If your coverage is not adequate, your cousin’s policy may help with payments.

‘My auto insurance company can refuse coverage at a moment’s notice’

As an auto insurance policy holder, your state regulations does not allow companies to cancel coverage during a policy term. According to Petrarca, the company can cancel coverage based on specific reasons, such as nonpayment.

‘My vehicle costs more because it is expensive’

An auto insurance firm pays attention to the “loss history” for car types. Loss history identifies the amount of claims paid out for a particular vehicle mode. It also calculates the vehicle’s repair-related costs. Thus, your original vehicle sale price does not factor into premiums.

‘My auto insurance will skyrocket because I received a ticket’

A vehicle-related ticket does not always warrant an increase. Your insurer considers your driving history and the nature of the ticket.

‘I can save money not getting comprehensive auto insurance because no one steals old vehicles’

Older car safety against theft is a common myth. Criminals may desire an older car more than a newer car. Older, popular cars have parts that may be hard to replace. The criminals can sell car parts for premium amounts.

‘My auto insurance coverage will any personal property stolen from my vehicle.’

Some people keep expensive personal property in their vehicles and think they have coverage. Auto insurance coverage does not protect your personal property, such as cell phones. You may be able to file a claim under a home insurance policy. A deductible can apply.

‘I purchased a new car after a recent auto insurance premium payment. I do not need a new policy’

It does not matter that you purchased a new car after a payment under the old vehicle. You must contact your insurer and have a new policy processed.

‘I can use the same auto insurance policy to cover personal or business uses’

Personal auto insurance and business auto insurance are not the same. If you use your vehicle for business-related purposes, you must contact your insurer for business coverage.

Tags: Articles

February 24 2012

Keep Car Insurance Claims Easy

In the aftermath of a car accident it can be difficult to keep a cool head on your shoulders. Accidents cause chaos but if you can manage to follow some simple “do’s and don’ts” in the middle of it all, you may find that collecting your insurance claim is not as hard as you thought it might be. Follow the steps below before you call the insurance company to make sure you get all the financial assistance you need for any personal injuries and damages to your vehicle.

Do: Be Prepared
In the event of a car accident you want to know basic information about your auto insurance policy.

  • Know what number to call.
  • Be aware of what your insurance policy does and does not cover.
  • If you have accounts with any other insurance providers, see if those policies can also assist you following your car accident.
  • Know the Blue Book value of your car in the event the car needs to be replaced or gap coverage is used.

Do: Immediately Following the Accident

  • Take photos immediately following the accident. Take pictures of the car, yourself, and any other images you think might be helpful in demonstrating what occurred.
  • Call your insurance company and follow their instructions.
  • Be prepared to answer the insurance company’s questions about the accident honestly and thoroughly.
  • If you are involved in an accident that causes serious injury to yourself or others contact an attorney.

Don’t: Immediately Following the Accident

  • Do not agree to the estimates the insurance company gives you before you’ve done your own research on the cost of damages or replacement.
  • Do not send any requested statements about the accident to the insurance company.
  • If the insurance company offers you a check for damages ask them for cash.

When in Doubt

Remember that car insurance companies will always offer you minimum compensation for your injuries and losses. If you have any doubts about how to pursue your claim contact an attorney. Attorneys can guide you through the process to ensure that you receive all of the protection to which you are entitled under your current insurance policy.

Tags: Articles

February 15 2012

Steps To Take When Filing an Auto Insurance Claim - http://www.affordableautoinsur...

Steps To Take When Filing an Auto Insurance Claim

Traffic or vehicular accidents can be avoided but the possibility of encountering one cannot be totally eliminated. There will be times when claims for auto insurance need to be made. These claims may be for simple reasons such as minor scratches on vehicles but they may also entail more serious problems such as vehicles being totaled or fatalities. Believe it or not, some people don’t file a claim thinking that may ruin their chances of finding cheap car insurance in the future.

Keeping and securing copies of your auto insurance documents are very important things to do upon obtaining them. They should be placed in some location that is safe but easily accessible. On the other hand, while driving, it is recommended to always carry a pen, notepad, and a camera to be able to adequately document accidents as they happen. Mobile phones with cameras are good enough in taking on the spot photos of accidents.

In case an accident happens, the first thing to do is to check and ascertain the safety or health of the people involved. The next step is to promptly phone police officers and to report the incident. The police officers should be properly informed about the location of the accident, the gravity of the damages, and the conditions of the drivers and passengers. Informing the police is important to make sure that a person in authority will be promptly available to assess the situation and to intervene in case heated disputes happen.

Some of the important details to consider and take not of are the cars involved, witnesses, and the extent of damages. Taking photos or videos is also highly advisable to come up with irrefutable evidences to support insurance claims as well as to provide convincing answers to the police officers in the determination of fault.

After taking all the necessary evidences of the accident and sufficient documentation, the next step is to promptly call the insurance company. It is recommended calling the insurance company while you are still at the location of the accident (if making a call can be possible). The insurance company asks standard questions and sends the claim forms after the report has been made. The forms should then be properly filled up. The required supporting documents, furthermore, need to be complied properly and attached to the claim forms as instructed.

For not so serious incidents that warrant an insurance claim, it is still important to follow the general insurance claim steps prescribed. The gathering of evidences or supporting documents, the call to the insurance company, and the claim procedure should be promptly initiated.

Tags: Articles

February 09 2012

Select Reputable Auto Insurer for Best Insurance Coverage

Accidents can occur even if you have made the necessary precautions when driving on the roads. Fortunately, appropriate insurance coverage provides ample protection to drivers and their cars by taking care of the medical bills as well as repair costs. Auto insurance ensures that everything is under control at all times. It is best to be prepared in the event of unexpected circumstances, which is why it is essential to possess car insurance.

You must not only consider the coverage when buying your car insurance; but likewise, where you buy car insurance. The choice of your insurer must be carefully thought of, since you will have to deal with it when it comes to making claims. Hence, it is a must that a good insurance company is chosen. There are ways on how to find a reputable auto insurance company.

Reputable auto insurance companies have a good web site that is operating online. It must also have a strong presence in insurance forums. It must have earned great online reviews from its customers.

A good insurance company offers competitive premium rates. Be doubtful about insurance companies that give low rates, since this is most likely to be a ploy to attract more customers. Companies that provide low rates usually do not deal with claims well.

Big Car Insurance Companies

Selecting a big car insurance company has advantages

You will know that auto insurers are reputable if they have professional counselors who give advices people on the right insurance policy that they need. These advisers will not force any client to buy policy. Instead, they will give advices on the right insurance policy that best suits a customer’s policy needs.

Reputable auto insurance companies provide good service to their clients by reviewing their policies annually to know if they are eligible to apply for discounts. Clients will also be advised if they need to cancel any unimportant coverage.

Likewise, insurers are known to be efficient if they have lesser response time, particularly when it comes to arranging for claims and release of money. Because of their efficiency, these companies have many loyal customers. They likewise require lesser paperwork, which means that customers have easy time to make claims.

You can find a reputable insurer by ample research and comparison. You can compare a number of insurance companies via online, specifically by taking advantage of comparison web sites that will provide you with pertinent details on a number of insurance quotes.

Finally, a reputable insurance company makes a claiming process easy, so long as the necessary documents are submitted with the claim. Suffice it to say that a good insurer will provide proper coverage and allow for quick insurance claim; this ensures total peace of mind for you as a policy holder.

Tags: Articles
Select Reputable Auto Insurer for Best Insurance Coverage - http://www.affordableautoinsur...

January 30 2012

High Risk Auto Insurance

It is compulsory in almost every state in the US for drivers to obtain car insurance. Car or auto insurance affords protection to both the driver and the vehicle that it is deemed to be an essential part of owning and driving a car. There are even some states that expand legal insurance requirements by mandating car owners or drivers to obtain insurance plans that also protect drivers from accidents.

In states considered to be prone to vehicle or traffic accidents, you may decide to obtain a high risk car insurance policy. A high risk car insurance policy is a type of insurance policy that provides protection for drivers who regularly encounter high risks while driving. The cost for this kind of insurance is slightly higher than those of regular policies but considering the advantage of the coverage it offers, the difference is a price worth paying.

Car insurance companies take into account the risks involved in the assignment of prices for the insurance premiums they offer. There are some demographics that are considered to be high-risk. Student drivers or new drivers, for instance, are deemed to pose more risks on the road compared to veteran or experienced drivers. Even gender is also being used in judging the risk level of a driver. Women are typically viewed as safe drivers as they are known to drive at consistently low speeds. There are also specific locations that are regarded as more risky than others. The topography of the place where a car is expected to be regularly used matters. Moreover, the driving record of a driver or car owner who intends to purchase an insurance plan is also being examined by insurance companies. It is hence important to maintain a clean driving record and to employ all precautions to avoid traffic or road accidents.

Drivers or car owners who have been recently considered as high-risk are bound to have a more difficult time obtaining an insurance plan. Most insurance companies may reject your application if you have a record of getting involved in multiple traffic or vehicle accidents and if you own a vehicle that is generally regarded as a high-risk type. Your case is nonetheless not a hopeless one as there are insurance agents who specialize in high risk car insurance policies. There are insurance packages that are specifically designed for persons who are associated with high risk driving. However, these types of insurance are not absolute and they may include tricky provisions or limitations so it is very important to be well-informed about them before making a purchase and signing any contract.

Tags: Articles

January 23 2012

What You Should Know about Modified Car Insurance

Many car owners may make modifications or customizations in their vehicles to either come up with a more personalized look or to enhance the functions of the vehicles. It is inevitable for some to introduce changes to their cars to suit their preferences. This, however, can become an issue for car insurance providers mainly due to the uncertainties that may be associated with the introduction of modifications.

The changes may make the car more prone to damage or accidents compared to a car that has remain unchanged straight out of a dealer’s showroom. Insurance expenses for modified cars tend to be higher than the average auto insurance cost. It is, nevertheless, still possible to get discounts by considering a number of factors.

Types of Modified Cars

The type of car being modified matters. There is a significant difference between types of modified cars being presented for insurance. For example, in the case of show cars, assessed insurance premiums are usually lower since such cars are known to be less likely to figure in traffic accidents.

Conversely, the insurance rates tend to go higher for modified cars that are often used for street racing and other high risk uses. The inherent risks involved spell the difference. Before deciding to make modifications, it is important to consider the impact of such changes especially if the amount being spent for insurance is deemed to be highly relevant in maintaining the vehicle.

Kind of Modifications Being Introduced

car insurance for modifed cars

Modifiying your car can increase your auto insurance premiums

The type of changes being introduced to a vehicle is also a significant factor in the amount of modified car insurance. Some modifications are bound to make a vehicle safer or more efficient but there are changes that are heavily based on aesthetics and are likely to cause more risks for a car to be involved in accidents or significant wear and tear.

It is recommended to limit the modifications to enhancing types such as engine change, the upgrading of exhaust systems, lowering of suspension, alloy wheel replacements, and the installation of navigation and alarm systems.

What Can Be Done to Lower Modified Car Insurance

It is possible to lower modified car insurance by installing car protection systems and devices that help reduce proneness to accidents. Additionally, it also helps if drivers enroll in driving courses to improve their competence on the road. Likewise, it is fundamental to observe safe driving to avail of cheaper insurance rates.

Modifications on cheaper cars usually mean relatively low modified car insurance rates and changes on expensive models tend to cause modified car insurance rates to be higher. If you want to avoid higher insurance quotes, it would be better to limit modifications to cheaper cars and to modifications that only enhance performance and safety.

Tags: Articles
What You Should Know about Modified Car Insurance - http://www.affordableautoinsur...

January 04 2012

Pay less in Auto Insurance Premium by Limiting Drivers in Your Insurance Policy

additional driver on your polciy

Be careful who you add as a driver on your policy

People want to purchase insurance policies that fit their current situation as well as their budget. However, even as drivers want cheap insurance, many are wary about getting one as they believe that there are reasons why such insurance are cheap in the first place. It does not help that reputable insurers comment about the possible inferior quality of affordable coverage. Anyway, this is proven to be false since there are consumers who are happy with their cheap policies. So long as consumers are aware of what to expect in a policy, there is certainly no issue. In fact, many insurers will include clauses which are the reason why the premiums are low.

You can buy insurance policy that will allow your family, friend or anyone else to drive your insured car. If such policy includes young drivers, it can be expensive. You may try saving substantially by limiting such provision to those above 24 years of age. Maximum savings can be realized if you limit drivers to those listed in your insurance. For instance, you only pay so much if you and your partner will be the only ones to use the car. Why pay more by insuring those without any permission to use your car? If you permit friends to drive your vehicle, try listing them in your policy for a period of time. Doing so will not cost that much money.

Moreover, a lot of individuals obtain insurance to drive any car within their insurance, but only in an occasional basis. It can be a great relief that you are also covered if you happen to drive a vehicle that belongs to others. If you purchase this as an additional coverage, you are certainly protected from any claims against you. Likewise, if you expect to use a vehicle that is not your own, it is wise and safe to simply pay any addition to your insurance premium.

saving money on auto insurance

It feels good to save money on car insurance

Still, many individuals will not actually dare touch a car that they do not own. Most insurance policies however include those who share the same car anyway. In such a case, you might have to decide in paying less by eliminating additional coverage considered to be not important. Once, time comes when such extra covers become a necessary, they can then be thrown in quite easily with not too much additions on existing premiums.

Car insurers differ when it comes to dealing with such issues. As shown in a number of situations, there are varied reasons why insurance quotes are affordable. For one thing, an insurer might try to include all in one quote in order to gain more profit from it. Another company might simply exclude coverage of drivers and vehicles on the insurance to be able to provide cheap quotes. Actually, this is done by reliable and established companies. They are confident that offering cheap insurance does not diminish their image as reputable insurance providers.

Simply put, you must seriously try to consider looking for the best insurance for your car. You have to research hard to find the best insurance under our current situation. An ideal insurance meets all your coverage requirements fully without even costing you more. While others belittle the capabilities of insurance policies, generally they serve their purpose perfectly. The crucial point to consider is to buy your cheap insurance from a reputable company to ensure its quality.

Tags: Articles
Pay less in Auto Insurance Premium by Limiting Drivers in Your Insurance Policy - http://www.affordableautoinsur...

December 22 2011

Texas Auto Insurance

According to Texas auto insurance laws, it is a must for car owners to obtain liability insurance policy. You simply must have appropriate car insurance; otherwise, you run the risk of getting caught by officers who are on the lookout for drivers without auto insurance.

Minimum Texas State Requirements for Auto Insurance are the following:

  • Bodily Injury Liability for every individual is $25,000
  • Bodily Injury Liability for every accident is $50,000
  • Property Damage Liability for every accident is $25,000

According to Texas auto insurance laws, uninsured auto insurance coverage is not mandatory. However, any uninsured or underinsured driver in Texas can have the necessary insurance available in the state. Basically, it is advisable to purchase one.

Penalties for Driving Uninsured in Texas

If you drive without insurance in Texas and get caught, be ready to experience its harsh penalties. Most Texas drivers make sure that they drive with appropriate insurance lest they are meted with heavy fees and stiff penalties. First-time offenders will face a fine of $175 to $350. On the other hand, convictions for second and third-time offenders can result in penalties of $350 to $1,000, impoundment of car and suspension of driver’s license. The state verifies if you have insurance via the State Financial Responsibility Verification Program. Such scheme permits traffic and law enforcement officers to verify if you have auto insurance or not.

Auto insurance rates – How they are Determined in the State of Texas

How are auto insurance rates determined in Texas? First of all, a Texas auto insurer observes the manners of the Texas drivers, as well as other fees, like place of living, age, and driving experience. Considering all these factors, it decides the approximate price of insurance.

However, as a driver, you can check some Texas car insurance companies and select the one that offers you the best car insurance rates. Texas companies employ various ways and means of computing figures to arrive at the most appropriate rates. Likewise, you can get the insurance rates that you want through Texas car insurance quotes. Hence, it is advisable for you to shop around to discover the best insurance policy with the most attractive auto insurance rate deals.

Texas DUI Laws

Texas has a number of laws that involves drinking and driving, also known as Texas DUI. First of all, if you are caught with an open bottle of alcohol in your car, you will be slapped with a fine of $500. If you register a breath alcohol concentration of .08 percent, or even higher, you are legally intoxicated. If caught, you face arrest for a Texas DUI offense. Likewise, even if your BAC level is lower than .08 percent, you can still be arrested for DUI if you appear to be impaired and that alcohol is in your system. Such impairment is determined by special field sobriety tests.

What is SR22 insurance Texas?

SR-22 insurance Texas is not insurance but an endorsement of an existing insurance that requires the insurer company to report to the Texas state Department of Insurance whenever a policy has been bought, renewed, or canceled. The state of Texas, as well any other state, requires SR-22 insurance to closely monitor all drivers who are considered to be high-risk. Such drivers are ordered by the courts to obtain uninterrupted insurance policy for a certain period of time.

Simply put, If you are caught driving without proper insurance in the state of Texas, you will be mandated to get insurance for you to continue driving. You are not allowed to drive again until you can prove that you have secured insurance. If you get involved in a car accident without any insurance, even when it is the fault of the other party; you will be asked to file an SR-22 insurance Texas for three years at the most after your accident.

December 01 2011

Essential facts regarding No fault insurance and PIP - http://www.affordableautoinsur...

Essential facts regarding No fault insurance and PIP

Generally, no fault insurance, often known as personal injury protection, describes any kind of auto insurance where the insured individual is reimbursed for losses by his insurance carrier, no matter whose fault an accident actually is.

No fault car insurance is designed to give essential medical coverage for those hurt in auto accidents particularly in times when treatment is quickly needed or when doctors must recover expenses. In a way, this actually also helps to eliminate legal cases.

However, the amounts paid by no fault policies in many cases are inadequate to cover losses fully. No fault insurance doesn’t cover pain and suffering too.

In most states, where no fault car insurance is used, the coverage often include payment for medical bills, lost pay and replacement services.

Replacement services are classified as the cost to pay for somebody else to do something you would typically do yourself if you were not injured such as baby sitting.

Contrary to popular beliefs, a no-fault insurance is not a replacement for your medical insurance policy. Nevertheless, in case you are hurt in a vehicle crash, you can use your medical insurance policy and the no-fault insurance to cover your expenses and recuperate the actual losses.

Additionally, a no-fault insurance cannot be used to compensate for actual physical destruction in a vehicle accident. Consequently, if you had any sort of accident and do not have collision coverage as part of your insurance policy, you will certainly pay for the damages to your car or property, and your premiums will probably increase.

No fault insurance does not compensate for the non economic damages in a vehicle accident. Which means that pain and suffering, loss of pay and other injury related issue are not covered by a no-fault insurance policy. In addition to this, it cannot answer for the damages of the uninsured nor the under-insured in a motor vehicle accident.

In sum, a no-fault insurance policy is basically restricted strategy that deals only having a specific issue in an accident. And based on which state you live, a no-fault coverage features a restricted application.

In Los Angeles, for instance, where a no-fault coverage is recognized and utilized, it also makes sense to get a much more comprehensive and reliable motor accident policy. In case of accidents, a comprehensive insurance policy can assist recover both economic and non-economic damages for either the insured or the victim.

Nevertheless, no-fault insurance has it benefit. When 1 gets involved in an accident, for example, a no-fault insurance can assist him collect from his insurance no matter who was at fault.

Your insurance coverage might ultimately affect your claim in an accident. Depending on how fault is determined by law in your state, getting a no-fault insurance might influence the outcome of one’s claim in a car accident.

Recovery of losses in motor car accidents will significantly depend on how you nicely you deal with the situation. To improve your chances of obtaining full compensation for the claim, you have to talk about matters and clear up the problems together with your attorney.

Tags: Articles
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