Tag: new

Pacific Gateway Insurance Agency – Insurance – 27200 Tourney Rd, Valencia, CA – Phone


Poorly run company – sad that they are part of a Berkshire entity. Staff: Young and no knowledge – immature – there are other choices out there – no need to use these guys.

Poor customer service, they strong arm their brokers. is all about making the dollar. So when a customer doesn t get endorsements on time a it causes trouble for the customer they don t care, and they don t make it right. if you don t pay for the bad service they want to cancel you. so all you brokers if you want to give excellent service to your customers look elsewhere. remember I warned you.

Pacific Gateway Insurance Agency

Poor customer service, they strong arm their brokers. is all about making the dollar. So when a customer doesn t get endorsements on time a it causes trouble for the customer they don t care, and they don t make it right. if you don t pay for the bad service they want to cancel you. so all you brokers if you want to give excellent service to your customers look elsewhere. remember I warned you.

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An owned general agency of the National Indemnity group of insurance companies. Commercial Auto, Garage, General Liability and more. Primarily operates in California, Arizona, Nevada, and Oregon.

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Disability Studies: A New Normal – The New York Times #disabilities,colleges #and #universities,modern #language


Disability Studies: A New Normal

April Coughlin, who has a master s degree in disability studies, led New York City Teaching Fellows along the High Line last summer to demonstrate accessibility issues. Credit Michael Appleton for The New York Times

THE temporarily able-bodied, or TABs. That’s what disability activists call those who are not physically or mentally impaired. And they like to remind them that disability is a porous state; anyone can enter or leave at any time. Live long enough and you will almost certainly enter it.

That foreboding forecast is driving growth in disability studies, a field that didn’t even exist 20 years ago. The reasons are mainly demographic: as the population ages, the number of disabled will grow — by 21 percent between 2007 and 2030, according to the Census Bureau.

At the other end of the generational spectrum are those raised after the passage of the Americans With Disabilities Act in 1990. They are now in college or entering the work force. They are educated, perhaps without even realizing it, in the politics and realities of disability, having sat in the same classrooms in a more accessible society.

Universities have long studied the disabled in medical and health care curriculums. But when the first disability studies program emerged at Syracuse University in 1994, it was a radical departure from the medical model that had dominated offerings for decades and had approached disability as a deficit that needed fixing.

Like black studies, women’s studies and other liberation-movement disciplines, disability studies teaches that it is an unaccepting society that needs normalizing, not the minority group. “Disablement comes from a confluence of social factors that shape one’s identity,” says Tammy Berberi, president of the Society for Disability Studies. “It is not a distinct physical condition or a private struggle.”

The Modern Language Association. which promotes the study of literature and the humanities, established disability studies in 2005 as a “division of study.” This says much about how far the field has come in the last 20 years, and about its mission.

Through courses in disability history, theory, legislation, policy, ethics and the arts, students are taught to think critically about the “lived lives” of the disabled, and to work to improve quality of life and to advocate for civil rights. “It’s more than teaching the disabled how to make an omelet,” Dr. Berberi says. The emphasis is on applying lessons from the humanities to solving the social struggle at hand.

Steven J. Taylor, who created the Syracuse program, puts it succinctly: “Disability studies starts with accepting the disability. Then it asks the question: ‘How do we equalize the playing field?’ ”


Some 35 colleges and universities tackle that question through graduate and undergraduate degrees, minors and certificates. Not all get to the answer in the same way, or agree on what constitutes a successful endgame. Mariette J. Bates, academic director for the program at the City University of New York School of Professional Studies, says the differences stem from a fragmented field (“cognitive doesn’t talk to physical, and no one talks to mental”) and divergent academic approaches (theoretical versus clinical).

CUNY, Syracuse University and the University of Illinois at Chicago have the oldest and best-known programs. A complete, vetted list can be found on the web site for Syracuse’s Center on Human Policy, Law and Disability Studies.

Because of its history and student body, CUNY takes the most applied approach. The program grew from a Kennedy Fellows program in special education and rehabilitative counseling, and 70 percent of those seeking a credential there in disability studies work at service agencies. CUNY started a four-course graduate certificate in 2004 and, because of student demand, created a master’s in 2009 and a bachelor’s — the first in the field and completely online — in 2012.

Syracuse’s program — an undergraduate minor and an advanced certificate — emerged from its school of education at a time when the university was emphasizing educational mainstreaming and dissolving its special education program. At the graduate school level, candidates from any discipline can enroll in the certificate of advanced study, or combine disability studies with law. The only free-standing Ph.D. is at the University of Illinois’s Chicago campus.

The rationale for the interdisciplinary approach? Jobs. Disability studies has its greatest impact when taken up with another pursuit, academic or professional, Dr. Taylor says. For doctoral students, an interdisciplinary approach increases the odds of landing an academic appointment, since there are few professorships in disability studies alone.

Graduates can go on to careers in architecture, management, engineering, policy, law, rehabilitative medicine, music and the arts. The most obvious application is in education and human services, including social work and health care, where advancement often requires certification or a graduate degree.

What a credential “signals,” says Noam Ostrander, who has a Ph.D. in disability studies from U.I.C. and is director of the Master of Social Work program at DePaul University, “is a nuanced understanding of disability that is not the tragic, scientific model but a progressive model of disability that is more empowering.”


Joseph Plutz, the coordinator of disability services at the Fashion Institute of Technology, began as an administrative assistant 10 years ago. With a background in finance, 15 years in the corporate world and no formal training in education or social services, he was looking to be promoted to a counselor position. His office coordinator suggested CUNY’s certificate, which he earned in 2010. He then continued for a master’s. The degree, he said, positioned him to work directly with students, most with cognitive or learning impairments, advising them on course scheduling, time management and ways to advocate for educational and, eventually, on-the-job needs.

The discipline, unsurprisingly, attracts students with disabilities, or those with a disabled loved one. Forty percent of the students in the U.I.C. master’s, minor and certificate programs are disabled; about 60 percent of those enrolled in CUNY’s bachelor’s program have a disability or a disabled child.

April Coughlin has been in a wheelchair since a car accident left her a paraplegic at age 6. That didn’t stop her from becoming a triathlete wheelchair racer or a middle and high school English teacher. Her six years working in New York City schools galvanized her. She routinely encountered access issues. She was unable to consider jobs in older school buildings, some of which house the city’s top schools, because they were not wheelchair accessible. If she couldn’t get in to teach in certain schools, she realized, many children with disabilities couldn’t learn in them either, or see a person with a disability leading the classroom.

She wove a disability perspective into her literature curriculum, but saw a bigger calling: educating teachers across the board about the needs of students with disabilities. She completed a master’s in disability studies at CUNY in 2011 and is a Ph.D. candidate in special education and disability studies at Syracuse. “Disability studies provided me with the language I needed to describe what I had been going through my whole life,” she says.

Her goal is to train future educators at the college level. She already has a start. Last summer she was a trainer for New York City Teaching Fellows. She also teaches an online course in disability and embodiment for CUNY, in which she uses memoir writing, videos and film to convey the experience of being disabled.

The best way to learn is from those who have lived it, she says. “I can’t help but bring my real-world stories to the classroom. I like to think my disability gives me credibility.”

Cecilia Capuzzi Simon writes about education from Washington.

A version of this article appears in print on November 3, 2013, on Page ED18 of Education Life with the headline: The New Normal. Order Reprints | Today’s Paper | Subscribe

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Divorce Lawyer New York #bankruptcy #lawyer #nyc, #bankrutpcy #lawyer #new #york, #bankruptcy #attorney #nyc,



The Law offices of Boris Nikhman PC have been successfully aiding the citizens of New York, and the surrounding areas, in many diverse areas of legal expertise. As a supporting figure in the community, for the past 12 years, Boris Nikhman has reciprocated greatly to the neighborhood and has now expanded the business to a Manhattan office. He has successfully represented clients from all avenues of life in countless legal issues. Mr. Nikhman is well known in his community as the considerate neighborhood attorney yet he maintains a high profile in the New York court system with a stellar reputation for courtroom skills and professionalism. For the best representation for any legal matter call the office of Boris Nikhman PC and get an attorney whose foremost concern is for you and your well being.

For a Brooklyn New York attorney call us today at 646-727-5016
We will represent all your legal needs.

The Law Offices of Boris Nikhman PC have experience and proficiency in a broad array of practice areas with special focus on bankruptcy, divorce, immigration issues and real estate. They are here for any legal issues that may arise in your personal life or business and handle each case as if it was their most important, while maintaining a close and personal relationship, with every client, by keeping the lines of communication open at all times.

The expertise areas of practice include, but are not limited to, the following:

  • Divorce. Contested or uncontested, by publication, separation agreements, annulment and name change.
  • Bankruptcy. Personal including Chapters 7 and 13. Business including Chapter 11
  • Immigration Law. Immigrant and Non-Immigrant Visa issues. Deportation defense. Illegal detainment.
  • Tax and Corporate Law.
  • Non-Profit Organizations
  • Real Estate Law
  • Will Probate
  • Wills, Trusts and Estates
  • Elder Law
  • Matrimonial. Pre-nuptial agreements
  • 1031 Exchange

Legal issues arise sooner or later in everyone’s life, without exception, and when they do it is best to have an attorney that is already in place and poised to aggressively represent you while at the same time having your rights, protection and defense as his primary motivations.

Do not wait until you need a lawyer. Have us on your team, ready for when the inevitable day arrives.
Call the Law Offices of Boris Nikhman PC, your front line attorneys.

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Edwards Coaches Ltd: UK and European Coach tours and Worldwide Air Travel from South



Edwards Coaches Ltd t/as Edwards Holidays is an appointed representative of CCV Cardiff Insurance Brokers, a trading name of CCV Risk Solutions Limited. Registered in England No. 05879041. Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN. Authorised and regulated by the Financial Conduct Authority. CCV Risk Solutions Limited is proud to be part of Cullum Capital Ventures Limited a Chartered Insurance Broker.

We only offer travel insurance from a single insurer ETI International Travel Protection (ERV). This travel insurance is suitable for those who wish to insure themselves when travelling against the specified financial loss of unforeseen circumstances and events relating to your trip. A list of the covers and corresponding levels, as well as the main policy exclusions, can be found below. Further details will be in your policy document, a copy of which is available on request. We have not provided you with any recommendation or advice about whether this product meets your specific insurance requirements. It is your responsibility to decide whether this policy suits your requirements. Should you require any further information, please contact Edwards Holidays.

Travel Insurance Indemnity

If you have declined to take out insurance cover offered by Edwards Coaches Ltd. t/a Edwards Holidays you are agreeing to undertake on behalf of yourself and all members of your party:

To arrange holiday insurance which provides comparable cover to that offered by Edwards Holidays.

Not to hold Edwards Holidays or the travel agent, responsible for any costs incurred by your party due to your failure to take out adequate insurance.

To indemnify Edwards Holidays and the travel agent for any costs incurred by them due to your failure to take out adequate insurance cover.

Nothing in this agreement shall limit or exclude your statutory rights

You are not required to declare your medical conditions. However, you must comply with the following conditions AT THE TIME OF TAKING OUT THIS POLICY to have full protection of your policy:

1. You are not aware of any medical condition or set of circumstances that could be reasonably expected to give rise to a claim (for example the state of health of a close relative, Business Associate or any person on whom your travel plans depend)

2. You are not receiving, or on a waiting list for, surgery, day case or in-patient treatment or investigations in a hospital, clinic or nursing home

3. You are not (a) travelling against any health requirements stipulated by the carrier, their handling agents or any other public transport provider or (b) travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad

4. You been given a terminal prognosis If your medical condition cannot comply with these conditions then any claim relating to that medical condition will not be covered.

The policy includes some general exclusions relating to a variety of illnesses which are not covered. Although not a full list these include Alcoholism, drugs or drug addition, stress, anxiety or depressive conditions, psychiatric illness, terminal illness, AIDS, HIV, sexually transmitted disease, suicide or attempt threat, deliberate exposure of danger or criminal act. Full Exclusions are listed in the policy document.

Cancellation Up to 3,500 Medical Expenses Repatriation – Up to 2,000,000 Curtailment Hospital Benefit – Up to 3,500) Luggage Personal effects Money – Up to 1,500 in all – 200 money, valuables

Luggage Delay Up to 100 Personal Liability Up to 2,000,000 Personal Accident Up to 15,000

Up to 200 Delayed Departure (not UK) Up to 60 Missed Departure (not UK) – Up to 600 (due to public transport only) Legal Expenses Up to 10,000

Deposits ( 10 excess). All sections, except Personal Accident, Hospital Benefit, Loss of Passport, Missed Departure, Legal Expenses and Personal Liability are subject to a 75 excess, per person, per claim.

Infants under the age of 2 years FREE if named on Adult Insurance.

2-15 year olds 25% discount on departure if travelling with an insured adult.

Please contact Edwards Holidays for travel insurance prices.

Your insurance is arranged on the basis of what you have told us and your insurer. Therefore, you must provide answers to all questions raised honestly, completely and to the best of your knowledge. If you re in any doubt as to whether to provide any information please do so, to ensure that your policy is set up on the correct basis because if not it could mean that part or all of a claim may be unpaid. If any circumstances change throughout the policy term please advise us immediately so that we can ensure cover is still appropriate. If you fail to report claims promptly, or any circumstances which may lead to a claim, it may affect your ability to obtain a settlement.

If your cover doesn t meet your requirements, please let Edwards Holidays know within 14 days of receiving your policy document and return all your documents for a refund of your premium. Any premium already paid will be refunded to You providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.

Full details of how to make a claim and how to appeal should your claim not be successful can be found in the policy document. Updated January 2017.

Should you have a complaint about the sale of your travel insurance policy, please contact The Branch Manager, CCV Insurance Brokers Ltd, Unit 4 Neptune Court, Vanguard Way, Cardiff CF24 5PJ.
Should you remain unhappy with our final reply, you may have the right to refer your complaint to The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Opening times are Monday to Friday 8am to 8pm and Saturday 9am to 1pm. Their telephone number 0800 023 4 567 and calls to this number are normally free for people ringing from a fixed line phone but charges may apply if you call from a mobile phone. 0300 123 9 123 calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs. These numbers may not be available from outside the UK so please call us from abroad on +44 20 7964 0500.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, with no upper limit. Further information is available from the FSCS.

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Parks – Ellison Park #monroe, #monroe #county, #monroe #county #online, #online #services, #monroe #county


Ellison Park

At 447 acres, Ellison Park has the beauty of natural woodlands combined with steep slopes and the level flood plain of the Irondequoit Creek. Ellison has 5 softball diamonds, 1 multi-use athletic field, and a playground. It has one of our two legal off-leash Dog Parks in the County Park system. Tennis courts are located in the park off Blossom Road, and are lined for Pickleball also. There are two designated sledding hills located in Ellison Park. A non-motorized/car-top boat launch is located by the Circle Shelter allows you to boat in Irondequoit Creek. Fishing is also allowed. Ellison Park has many trails; their locations are shown on the trail map. Fort Schuyler is another attraction that the park offers; this replica of the original Fort is a great attraction for the whole family.

Location and Directions

The park office is located at 395 Rich’s Dugway, Rochester, NY 14625. The main entrance of this park is located east of route 590 on Blossom Road in the Town of Penfield.

Common Recreation Activities at Ellison Park

  • Baseball/Softball
  • Bicycling (no off-road cycling permitted)
  • Disc Golf (seasonal 18-hole course)- baskets are up for the season from mid-April until mid-November
  • Dog Park (legal off-leash; registration required)
  • Fishing
  • Geo-caching (approximately 20 caches)
  • Hiking/Running
  • Horseback Riding
  • Ice Skating (seasonal and weather-dependent)
  • Kayaking/Canoeing (launch available on south side of park)
  • Kickball
  • Lodges and Shelters for Rent
  • Multi-use Athletic Fields
  • Pickleball (seasonal)
  • Playground
  • Sledding (seasonal, and in designated areas only)
  • Snowshoeing (non-groomed, and seasonal)
  • Tennis (seasonal)
  • Ultimate Frisbee
  • Creek access

Rules and Regulations

  • Ellison Park is open daily 7:00 a.m. until 11:00 p.m. and has a Carry-in Carry-out rule. which means you must take all your garbage with you for disposal after leaving the park.
  • All pets must be leashed and you are responsible for cleaning up after them.
  • Amplified music is not allowed at the South Lodge or the Island, Spruce, Circle and Sycamore Shelters.

Winter Park Hours

Summer Park Hours

Lodges and Shelters

This park has four enclosed lodges and six open-air shelters including a premium lodge, the Pavilion Lodge!

For information and reservations please call 585 753-PARK (7275) or go to our Online Lodge Shelter Reservation System .

Rent Ellison Park’s Pavilion Lodge HERE


Officially the first Monroe County Park, Ellison Park came into being in December of 1926. The county accepted approximately 200 acres of land from Mr. and Mrs. Frank T. Ellison in memory of Mr. Ellison’s father, Nathaniel. Ellison Park has been the hub of many historical events and locations. Indian Landing which was located on Irondequoit Creek, for many years was used by the indigenous Iroquois as the beginning of the portage route which stretched along Ellison Park.

The Lost City of Tryon, originally founded in hopes of creating a commercial settlement, used the Irondequoit Creek for trade. A store was built that bartered with the Seneca Indians, beginning its trading roots.


There are four restrooms located in the park. There is one located by the Disc Golf Course off Landing Road (open seasonally between May 1st and October 31st). There is another behind the Hazelwood Grove Lodge. Another facility is located by the Creekside Lodge. The last restroom is located by the Sycamore Shelter (open seasonally between May 1st and October 31st). All of the restrooms have flush toilets. See the park map for specific locations.


Before heading out to Ellison Park print the park map. The color coded hiking trails and additional details will keep you on the right track.

Coyote Den Trail, this 1.1 mile walk (one way) passes by a few ponds and walkers can expect to see many birds and other wildlife.

Overlook Trail, this .6 mile walk overlooks Thomas cove and the stone quarry.

Mill Race Trail, this .4 mile walk, shows the stages between wetlands and a forest.

Indian Landing Trail, this 1.5 mile walk, is full of history, from the location of an old trading post (Fort Schuyler), to the presumed famous Butlers’s Rangers hideout, marked with commemorative plaques.

Butlers Gap Trail, this .7 mile walk (one way) has many interesting historical features as well as an intersection that overlooks the wetlands.

Disc Golf

A new Disc Golf map can be found here. The Greater Rochester Disc Golf Club worked very hard with the Parks Department to re-route the course.

Disc golf is open for play from approximately early/mid April until mid-November, dependent upon ground conditions and weather. If you’ve never played before, there’s never been a better time to get out early and learn. Contact the Greater Rochester Disc Golf Club at www.grdgc.org for more information about the sport.


There is one playground facility in Ellison Park. It is located on the north side of Blossom Road, near Roadside Shelter. See the park map for the specific location.

Athletic Fields

Ellison Park has five softball fields and one multi-use athletic field that are available for rent. Click here for the Special Use Application or call 585 753-PARK (7275) for more information.

  • We start accepting Special Use Field Applications for the upcoming year on the last Friday in January at 8:30am.

The five softball fields are located throughout the park; #1 and #2 are near Circle and Sycamore Shelters; #3 and #4 are along the road leading to the South Lodge, and #5 is by the Old Meadow Shelter. There are also 3 tennis courts that are lined for Pickleball, and one court lined only for Pickleball. These courts are located off Blossom Road.

Winter Activities

Ellison Park offers two designated sledding hills, and an ice skating rink. The sledding hills are located off Landing Road by the Disc Golf Course.

  • The ice skating rink is located in the large parking lot off Blossom Road. There are no skate rentals; you must bring your own.
  • For rink conditions call 585 753-PARK (7275) during the week between 8:30am and 4:30pm, or 585-753-7270 on weekends between 10am and 4pm.
  • ​Groomed natural-ice surfaces are in Churchville, Ellison, and Highland Parks.
  • Ice skating is not permitted elsewhere in the Monroe County Parks.
  • When ice conditions allow, the skating hours at Ellison are as follows:
    • Monday through Sunday: 10am- 10pm
  • Equipment is not available for rent in any park.

    There is no warming hut available nearby the rink at Ellison Park.

    Ice conditions will vary depending on weather.

    Skating is done at your own risk.

    Water Activities

    Fishing is allowed in Ellison Park as long as those fishing are following NYS Department of Environmental Conservation guidelines and rules and have the required licenses. There is a non-motorized/car-top Boat Launch located on the south side of the park, near Circle Shelter.

    Ellison Park Area Master Plan Update

Download: MT4 Forex Broker with New York Close Charts » Learn To Trade #new


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Disclaimer. Any Advice or information on this website is General Advice Only – It does not take into account your personal circumstances, please do not trade or invest based solely on this information. By Viewing any material or using the information within this site you agree that this is general education material and you will not hold any person or entity responsible for loss or damages resulting from the content or general advice provided here by Learn To Trade The Market Pty Ltd, it’s employees, directors or fellow members. Futures, options, and spot currency trading have large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the futures and options markets. Don’t trade with money you can’t afford to lose. This website is neither a solicitation nor an offer to Buy/Sell futures, spot forex, cfd’s, options or other financial products. No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed in any material on this website. The past performance of any trading system or methodology is not necessarily indicative of future results.

High Risk Warning: Forex, Futures, and Options trading has large potential rewards, but also large potential risks. The high degree of leverage can work against you as well as for you. You must be aware of the risks of investing in forex, futures, and options and be willing to accept them in order to trade in these markets. Forex trading involves substantial risk of loss and is not suitable for all investors. Please do not trade with borrowed money or money you cannot afford to lose. Any opinions, news, research, analysis, prices, or other information contained on this website is provided as general market commentary and does not constitute investment advice. We will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from the use of or reliance on such information. Please remember that the past performance of any trading system or methodology is not necessarily indicative of future results.

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New – Used Telephone Systems in Pennsylvania and New Jersey #telephone #system, #pennsylvania, #new


There are several types of office phone systems that run on different technology platforms. They consist [more]

Telecommunications Experts for Your Business

As an authorized reseller of the most innovative worldwide telecommunications systems, Tel-Comp Solutions [more]

Tel-Comp Solutions

Tel-Comp Solutions is a Philadelphia based voice and data company specializing in the sales, installation servicing of telephone systems, business VoIP, and telephone and computer network cabling; with thousands of telephones and systems installed throughout the Philadelphia, Southeastern Pennsylvania, New Jersey, and Delaware regions. Our expertise combines the latest technology, comprehensive training, and years of professional engineered installations. The result is a highly functional, cost savings new office telephone system tailored specifically for your large or small business. With twenty-two years of experience, we have provided voice and data services to a variety of businesses.

Telephone System Provided Industries

Large and Small Business
Office, Retail
Automotive, Car Dealerships
Hospitality, Hotels
Nursing and Assisted Living
Medical, Hospital
Church, Schools
Law Office, Real Estate
Municipalities, Government
Warehouse and Distribution Centers
Professional Environments


Telephone System Installations
Cabling, Wiring ( Cat 3, Cat 5, Cat 5e, Cat 6, Cat 6a, Cat 6e, Cat 7 )
VoIP and IP Phone Systems
Digital PBX and Key Phone Systems
Voicemail, Call Centers
Call Accounting
Automatic Call Distribution ( ACD )
Video Conferencing
Wireless WAN Solutions
Voice and Data Managed Services
Commercial, Warehouse Paging
Remanufactured Telephones / Parts
Repair Telephones / Telephone System Parts

Products Serviced

Freedom Voice
Star 2 Star

There are several types of office phone systems that run on different technology platforms. They consist of VoIP, digital key or PBX, and analog. Before choosing the right telephone system for the heartbeat of your business, there are several factors to consider. Factors include how many telephones ( extensions ), business applications ( features ), existing or new infrastructure ( cabling, wiring ), and of course budget. The four types of telephone systems are Key KSU Less, KSU, PBX, and VoIP. Summary of Telephone System Types Key KSU Less This type of system is the most basic of all telephone systems available, more suited for a small business with 10 or less employees. KSU-less Read More.

One of the biggest backbones in any voice and data communication infrastructure is the network cabling needed. Research has shown that in many cases, improper cable connection and type of wire relate to many problematic errors and malfunctions in up to 50% of cable network infrastructures. Most all business communications rely on the network cable infrastructure for telephones and computers that communicate internally and to the outside world to conduct business. When connecting/installing any voice or data equipment, your cable network should be designed to provide the maximum performance for your phone or computer systems. Tel-Comp Solutions is a Read More.

Contact Us

cforms contact form by delicious:days

The digital and VoIP ( Voice Over Internet Protocol ) telephone systems are the main types of systems manufactured today! Although VoIP is receiving all the “hype” and is the newest technology platform, VoIP itself is only a new way to transport a call and not the way calls are processed! VoIP technology works by sending voice calls over the internet eliminating plain old telephone service ( POTS ) to make a call. Though calls can now be made over the internet, it does not eliminate the need for a phone service provider ( carriers ) to connect your voice calls to the outside Read More.

If you’re looking to add or replace telephone equipment to your existing telephone system, considering refurbished equipment may be an excellent cost effective choice! Like in most industries who offer refurbished (also known as reconditioned), remanufactured or just used equipment can save your business huge amounts of money and telephone equipment is no different. While many companies may offer such equipment at a discounted rate, the definition of refurbished equipment can vary company to company. From just untested used telephones and in a box with cosmetic and color damage to a complete reconditioning to as good as new Read More.

Areas Serviced

Pennsylvania ( PA )
Allentown, Ardmore, Bensalem, Bethlehem, Blue Bell, Broomall, Collegeville, Conshohocken, Downingtown, Drexel Hill, Exton, Harleysville, Hatboro, King of Prussia, Lansdale, Levittown, Malvern, Media, Norristown, North Wales, Paoli, Philadelphia, Phoenixville, Pottstown, Radnor, Reading, Royersford, Skippack, Souderton, Spring City, Valley Forge, Warrington, West Chester, Willow Grove

New Jersey ( NJ )
Bellmawr, Camden, Cherry Hill, Collingswood, Glassboro, Gloucester City, Marlton, Moorestown, Palmyra, Pennsauken, Trenton, Turnersville, Woodbury

Delaware ( DE )
Wilmington and surrounding area

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How much will my insurance go up after an accident, how much is insurance


How much will my insurance go up after an accident?

How much is insurance for a new driver How much is insurance for a new driver How much is insurance for a new driver How much is insurance for a new driver

When shopping for the best car insurance, drivers choose mainly based on price, service and reputation. But one element that’s often overlooked is a company’s “surcharge schedule” a predetermined premium increase that’s charged if you cause a car accident.

Let’s say you had a spotless driving record for the past 15 years. Last month you caused an accident. Now there’s a claim on your car insurance in order to pay for damages. You suspect your rates will go up at renewal time, but what’s a standard increase after just one accident?

Examples of insurance surcharges after accidents

How much is insurance for a new driver

“It’s the hidden secret in our business,” says Pete Giancola, owner of Pete Giancola’s Insurance Agency in Deephaven, Minn., adding that there’s “a huge difference from company to company” in surcharge amounts.

Car insurance companies are required to file rates with each state insurance department where they operate, and included in that is how they’re going to determine rates after a claim is made. In some states, insurance companies are legally required to give you a copy of the “surcharge schedule.” However, trying to read these schedules can make your head spin.

“They make it extremely difficult to read,” Giancola says.

The surcharge schedule lists points and percentages and you often have to do your own math to figure how much of an increase you would pay percentage-wise. But it may be worth the headache because the car insurance rate differences can be significant.

Just how much does car insurance go up after an accident?

Many car insurance companies follow the Insurance Services Office’s (ISO) standard of increasing a premium by 20 to 40 percent of the insurer’s base rate (which is the average rate charged in the state before discounts and other adjustments, plus the insurance company’s claims-processing fee). According to the ISO, for multicar policies the surcharge is 20 percent of the base rate for the first two vehicles on the policy, and 40 percent for a single-car policy.

For example, say you insure two cars at a premium of $300 each and the insurer’s base rate is $400. After an accident, you may get a surcharge of $80 (20 percent of $400) on both, so your total surcharge would be $160 an increase of about 27 percent on the policy.

But many insurers operate with their own surcharge ideas some higher and some lower.

According to a 2008 surcharge schedule from State Farm, for example, if you had an accident within the first 12 months of your policy period, your base rate would increase by 10 percent after the first accident (and another 45 percent after the second). In the same scenario, a person insured with Progressive who is between the ages of 25 to 44, would see a 29.5 percent increase on his policy after the first accident (56.2 percent for the second), according to the company’s 2002 surcharge schedule. A 2005 AAA Auto Club surcharge schedule shows an increase of 30 percent for the first accident and 150 percent for the second major accident. (Insurance companies do not file new surcharge schedules each year. A new schedule is filed only when an insurance company wants to increase or decrease its rate. But it’s rare that an insurer would file to decrease, says Giancola.)

While a car insurance policy may look like a bargain initially, a high surcharge level could send your rate through the roof after an accident. “Some companies offer cheaper policies, but God forbid you have an accident,” Giancola says.

Surcharges vary by state and insurance company, and some penalize you for moving violations while others focus only on “chargeable accidents” (meaning at-fault accidents for which your insurance company must pay out more than $500 or $750 per accident after your deductible has been applied).

If you’re shopping for a car insurance policy, Giancola recommends that you ask an insurance company for a copy of its surcharge schedule (sometimes called an “insurance point plan”) before you buy. Also, ask this question: “If I have an accident within the next 12 months, what would my end result premium be without discounts?”

“A lot of times, the agent doesn’t want to answer that question. You gotta push it,” advises Giancola.

While individual insurers can choose differently, ISO does not recommend a surcharge on “property damage only” accidents where the damage is under $1,000. Also, if the accident is caused by a new driver (driving less than two years) who already receives a surcharge for being inexperienced, there should be no additional surcharge for his first accident. There are also state exceptions to surcharges.

Also, some insurance companies will not figure your increase based on their base rate, but rather on what you were paying before the accident. Keep in mind that your location, age and driving record, as well as the “loss experience” (meaning claims made) of drivers similar to you affect the percentage increase of your insurance premium.

Most companies try to remove the rating variables that might skew your premium increase related to “loss experience.” For example, if you live in a state in which the majority of your insurance company’s customers live in urban areas, but you live in a rural area, you don’t want your premium increase to reflect the claims of urban motorists. Likewise, if your insurance company happens to insure more youthful drivers than middle-aged drivers, and you’re middle-aged, you don’t want your rate increase to be affected by those higher-risk, higher-charged, younger drivers.

By factoring out drivers who aren’t in your age group and drivers who don’t live in your area, insurance companies say they can derive an equitable increase in your premium.

After-accident rate increases not exactly a science

You might find yourself getting double- or triple-whammied by your individual circumstances. For example, if you make a claim and have a birthday before renewal time, your birthday might bump you into a higher risk category along with the claim, shooting your rate through the roof.

Or, if you’ve made a claim and bought a more expensive car before renewal time, you’ll likely see a significant increase perhaps as much as 100 percent.

Remember, too, that circumstances can work in your favor at times. If you turn 40 and enter a lower-risk category, or if you buy a car that’s less expensive to insure, your savings might help offset any increase due to an accident.

Accident forgiveness

Some car insurance companies give their customers a one-time “get out of jail free” pass. When you make a claim on your first at-fault accident, you might not see any increase in your premium at renewal time. This practice sometimes known as “accident forgiveness” is not industry-wide, so if your insurance company holds your rate steady, consider yourself lucky.

Companies that forgive first-time accidents often require that you fit a certain profile in order to escape a rate increase.

For example, State Farm Insurance Co. increases your premium for any “chargeable” accident meaning any accident in which the company pays more than $750 in liability and collision claims combined. Its policyholders should expect to see the increase at renewal time on their liability, collision, and PIP or medical payments coverages. But State Farm also has a program called “forgive the first accident” for its policyholders who have been with the company, accident-free, for at least nine years. If you fit this description and have a chargeable accident, you won’t see any increase in your premium.

USAA members in 43 states and Washington, D.C., who keep an accident-free record for at least five years will receive a surcharge waiver for one at-fault accident per policy. If you haven’t been with the company that long, you can still buy accident forgiveness: For a few dollars extra a month, USAA lets you purchase an endorsement that forgives one at-fault accident. This endorsement is currently available in 17 states.

When you’re shopping for car insurance, it’s a good idea to ask whether the insurer offers first-time accident forgiveness. It might save you a lot of money on your car insurance over the long haul.

If you’re slapped with a surcharge, it does not last forever. Your surcharge will drop off after a determined length of time, which varies by state. For example, if you live in Minnesota, you’re surcharged for 3 years, Giancola says. If you don’t have another accident within those three years, your premium will drop back down. If you get hit by a surcharge, ask your agent how long it will last.

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New York Personal Injury Lawyers

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At Hach Rose, LLP. our accident lawyers have the knowledge and experience necessary to assist clients in their pursuit of compensation to cover medical bills, lost wages, and other losses that can result from a sudden accident. Whether you are interested in possible car accident litigation or in need of support after you have been a victim of medical malpractice, the experienced and knowledgeable NY personal injury attorneys of Hach Rose, LLP, are prepared to help you more fully understand your legal rights and options.

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Hach Rose, LLP, provides free, no-obligation consultations and multilingual services, serving clients nationwide. Please call our New York City personal injury attorneys at (212) 779-0057 or fill out our online contact form today. Even if you contact us after hours, we promise to respond quickly.

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  • 1 Note this only applies to plain Mentats, the other variations (Berry Mentats. Orange Mentats. and Grape Mentats ) are non addictive.
  • Items not listed in this table are not addictive in Fallout 3; this includes Rad-X. RadAway. and some other substances.
  • Risk is a base chance of addiction per use, and only applies to alcohol items in Fallout 3.
  • UMON is an accumulating chance of addiction. See Usage Monitor for a detailed explanation.
  • Duration is the length of time required to pass without consuming the drug for the accumulated UMON value to be reduced.

Usage Monitor Edit

In addition to addiction chance, certain items have an additional, increasing chance of addiction with each subsequent use. Internally, this effect is referred to as the Usage Monitor Effect. or UMON. Each use of an item adds its UMON value to the total UMON value before the addiction check is performed. This value remains added to the UMON total until its specified time limit elapses, at which point it is removed from the current running total. An accumulated value of 75 appears to equate to an additional 1% chance (added on top of any existing addiction chance), while a value of 175 appears to be equivalent to a 100% chance. The specifics of the algorithm remain unclear.

Fallout: New Vegas Edit

New drugs and addiction-causing substances were added to Fallout: New Vegas . many with their own new forms of addiction. Due to the engine used in Fallout: New Vegas, addiction behaves the same as it did in Fallout 3 . It is permanent unless seen to by a doctor. Fixer will provide temporary relief from the symptoms of withdrawal. When Old World Blues is installed, the Sink Auto-Doc cures addictions for free as part of the basic physical exam. For information about UMON, risk and so on, see the appropriate Fallout 3 section.

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