Is your car financed? Your lien holder — not the state — will need one to obtain collision (COL) and comprehensive (COMP or OTC) auto insurance in San Antonio coverages as well as state-mandated liability insurance.
In case your car is leased, then normally your lender auto insurance in Houston will require limits of $100,000 per person and $300,000 per accident for bodily injury liability and $50,000 for damage to property liability (known as 100/300/50), plus comprehensive and collision coverages. Their finance or leasing company might also mandate that you have a deductible of $500 or less on your own collision and comprehensive coverages.
If you didn’t put a big deposit about the vehicle, gap insurance policies are a good idea.
Are you experiencing medical health insurance? Check with your overall health insurer to find out if injuries sustained in car accidents are covered beneath the relation to your policy. When they are, it can save you cash on your vehicle insurance by turning down coverages for uninsured motorist bodily injury (UMBI) and medical payments (MedPay). Obtain UMBI, however, if achieving the right compensation for lost pay and suffering and pain could be important to you had you been hit by an uninsured driver.
If your health insurance doesn’t cover vechicle accident injuries or else you are without medical insurance, uninsured motorist bodily injury and medical payments could be essential coverage to include in your policy. Such coverage will give you some compensation if you’re injured in a motor vehicle accident.
Do you have substantial assets to guard? Buy the maximum amount of liability as you can afford. Industry recommendations are 100/300/50 as well as higher for drivers with many assets. An umbrella policy can be recommended so that you will have extra protection if higher than normal limits are ever exceeded.
For those who have cash reserves readily available, you can lift up your deductible comes down to help cancel out the expense of your higher liability limits.
Buy the cheapest coverage as long as … it’s absolutely all you are able afford. Should you take this road, you ought to own your car outright and own hardly anything else. Your own car won’t be covered for damages as well as your medical expenses won’t be covered if you are to blame in an accident, or if you are hit by an uninsured driver.
By carrying only state minimum degrees of liability, you’re personally liable for anywhere of damages that exceed your coverage limits. Should you hit somebody who then sues you and also wins, your license can be suspended through the Texas Department of Public Safety should you don’t pay.
What Do You have to Register Your vehicle?
You have to provide valid proof insurance (or another accepted type of financial responsibility) to the county assessor-collector when registering a motor vehicle in Texas. You’ll want insurance coverage that fits the minimum quantities of coverage essental to law during your registration or renewal.
Can I use out-of-state insurance? Yes, Texas accepts evidence of financial responsibility from other states so long as it’s from an agent, company, or surety company authorized to write liability insurance in Texas and meets no less than the minimum amount of coverage required by the Texas Car Safety Responsibility Act (Transportation Code Section 601.072).
Are available other ways to show financial responsibility? Yes, Texas law allows as legitimate proof of financial responsibility to your motor vehicle:
1. Auto insurance — An existing car insurance policy or card, or binder issued pending issuance of a liability policy
2. Surety bond – A certificate of compliance showing that the surety bond may be filed with the Texas Department of Public Safety (DPS).
3. Deposit of cash or securities with comptroller — Certificates showing that $55,000 in cash or securities may be deposited with all the state comptroller
4. Deposit of money or cashier’s seek advice from a county judge — A replica of a certificate filed using the DPS that was from a county judge (and acknowledged with a sheriff) verifying you’ve deposited no less than $55,000 in cash or by cashier’s check with the county judge. The county judge should be inside the county in which the vehicle will be registered.
5. Self-insurance – A duplicate of a self-insurance certificate issued by the Department of Public Safety. (You need to own 25 vehicles or maybe more to qualify.)
Certificates of financial responsibility ought to be issued instead of a coverage card for options 2 through 5.
I love animals. Almost any animal, actually. Cats are my favorite; my family has had pet cats my entire life. I only have one now, but I’ve had her for 13 years, and I love her to pieces. My roommates have a cat and a dog, and my boyfriend has a dog, so there are plenty of cute animals in my life. My roommates’ and my boyfriends’ dogs are cute, but they’re too small. If I get a dog, I want a real dog–a German shepherd or great Dane. To each his own, I guess. Some people like small dogs, and some like big ones. Some prefer strange animals, and I’m no different. I love iguanas and turtles, and while I love birds, I’d never have one captive.
So while I love animals of all kinds (except cockroaches and spiders, ew), I was surprised to learn that a good friend of mine wants a teacup pig. One of those beady-eyed, potbellied little hairless squealers. I always thought teacup pigs were hideous. So ugly they’re cute, I guess. miniature pigs are only cuter than regular pigs because of their size. Have you ever seen a regular pig? They’re disgusting, and terrifying. They’re way too big to be anywhere outside farms. That movie “Babe”? An outright lie. Pigs are just not cute, and miniature pigs are just downsized ugly.
Now, I’m not one of those people who thinks that something should be treated poorly just because it’s not cute. The plight of factory farmed chickens makes me ill, and few people would say chickens are cute (though the chicks are adorable, and chickens do make good pets). I would never willingly harm an animal (spider casualties of war notwithstanding), and everyone has their own tastes. So while I’d never own a designer teacup pig, I’m not going to judge someone who does.
However, a caveat: teacup pigs are a HUGE responsibility. More than a dog, less than a kid. They’re so intelligent that they need constant companionship for the first few years of their lives. If you’re not willing to get them a buddy pig, that’s going to have to be you.
School can be a difficult and stressful time for your teen to be . Juggling classes , sports, activities , and preparing for college can be overwhelming . Studies have shown that adolescents who are well organized , get higher grades, have better self-esteem and are healthier . Organization can be divided into three areas : time management , study habits and health.
Time management is crucial in High School. Your teen will have different teachers at school . Teachers do not necessarily consult with each other . What this means for your child , is that some weeks the many projects due , nothing have . Different weeks It may also be practical and meetings every week at different times . Your child will likely social obligations . That is to keep a lot.
A student planner will help you keep track of all these things . Your teen Some schools have students planners who have to buy and use. If they do not, take your teen shopping for one to choose . Tablets and smartphones are also an excellent option , with lots of timing and scheduling applications available . Ideally both weekly planner format and the entire month .
For important exams , students want to highlight it , so he can tell when it rises quickly. If the teacher a route for the semester can give , they will usually give weekly homework one day together. Mark this day in your personal calendar , as well , so you can remember. Your teen
If your student is involved in sports or other activities , can be used for the scheduler. Ask them to pass along the practices , meetings and events . Parents can also use it to see if they need to arrange transport and can plan to attend . Events of their child
As a professional home organizer , I would recommend after the first day of school , sit down with your teen to help meet its agenda. Some teachers provide a route for the entire semester. If this is the case , ask your child to all assignments and projects due to write . The specific date
For juniors and seniors , they should use the planner to prepare for college . Before Most will acts and SAT . These tests are presented only a few times per year . The planner can help you remember to prepare for them in the weeks before . It will also ensure that they do not care to do the test date . They can also mark down all visits colleges and deadlines for applications .
Students who have a high average , still good study habits . Your teen has a space in the house where she can do without distraction . Their homework and study It should also try to do homework at the same time every day – it is a habit that can follow throughout the year . Your student must also set aside time each day to study, even though there is no homework for the day . Meanwhile, study your student can see notes and rewrite , read the book chapters and work on skills .
Very often , students do their homework and not to think . When the duration of the test , they can quickly get the information in students who have reserved to evaluate and review time each day do better on tests clots. An organized workspace always help contribute to improve efficiency .
The health of your student is extremely important in high school. Your teenager is still growing and changing physically . They also learn social skills , stress management and the development of self-esteem . One of the best things you can do for your teen is to make sure they get enough sleep . Adolescents have full 8-9 hours of sleep each night . Less than that, they can lose focus. Having a fixed time every night they go to bed , so a little later in the weekend . Remember the iPods and cell phones , make sure they are turned off every night .
Students are often stressed when they . Juggling If you find that your student is overwhelmed , it may be time to evaluate their plans. Your teen may need to eliminate . Certain sports or activities Staying organized also helps relieve stress . If your teen is always planning ahead , it will not be rushed to meet deadlines.