Camping

By Amy Nutt

When reading through an auto insurance policy, it can seem almost impossible to understand. This is because there are various words that we do not use in our everyday language. Actually, those words are not really used outside of the insurance industry or outside of a conversation involving insurance. If you don’t have an understanding of those words, then it can seem as if someone is speaking a foreign language to you. That is why you should learn some of the insurance jargon that is thrown around because insurance happens to be a large part of your life.

Without insurance, you do not have any type of protection in case you are in a car accident. If you don’t have protection, then you can be sued. Being sued means you’ll have to pay for any damages sustained in an accident if the accident was your fault. Even if the accident wasn’t your fault, you still have to worry about your medical bills, replacing your car and the medical expenses of anyone in the car with you. This in itself makes it obvious why auto insurance is a necessity. Luckily, states mandate that people must have a minimum amount of auto insurance.

Basic terms

There are really only five basic terms that you need to know when talking about car insurance. Those terms are:

– Liability coverage

– Physical damage coverage – Medical coverage – Emergency assistance coverage – Unattached equipment coverage

A few of these may look a bit familiar to you, but there are a couple of them may not. We frequently hear the terms liability coverage, physical damage coverage, and medical coverage when talking about car insurance and reading our policies. What we don’t hear much of is emergency assistance coverage and unattached equipment coverage. These are, of course, not as important as the other aspects of your coverage, but that does not mean that they should be ignored since they are great add-ons to your policy.

The most common of the terms you will hear is liability coverage. Liability coverage is the part of your policy that covers damages caused by you in the case of an accident. You should always make sure this coverage is enough to cover damages. If not, then you may have to pay an out of pocket expense to the person who was the victim in the crash. Medical coverage covers you and any passengers within your vehicle as a result of a crash. Physical damage coverage will help you repair or replace your vehicle.

As for the two terms that are a bit different, emergency assistance coverage is like a type of roadside assistance. Adding this to your plan provides you with tow service so that you’re not stranded on a highway in unfamiliar territory. Lastly, unattached equipment coverage provides coverage for that equipment that is not a permanent attachment to your car. That may include something such as a satellite radio system. If you have expensive attachments on your car, you want to make sure that you insure those as well so that you don’t have to pay for their replacement or can have those items repaired by your insurance.

Having an understanding

Knowing these terms is the first step in understanding some of the confusing but important terms that you will see and hear. If you don’t understand them, you cannot understand what type of insurance coverage you have or even how it works. Knowing how it works helps you determine if what you have is adequate enough for your particular needs.

About the Author: Providing complete home and auto insurance Toronto solutions direct to the consumer. Visit us and get an accurate, no-obligation insurance quote.

Source: isnare.com

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By Angela Glancy

A craft room is a great place to keep hobby items that would otherwise clutter up your family’s living space or home office. Craft rooms tend to be very small though, some no more than the size of a walk in closet, so storage becomes a key concern for those hobbies that require lot of accessories and components. The best solution for a tiny craft room is to use RV type of storage.

Like a small craft room, an RV (recreational vehicle) tends to house a lot of items in a very small space. These not only have to be housed, but secured so that everything does not get tossed about or broken when the RV is moving during travel. For that reason, RV storage is the ideal solution to tiny craft room storage.

Storage Ideas: Apothecary

The biggest thing that accumulates in a tiny craft room is paraphernalia. Whether you are a scrapbook fanatic, love to sew, create photo collages, or build model cars, it requires a host of items in order to make projects flow smoothly. The biggest challenge in the room is to find a home for the myriad of little parts and pieces that you need in order to have fun with your hobby.

One great answer is an apothecary, which is very similar to a wall of drawers used in a medicine shop to store a lot of medicines and medicine equipment. They can be as shallow or deep as you need them to be, and floor-to-ceiling drawers are stylish and a handy means of storing everything. Labeling the drawers will help you find what you are looking for when you work your hobby, and everything stays neat and organized.

Storage Ideas: Cube Storage

Cube wall shelves are another simple and helpful idea for storing some types of craft materials, such as paper, felt, tape, paint, and similar items. Much like a picture frame, they are cubes that hang directly on the wall with room to insert a few accessories. Size and depth are based on the cube, and varying sizes can create depth in the room while still maintaining style and sophistication.

Similar to an apothecary, a cube storage system offers many different units to hold multiple items securely. However, many cube storage systems are customizable, whereas the apothecary’s cubes are all the same size. With a cube storage system, you can tailor the size of the cube to meet your needs, and some systems come with doors that can be closed on scissors, glue, and dangerous items that should be kept away from children or pets.

Making Every Inch Count

Finally, the best RV storage for a tiny craft room is to make every square inch of storage space count. Build storage drawers or cabinets under your desk. Take a cabinet with a door, such as a medicine cabinet, and appropriate it for craft room use. Hanging baskets are great, but they spill easily and aren’t always the best option for storing small items. Use them for yarn or other material that will not fall out easily and make a mess.

About the Author: Writer/Designer, Angela Glancy, writes for AmericanArtisanArt.com and has many ideas for bringing the beauty of metal wall panels and wooden wall sculptures to your interiors.

Source: isnare.com

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