Lease Out a Car With Novated Lease Benefits

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Novated lease benefits is a type of vehicular leasing agreement common in many parts of the western world that allows a business house to lease out a vehicle through executing a leasing deed. This leasing deed is executed by the business houses on behalf of its employees who cannot afford a car though a down payment. Many business houses are using novated lease benefits as an aspect to boost its employee’s morale. Under this scheme, the responsibility to pay the EMIs of leasing deed rests upon the employee and the amount of EMI will be deducted from the employee’s pre- tax income.

Under certain agreements, the employer takes on the responsibility of making the payment of lease agreement on behalf of the employee and then employer deducts the amount from the employee’s pre-tax income. The novated lease benefits is a mutually beneficiary scheme to both employer and employee as this will improve the employee morale(from the employer point of view) and also benefits the employee as this reduces the tax liability of the employee.

Moreover, a monthly payment is always desirable over a down payment as this will reduce the cost burden of both employer and employee. And the savings on tax liability is one more reason due to which both the corporate houses and the employees opt for novated lease benefit. Further, the flexibility attached to this benefit i.e., the employee can add few more features to the vehicle and can opt for a new or used car depending on his repayment ability and monthly surplus. All these features are collectively leading to novated leasing by many employers and employees.

Besides above benefits, there are certain value additions that make an employee go for a novated leasing over buying out a vehicle is its transferability from one employer to another. If in case you move from one company to another during the leasing period you can transfer your lease from old employer to new employer. The novated lease benefits also called as salary packaging/ salary sacrificing and are viewed as a part of employee’s earnings agreed to pay for the benefit of a vehicle. Under this agreement, the employee can include any of the benefits such as Vehicle finance, Comprehensive insurance (or you can arrange your own), Registration, Fuel, Maintenance such as servicing, tires, battery replacement and repairs, roadside assistance as elements of leasing without fail by employees.

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Source by Rizvana Manzoor

A Psychological Profile of Tony Soprano

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Tony Soprano is one of the most intriguing and enigmatic characters in the history of television. Understanding him psychologically is a difficult proposition, although many of the shows other character’s have proffered some ideas. In one early episode, Dr. Melfi’s husband Richard refers to Tony as Alexithymic, the short definition being “the inability to talk about feelings due to a lack of emotional awareness.” This definition is definitely somewhat accurate, as Tony often reacts with rage during periods of confusion and frustration.

One classic example of this comes when Tony enters his office and sees that someone has purchased a “Big Mouth Billy Bass” and placed it on his desk. Seeing the singing fish reminds Tony of his dream about Big Pussy, and this memory floods Tony with multiple emotions that he is unable to process or understand. Tony reacts to this emotional flooding by beating Georgie, (A favorite pastime) who he learns placed the fish in his office, as this choice allows him to temporarily exorcise his uncomfortable feelings through this physically violent reaction.

At one point Dr. Melfi suggests Tony has an Anti-Social Personality Disorder. People with this disorder often show a persistent pattern of conduct disorder in their teen years which involves breaking the law, poor academic performance, disrespect for authority as well as several other more severe criteria including torturing animals and starting fires. Throughout the series we learn several things about Tony’s younger years. In Season 1, we learn from Uncle Junior and Livia that Tony and his friends stole a car, and also that Tony used to sell stolen lobsters in an effort to earn some extras cash. In another episode we see him skipping school, breaking into his father’s car, and generally being very willing to bend the rules.

Skip to Tony’s teen years and we learn that Tony has become good enough at sports to become a “varsity athlete” despite Junior’s claim that he wasn’t. He graduates from High School and attends Seton Hall for a semester and a half, before he “got into some trouble” (revealed to Meadow during the episode “College”) and goes to prison for a short while. While Tony is insisting to Dr. Melfi that he never engaged in Homosexual activities, we learn his time in prison was relatively short, and we can therefore assume his crime was relatively minor. Around this same time Tony robbed Feech Lamana’s card game, which was a major turning point in his life where he became officially respected as a gangster.

From this brief look at Tony’s adolescence we learn he probably did meet many of the characteristics for conduct disorder but possibly not enough to make a firm diagnoses. Which moves us to the diagnoses of Anti-Social personality disorder, which according to the DSM-IV, involves “a pervasive pattern of disregard for and violation of the rights of others occurring since age 15 years, as indicated by three (or more) of the following:

(1) failure to conform to social norms with respect to lawful behaviors as indicated by repeatedly performing acts that are grounds for arrest

(2) deceitfulness, as indicated by repeated lying, use of aliases, or conning others for personal profit or pleasure

(3) impulsivity or failure to plan ahead

(4) irritability and aggressiveness, as indicated by repeated physical fights or assaults

(5) reckless disregard for safety of self or others

(6) consistent irresponsibility, as indicated by repeated failure to sustain consistent work behavior or honor financial obligations

(7) lack of remorse, as indicated by being indifferent to or rationalizing having hurt, mistreated, or stolen from another

B. The individual is at least age 18 years.

C. There is evidence of Conduct Disorder with onset before age 15 years.

D. The occurrence of antisocial behavior is not exclusively during the course of Schizophrenia or a Manic Episode.

So, does Tony meet at least three of these criteria? The answer seems to be that yes of course he does. Although he does not seem to meet the criteria for number 6, there have been multiple examples of his actions meeting the criteria for the other 6 components. But does this diagnosis truly encapsulate Tony Soprano? It doesn’t appear to. The fact is that Tony is capable of unselfish and extremely generous acts, although often these actions have ulterior motives. Therefore to truly get a sense of the patterns of Tony Soprano’s life, it is extremely useful to use an Adlerian model to examine the patterns of his basic convictions. The Adlerian model looks at key components of a person’s life, and also at their early recollections in an attempt to examine several key determinants that Adler believed made up a person’s unique lifestyle.

Gender Role Preparation perceived through Gender Guiding Lines and Role Models

Through observing their parents and the gender patterns they adopt in their relations, a person learns to conceptualize a personal definition of what a man is and what a woman is. From watching his father, “Johnny Boy” Soprano, a respected and feared Mafioso, Tony formed several impression of what it is to be a man. First and foremost Tony learned that the man is the breadwinner in the family, and that he needs to do whatever it takes, regardless of the law, to provide for his family.

Tony also learned a great deal about conflict resolution from watching his father deal with people from around the neighborhood. One particularly important observation was watching his father handle a man named Satriale who had been avoiding him because he owed him a debt. When Tony watches his father chop off the man’s finger as a result of this dispute, Tony formed an early impression that a man goes to any lengths, despite the law, when that man owes him a debt. This impression was again confirmed when he watched his father brutally pummel a neighbor named Rocco, who also owed Johnny a debt.

Tony also learned a great deal from watching his father’s work habits throughout the years, and this affected his own adult attitude towards work. The beatings Tony witnessed in the previous situations were both over an attempt to collect a debt, and Tony saw that a great deal of Johnny’s income was simply taken by force or the threat of violence. Therefore he learned that men don’t need to work if they can take things from others, and this was a lesson that appeared to resonate.

In one notable event that occurred in Tony’s teen years, he covers for his father to his mother when she correctly assumes he’s been with another woman. In this situation, Tony, who has most likely learned through watching his father lie many times before, that it’s OK for a man to lie when confronted by an uncomfortable situation.

Through Tony’s interactions with his mother he learned that a woman, although she works in the home, holds a great deal of power and control in interpersonal relationships. One early impression came from watching his father and mother interact after his father brings home a large order of meat, and Tony observes that this was the only time his mother was ever really happy. Tony also makes the connection that when his father brought gifts it was “probably the only time he got laid” which also created the impression for Tony that a woman only provides sexual gratification to men when they are given gifts, and this was an idea that also seemed to translate to his adult life.

Interpersonal Style perceived through Experience of Family Atmosphere

The family atmosphere in the Soprano family was one of storm and strife. As Tony’s sister Janice correctly explains to her husband Bobby, “In my family it was dog eat dog.” This was an accurate description of the Soprano household, and much of this difficulty stemmed from the interactions between Livia and Johnny which were based on repetitive patterns of incessant nagging on Livia’s part and extreme deceit on Johnny’s. Livia’s tyranny over the house may have even eventually contributed to Johnny’s physical decline, as in Tony’s estimation she wore this very strong man into a “little nub.”

Livia Soprano’s love was conditional love. Livia was extremely critical of her children and she did not demonstrate encouragement and support of their endeavors which appeared to stimulate a lifelong pattern of self-doubt in both Tony as well as his sister Janice. Discouraged children often grow up to be angry and unfulfilled adults, as they begin to feel that everything they do will not live up to someone’s standards. In these situations a kind of “learned helplessness” (Seligman 1965) can take place, where kids simply give up rather than continuing to compete in a seemingly hopeless situation. This appeared to be the case with Janice Soprano, who spends a lifetime avoiding any kind of useful activity rather than have to be judged a failure as she has so many times before.

Tony on the other hand compensated for this lack of love like his father did by lashing out at others, finding temporary gratification though many sexual conquests, and finding solace in acquiring material possessions.

Livia also talked openly of killing her children when Tony was a young man, which he must have seen as a great devaluation of his importance and worth in his mother’s life. In one notable instance Livia tells Tony she could “smother him with a pillow” which terrifies Tony and makes him question how far his mother might really go in enforcing punishment in the Soprano household. Johnny Soprano on the other hand freely used corporal punishment in the house, and in Tony’s words, “the belt was his favorite child development tool.” Johnny clearly demonstrated though many of his actions in the house that violence was an appropriate response to frustration, and this was also a value that Tony seemed to inherit.

Johnny Soprano was also consistently deceitful in his dealings with his family, and his constant deceit was often the trigger that sent Livia flying into a rage. One early example of Johnny’s deceit came following his arrest at a kid’s carnival, where he tells his children the cops made a terrible mistake and arrested the wrong guys, which would be difficult for even a child to believe.

Another important event that confirms Johnny’s constant deceit occurred when Tony was a teenager and Livia was in the hospital having suffered a miscarriage where she was in dire physical danger. Johnny, who was staying overnight with his mistress, concocts an elaborate lie that hinged on Tony supporting the lie and confirming the story for his hospitalized mother. Tony does go along with the lie, and this event marked as major turning point where he embraces the deceitful lifestyle and begins to head down the path his father has paved for him.

Personal Code of Conduct perceived through Acceptance / Rejection of Family Values

When Tony embraced his father’s lying ways, he was essentially accepting the Soprano family values, all of which were also modeled by Tony’s Uncle Junior. Although Tony made a brief attempt at following a different path by going to college, his robbery of Feech Lamana’s card game demonstrated an early lesson learned from his father that if someone wants something that it is easier to simply take it from others than to actually work for it. This idea was strongly reinforced when Tony was caught for this act and he was not only not punished, but in effect promoted into the “family” following this brazen and irresponsible action.

For Tony the term “family values” obviously had more than one meaning, but upon close examination the values modeled in the Sopranos household were the same that were necessary to survive and even thrive in the mafia “family” Tony was also a part of. For instance Livia used the threat of killing someone weaker than her to retain order in the house and get people to comply with her wishes. The exact same thing is used by the mafia family, as the threat of pending violence is one of the key ways the family perpetuates its wealth.

The family value of deceit in the house was also a necessary value to succeed in the larger Mafia family. The code of “Omerta” implies silence and avoidance of even discussing the organization, and this is an interesting connection to make considering the fact that Livia was so against Tony going to therapy as she felt he was there to “talk about his mother.” Livia, who preferred the family secrets stay buried, was so consumed by feelings of anger from thinking that Tony would reveal her secrets to a therapist, that she in essence convinced Junior to have him killed. Returning to the moment of the idea Tony is Alexithymic, one can speculate that this condition might stem from his mother’s absolute inability to promote the sharing of feelings in the Soprano household.

Perspective on the World perceived through Experience of Psychological Birth Order

As the second born child of three, Tony’s assumed the position of the classic middle child. The second born child often takes their cues from the oldest child, who has been in the world longer and provides a roadmap for the second child to follow. Second born children are often the rebels in the family, as the first borns tend to be responsible and can often even be like a second parent. The second child therefore often finds belonging through acting distinctively different than the first, as the first is naturally better at things because of their advanced age and physical development. This was partially true in Tony’s case, as Janis appeared to enjoy flaunting her position as the eldest, and at least in her early childhood convinced her father she was a well-behaved and accomplished child. Tony on the other hand showed immediate rebellious behavior, and found belonging through being as Junior described a “little hellion” who learned to fit in and get attention through misbehavior.

Adler made a strong point of emphasizing that birth order also had a psychological component to it, where the literal birth order may differ from the physical birth order. This can happen when the first born son usurps the first born female child and becomes the de facto leader of the children, as he comes from a culture that values males over women. This dynamic appeared to manifest itself in the Soprano household. In Tony’s case Janis, who enjoyed the power of being the first born but not the responsibility, in effect passed the torch of responsibility as the first born to Tony, who became responsible for the family as he entered into adulthood.

Range of Social Interest perceived through Other Particularities

Adler believed that the extent and degree that a person takes an interest in his or her fellow human beings was an excellent predictor of their mental health. Tony never developed this interest in others, and instead came to value others based on their personal usefulness to him. There are many examples of this in Tony’s life, one example being his relationship with Paulie, who fell out of Tony’s favor following a financial downturn in Season 4. Even in his dealings with Artie Bucco Tony often sizes up how Artie can be useful to him, and despite their imbalance of power Tony finds little ways to exploit this friendship for his personal gain.

Tony’s odd obsession with animals also demonstrates his inability to share emotions with other human beings, and again this behavior might have some its roots in the lack of love and support he received from his mother. Tony often projects feelings onto animals that he is unable to feel for human beings, and this trait shows how confusing and upset Tony gets when confronted by negative emotions.

Conclusion

In conclusion Tony Sopano’s life is one lived with little insight or mindfulness. This lack of insight has lead to an external locus of control where he views the bad things that happen to him as bad luck His statements “I can’t catch a break” and “I’m like king Midas in reverse” are example of this behavior, and these claims don’t jibe with the many, many fortuitous events in Tony’s life.

Tony also likes to present the idea that he is a “sad clown” but again the evidence in his life does not seem to support this. When Tony is angry or hurt he nearly always responds with physical violence, and occasionally with em0tional violence such as when he calls Melfi a “cunt” following her rebuke of his advances. The sad clown motif indicates the sense of pity Tony often feels for himself, and his general pessimistic attitude towards life.

Adler felt that by gaining insight into your behavior you could begin to understand the patterns and faulty thinking and logic that these patterns then created. Melfi, after many years has uncovered some of these patterns, but doesn’t seem to offer much assistance as to how to process this information. The result has been that Tony continues to repeat many of the patterns directly inherited from watching his parents, and despite his often empty promises to change his life, this is really not possible without going back to the beginning.

Adler referred to this idea as “soft” determinism, meaning a person’s patterns of behavior were firmly and deeply entrenched, and very, very difficult to change without a tremendous amount of insight. Although nearly dying was a kind of apotheosis for Tony, it is likely he will return to much of his former behavior as he falls back into these familiar patterns.

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Source by Joe Guse

MTX Jackhammer, the LARGEST Subwoofer Known to Man

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How large do you think the largest automotive subwoofer ever made is?  How about 22″ wide, and…get this….369lbs!  The sound this thing produces is bone-rattling, teeth-chattering, and heart pounding!  Everyone on your block will hear you coming a mile away.  Here’s what MTX says about it:

“Designed from the ground up to be the most massive subwoofer ever, JackHammer incorporates radical new technologies. It is even manufactured in MTX’s custom facility with a magnetizer constructed just for this woofer-a magnetizer that wipes out any credit card that dares come within 25 feet! JackHammer is the Biggest, Baddest, Boldest subwoofer…ever!” 

Billed as the subwoofer that “other woofers have nightmares about,” the MTX JackHammer is a 2-foot tall, 369-pound behemoth that makes you proud to be an American. This 22″ subwoofer handles 5,000 watts RMS (up to 10,000 watts peak), and features a 900-ounce (that’s a little over 56 pounds, folks) magnet and a 6.5″ voice coil. The JackHammer is set up for high SPL (Sound Pressure Level), but you can purchase an replacement cone assembly that allows you to switch quickly to Sound Quality performance (and you don’t have to remove the speaker from its enclosure to make the switch). There was a constant crowd around this woofer throughout the show, jaws open, staring in awe as the woofer cone moved in and out. Sometimes excess is a good thing!

The MTX Jackhammer is often used in sound pressure level competitions where the only objective is sheer loudness. In fact, one Jackhammer is capable of high enough sound pressure levels that people who are nearby are often wearing ear protection.  The Jackhammer is able to create sound pressure levels high enough to easily damage human hearing. It has been measured at well over 150 decibels, which is 30 decibels more than an airplane at takeoff.  The Jackhammer consumes much more power than the average electrical system of a car can provide, adding to its impracticality. It usually requires multiple powerful bridged amplifiers to drive it, and high quality wires are needed to carry the current to the speaker. Multiple large capacitors are also generally used. About four lead automobile batteries are required to power the amplifiers.  Between the subwoofer and everything needed to power it, the system weighs well over 500 pounds (230 kg).

From Business Week’s report from the Consumer Electronics Show: “Tricked-out cars are a growing phenomena, thanks in part to Pimp My Ride. The popular MTV’s reality show gives twenty-somethings a makeover for their old beaters, getting as much as $30,000 of new supersonic audio and video gear on a rigs worth less than $1,000. So it’s no surprise that a star of the show, Mad Mike, is signing autographs at the booth of MTX Audio, which makes car speakers, amplifiers, and subwoofers.

Mike is helping MTX push its JackHammer subwoofer, a 369-pound, 22-inch high throbbing hunk of sonic goodness. One recent Pimp My Ride episode featured Mike and crew putting the JackHammer in a 1986 Buick Regal. The crew added a flashing caution light on the center panel of the car that reads “Warning: Ridiculous Bass” whenever the stereo plays.

So does anyone really need that much bass? “Absolutely,” says MTX’s ever-dutiful spokeswoman Hilary Moore. “Everyone needs a JackHammer.” Since the $7,500 unit pumps out the equivalent of a dozen 12-inch subwoofers, Moore rationalizes that the JackHammer actually saves space

The Jackhammer is actually the name of a line of MTX subwoofers of common sizes, such as 10, 12 and 15 inches, as well as the 22 inch “monster.” However, even though the smaller models may be more common, MTX Jackhamer usually refers to the 22 inch model. For less confusion, “The Jackhammer” is often used to refer to the 22 inch model.  So, are you looking for something a little more…uh…reasonable?  Maybe a bit more practical? The MTX Jackhammer line includes a variety of top-quality speakers for your car.  MTX’s line of products can’t be beat.

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Source by Jon Waitneight

How to Detect If Someone Put a GPS Tracking Device on My Car?

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If you’re like many people, you may be wondering how to detect if someone has placed a GPS tracking device on your vehicle. GPS Tracking devices have gotten so small, they are commonly the size of a pack of cigarettes, and some are even as small as a quarter! With devices that small, they can be hard to detect, especially if you’ve got a large vehicle.

The first thing you need to know is that there are two different types GPS tracking devices:

GPS “Loggers”

A GPS Logger is a passive device, meaning that it doesn’t actively transmit your GPS location. This means whoever put a GPS logger on your car will have to place it on your car, and then retrieve it later in order to view the driving data, which is stored on the device. A popular example of this is the Sleuthgear iTrail GPS Logger, which is only 1.5″X1.5″ big.

GPS “Trackers”

A GPS Tracker is an active device, meaning that it actively transmits your location “live”, usually to a secure website, where the person who placed it there can view your location and driving information via a web browser or special program. Once they put it on there, they do not have to retrieve it, they can just view the information online. They will likely come back later though, because the battery life on active tracker is usually less than 30 days.

Here’s where knowing the difference between the two types of tracking devices is important. A GPS Logger (like the iTrail GPS) can only be detected manually – meaning you’ll have to physically search for it. The reason for this is because since they don’t actively transmit a signal (they just store data to the device), then a bug detector or bug sweeper won’t be able to pick up any kind of transmission or signal. If you suspect that you might have a GPS logger on your vehicle, the first place to look for it is UNDER THE VEHICLE. This is the most popular place to hide a GPS tracking device, and is accomplished by placing the device inside a magnetic case, which securely attaches to the metal on the underside of your vehicle. Other places to look are in the glove box, center console, and the truck (including under the spare tire).

If you suspect that you might have an active GPS Tracker on your car, a manual search is always the first step. Look under the vehicle, in the glove box, and in the trunk. These type of units are usually bigger than GPS Loggers because they need a bigger battery in order to actively transmit a signal. If you don’t have time to do a manual search, you’re in luck, because active GPS Trackers can be easily detected by a GPS Detector.

A GPS Detector is a handheld device that is usually battery powered that allows you to “sweep” your vehicle (or wherever else you want to locate a GPS Tracker) and will alert you when it detects a transmitting GPS signal that is sending out your location. There is an adjustable sensitivity knob that allows you to hone in on the exact location of the tracker, so you can remove it from your vehicle.

A GPS detection device will also detect cell phone signals, because cell phones are commonly used as makeshift GPS tracking devices, since owners of cell phones can often use a “locate” feature of their phone to find out where it is at.

So if you want to find out if someone has placed a GPS tracking device on your car, first conduct a manual search, and for a quicker and easier search, use a GPS Detector.

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Source by Jason Levine

5 Common Mistakes That Cause Truck Accidents

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Semi-truck accidents are almost always serious. They are larger and heavier than most other vehicles on the road, so they can do much more damage. For this reason, commercial truck drivers take on a huge responsibility every time they get behind the steering wheel of their truck, which is why it requires special training and certification.

Operating a 40 ton vehicle is not easy, and should be done with the utmost care and focus. But no matter how much training and experience a truck driver has under their belt, accidents do happen. Sometimes they are driver-error, and other times they are not. Continue reading to learn the top-five contributing factors to truck accidents so that you may better understand road and traffic safety.

Driver Fatigue

Driver fatigue is a common cause for truck accidents, and it is among the most dangerous as well. For this reason, federal regulations now limit the number of hours a truck driver can stay on the road at one time before stopping to rest. Unfortunately, these regulations are not enough to stop truck drivers from driving while fatigued. Many trucking companies still pay by the mile, so truckers will exhaust themselves beyond the point of safe driving in order to make more money.

Lack of Experience

Another common cause for truck accidents is simply inexperience. Experience makes a huge difference in the trucking industry. Truckers who have been driving for decades have “learned the ropes” through years of hands-on experience. Drivers new to the industry are still novices, and naïve to the true nature of the road when behind the wheel of a semi-truck.

Poor Truck Maintenance

Sometimes, semi-truck accidents are not all driver-error. In some cases, semi-truck manufacturers can produce a defective product, while other times, the trucking company itself may neglect their fleets by not providing proper routine truck maintenance. Fluid changes, inspections, tire service, brake service, and more are all important to ensure a truck performs safely and efficiently on the road.

Improper Loading

Another common cause of truck accidents is improper loading of cargo. It is vital for freights to be loaded and secured properly in order to prevent accidents and injuries. Improper loading can lead to shifting, uneven weight distribution, and more, all of which are common contributing factors of truck accidents.

Distracted Driving

Probably the most common cause for truck accidents, or any motor vehicle accident for that matter, is distracted driving. Especially now that most drivers are equipped with certain technologies, like cell phones and flat screen navigation systems, distracted driving is more common than ever before. As for truck drivers, distractions can take on many forms, including smoking, eating, reading, texting, tuning the radio, and more.

If you were injured in a truck accident, contact a personal injury law firm right away to learn your rights, Even if you are not experiencing pain, minor injuries can turn into major ones later on. Meet with an accident lawyer who can determine your rights to compensation.

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Source by Sarahbeth Kluzinski

The Advantages And Disadvantages Of 3rd Party Motor Insurance

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Insurance coverage is some of the best tools available when it comes to risk management. Understanding 3rd party car insurance is essential if you wish to learn about the pros and cons which go along with it. This article will talk about the definition of third party auto insurance as well as the pros and cons that come with it.

Understanding 3rd party car insurance

Third party auto insurance is also referred to as liability coverage. These terms are used to describe a kind of insurance which will pay out a certain settlement to 3rd parties if your vehicle should be involved in an accident. Many countries have laws in place which state that is the minimum quantity of insurance coverage that all car owners need to have. This is because 3rd party car insurance will pay for any and all damage to a third party’s property that is a direct result of any sort of accident involving your automobile.

Various insurance providers have different deals available with regards to 3rd party vehicle insurance. It is up to you to determine which package and just how much coverage will be the best choice. If you choose a low amount of coverage then you may find yourself in a situation where your insurance policy doesn’t cover all costs related to damage to a third party’s property. However, high coverage limitations can cost you a great deal more in monthly premiums.

The Pros Of Third Party Vehicle Insurance

The biggest pro of getting third party vehicle insurance coverage will be the proven fact that you would be financially protected in the event that you are liable to pay for damage inflicted to another’s property as a result of an accident. Your insurance company would settle the total amount owing. If you did not have third party insurance you would then be taken to court and would need to pay for all damage from your bank account. Many people don’t have this kind of cash readily available.

The Disadvantages Of Third Party Automobile Insurance coverage

There’s truly only one notable disadvantage or downside when it comes to third party insurance coverage. This is the fact that many car owners feel like they are paying for something they will never make use of. Actually, numerous car owners are lucky enough never to require this insurance coverage. However, one cannot know when something like a collision or car crash will happen and therefore, you always need to be prepared if you wish to safe guard your own financial situation. In the event that a separate 3rd party car insurance policy is working out to be too costly every month then you should consider shopping around for an umbrella policy. These policies are comprehensive and are made up of some different types of insurance policies but because of the fact that you are opting for a package deal, you’d benefit from a huge saving.

The advantages that come with 3rd party car insurance policies far outweigh any potential disadvantages.

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Source by Louie Dale

Achey V Crete Carrier Corporation – Sleep Apnea And Pennsylvania Trucking Litigation

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A trucking company cannot be held liable for punitive damages because it knew of a driver’s history of sleep apnea. The Court granted motion for summary judgment in Achey v. Crete Carrier Corporation, No. 07-cv-3592 (E.D.Pa., Decision of March 30, 2009 – Eastern District Court of Pennsylvania). In Achey, Plaintiff sought punitive damages against the carrier based upon alleged negligent/reckless entrustment. Plaintiff based the claim upon the continued employment of a driver who was diagnosed with sleep apnea. The driver testified that he had been diagnosed with sleep apnea in 1992, but denied any noticeable effect on his driving ability. He further testified that he underwent surgery for the condition in 1992, but felt no difference in his level of fatigue.

It was “hotly disputed” whether the driver had sleep apnea as of the time of the accident. The Court held, however, that even if he did and if fatigue and drowsiness was a symptom of sleep apnea (which the Court found it was not according to The Merck Manual), the Court could not find any evidence that the driver ever suffered from the symptoms of fatigue or drowsiness as a result of the alleged sleep apnea condition. The Court stated that merely because the driver suffered some snoring as a result of sleep apnea, and at some point experienced drowsiness does not mean the drowsiness was because of the sleep apnea condition.

The Court noted that Plaintiff had not presented an expert who linked the sleep apnea to the drowsiness. Absent expert testimony, the Court would not make the leap to connect the two. Plaintiff had attempted to use its transportation safety expert to make the connection. That expert opined that cumulative fatigue and sleep apnea of the driver were contributing causes of the accident. A motion in limine was filed challenging the transportation expert’s qualification for such opinions. In response to the motion in limine, Plaintiff agreed to withdraw his opinions on sleep apnea and/or cumulative fatigue and whether either factor contributed to the accident.

Absent any qualified expert opinion on this issue, Plaintiff’s claim failed and summary judgment was granted. Plaintiff further asserted a claim for punitive damages based upon the carrier’s alleged awareness of the driver’s risk for falling asleep at the wheel based upon his record. The Court granted the motion for summary judgment based upon the lack of any evidence that carrier had a conscious appreciation of the risk. The Court noted that the driver had been deemed medically qualified by his successive DOT physicals. While there was a reported of history of sleep apnea that was treated, there was no evidence that the carrier knew or should have known that the driver might fall asleep at the wheel.

Plaintiff next tried to make the nexus by arguing that violations on the drivers operating record should have alerted the carrier. The Court again rejected the violations as evidence of the carrier’s conscious appreciation of the risk of the driver experiencing fatigue behind the wheel. It was argued, and the Court noted, that there was no evidence of any violation of the hours-of service regulations by the driver with regard to this accident. Accordingly the Court granted motion for summary judgment.

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Source by Douglas Marcello, Esq.