Road rage and auto insurance

February 21, 2021

Aggressive driving can lead to accidents—and compromised coverage

Road rage incidents are not only dangerous, they are exempted from coverage by many auto insurance policies. Understand your risks and take precautionary measures to avoid being a victim—or a cause—of aggressive driving accidents.

Crowded highways and traffic backups at times cause drivers to lose control and become extremely aggressive. Road rage is a real problem that can lead to serious accidents or even incidents of violence on the road.

It’s important to realize that road rage is listed as an exemption in many auto insurance policies. This is because any damage or liability stemming from aggressive driving isn’t considered an accident but rather as having been caused by risky behavior.

Rather than risk paying the consequences of road rage—one of which may be not having your auto insurance claim paid—it’s best to avoid a dangerous and costly aggressive driving incident in the first place.

If you encounter an aggressive driver on the road…

Stay as far away as possible. Slow down or change lanes if need be, let the driver pass you and give yourself room at intersections to drive away.
Record a description of the car and note the license plate number if possible so that you can report him or her to the police for the sake of everyone’s safety.
Do not engage with or challenge the offender in any way. Ignore the driver’s rudeness and don’t give into the temptation to react in kind or you might escalate the risky behavior.
Put your safety first. If an aggressive driver starts to follow you, keep your doors locked, and head to the nearest police station. Never stop and confront an aggressive driver.

If you have a short fuse yourself stay cool and…

Leave plenty of time to get where you need to go. When you’re in a hurry, your patience is short and you are much more likely to become aggravated.
Remember other drivers are not annoying you on purpose. People make mistakes or they might be driving more slowly for a reason—they might be lost, or their sight might be impaired by sun glare.
Don’t use hand—or single finger—gestures other than a wave to someone who lets you into your lane.
Don’t tailgate slow drivers. Hanging on another car’s back bumper is dangerous. If the car in front of you has to stop short and you rear-end it, the accident would be considered your fault.
Don’t honk your horn insistently. Leaning on your horn is a bad practice. While it might make you feel better to express your frustration in a traffic jam, it won’t make anyone go any faster, it’s annoying to other drivers and passengers and it increases everyone’s stress level, which may lead to more aggressive behavior.
Never stop to confront another driver. It could lead to a dangerous situation for all concerned.

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Plastic Surgery Expectations vs. Reality: 5 Things to Know

There are many reasons why people choose to undergo plastic surgery. Some need to change their appearance, while others want to deal with a medical issue. Regardless of the reason why you choose to undergo plastic surgery, it’s important that you align your expectations with the reality of plastic surgery. This will, in turn, help you to prepare well for good results after your surgery. Below are 5 things that you must know before doing plastic surgery. Be wary of filters You need to think twice if you expect to look like an Instagram or Snapchat filter. The plastic surgery industry is seeing a lot of changes—thanks to the growth of social media, as well as the selfie culture among young people. Research conducted back in 2017 revealed that most plastic surgery patients desire to have a better appearance in selfie photos. Well, it is not wrong to desire to be camera confident. However, the most important thing is how you can achieve this state. Expecting to get that “filter” appearance after plastic in your photos is an unrealistic expectation—and you need to change your mindset. Your surgeon will rely on human skills to make you look better—not pixels and technology. Yes, your surgeon will make your jawline or nose look better—but this cannot match the famous social media filters. Do lots of research As said earlier, your plastic surgeon cannot give you social media filters—and if they said they’d do it, then they are lying to you. Thus, you need to search for a plastic surgeon who will be honest with you—especially when it comes to your surgery results. This shows the importance of researching before proceeding to your surgery. To get better results, you must choose a surgeon with maximum skill levels. Besides, you need to look for a plastic surgeon who’s honest with you, and one who puts your interests first. However, you need to be cautious, as this interest doesn’t mean that the surgeon is honest with you. Some surgeons will over exaggerate the pre and post-op pictures to lure their potential clients and create unrealistic expectations about plastic surgery. Therefore, you need to take your time and do lots of research if you want to undergo plastic surgery. Self-assessment is vital The Phoenix plastic surgery experts say that researching about your surgeon isn’t enough when contemplating on doing plastic surgery. Apart from pre- and post-op consultation, you also need to do self-evaluation. That means you should ask yourself why you need to do plastic surgery. Will the surgery fix some physical features that you’ve not been comfortable with? Do you think plastic surgery will give you a new and improved version of yourself? If that’s the case, then you are the ideal candidate for the surgery. But, do you need plastic surgery just to look like someone else? Or, do you want to keep up with the current trends of plastic surgery? If that’s the case, then you need to think twice. Besides your external appearance, you will also need to evaluate your mental health. Do you feel good about yourself, regardless of your perceived imperfections? Or, do you think that plastic surgery is your ultimate solution to finding internal happiness? If this is your case, then your plastic surgery expectations are very wrong. Thus, you must do a self-assessment if you want to make a choice that suits you the best. Take care of yourself Most people think that plastic surgery will give them their desired appearance. While this is very possible, you will need to work on maintaining your body after plastic surgery. There’s a common misconception among most plastic surgery patients—the results will last forever. However, you must note that your body will change with time. Thus, you must take good care of yourself for maximum results. With this, you will need to exercise, reduce your stress levels, and eat a healthy diet. These good practices will make you a good candidate for plastic surgery, and also allow you to maintain your results after the surgery. The insurance company will cover my procedure Do insurance companies cover plastic surgery procedures? Yes—but only procedure done for medical purposes. So, if you are expecting your insurance company to cover procedures done for aesthetic purposes, then you are mistaken. Besides, you must also note that not all insurance companies cover the full costs for plastic surgery procedures. Both individual circumstances and health plans do vary widely. So, if you think that your procedure might be covered, ensure that you consult with your insurance company and surgeon to confirm. These are the only parties that can confirm whether your procedure is covered by your current insurance plan. Besides, they will also tell you whether it’s fully or partially covered. All in all, you should never proceed to do plastic surgery, expecting your company to fully cover your procedure, and yet you haven’t confirmed that.
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The Best Healthcare, Biotech, and Pharmaceutical Stocks to Invest in Right Now

Everyone needs healthcare and, because we will always need it, this is a significant area of investment for those seeking opportunities. With companies increasing their spending and healthcare growing around the world, investors stand to make a great return on their investments if they invest in the right companies. There are different healthcare costs you could add to your portfolio but, instead of looking at all of them, we will look at general healthcare stocks, biotech stocks and pharmaceutical stocks. There is a lot happening in the latter two segments, with discoveries, increasing profits and continuous injections of cash, meaning these sectors will continue growing well into the future. Vertex Pharmaceuticals Vertex Pharmaceuticals manufacture drugs to treat cystic fibrosis and command a near-monopoly on the drug that treats the underlying cause. The company has invested heavily into cystic fibrosis medications, with a drug they are coming up with by combining two previous cystic fibrosis drugs projected to help the company expand its patient base by over 50%. The company also has several promising new cystic fibrosis drugs in the second phase of trials. Vertex Pharmaceuticals is also working on a partnership with CRISPR Therapeutics for the development of gene-editing therapies. These therapies will target blood diseases like sickle-cell anemia and beta-thalassemia. Finally, the company is also developing a drug that has shown promise in the treatment of type 1 diabetes. Vertex is a very profitable company already and with everything it has coming up, investors can expect their share price to keep growing. This is especially so considering that the company also has massive reserves that will help them in the development of new drugs and therapies in the future. AbbVie AbbVie develops a rheumatoid arthritis drug known as Humira besides several other drugs and therapies. Humira is their most profitable drug, bringing in over a billion dollars in annual revenue. Investors should note that the patent for Humira will expire in 2023, but the company seeks to have other profitable drugs in the market by then. AbbVie has two blood cancer treatments, Venclexta and Imbruvica, which are performing really well, and the company seeks to increase its profits through the sale of two new anti-inflammatory drugs. Investors will also be interested to know the company bought Allergan, a Botox manufacturer, and increased their profits by over 38% in 2020 because of it. AbbVie is also concluding 20 clinical trials that are already in the third phase while still pursuing approvals for additional drugs in their roster. Some of the promising drugs in phase 3 clinical tests include medications that treat migraines, Parkinson’s and myelofibrosis. The reason AbbVie is such a great investment is not only because of its impressive model and profitability but also because it has increased its dividend payouts for close to half a century. This makes it one of the best companies to invest in for those interested in dividend stocks. For further incentive, the company has increased its dividend payouts by 128% from 2015 to 2020. Power Financial Corporation Although Power Financial Corporation is not fully in the healthcare sector, its serious involvement in the sector warrants its addition to this list. The company offers various financial and health-related services in Asia, Europe, United States, and Canada. Its products include general health critical illness, disability, and life insurance. It also offers several wealth management wealth savings, retirement accounts, contribution plans, and other financial services. Power Financial Corporation has some of the best dividend stocks in Canada with a yield of over 5%, with the company having an annual turnover of over $23 billion. Its strength in both of the markets it is in and its healthy financial standing are the reasons why it is a great idea to invest in. To get started, you can talk to WealthSimple. WealthSimple facilitates smart and simple investments through their suite of investment tools and financial advice from experts with decades of experience in investing. You can use their WealthSimple invest tool to invest automatically every month in the best dividend stocks Canada, or their WealthSimple Trade tool if you would like more granular control of your investments. Intuitive Surgical If you are looking to invest in a promising biotech company, Intuitive Surgical is your best option. Intuitive Surgical is a robotics company that premiered its da Vinci robotic system in 1999. The robot has been used in over seven million successful procedures. The company’s prospects dipped in 2020 due to a reduction in the number of elective surgeries, but experts see this as a great opportunity for investors. The company’s stock has rebounded a bit, but it is still zigzagging with an upward trend as the pandemic passes. Once everything is back to normal, the company will resume its strong growth and the price will grow more than it is doing right now. Intuitive Surgical stocks are also valuable because their da Vinci system will be in high demand in the future as the population ages and more people require the types of surgical procedures that only this robot can perform. Exelixis Although Exelixis has four wildly successful drugs in the market, there is one drug that stands out: Cabometyx. Cabometyx has been approved to treat hepatocellular carcinoma and renal cell carcinoma, two of the most common types of liver and kidney cancers, respectively. Exelixis is working with other drug companies to combine Cabometyx with their drugs to ensure better outcomes for patients with liver or kidney cancer. Exelixis is highly profitable, which means it will use its massive cash stockpile to keep developing new drugs or to get into new license agreements that allow it to offer even more drugs to those who need them. Exelixis has also acquired several cancer drug programs from other companies. If this trend continues, investors who put their money in Exelixis’s stock should be happy they made the investment down the line. Teladoc Health As technology advances, more people need healthcare, and the ongoing shortage of nurses and physicians continues, >>Read more
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Why You Should Always Unplug Your Devices During a Thunderstorm – Tips To Protect Your Yourself

Thunderstorms have the ability to damage electrical equipment in your home, which can be very costly especially if you’re a tenant. During heavy storms where lightning strikes, power surges can occur. If a lightning bolt hits a power line, the results can be especially devastating, resulting in power outages and damages worth thousands of pounds. It is possible that lightning can even have an impact on your home devices, such as your computer. When a power line is hit, the sheer power of the burst of electricity could lead to damages to electric devices in households, which is why it is recommended to unplug your devices when you hear a storm outside. Lightning has an enormous amount of charge. It can strike with a tremendous force and cause a lot of damage. The National Weather Service reports that “a typical lightning flash is about 300 million Volts and about 30,000 Amps. In comparison, the household current is 120 Volts and 15 Amps. There is enough energy in a typical flash of lightning to light a 100-watt incandescent light bulb for about three months or the equivalent compact fluorescent bulb for about a year.” Tips on how to protect your contents from thunderstorms Lightning can be very dangerous and you should ensure that you and your family are safe, especially if you’re outside when a storm occurs. But there are some safety measures that apply even if you are indoors. Don’t use any electronics, with or without cords, including your phone Don’t use your phone, laptop or PC when there is a storm outside. Additionally, don’t use any devices that are connected to a cord. Since damages can be very severe and exposing yourself by using a device can be dangerous. In order to protect your devices, it can be a good idea to apply for tenants content insurance to stay safe if damages due to thunderstorms do occur. Stay away from windows Heavy storms can sometimes even cause windowpanes to shatter, which is why it is important to stay away from the windows during a storm and keep the curtains closed. Even showering can potentially be dangerous You never know where lightning is going to hit next, so try to avoid using water in your home. The pipes that the water flows through can conduct lightning. Where should you take shelter during a thunderstorm? Get inside if you can whenever a thunderstorm is brewing, but don’t stand or sit underneath trees. Lightning tends to hit the highest target, so if you aren’t able to take shelter, go into a squatting position away from a tree and place your head in between your knees, while wrapping your arms around them. Also, stay away from metal objects that can conduct lightning. This includes bicycles and motorcycles. According to an article by NBC12, a car can be a good place to take shelter if a sturdy building isn’t nearby. “When thunder roars and lightning cracks across the sky, there are two safe places to seek shelter: inside a sturdy building or inside a hard-topped car”, the news website reports. “Cars are safe from lightning because of the metal cage surrounding the people inside the vehicle. This may sound counter-intuitive because metal is a good conductor of electricity, but the metal cage of a car directs the lightning charge around the vehicle occupants and safely into the ground. The car essentially becomes a Faraday cage and protects anyone inside.” There are several accidents that happen each year as a result of thunderstorms. By staying safe you can avoid dangerous situations from occurring.
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Points to keep in mind while hiring an SEO agency

SEO means Search Engine Optimization. SEO Agencies like Scott Keever SEO Cincinnati help you to increase your business. They generate leads for your company. They allow you to improve your sales, store visits, and phone calls through search. Points to Consider While Hiring SEO Professionals Cost: You should set a marketing budget before looking for marketing professionals. This way, you will not overspend on these professionals. Once the budget is set, short-list professionals’ names and see that you do not overpay. It would be best if you studied the average cost of all SEO Companies in your area. Most of the SEO Companies charge per month. Some of them charge per hour also. Per hour costs you more. So it is better to go for a long term contract. Reputation: Before hiring an SEO professional, you should check the reputation of the company. Some unprofessional agencies make false promises. They might be careless in their execution of the job. They might even charge you more. It is easier to find reputed SEO companies. Search for SEO companies in your area with high star ratings. You can even check the reviews on Google. Read all the reviews of the company very carefully. Then you can short-list the companies as per your need. Experience: It is the most important factor. Experience does not mean the number of years they have put in this business. But you should check the number of clients they are handling. Experienced professionals know exactly how to generate leads for their clients. They also handle their purchases, store visits, etc. Google upgrades its algorithm every year at least 500 to 600 times. Changes happen on a daily basis. SEO Agencies keep up with these changes. Promises: To bring in more visibility, SEO Agencies work to precision with the search engine. Ranking depends wholly on the search engine. Marketers can influence only one aspect of the equation. Some agencies may falsely promise you the first-page ranking within a short time. SEO Agencies need to take effort and time. It is difficult to tell you how long it will take for a website to give you top-ranking. Never hire an Agency that offers you concrete promises. Select an agency that provides you a strong strategy depending on your needs. Authority: Select a professional SEO for your marketing out of those visible online. Successful SEO Agencies take an active part in the business. They take part in discussions. They attend all the conferences. They publish the proper contents. It is always better to check an agency’s publication profile to choose the best agency. Look for professionals who have posted on websites. Websites such as INC, Search Engine Land, Search Engine General and Entrepreneur. They always upgrade the latest search on these topics. They also come up with new strategies and fresh insights. Communication: If you have a website, you need a marketing partner, i.e., SEO experts who will communicate well with you. During the consultation, they should be honest and open. They should be honest with their pricing and quotes. They should respond quickly to all the correspondence. They should have a dedicated contact person or an account manager. They should provide regular reports on active campaigns. They should have many modes to communicate like emails, phones, social media, chat-box. This good communication reduces your stress. Maintenance: According to customers’ demands, these search engines keep changing. SEO Agencies should make these changes frequently. This will keep your website on high ranking. Before hiring an SEO Agency, always check the maintenance packages they provide. They should be able to maintain your rank on the website.
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Financial Aid Options; Installment Loans Online for Running a Restaurant

Do you own a restaurant or are thinking of opening one up? Restaurants can be an incredibly lucrative source of income. They can bring you money and fame in a very short while. Though is it easy to open and maintain a running restaurant business? Well, nothing in this world is easy. A restaurant has its own set of challenges that can very easily throw you off-track if you are not careful. Making sure your restaurant delivers the perfect service, food and experience might require you to regularly invest capital in it. Though it’s not always possible to be able to do this as every business has its ups and downs. So we suggest that online installment loans would be the best option when it comes to receiving trusted financial aid. Let’s have a look at a few reasons to support this claim. Installment Loans Online Gives Quick Money for Upkeep The upkeep of a restaurant here refers to repairs, bills, and running costs. If you ever need emergency money for one of these matters then you would require a loan that can get you the money in an instant. Once you go through the working of different kinds of loans then the information about installment loans online would make you select this loan in an instant. The companies providing this loan can get you the money in your account in 24 hours’ time. This is a lot faster than banks who take almost 2 weeks to go through the whole process. The reputation of a restaurant can very quickly go down so if anything needs to be replaced or looked after with some funds then it has to be done quickly. Zero Harassment It’s almost close to harassment to ask for a mortgage in exchange for loan money at a time of emergency. Some banks and companies actually take part in such activities that are looked down upon. It was no surprise that a lot of restaurant owners have left going to such places for loans and simply approach companies offering online installment loans. So if you ever need instant cash for something at your restaurant, you should waste no time and apply for it without a worry. You can borrow small It is very well known that a lot of loan institutions do not give out small loans as it does not give them enough profit in the long run. Though this isn’t the case with every company. Companies offering online installment loans understand that even something that doesn’t cost much can be important, especially in the restaurant business. You can practically take a $150 loan and get the loaned money in your account within 24 hours, something that you cannot do with the other companies. Bad credit There’s a good chance that you have faced or are facing a bad credit score. Most companies and banks do not provide loans to people with a bad credit score so if your credit score is not up to the mark then you shouldn’t really try approaching banks and orthodox companies. On the other hand, when you apply for an online installment loan, you are put in touch with a private lender who doesn’t always refer to the credit score to approve your loan. So your chances of getting a loan are much much higher this way. Knowing what type of financial aid is best for your business at the time of cruises can be a deciding factor for the future. These aforementioned points will bring some clarity on the issue and will guide you in the right direction for your restaurant.
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Road rage and auto insurance

Aggressive driving can lead to accidents—and compromised coverage

If you encounter an aggressive driver on the road…

If you have a short fuse yourself stay cool and…

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