Cheap flights and the three hour tarmac delay rule

In 2009, there was a remarkable incident at Minnesota's Rochdale International Airport when forty-seven people were held against their will on an airplane without properly working toilets for seven hours. During this time, they were in sight of the airport's buildings, but the airport staff refused to open a gate. This was the straw that broke the Department of Transport's back and it introduced the now popular three-hour rule. The intention is to force airlines and airport operators to treat passengers with basic decency.

If a US or foreign airplane on a domestic flight is held on the tarmac for more than two hours, the airline must provide adequate food and drinking water. If the delay is more than three hours, the airline must allow the passengers to leave the airplane. This timetable is shortened if there's a medical emergency or the toilets cease to work. Except, you can only leave the airplane at a formal gate. It's not safe or practical to have you jump or slide down on to the tarmac in the middle of the runway system. This puts significant pressure on the airport operator to make gates available as the time limit approaches. If the airlines breach the rules, there's a federal fine of up to $27,500 per passenger affected. As to international flights, all airlines must publish their rules about tarmac delays which cannot exceed four hours, and breach of these rules will also produce fines.

There are other issues addressed under the rules. For example, some take-off slots are at very congested times and, even a few minutes delay at the gate can mean the slot is lost and the flight must be rescheduled. If this happens consistently at one or more slot times, every flight will be treated as cancelled and the airlines fined for deceptive practices. Airlines must also nominate identified individuals to communicate with passengers on a timely basis, and cannot seek to exclude liability in the terms and conditions, particularly on cheap flights. There have been increases in the number of flights cancelled and the number of slots has been rationalized at some crowded airports. So this has represented an improvement both passengers on both full-price and cheap flights.

Quality Claims Puts Safety First

Quality Claims’ Safety Squad recently visited Kensington Fire Station 18 to thank them for their service and contributions to the community.  The Fire Department offered Quality Claims helpful tips on fire safety and prevention earlier this year.  As we embrace fire season here in San Diego, it is important to keep this advice in mind.

Company ratings and cheap auto insurance

With most insurance companies there are things that set them apart from other companies that may appear similar. It is also true that an insurance company is not necessarily a good one just because it claims to offer the lowest rates. You want cheap auto insurance from a reputable insurance company. And you can get that by reviewing a company's ratings. Many agencies, including JD Power and Associates, provide annual lists of the top insurance companies based on several factors.

Coverage Provided

Getting the coverage you need is important. You want sufficient coverage but you do not want to pay for coverage you do not need. An insurance company that always seems to be pushing an upgraded policy on you can be a nuisance. You want your insurance provider to provide information but leave the decision making up to you.

Premium Rates

The competitiveness of the rates is tied with the coverage that is provided. A cheaper auto insurance is not always a better insurance. Low rates are ideal but what you really want is the best value for your money. This means you have to consider the amount of coverage you are getting for the amount of money you spend. You should also take the deductible into consideration. A low rate is great but if your deductible is too high, you may face a financial hardship if you are involved in an accident.

Claims Processing

This factor focuses on the ease at which claims are processed as well as how long it takes for a claim to be approved. Insurance companies that make it easy to submit claims get ranked higher. Most insurance providers now have online claim processing centers. Not only is the claim process faster, but it is more convenient.

Value-Added Services

Complimentary services such as free roadside assistance or free rentals are important to many drivers. These services may not be offered by every insurance provider. Or, you may only get these benefits if you purchase a certain level of coverage.

Customer Service

You want to be able to speak to a company representative when needed. A company that provides 24-hour service may be ideal as long as representatives are knowledgeable and helpful. You might want a company that has a strong online presence with representatives ready to chat with you.

An insurance company's reputation will impact your insurance experience. You can still get cheap auto insurance that includes good coverage by reviewing a company's ratings. To review individual auto insurance companies, check out Standard and Poor's ratings.

Back to school season drive safely and you can keep your premiums down and your record point free

It's that time of year again, the time when we put away our summer toys and get back into the grove. Along with getting back into the grove children and young adults all over are getting back into school. This means you will have competition on the road during your morning commute.

School bus stops change from year to year depending on where the children live. Consequently bus drivers have to learn new routes with stop variations, and the children have to get used to the new schedule as well. When the stop and go stutter traffic of the school bus reduces your morning commute to an exercise in fortitude, keep your composure.

In many states, the bus driver has the right to issue you a summons if you pass the bus inappropriately. Understand, they are not out to get you. However, nationally thousands of school busses are passed, or cut off every day. Thousands of students are injured every year due to bus accidents. Moreover, on average 20 children die a year when they are entering or departing school buses because of careless drivers. Many school districts are placing cameras on the buses to record the information of people driving illegally around the school buses. The cameras are attached to the STOP arm actuated when the red blinking lights are put on. The cameras can identify and record a car up to 100 yards away.

Depending on the state you live you can be fined several hundred dollars, and or have your license suspended, and or spend several months to years in jail. For example in NJ, you will receive 5 points on your driving record, minimum of $100 fine and up to 15 days in jail or community service. In Virginia it can be up to 11 years imprisonment.

How it affects auto insurance?

There are things you can do to make the back to school transition period a bit easier. Get up a little earlier and leave plenty of time. If you are not rushed you are less likely to try to pass the bus as it is coming to a stop. Watch for children on the streets approaching the bus stops, and always defer to the directions of the crossing guard. You take the time to review your auto insurance policy to make sure you aren't overpaying on your premiums. Take the time to drive safely and you can keep your premiums down and your record point free.

Prepare for winter driving season and maintain your cheap car insurance

Winter Driving and Auto Insurance

Maintaining your car in good working condition year-round is one easy way you can keep your auto insurance quotes low. When a car is properly maintained, it works better on the road. This is especially important during the winter, when accidents tend to increase due to the climate changes. A poorly maintained car simply can't perform the way you need it to in severe conditions. There are a few simple things you can take care of to make sure your vehicle will be taking care of you come winter.

Minor Maintenance

Keeping your oil and other fluids clean and topped off is necessary to keep your engine working properly. You should also make sure your headlights, turn signals, brake lights and hazards are all working properly. Taking time out for an oil change is much cheaper than a broken engine, and changing the bulb in your brake lights is much cheaper than getting ticketed for a burned-out light. Remember that the outside temperatures have an impact on the air pressure inside your tires, so check your gauges as the seasons change. Tire treads, also, need to be capable of navigating safely through slush and snow, while retaining traction on slick roads. Don't forget to check the spare tire, too, and make sure your jack is easy to find and has all the necessary parts.

Get Tuned Up

Bring your car into your favorite mechanic's shop to have them check your battery and heater. Cold weather can affect your car's starting ability, and you need to make sure your battery is up to the challenge. You'll also need to make sure your defroster is working effectively. Also, since worn or aged rubber will crack in the cold weather, you should also replace any worn hoses or belts.

Upgrade As Needed

Finally, your car may need some modifications which are designed specifically for winter driving benefits. Wipers can be replaced with blades which are better at removing ice, or windshield fluids may be exchanged for a freeze-resistant formula. It's also a good idea to keep an emergency kit in your vehicle, especially during the winter months. Your paying a little care beforehand to make winter driving safer can play a favourable role in ensuring you get affordable car insurance.

How fraud affects car insurance quotes

Fraud, and its resulting increase in prices, threatens nearly every industry. This is especially true for all types of insurance. Car insurance providers lose millions of dollars on fraudulent claims every year. If you are looking for car insurance quotes, you should know how fraud affects the quoted rates so you can make an informed decision about policy selection.

Impact on Rates

While there are many factors that affect your rates, the one that often has absolutely nothing to do with you is fraud. When insurance companies lose money due to fraud, they pass on those losses to all customers through higher rates. Also, all drivers, including those who commit fraud, are required to have insurance. This means that some insurance provider must provide coverage to those drivers. It is likely that your own rates will increase as result because the insurance company will protect itself against possible claims from such drivers.

Reduce Impact of Fraud

There are several steps you can take to help lower insurance costs. Always notify the police if you are involved in a car accident. Having an official report of the incident can prevent fraudulent claims. Notify your insurance company immediately if you are asked to engage in fraudulent activity of any sort. Always be honest. Do not try to get cheaper rates by registering your vehicle in an area with lower rates or by not disclosing the names of everyone who will be driving your vehicle. Chances are you will be caught, and the cost of insurance becomes even higher for everyone.

Review Insurance Providers

If a particular insurance company has been in the news recently discussing fraudulent claims, you may want to avoid that company. Each insurance provider has to maintain their own financial health. This means that certain insurance companies are simply bad to deal with because they are not financially stable. You can get information on insurance companies from Standard and Poor's, including a financial snapshot, prior to purchasing a policy.

You can still use car insurance quotes to get lower rates. Car insurance quotes allow you to compare your options so you can take advantage of the best deal offered.

You just need to take a few extra steps to find the companies that have the best protection against fraudulent claims so you know you are getting the absolutely lowest rate on your insurance.

Looking online for free auto insurance quotes

In order to get car insurance in the past, you would have had to call an insurance company and speak to an agent about scheduling an appointment. Not only was this time consuming, but it was also a hassle if you decided not to buy a policy from that agent. They would continue to call you to get you to buy insurance through their company. Now you can get free auto insurance quotes online in two ways.

Insurance Provider Websites

A range of quotes can be obtained simply by visiting the websites of major insurance providers. It is recommended you get at least three quotes from separate providers to compare coverage and price options. This requires you to visit their individual websites and request quotes from each company. You then need to compare the offers made by each.

Although better than meeting with agents in person, this process is still cumbersome. It is also a rather inefficient way to spend your time. It takes time to visit each site. You will likely be required to submit different information to get the quotes. And the response time can vary by insurance company so you may not be able to immediately compare quotes.

Insurance Quote Comparison Tools on Reseller Sites

You can save time and money by using this type of site. At one site, you get quotes from as many as a dozen insurance companies. You provide general information such as gender, age, location, and type of vehicle to get started. Quotes are available 24-hours a day. And you get all quotes at the same time for immediate comparison.

When it comes to comparison sites, it is important you determine their legitimacy from the start. You should never have to pay to get quotes. Detailed personal information should only be requested by the insurance company whose quote you select. Never provide this data to the comparison site directly. Finally, if you do not recognize the insurance brands being offered, it is recommended you find another comparison site to use. Getting free auto insurance quotes is simple. There are several ways to get these quotes online at your convenience. You no longer have to worry about contacting an insurance company during business hours when you can get free auto insurance quotes online.

Cheap auto insurance for hybrid cars

Can you get cheap auto insurance for green cars? The answer is yes, but you have to look for it. Because more and more people are choosing to go green, the government is offering incentives to companies to go green, so there are more offers for green car insurance.

The initial cost of a car and the cost of repairs is what drive the cost of insurance. The higher the initial price the higher the premiums are. The higher the cost of repair or claims in accidents the higher the premiums are. It use to be that hybrid cars were very expensive and only offered in the luxury line; not anymore. While Toyota's groundbreaking Prius starts in the mid $30K's they now offer a hybrid Camry models, and smaller fuel efficient cars that are more like European inner city cars (Toyota Yaris). Honda has the economical Civic hybrid models, as well as it's little euro car called the Fit, then there are the Smart cars by Mercedes, with Scion, and Fiat to rounding off the close to 40 mpg or more mini car choices. The latter group is considered green because of its gas mileage and carbon footprint. Most models start out in the MSRP rage of $16K and up.

For insurance, this means they are economical to insure. If you check out the Insurance Institute for Highway Safety website (http://www.iihs.org/ratings/) you can look up the ratings for some of these cars. The information provided will let you know how the insurance industry rates the car for safety and how much they have paid out for repairs and injury claims. (This is under the heading Insurance losses.) Armed with this information you can choose the model that fits your style, budget, and within your insurance premium comfort range. Then ask about the Green car discount.

Many insurance companies offer a 10% discount for your green car. If you opt for middle to higher end model, say Accord, Prius or Lexus the 10% discount from the insurance company can come close to the difference in price for insuring the hybrid model over the standard model.

Going green can be a great thing for you and the planet. Be an educated consumer; use this site to let you compare cheap auto insurance quotes. Make sure to tell them you have a green car and ask if they offer the 10% green discount.

To save on homeowners insurance you need to know a few secrets

If you're like most people, your home is probably the largest asset you have, and you have a decent homeowners insurance policy for protecting that asset. However, your insurance premiums shouldn't come anywhere close to equaling your actual mortgage. If you think you're spending too much on your insurance policy, here are a few lesser-known tips which can help you save.

Quit Smoking

You might think this tip would only lower health insurance premiums, but it turns out that other insurance can be increased when you're a smoker as well. Many residential fires are started by cigarettes left burning, so it's no surprise that nonsmokers can get better homeowners insurance quotes than those who continue smoking. As an added bonus, quitting smoking might lower your health insurance premiums as well.

Pay Your Bills

Those with better credit scores will end up paying less on insurance premiums. This is because a person who makes financially sound decisions is generally considered to be a lower risk, since they are assumed to be more responsible and steady than those with lower credit scores. Pay your bills, pay them on time, and keep your credit card balances low for the best quotes on insurance for your home.

Adjust Your Policy

Raising your deductible is a pretty well-known trick to lowering your monthly premiums. This is a great strategy, but just remember it means you'll have to pay more out-of-pocket and upfront if you do ever need to file a claim. Keep money set aside which will be accessible in case there is a problem with your home.

Another adjustment you can make to your current policy is to insure the physical structure only, and not the surrounding acreage. Although your landscaping might be damaged by storms, fires or floods, it will repair itself over time. Your house won't. Make sure your policy will cover your physical home, and don't worry too much about adding coverage for the dirt where it's actually sitting.

These three tips alone can really help you save on your premiums. Remember too that it's a good idea to compare policies before purchasing any type of homeowners insurance, in order to make sure you're getting the right balance of coverage which is still budget-friendly.

Home Renovation Insurance

It is always such a marvelous feeling when you get to see or visit age-old homes that may somehow be counted on as historic that has been constructed years and years before. But of course, when it comes to restoring these kinds of homes, you would need a lot of money to restore it or to renovate it into something that is fresh and at the same time, would meet all the modern requirements that we need for everyday living.

And when it comes to the estimates of these kinds of homes, you would be surprised that the price that you would have to pay is very expensive that usual home insurance companies would refuse to cover and that is why there are companies that are specializing in home renovation insurance for this type of homes. Many home renovation insurance companies that understands your sentiments and your love for your pre-historic homes.These companies helps in restoring and renovating your wonderful home.

In a fast paced world such as today, there are different thing you have to consider when buying home insurance. To get optimum coverage, you have to know how much home insurance you should purchase The insurance policy that can protect everything you own, which you feel important. There are several home insurance online owner purchase policies you can compare to help you arrive at your optimum insurance coverage value. Homes that are rather old and in a poor condition will require an owner to pay a much costly insurance compared to a new and well-kept house. One good thing about home insurance though, is that your provider cannot deny coverage no matter how old or how badly maintained the house is.

Home insurance policies are required to rebuild a home the moment it is lost or destroyed. Consequently, if your house were rather expensive, the higher your insurance rate would be.

The type of construction materials used. Frame homes are going to require higher rates than the ones made of brick. Bricks are sturdy, so less damage is expected when calamities strike. On the other hand, frames don't provide as much sturdiness. In essence, more damage expected, more home purchase insurance premium collected. If your home is located in an area where hurricanes, storms, tornadoes, and hailstorms are frequent, the rate is higher. The same is true if there is a relatively high incidence of burglary in your area.

If you are thinking of renovating your homes, especially the ones that were considered to be historic or age-old, Internet that helps you in locating different companies that could help you with your home renovation insurance. You may visit visit those websites to see different kinds of companies that may cover your home renovation and restoration when you think that you need to upgrade the look of your home that would help you when it comes to the expenses.

One of the best things about these House restoration companies is that they understand your sentiments when it comes to regular home insurance companies that have high premiums for home renovation insurance. If you browse Internet for home renovation you will be amazed by the result.You will be linked to these wonderful home renovation insurance companies that could help you in upgrading the look of your historic home and share the same love with old-age homes. So do not worry if you think that your home would not achieve the look that you want, there are many home renovation insurance companies that could help you and visiting the website of Phouka Old House Restoration is the first step for you to have an amazing home.