How to Properly Insure Your Concrete Pumps

The business of concrete pumping comes with many challenges, one of them is being adequately insured when something goes wrong. Many concrete pumping companies have pumps and assume they’re automatically insured under their general liability policy, unfortunately they are not.

Trailer concrete pumps should be insured under what is called an inland marine floater. This type of insurance policy provides comprehensive coverage for your pump, insuring it from perils such as theft, vandalism, and damage you may cause it in the event of a car accident. This is similar to the coverage you may have on your car.

Just like any other trailer, liability coverage is automatically extended from the vehicle to the trailer it’s towing. For example: If your trailer sideswipes another vehicle, your auto policy will provide liability coverage to repair the vehicle you damaged. Repairs will only be provided up to your policy limits. Keep in mind if the auto policy your truck has does not include business coverage the insurance company will most likely deny your claim. Make sure you have a proper commercial auto policy before you tow anything for business use.

What about concrete pumps you can drive, how are they insured? Because these type of pumps are self-propelled they would need to be insured under a standard commercial auto policy. Make sure to mention any custom equipment you have to your agent. Just like on any auto policy custom equipment should be stated as such and endorsed into the coverage limits. Custom equipment can include any aftermarket stereo systems, hose reels, ladder racks, etc.

Always provide the replacement cost you’d like if your pump is stolen and ask for it to be stated in your policy. This way you’ll be sure you have enough to replace the pump in the event of a loss. Some carriers provide the actual cash value for your pumps unless otherwise requested. This means you’ll get the replacement cost minus depreciation to compensate you on your pump. Actual cash value may not be enough for you to buy another pump if yours is damaged, this option is not recommended.

Always consult your insurance agent before making any final decisions on your insurance policy. Each concrete pump is different and may have specific needs. Keep these points in mind when shopping for your insurance policy and you’ll be well on your way to protecting your business in the event of a loss.

How to Settle a Lemon Law Claim – With or Without a Lawyer?

It can be a very depressing if you have to take your expensive vehicle for repairs, again and again. Often, even the manufacturers or dealers will not give you the complete service satisfaction, during the warranty period. This is where the state Lemon Law comes to your rescue. Luckily, most of the states have laws that protect the consumers.

Though these laws are contained in the legal code of the state, it can be quite a tiresome job to go though the process, and make a claim under the lemon law. However, you can find guides and tips online, which simplified for easy understanding. Such information can help you file a complaint for refund or replacement. You can do it all by yourself, but with an effort.

What are the problems of handling the case without a lawyer?

Sometimes, it is not possible to reach a solution, especially with the tactics of manufacturers or dealers, who always try to prolong the case. What you need here is assistance from a trusted lawyer, who specializes in the state lemon law.

When you try to handle the case with the little knowledge from the guides, you end up losing the case or getting lesser money, than what an experienced lawyer can get for you. He knows the law thoroughly, and will have already handled many cases like yours. Seeking the help from a lemon law lawyer is the fastest way to resolve the case.

What to look for in your lawyer?

You can look for a law firm with a good track record of handling consumer cases, particularly related to vehicles. Lemon laws are not taught at law schools. It is only by handling many cases that the lawyers become proficient in the field. Without proper legal aid, your claim may simply get prolonged.

If a lawyer wants to take a percentage from your claim, then he might not be the right choice. The refund is rightfully yours, and if he asks for a cut in it, then he is just trying to extract more from you.

As per the law, it is manufacturer who is liable to pay the lawyer, and not the claimant. So, you have the advantage of getting the help of an attorney for free, since most of the experienced lawyers do not take any fee from the claimant. They claim their fees from the manufacturer or dealers.

Make sure you find a lawyer who is willing to study your case in detail before giving his opinion. He has to be a partner in your fight for justice, and help you get rid of the lemon vehicle, and get you the rightful refund, or a replacement.

Car Donation Services

If you are looking for a way to get ride of an old vehicle, you may want to consider a car donation. To donate a car, you simply have to contact a car donation services and they take care of everything else. Thus, donating your car to charity rather than selling it is more convenient and fast. Moreover, you help those who are in need of assistance when you donate your car and benefit from it through tax benefits in return. The IRS allows a deduction to your taxes payable equivalent to the proceeds from your car donation.

Before you donate your car to charity you will probably want to know how much will your tax deduction be. The amount of your car donation tax deduction is covered by the 2005 revised federal tax legislation on car donations. This legislation describes two possible amounts for your car donation tax deduction-the gross sales amount and the fair market value of your car.

Car donation services usually either refurbish donated cars first or sell them as is at auctions where the true fair market values ​​of the cars are considered. So if the cars were donated to them at a bloated fair market value, the amount that the car was sold for did not match this bloated value the 2005 car donation tax legislation revision corrects this error by allowing only the gross sales amount of the donated cars as the donor's tax deduction.

Car donation services do not always sell donated cars. They may either use the car for their charitable causes or assign the car to a needy family or individual. If the donated car is used this way by the car donation services, the revised car donation tax legislation allows that the fair market value of the car is used as the donor's tax deduction.

The legislation however, still allows that the fair market value of the donated car be used as the donor's tax deduction provided that they meet certain conditions and paperwork. The fair market value of a car donation is the amount used for the donor's tax deduction. However, the IRS found out that tied were claiming fair market values ​​of donated cars based on the make and the model without considering the car's condition. Since the fair market value is the amount agreed upon by the donor and the car donation services, the trust usually considered the book value of the car as the fair market value without taking account of depreciation and the needed refurbishing.

The necessary paperwork that the IRS needs for the fair market value tax deduction is an acknowledgment receipt issued by the car donation services. This paper must state that the car is used directly for their charitable causes, the donor's tax identification number or social security number and the car's identification number. Moreover, the IRS may also require that the document contain a phrase restricting the donated car to charitable uses only and not to any future sale.

Donating a car and reducing your taxes is very convenient and easy. There are already numerous car donation services online. All you have to do is: call their toll-free number, fill out the application form, and wait for your car to be picked up but before that, you may want to check for a 501 (c) (3) charity organization classification . This way you can be sure that your donation goes to charity and be assured that your car donation tax deduction is valid.

Benefits of Having Dental Insurance

Many people do not think of their teeth as something that can affect their overall health. The truth is, it can. It is for this reason that many dentist recommend that a person gets an oral exam at least every six months. During an oral exam, a dentist will determine what dental work, if any, needs to be completed to ensure proper dental health. These regular oral exams and subsequent visits that may be needed to get dental work completed can be draining on the finances. Having a insurance plan can help alleviate some of the financial burden.

People shy away from purchasing insurance because they see it as an additional expense they feel they can live without. The fact of the matter is it is indeed an added expense but people who shy away from it are not looking at the big picture. When comparing the amount of money spent on insurance and the patient’s portion of dental services with the money spent paying one hundred percent of the bill, the difference is significant. This goes to show that a person can save money in the long run with dental insurance.

Most dental insurance plans will completely pay for preventative maintenance care. This will typically include dental x-rays and two regular dental checkups. With an average cost of about one hundred fifty dollars just for the exam alone, this transforms into instant money savings. If during the regular dental exams the dentist determines there is further dental work to be done, dental insurance will cover that too but not completely as it is with preventative maintenance care.

On average, insurance will cover about eighty percent of most types of dental work that may be suggested by a dentist. Before the insurance covers this percentage, insurance policy holders will have to meet a specific deductible. This amount will vary among insurance providers. The deductible is paid directly to the dentist office at the time of service. Once the deductible is met, then subsequent services will be billed to the insurance company for the portion covered by the dental insurance policy.

There are dental procedures that are considered to be cosmetic because they will not affect dental health or overall health. An example of a cosmetic procedure is teeth whitening. Some dental insurance policies will cover cosmetic dental procedures at a much lower percentage than that of typical dental work. Some cosmetic procedures can be costly but with the coverage by a dental insurance policy, the cost savings are well worth the cost of the plan.

Dental health is extremely important although most people do not realize it. Having dental insurance will allow a person to keep in good oral health as well as save money doing so. Insurance can be an added expense but when a person looks at the big picture, dental insurance provides a large amount of savings. Each insurance plan is different and should be carefully examined before purchasing a plan.

Selling Water Damaged Car Laws

If you own a vehicle that has been damaged by water, you most likely are looking to get rid of it. You may be asking yourself though, how do you even sell a water damaged vehicle? Who would want to buy it? Assuming you have insurance, it should be quite easy for you to unload this damaged vehicle. In most cases, your insurance company will write you a check and the problem becomes solved.

The problem with a vehicle that has water damage is that the vehicle will break down much faster. It will also cost the new owner far more in repairs than they actually paid for the vehicle. You should know that before you try to sell a car that has been damaged by water privately, you will be required to get a flood title, which states that this vehicle has been damaged. 

In water damaged cars floor boards and dashes can get dry rot, the electrical system and engine will also have their own issues, This makes the vehicle less valuable less safe. It is not a wise decision to attempt to hide the reality of the damage to the vehicle, because with Carfax and similar programs, buyers can research any vehicle to find out any information on the car that wasn’t included.

Don’t let this information on selling these cars discourage you though, because some people actually seek out damaged vehicles because of their pricing.  Some people are more than happy to invest in fixing engine parts and replacing other parts if they deem it to be cost-effective for them.   The bottom line is this: It is not illegal to sell a water damaged vehicle, but it is illegal to lie about or attempt to cover up the extent of damage. If you are in doubt, contact your states DMV and inquire about selling a water damaged vehicle. If they can’t help you, chances are they will be able to direct you to someone who can answer your questions. Before selling your water damaged vehicle, keep in mind that honesty is the best policy. If you cannot sell your water damaged car, you can always donate it to a charity like Goodwill and get a nice tax write off for the charitable donation.

What You Need To Know When Choosing A DUI Defense Attorney

If you have been charged with drinking under the influence you are going to need a good attorney by your side. If you have never been in trouble with the law before you may not know the first thing about choosing a DUI defense attorney. Well here are some tips to help you choose the best.

Don’t Be Afraid To Ask Questions

Whether you are just a fraction over the limit of alcohol or you are a lot over the limit. If you have been caught drinking under the influence you are going to need representation. One of the first things that you should bear in mind is never be afraid to ask questions of any lawyer you are considering going with. There may be 101 questions going through your head and you shouldn’t worry that they may sound silly. A defense attorney will only be too willing to answer your questions and put your mind at rest.

Their Experience as A Defense Attorney

One of the first questions that you may want to ask any defense attorney that you are considering hiring is how long they have been practising. From here you will have an idea about how many years’ experience they have had.

Experience They Have In DUI Cases

Along with getting an idea as to how much experience they have you might also want to find out how much experience they have in dealing with DUI cases. Not all attorneys may specialise in DUI and you may not want to be the first case that they take on and “practice “on.

Find Out About Members Of The Team

Just because the person you speak to seems qualified in DUI don’t forget that more often than not there will be other members of the team working on the case. Therefore you might want to ask about other members who will be working on your case and make sure that they have experience in DUI cases too.

Be Totally Honest With the Attorney

One thing that you should always do is be totally honest with the attorney. If they are representing you trust is a big issue and you cannot start out by lying or withholding the truth from them. Also bear in mind that whatever you say to them should be safeguarded by attorney-client privileges.

Find Out Just How Much Representation Is Going To Cost

When taking on a DUI defense attorney you are going to want to know how much it is going to cost you. They should be able to give you an estimation and this estimation should include such as legal costs, experts, investigators and anything else related to your case.

Car Insurance Claim Procedure

Motor Vehicle Insurance is compulsory in India under Motor Vehicle Act 1988. Motor vehicle insurance is the insurance coverage of the risk of third party arising out the use of motor vehicle and also for covering the risk of damage caused to the vehicle. Indian people neither concern about Life Insurance Plan nor Medical Insurance plan but they are more concern on Motor Vehicle Insurance either they are driving a Scooter or a Bike or a Car or a Truck. It is mandatory otherwise if anyone injured without insurance vehicle, it will treated like a Crime.

Now days everyone have their own vehicle, roads are jam pack with vehicles, the risk is high so as a result, motor insurance companies are growing day by day and claims have also gone up. But many a time, the policyholders do not know exactly what they can do to get their Car Insurance Claim Procedure.

Here we are explaining the procedure how to claim on your car insurance policy. This will help you a lot.

How to claim on your Car Insurance Claim

We will understand this procedure in some scenario step by step so it will be very easy for us.

Claims for own-damage: If your car met with an accident, you should follow these steps to claim for damages:

  • Inform the insurance service provider – First and foremost you should inform to the insurer at the earliest and you have to submit a duly filled in claim form along with the required documents to the insurance company before you send the car to the garage for any repairs. The forms are available on insurance service provider’s websites. Most insurers follow strict guidelines and its mentioned in the policy documentation.
  • Lodge FIR – In some cases, First Information Report (FIR) is required so lodge FIR to the nearest police station for the safer side. Although it may not be mandatory for claim settlements but it is advisable to lodge an FIR. It depends on the condition.
  • Assess the damage – Once you inform to insurance service provider, they will appoint a surveyor who will assess / evaluate the damage of your vehicle. He will prepare a report and pass it on to the insurance company. You will also receive a copy and then you can move your car to the nearest network garage for repair.Note: If the damage is severe then surveyor will reach the spot of the accident at the earliest for survey.
  • Claim settlement – As soon as insurance company receives survey report, they will analyze the claim request and sends an approval to the garage. The garage will have to provide an estimated cost for the vehicle repair and timelines for the same. The insurer will be in touch with the network garage for an overall view of the extent of damage and the way in which the repair work is proceeding.

After the work is completed, you will have to take the duly signed bills and documents from the garage and submit them to surveyor. Surveyor will send it to the insurance company.

If all the documents are completed, the insurance provider will reimburse your bills. Keep in mind that there will be some compulsory deductible and variable deductible components, as stated in the policy document. Once your claim settled and your car is OK then you can drive again.

Car insurance claim process for a third party claim: -If you are responsible for an accident where a third-party suffers injuries or damage to property, here is what you need to do:

  • Inform to insurance service provider – First and foremost you should inform to your service provider at the earliest. Also remember not to make any financial commitments to third party.
  • Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.
  • Share policy document – You should mandatorily share a copy of your car insurance policy with the third-party, so that they can raise a claim on it.
  • Claim at Motor Tribunal – According to the Motor Vehicles Act 1988, third-party liability claims are raised at the Motor Accident Claims Tribunal (MACT). The claim can be raised by the third-party at the tribunal closest to his/her residence or yours.

After receiving all the documents, the insurance service provider will verify the documents and assess the accident and if found satisfactory, you will get a lawyer appointed by them.

If the court directs you to pay the damages to the third party thereafter, the insurance service company will directly pay the dues to the third party.

It is advisable to see if the situation can be settled amicably outside the tribunal.

Claims for theft: If you find that your car has been stolen then follow the below procedure.

  • Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.
  • Inform to insurance service provider – You should inform to your service provider at the earliest with a copy of FIR
  • Once you receive the final report from police station, make a copy of it and submit it to your insurance company. The insurance company will assign an investigator. Investigator will make the report and submit to insurance company. Once that is done, submit the RC book of your stolen car to the insurance company.
  • Submit the duplicate keys of the car and also a subrogation letter. You will also need to submit a notarized indemnity on a stamp paper also.
  • Once all the formalities are completed, the insurance company will disburse the claim.

It is very important for us to know about the formalities of car insurance claim procedure otherwise many people are paying from their pocket due to lack of these information. Now days the entire insurance service provider’s having a very good customer support network and their teams are skilled and co-operative also so you must communicate with your insurer whenever you need it.

I wish that you don’t need these procedures. I wish you will have a Safe Drive, someone is waiting for you.

How to Select a Patent Attorney

Could you use a little help protecting your invention? If so, an attorney skilled in patent law is your best bet.

As you can imagine, conveying your invention to someone who knows nothing about it will be difficult. Therefore, it is best if you are in direct contact with your patent attorney. You can meet in person and show the patent attorney any prototypes or drawings you may have to help illustrate your invention. As you can probably guess, the process will go more smoothly if you work with a patent attorney near you. Although it can be done, a long distance relationship will only strain the process.

Probably the best way to select a patent attorney in your city is through word of mouth. To help find referrals (and to associate with others who have interests similar to yours), you may want to join a local inventors club. You can also search through the USPTO’s list of registered patent attorneys or even just use their database to check your potential patent attorney’s credentials.

When you are seeking out a suitable patent attorney, you need to ask about their experience and background. Ask them what degrees they hold, the number of years they’ve spent writing and prosecuting patents, and the number of patents granted. Get references from previous clients and call them to ask about their experience with the patent attorney.

When selecting a patent attorney, it’s also important to find someone who specializes in the field your invention is related to. Patent attorneys are not equal in all areas. For starters, what is their degree(s) in? This is very important. Some patent attorneys will have a degree in engineering. Other patent attorneys will be skilled in the field of biology, others physics and yet others, computer science. You don’t want to take your newly invented cell line (yes you can patent such things) to a patent attorney with a background in electrical engineering. You would want a patent attorney with a background in biology to help you with this type of invention.

If you have a basic invention, going with a patent attorney with a general mechanical engineering background will probably save you some money. Specialized professionals usually charge more.

You want their background and your invention type to match as closely as possible. Writing patent applications is a bit of an art. Obviously, a patent attorney will come in handy to help you through the legalese, but there is also a great deal of knowledge and specific technical detail that must go along with it. This is why patent attorneys must have technical backgrounds.

PatentLawPortal.com maintains a growing directory of patent attorneys sorted by state and in some cases by city. There are many other patent related resources you may find helpful at the site as well. Please visit http://www.PatentLawPortal.com for more information.

How to Donate Your Old Car Through Charity Organizations

Almost all of us give charities in one form or the other and feel better every time we donate something. It does not necessarily have to be something huge; we often donate a few bucks, or sometimes even food, to help others. On the other hand, sometimes, we want to do something big for the needy people, and in some circumstances, we might even donate our cars.

If you are a resident of Seattle and plan to donate your car, you might be surprised to know that you are not the only one intending to do so. There are many people who donate their cars all over the US and make valuable donations to different charity organizations. Hence, donating a car even in Seattle is not that difficult. It can also be a two-way deal that benefits the receiver as well as the donor in one way or the other.

You can either donate a car just to help people commute easily, or you can gain profits by giving it as a charity. Charity organizations sell the donated cars and give the money to the poor people. Giving your car to a charity organization is an easy way to get rid of an unwanted car, parked at your garage, as well as to receive tax deduction.

Different charity organizations provide you with numerous facilities, which include picking the vehicle from your place. This facility saves you from the hassle as well as the expense of making the arrangements for getting the car dropped at the office of a charity organization. Many charity organizations also offer handling all the paper work, so that your time can be saved and the work can be done as soon as possible. These factors make the process of car donation so easy that you do not have to worry about anything at all; you can leave all the procedures to the charity organizations.

There are a lot of options available for giving charity; you can find out about the one that suits you the online, in case you are also looking for some benefit in return. You can get benefits in the form of tax deduction, which these charity organizations offer; so, choose the organization that offers a good deal. There is nothing wrong about getting some perks while you donate your car to a charity organization.

Before you donate your car in Seattle, make sure that you know about the options that are available. Charity organizations offer different deals, depending upon the condition of the car. If your car is in a good condition and needs only minor repairs, it would most likely be given to a family that needs a source of transportation for commuting.

If the car is totally ruined and is beyond repair, its parts will be sold separately in the market. The money generated from selling these parts will then be given to the needy people. It is also possible that the charity organization give your car to the seller and uses the money to help the poor people.

So, if you are seriously considering donating your car in Seattle, make sure that you are aware of all the factors involved. The most important thing is to make sure that all the transactions involved are legal and not a fraud in any way.

Top Ways to Save on Auto Insurance

When you get a car, you need to have auto insurance. It is important to get coverage that is comprehensive, but also inexpensive. While most people care a great deal about getting a good price when they first set out to get car insurance, they often fail to continue searching thereafter. Not continually looking for good deals can cost you hundreds each year.

Many people are unaware that the cost of your auto insurance can be lowered to help you save, depending on your driving record, your car, and where you are.

Increase Your Deductible

If you insurance the amount you pay for a deductible, it will reduce the cost of insurance fees. Now understand that this move is certainly one way to save on the costs month to month, but if you end up in a car accident, then yes it can end up costing you more to fix the damages.

However, if you have a history of being a safe driver, try it out and set some money aside for an emergency fund to cover unexpected car costs.

Try Carpooling

There are some insurance companies which actually track mileage, so the less you drive, the cheaper your coverage. With these policy types, if you drive less than 7,500 miles you get the lowest rate, and anything up to 13,000 is the medium rate.

Change Plans to What You Need

It is better for you to change plans to what you need, when you need them. Buying a brand new car is going to require different insurance compared to an older car. When you are paying off your car loan you will need collision and comprehensive coverage, but once it is paid off you have many more insurance options at your disposal.

You might end up with more collision insurance than you need. In fact, on older cars it is recommended that you drop collision insurance anyway because comprehensive coverage is comparable inexpensive and will give you all the coverage you need.

Combine Policies

If you have car insurance and renters/homeowners insurance through different companies, you might be able to combine your policy with one company and stack discounts.

Check for Discounts

If you have changed jobs, moved somewhere new, or anything else, keep track of your policy options. You might be able to get a cheaper policy in a new town or with a new job.

Check Your Credit

Your credit score has a small role to play in what your insurance costs are. So pay your bills on time and make sure you work hard to improve your credit score. As you are doing so, continually check to see if you now qualify for lower rates.

Other Discounts

As a student, good grades can earn you discounts. As an adult, see if you can take an adult driver safety program from better discounts. Consider avoiding a red colored car, as these come with higher insurance rates for users compared to other colors.