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Arizona BabeDoll

DESERT SAND STORMS CAN BE HAZARDOUS TO TRAFFIC
ADOT'S SAFE DRIVING TIPS

  • Do not drive into a sand storm if you can safely avoid it.
  • Turn on your headlights. Slow down to a safe speed.
  • If visibility drops and you need to pull off the road, get as far right as possible. Turn off the car and headlights, and keep your foot OFF the brake pedal – other drivers may think your vehicle is moving and "follow you".

    • Arizona Auto Insurance Almanac

    ARIZONA AUTO INSURANCE INFORMATION
    THIS WEEK'S TOPIC: AUTO THEFT

    Auto theft is usually covered under the comprehensive section of your auto insurance policy. Coverage applies not only to the loss of the vehicle or parts of the car such as hubcaps and radios. Comprehensive coverage also pays for fire, intentional vandalism and weather-related damage including damage from hail, earthquakes, and flood. Rates for comprehensive are influenced by the strength of risk, i.e. the calculated chance that an insured vehicle will be stolen or damaged, and of course taking into account the car’s blue book value. The dollar amount of comprehensive claims have been increasing, because of the ever increasing price tag for new cars, the value of cars that are frequent targets and the cost of related bodywork, including replacing stolen components.

    Advice from Service Arizona MVD
    Drivers license name change?

    You are required by law to notify MVD of a name or address change within 10 days. MVD is required to verify your Social Security Number before your record can be updated, so you must first contact the Social Security Administration online or at 800-772-1213 for information on how to change your name on their records. After you change your name with the SSA, wait two days for their computer system to be updated. You should then visit an MVD office to present identification in both your new and previous names. This must be an original or certified copy (must be certified by the issuing agency) of one of the following: Marriage Certificate/License, Divorce Decree, Certificate of Citizenship/ Naturalization or a court order.


    CONSUMER TIPS ABOUT AUTOMOBILE INSURANCE

        When making an automobile insurance purchase, consumers should know that some policies may make a Household (or Family) Exclusion, which limits bodily injury liability to family members or other household residents who might be injured as a result of the negligence of another named insured. Arizona law permits insurance companies to enact this Exclusion which limits coverage to $15k per person and $30k per occurrence, despite the amount of liability coverage otherwise purchased under the policy. Consumers have the option of purchasing additional coverage to insure that their family members or other household residents are covered for bodily injury to the amount they need.
        Consumers should also be aware that some companies in determining eligibility may obtain and evaluate your credit history. The Consumer Guide To Understanding How Insurers Use Credit Information is provided by the Arizona Department Of Insurance. Most insurers will also check your "loss history" to see if you have filed claims for other losses in the past. They typically use reports provided by such companies as the so-called ChoicePoint which researches the insurance industry supported Comprehensive Loss Underwriting Exchange (C.L.U.E.) which compiles data provided by other member insurance companies. This data is not rigorously checked for validity and is sometimes in error. Consumers who believe that the information on their C.L.U.E. (or similar report) is erroneous can take steps to correct it by contacting     ChoicePoint
    		 Driving in Arizona? https://www.hometownquotes.com/
    New rules allow 30-60 year old men to get $15 a month car insurance. See if you qualify. Enter your zip on the next page.
    * * * * * * * * * * *

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    Green Car (125x125)

    Flight Specific Banner 120x240

    ---------
    Adot's favorite subject: 'Vatsyayana' - a combination of Dharma, Artha, and Kama ... These three goals, known as the trivarga, or three-fold aims, are to be attempted in this life, according to ancient Hindu thought. All three are fairly complex concepts, but to express them simply - Dharma is the path of right action in accordance with the Holy Writ, of righteousness, of ethical principles. Artha is the pursuit of economic interests, the accumulation of wealth and material goods. Kama is the conscious enjoyment of sensual pleasures. Man must practice all three; each at the appropriate time and in such a manner that they may harmonize. Though Dharma is recognized as being superior to Artha, and that in turn to Kama, Vatsyayana enjoins the practice of all three for happiness, a nice balance between spiritual, material and sensual objectives. from this: ancient website

    Day of Deals - Father & Son (160x600)

    ADOT ARIZONA: Highway Cameras -- Traffic Conditions 24/7 -- Traffic Times

    Adot Central

    Your hub for all things adotish.


    The August 2009 Adot - Spotlight is on:

    BEST all around BUILDERS in BERKELEY
    EXPERT DESIGN AND CONSTRUCTION

    For all the late 2009 hurry-up-and-build-it-before-it-starts-to-rain-or-the next-economic-slowdown-occurs building and maintenance projects a'blooming in the hills of North Berkeley, Kensington, El Cerrito, Pietmont, and Montclair, homeowners take note that there are for the moment two fine yet underemployed carpenter-designer-builders in your neighborhood eager to find a complimentary autumn project near to their own home on Hilldale Avenue near Grizzly Peak. A boon to you, a boon to them. John Lionheart is a former union carpenter and licensed general contractor who worked for FEMA part time in in the 80's and 90's in far flung locations as a disaster housing inspector, and more recently locally as a residential property insurance adjuster. He is 59 years old. His hobbies are camping, hiking, building treehouses and creating webpages. In his spare time he is homeschooling his son and also helping start a non-profit called Einstein's Clubhouse.
    Barry Brock is a recent transplant from Massachusetts. He is a union carpenter also with contracting experience and top notch tools. Barry is 55 years old. He's popular with the ladies and quick with a joke and a laugh. Both are excellent finish carpenters, tile setters, and all around handy-type persons, who can wire a new circuit or replumb a bathroom if your project requires it. You can email both John and Barry or
    call: John at 510-910-0635 or: Barry at 510-499-3278


    WHAT ELSE IS ADOT?.. A dot, i.e. a singularity, a point in space and time. The little round black mark, like a period, that separates computer file names in a hierarchical or nested order. 'A.D.O.T.' is also an acronym for: the Arizona Department Of Transportation; the Alaska Department of Transportation; le Fédération des Associations pour le Don d'Organes et de Tissus Humains; a US military term: Active Duty Other Than Training; a couple technical terms: a Super Recording Automatic Digital Optical Tracker and Advanced Display Optimization Tools. Take your pick, this webpage has its hands full with its promise of being a hub for all things adotish. But this was not a task voluntarily chosen, oh no, greatness is sometimes thrust upon oneself, is it not? More definitions of a dot, a singularity: Wiki: "In mathematics, a singularity is in general a point at which a given mathematical object is not defined, or a point of an exceptional set where it fails to be well-behaved in some particular way, such as differentiability". Got that? Try this one: FreeDictionary: "the quality of being one of a kind; "that singularity distinguished him from all his companions" strangeness by virtue of being remarkable or unusual...?" Had enough? Here are more from google when we asked them to "define: a dot"


    this is the end of section one, and the begining of something else altogether not that much different

    CONSUMER TIPS ABOUT AUTOMOBILE INSURANCE

        When making an automobile insurance purchase, consumers should know that some policies may make a Household (or Family) Exclusion, which limits bodily injury liability to family members or other household residents who might be injured as a result of the negligence of another named insured. Arizona law permits insurance companies to enact this Exclusion which limits coverage to $15k per person and $30k per occurrence, despite the amount of liability coverage otherwise purchased under the policy. Consumers have the option of purchasing additional coverage to insure that their family members or other household residents are covered for bodily injury to the amount they need.
        Consumers should also be aware that some companies in determining eligibility may obtain and evaluate your credit history. The Consumer Guide To Understanding How Insurers Use Credit Information is provided by the Arizona Department Of Insurance. Most insurers will also check your "loss history" to see if you have filed claims for other losses in the past. They typically use reports provided by such companies as the so-called ChoicePoint which researches the insurance industry supported Comprehensive Loss Underwriting Exchange (C.L.U.E.) which compiles data provided by other member insurance companies. This data is not rigorously checked for validity and is sometimes in error. Consumers who believe that the information on their C.L.U.E. (or similar report) is erroneous can take steps to correct it by contacting     ChoicePoint
    AUTO INSURANCE EXPENDITURES, BY STATE - courtesy the Insurance Information Institute

    The table on the following pages shows estimated average expenditures for private passenger automobile insurance by state for 2002 to 2006, providing approximate measures of the relative cost of automobile insurance to consumers in each state. To calculate average expenditures the National Association of Insurance Commissioners assumes that all insured vehicles carry liability coverage but not necessarily collision or comprehensive coverage. The average expenditure measures what consumers actually spend for insurance on each vehicle. It does not equal the sum of liability, collision and comprehensive expenditures because not all policyholders purchase all three coverages.

    Expenditures are affected by the coverages purchased as well as other factors. In states where the economy is healthy, people are more likely to purchase new cars. Since new car owners are more likely to purchase physical damage coverages, these states will have a higher average expenditure. The NAIC notes that urban population, traffic density and per capita income have a significant impact on premiums. The latest report shows that high premium states tend also to be highly urban, with higher wage and price levels and greater traffic density. Tort liability and other auto laws, labor costs, liability coverage requirements, theft rates and other factors can also affect auto insurance prices.

    AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2005-2006

     
    2006      
    2005  
     

    State
    Liability
    Collision 
    Compre-
    hensive
    Average expenditure
    Rank (1)
    Average expenditure
    Rank (1)
    Average expenditure   percent change  2005-2006
    Alabama$367$318$135$68435$679370.7%
    Alaska5963811589551196811-1.3
    Arizona5073102319131492914-1.7
    Arkansas3872911616843469434-1.4
    California (2)48337611884316842190.2
    Colorado4532811887852382921-5.3
    Connecticut621335125981109939-1.2
    Delaware7062981111,02481,0288-0.3
    D.C.6104452611,16411,1871-2.0
    Florida7522871131,06951,06460.5
    Georgia42437216978822785240.4
    Hawaii54230911785315846180.8
    Idaho3392321255774858548-1.4
    Illinois4102961187402774328-0.4
    Indiana3612531116314365841-4.0
    Iowa2821991635365055550-3.6
    Kansas3002351985794758947-1.7
    Kentucky4842661327392875126-1.5
    Louisiana6603862091,09431,07851.5
    Maine3622701066344264442-1.6
    Maryland56432614694912948120.1
    Massachusetts6703271271,04261,1134-6.4
    Michigan4944151589251393113-0.6
    Minnesota4462241737532579223-4.9
    Mississippi43029416574626746270.0
    Missouri3792621466733668536-1.8
    Montana3992411976613768635-3.7
    Nebraska3272131895844661944-5.7
    Nevada6513441421,0069985102.1
    New Hampshire43530010979321792220.2
    New Jersey7473781601,15221,1852-2.8
    New Mexico45729216573729731300.8
    New York7303311531,08341,1253-3.7
    North Carolina3422511215964460246-1.0
    North Dakota2551962385305155551-4.4
    Ohio3822521046543967039-2.3
    Oklahoma3842711696593867838-2.9
    Oregon4832261037263073829-1.7
    Pennsylvania4993091258321885017-2.1
    Rhode Island6953771251,03871,0627-2.2
    South Carolina47125514975624754250.3
    South Dakota2962002025544956649-2.2
    Tennessee3632931236544065940-0.8
    Texas4543491758202085716-4.3
    Utah4242661207023170731-0.7
    Vermont3612981296873270032-1.8
    Virginia3952641186853370033-2.1
    Washington5432601278391784220-0.3
    West Virginia5102971808271985915-3.7
    Wisconsin3312041235904561545-4.1
    Wyoming3342612166394164043-0.2
    United States$489$308$140$817$831-1.7%
    (1) Ranked by average expenditure.
    (2) Preliminary.

    Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

    Source: © 2008 National Association of Insurance Commissioners.