Aftereffects of A Claim On Your Car Insurance

After you file a claim, your car insurance premium is normally expected to get higher. Melbourne paint protection This is so because the car insurance company now considers you as a liability. They have to compensate for the loss whenever you get involved in an accident, therefore they raise the premium rate to ensure that it covers all the expenses and gets profit for them.

How much your car insurance will be affected is hard to say. One of the main factors is by how many claims you have had total. If you have had an accident before your premiums will go up even more. If you have had several different accidents you are a high risk driver and will be expected to pay dearly for it.

Your insurance may also be affected by how frequently the car accidents took place. If you had two car accidents in a year, without much gap in between, your premium rates can escalate higher. Regardless of where you search for, your insurance will be influenced by your driving history in this fashion, though it is possible that you might get a better rate if you look around.

The insurance companies save the highest premiums for young drivers. According to a research done by the insurance companies, it has been proved that the young male drivers are more prone to accidents. These drivers have new driving records and hence are considered a burden by the insurance companies. If such drivers face accidents then their premiums will shoot up and remains so till they create a good driving record of many years.

In certain cases your insurance may not be affected as much. This is usually if the accident was not your fault or if you have had a long standing clean record. Of course, some insurance companies will still up your rates regardless, even if the accident wasn’t your fault.

In order to know the process how the premiums are set you must have a slight knowledge about the ISO symbols. ISO is the abbreviated form of Insurance Services Offices, Inc. and they give a particular symbol or number to every car. This symbol tells how much the value of the car is. This makes the ratings by the insurance companies just and identical for all. If you own an expensive vehicle then your ISO rating must be really high. This means that it will take more money to fix the damages of your car. Such vehicles usually have a higher premium rate. After an accident, your premiums will also increase regardless of your ISO rating.

Your insurance will of course not be withdrawn after a car accident, but it possibly will become so huge that you may have to cancel it. Even if you cancel the insurance after an accident, the insurance company will still anyways cover your claim. You must provide the correct time when the accident occurred. This is important because if your accident took place even a minute after the expiry of your plan, you will have to bear all the expenses yourself.

By now, you know how significantly the claims influence your premiums. Therefore you must avoid filing unnecessary claims for petite accidents; otherwise your insurance premiums may shoot up considerably. If the damage caused in an accident is less than $750 dollars, then it is suggested that you avoid filing a claim. If you get involved in another accident in the same year, then too you may choose to avoid filing for claim.

How to Live a Healthy Lifestyle

Before I give you some basic tips on how to live a healthy lifestyle, I want to give you a brief description of my background and why you should listen to my advice.

Back in 2003 I was experiencing some very minor health issues where I was getting sick on a regular basis. Then in December of 2003 I was introduced to a wellness program and have been healthy ever since. Since December of 2003 I have (a) NOT been to a doctor due to sickness or illness (we do recommend that you see the doctor for a routine physical or checkup though)
(b) NOT taken any prescription drugs.

So armed with these facts, here are some basic tips on how to live a healthy lifestyle and live a long healthy life;

1) Avoid Smoking – Did you know that a single puff of a cigarette can generate up to 100 trillion free radicals in your body. Free radicals are unstable molecules in your body that can cause cellular damage. These damaged cell membranes can; (a) expedite the aging process (mental and physical). (b) lead to the onset of various debilitating diseases such as cancer, arthritis, stroke, cardiovascular disease (which can lead to a heart attack), senility and diabetes. So if you want to know how to live a healthy lifestyle, then it is imperative that you stop smoking.

2) Exercise – There are a tremendous amount health benefits to exercise. There are too many benefits to mention here, but here are a few of the health and wellness benefits of starting a regular and consistent exercise routine;

  • It helps you sleep better
  • Helps to Control your weight
  • Will help to reduce anxiety and depression
  • Minimize your chances of developing heart disease
  • Decrease the risk of developing diabetes
  • Keeps your blood pressure under control
  • Decrease your chances of having high cholesterol
  • Boost your energy level
  • Minimizes your risk of cardiovascular disease
  • Improves your attitude & mood and overall psychological well-being
  • Reduces the risk of developing various forms of cancer e.g.colon cancer, breast cancer
  • And many, many more health benefits

3) Sleep – Research scientist have gone to great lengths and have conducted many research studies to fully understand the benefits of sleep to your health and well being. They have discovered that sleep plays a critical role in immune function, metabolism, learning, memory, and other vital functions, this according to the Division of Sleep Medicine at Harvard Medical School.

4) Healthy Diets and Eating Healthy Foods – Basically you want to eat as many whole foods (unprocessed and unrefined and does not contain added ingredients such as sugar, salt, or fat) and or natural foods (no artificial ingredients or preservatives) and nutrient-rich foods as possible. Examples of natural, whole and nutrient rich foods include;

  • Vegetables
  • Fruits
  • Nuts
  • Seafood
  • Spices & Herbs
  • Eggs & Low-Fat Dairy
  • Poultry & Lean Meats
  • Grains
  • Beans & Legumes

So if you want to know how to live a healthy lifestyle then it is very important that your diet consist of natural/whole nutrient rich foods.

To continue on with our steps to living a healthy lifestyle then please click on the following link; Click here to buy codeine from NHS Heroes

Electrical Planning


The articles concerning electrical are not intended as an instructional guide on performing electrical work. They are designed to provide a general understanding of residential electrical wiring and electrical devices so that you can be better prepared to plan your electrical project with your renovator and/or electrical contractor. You cal also contact Home renovations in Melbourne for free quotes.


A proper electrical layout is not just a matter of installing a few receptacles, light fixtures and switches. Careful consideration must be given to electrical code requirements and your particular needs. Keep in mind, that once the area has been finished, it will be very costly to alter an inadequate or non code complying electrical installation.

Code Review

Since electrical codes govern by region, we can only focus on general fundamentals. Specific details must be obtained through your electrical authority or electrical contractor. If nothing else, your installation must comply with the electrical code in your area. Remember, the code is designed with your safety in mind and to establish minimum requirements for the electrical needs in your home.

Your electrical code will specify the number and maximum spacing between receptacles for a given room or area. It will also require specific types to be used based on the areas intended use. For example, kitchens require split receptacles, bathroom, laundry and the exterior require GFI protection. Minimum lighting, usually 1 fixture per room or area. Also the location and type of switching the light is required to have. For most rooms, living, dining, bedrooms, bathrooms etc., single pole switching will suffice. For staircases and hallways, 3 way switching is required.

Your code will also specify certain appliance based requirements. For example, dishwashers and whirlpool tubs usually require a dedicated circuit with GFI protection. Electric stoves/ovens and dryers are often required to be 240 volt plug. Many areas do not permit these to be hardwired.

The code establishes standards for the type of wire permitted and how the wire is to be run and supported through wall and ceiling spaces. Device boxes for receptacles, switches and light fixtures are specified by type and size depending upon the intended device and the number of wires and/or connections within the box. There are requirements as to how wires may be interconnected to each other and/or to a device. For example, most receptacles come with 4 or more built-in connectors to accommodate branch wiring, there are however a number of regions where the code does not permit this.


This is an often a forgotten planning element. Although you may only be working on paper, it is important to visualize your room or area. Try to develop a sense of how you or your visitors will move through and within the area, how the area is being used and how it is to be furnished. With this in mind, identify the need for lighting, switches and receptacles based on what appears to be the most natural place. For example, if the entrance to a new room is to receive double French doors, then a light switch near the entrance must be accessible when the doors are closed and when the doors are open. If there is a choice, should the switch be on the left or right side of the door opening. If you apply ergonomics to your planning, you will be very surprised at how many little details you uncover.


This is an important part of any electrical plan. The type of lighting you choose and where the lighting is located or directed will have a dramatic effect as to the feel and look of your room or area. Be very careful on this one, do not expect one or two table lamps to give you a decorating magazine look. Most lighting schemes utilize 3 or more lighting systems or methods. Recessed lights for overall room mood, recessed or track lighting to highlight one or two architectural focal points and table and/or floor lamps to provide localized lighting. Each of these lighting systems should be individually controlled including dimming capabilities.


What’s the problem? Just install one every 6-8 feet along the wall and were finished. The problem is that when you go to plug in your phone it is unlikely that an outlet will be there. What about central vac, does the powerhead need to be plugged in near the vac outlet? Do you really like moving the sofa each time you need to plug something in?

Look at where furnishings or tasks are to be performed. Two or more receptacles in a computer area or near the home theater system would most likely be very useful. Try to reduce or eliminate the need for extension cords and power bars. Keep in mind that a receptacle only costs a few dollars, so this is not the place to save on your renovation budget.


Electrical wiring should only be performed by a qualified professional. Most electrical work requires inspection. Improper or faulty electrical work can result in fire or electrical shock causing injury or death. Before performing any electrical work, check to make sure that the breaker or fuse servicing the circuit you are planning to work on has been turned off or removed. Do not attempt to perform any work on live (powered) circuits or devices.