How Does Car Insurance Work

Many of us know we have to have car insurance(or car insurance northern ireland) in order to get our license and tags. However there are some that don't really understand the actual policy or how it works to protect us. There are also different requirements for having a loan or lease on a vehicle rather than just owning it out right. Insurance companies ask a lot about our daily lives such as how we use the car, where we park it, and other aspects of driving to ascertain the risk we might pose to the vehicle they are covering.

Car insurance works in that we choose a level of coverage whether it is just liability or includes comprehensive and collision. There is also a choice in the amount of actual coverage regarding motorist, uninsured motorist, and medical. The amounts and type of coverage you choose is what will determine the premium you will pay on a month to month, six month, or yearly basis depending on the terms of your policy.

The amounts you have chosen and the type of coverage will tell the car insurance company how much they will have to pay out in the event of an accident caused by you or another driver. In other words they cover the damage that affects the car. For certain damage like windshields you will have a deductible that you have to meet in order to process a claim. If you have damage to your car from a break in, a rock thrown at the windshield, or an accident that you have been in you have to report the issue to the company in order to get a payout. The car company is going to ask for full details regarding the claim, the information from the accident claim, such as any ticket given to you and of course any damage to the other car if you caused the accident. They will ask that the car be taken to one of their mechanics that they have in their company logs. The mechanic is then going to report the amount of damage and how much it will cost to fix it. The car insurance will then take the quote and all information. In some cases they may consider the car totaled and will not offer any settlement towards fixing the car.
Article Source: http://www.articlesbase.com/finance-articles/how-does-car-insurance-work-315908.html

First Car Buying Tips

I don't know about you, but when I bought my first car I didn't have a lot of information to go on for the process. I admit I had two cars previously to the first car I bought, but those deals were made by my father. He was the man with the money and he was paying for the cars outright. So when I decided to trade in my car for a different model and a newer vehicle I needed a little help from those who had bought cars before. I didn't want to make a mistake and get an unfair deal from a dealership or private owner. The great thing was I had my parents to help me find the information I needed to purchase that car. I even had my mom come help me make the deal. It took us a little over five hours and closing the joint, but I walked away with one of the best deals on a 2000 vehicle that I could have for my financial state as well as my credit history.

Car Buying Tips

What you need to know about buying your first car is quite simple. First you need to know all about the car you are interested in buying. You need to know what that car would cost new, what the used retail price is for a dealership as well as a private sale, and what condition the car is in. You also need to know if it has any bells and whistles added on to it as that will affect the price. Kelly Blue Book and other consumer reports will allow you to find out all of the information you need for a general search. Armed with this information you can negotiate a fair price. If you have a trade in you should also know the value on that for trading it in to a dealer as opposed to selling it privately.

You also need to know about your credit history. You need to know where your credit scores stand. You also want to know where you will stand regarding the dealership score. The look at your FICO score as well as a risk score that they calculate. They are basically looking to see if you can afford the car you are interested in buying. If you don't have a credit history that is very lengthy you can expect any car loan to be offered a little higher than seems fair. They are just trying to establish your risk and since you don't have much of a history they consider you more of a risk.

Once you know both the car facts and the financial situation you are in you are ready to deal. You let the dealerships know that you have done your homework. Also let them know you are willing to walk away if the deal isn't to your specifications, not there. There are several tactics they can use like saying, "We have to make some profit," or "I work on commissions." You have to be in control not the other way around.
Article Source: http://www.articlesbase.com/automotive-articles/first-car-buying-tips-314790.html

Fashion Haircut styles: Angled Bob Hairstyle

Haircut styles presents Angled Bob Hairstyle

Angled Bob Hairstyle is one of the hottest trends in 2008, and the best thing about angled bob hair is that it can look amazing no matter what kind of face shape you have. Angled bob hair can be worn by anyone because there can be many different layers in the front so that this trendy hairstyle can be tailored to fit almost every face shape.



Angled Bob hairstyle can be worn in many different ways; this includes short with highlights, or even past the shoulders as long as it has that angled shape. Angled bob is longer in the front and start tapering and getting shorter in the back. To get this angled bob talk to your hair stylist and show him some pictures of the exact angled bob hairstyle you want to have. Then your hairdresser can complete your outlook by adjusting the hairstyle to your unique facial features.

The Wacky World of Car Insurance

Car insurance is a legal requirement in the UK, and indeed most of the world, and yet there are some drivers who don't believe it's necessary. Now the law allowing police to seize any uninsured car has come into force, the number of uninsured drivers on British roads has fallen.

Traditionally, cars are insured against fire, theft, vandalism, and other damage from a third party. It's not so well known, however, that cars are also insured against Third Potato and Act of Cow…

No, you didn't read that wrong! In recent years, car insurance claims have actually been filed for more unorthodox reasons such as potatoes making a bid for freedom and getting lodged behind brake pedals, and cows deciding that a car looked like a tasty snack and having a lick, damaging the paintwork in the process.

And these are just the more believable motor insurance claims. Pity the driver who had a claim made against them because their car door opened by itself when they drove round a bend, launching a frozen kebab at a passing car and causing untold damage. Or the driver who suddenly found himself with a frozen squirrel as a passenger – the chilly rodent had fallen out of a tree and crashed through the unfortunate person's windscreen.

So when you're shopping around for that cheap car insurance policy, don't forget to ask if you're covered for Potatoes, Kebabs and Bovine Damage too…

Phoenix Japanese tattoo

The Phoenix Its name comes from the Greek word for "red", the color of fire. According to the Greek historians Herodotus and Plutarch, it came originally from Ethiopia. For the ancient Egyptians, though, a heron was the first animal to land on the hill that rose out of the primordial ooze.

Japanese geisha

The Japanese geisha
In modern Japan, geishas have been transformed into symbols of traditional values. In the west, the geisha has become a symbol of the exotic grace and beauty of the East. In this tattoo design, the wind has ruffled her kimono and set some pieces of paper loose, perhaps from the sheaf tucked near her arm. The wind has also loosed some petals of cherry blossoms which are beginning to swirl past her. They echo the cherry blossom design of the lower part of her kimono while the upper part makes use of the chrysanthemum. Both flowers are frequently used in Japanese art and in Japanese tattoos.

Japanese Dragon

Japanese Dragon Entwined Around a Sword Tattoo Design by Greg James

Japanese Dragon Tattoo Design

Japanese Dragon Tattoo Design
This dragon has its mouth closed, in a less aggressive stance. It also clutches in one of his claws an object that is variously shown as a ball, a pearl, or a jewel. This item is essentially the closed-lotus form seen in various Buddhist designs including temples and grave markers

Japanese Backpiece Tattoo

The body of the dragon directly connects with the cherry blossoms and wind at the upper left. The clutched pearl of wisdom takes up a place of some prominence at the upper right, providing balance to the design. The lower body of the dragon tattoo now loops downward and to the left while the tale finally ends downward and to the right, somewhere on my upper thigh.

Japanese Backpiece Tattoo

The body of the dragon directly connects with the cherry blossoms and wind at the upper left. The clutched pearl of wisdom takes up a place of some prominence at the upper right, providing balance to the design. The lower body of the dragon tattoo now loops downward and to the left while the tale finally ends downward and to the right, somewhere on my upper thigh.

Traditional Japanese tattoo

Japanese tattoos are known for their full body styling, bold lines, historic patterns and traditional images. The techniques for tattooing that developed in Japan used hand tools, and it wasn’t until the mid 20th century that machines first came to Japanese tattooing.

Incredibly popular are the Tattoo Contests, which will be held in various categories such as black and grey, best small piece, best large piece etc., where visitors take part in an exciting competition in which art and fun are the real winners.

On September 21st to September 23rd of 2007, Starlight Tattoo will be accompanied by world famous tattoo artists at the Meadowlands Exposition Center! THIS IS THE ULTIMATE TATTOO EVENT OF THE YEAR! Covered by every trade magazine world wide! News & Radio coverage. Celebrity appearances! Vendors from clothes to tattoo supplies, piercing supplies, accessories, and merchandise. Doctors for laser tattoo removal, Seminars in Art-History and Law of Tattooing. Contests all weekend long! HENNA ARTISTS, T-Shirt designers, SOMETHING FOR EVERY BODY.

The Times reported that “The traditional show on the Tattoo” was very much in evidence as middle-aged rockers of both sexes mingled with a new, younger breed of heavy metal fans, but amid the throng of Motorhead and Anthrax T-shirts were dozens of stylishly dressed young women, many of them sporting large, but beautifully crafted, Oriental tattoos. The trend for bold statements rather than cute little hearts and butterflies appears to be growing as one in eight Britons are now estimated to carry this particular form of adornment.

Hori Toshi is one of the greatest hand tattooing masters of all times. So do not miss this rare opportunity to see this master working in traditional Japanese style on the East Coast! Japanese tattoo is called “irezumi” or “horimono” in Japanese.

In Japan, tattoo is usually considered to be a symbol of a yakuza and tends to be perceived negatively by people. For example, many public bath facilities in Japan inhibit customers who have tattoos from entering. Traditional Japanese tattoo covers arms, shoulders, and the back. In recent years, it’s becoming popular for Japanese young people to get contemporary tattoos.

source: http://www.wayfaring.info/2007/05/30/traditional-japanese-tattoo-show/

Online Car Insurance Quotes

If you are looking for car insurance, one of the fastest and best ways to get a great deal on insurance today is to get online and look for online car insurance quotes. There are so many car insurance companies out there, but long gone are the days that you have to go visit an insurance broker or call around trying to find a great rate. Instead, you can just get on your computer, and with a few clicks of the mouse you'll have what you need right on your screen. So, the following are a few of the best benefits that you can enjoy when you go online for your car insurance.

You Can Shop for

Car Insurance

at Home

One of the main benefits of checking out online car insurance quotes is that it gives you the ability to shop for car insurance at home. You'll save money on gas, which is a big consideration these days, and you won't spend your time driving from place to place looking for a decent quote. All you'll have to do is boot up your computer, get online, and start searching for the quotes you need.

The Quotes are Free and Instant

Another great benefit of going online for your car insurance needs is that the online car insurance quotes you'll get are free and instant. You won't have to pay a thing to get quotes, even from several different companies. As soon as you fill out their forms you'll get instant quotes, so you won't have to wait around wondering what they'll want to charge you. However, it is important that you always fill out these forms accurately or there may be a discrepancy with the quote you are given.

Quick Forms to Fill Out

The forms that you have to fill out online to go your online car insurance quotes are usually quick and easy to fill out. You won't have to worry about mountains of paperwork to complete; in fact, usually you can have the forms completed and submitted within about five minutes or so. So, going online for your car insurance quotes definitely makes it both quick and easy to get the car insurance quotes that you want and need.

Easy to Compare Rates

It is extremely easy to compare rates when you get online car insurance quotes as well. If you want to get the best deal on your car insurance, comparing rates is the best way to do so, and if you don't look online, it can take a lot of time to get and compare different rates for your car insurance. There are actually sites that will offer you multiple online car insurance quotes and show you which ones are the best deals for you, which is a huge help. So, if you want to compare the car insurance quotes to find the best deal, going online is definitely going to be the quickest and easiest way to do this.

You'll Save Money

Yet another benefit of going with online car insurance quotes is that you'll send money. Not only will you be easily able to compare rates to get a great deal, but many car insurance companies actually offer better rates to customers who get their insurance online. So, you'll be able to save money on car insurance, just by going online to get your quote.

As you can see, there are many great benefits to getting online car insurance quotes. They are easy to get, quick, and they'll help you save some money as well. So, if you are looking for a great deal on your car insurance, consider going online to get a quote today.
Article Source: http://www.articlesbase.com/finance-articles/online-car-insurance-quotesget-the-benefits-of-them-299335.html

EMO hairstyles: Average Emo Girl

EMO hairstyles presents Average Emo Girl

This time a little bit of topic, we're not gonna talk strictly about Emo Hairstyles, we'll try to present how does an average Emo Girl look like. From piercing to hairstyle, body shape, tattoos and fashion.


Emo Girls Build: Majority of Emo Girls are average looking when we talk about body shape; otherwise they are usually very cute! Anorexic or fat emo girls are minority but you can find few here and there. On average emo girl weighs around 110 to 120 lbs. Average height is around 5'5", but of course some emo girls are taller and some emo girls are shorter than 5'5".



Emo Girls Hair: Emo Girls usually prefer sporty emo-sceny hairstyles and are not so strict with hair as the emo boys are. There is a lot of razored hairstyles, fringes and mullets. Emo girls usually wear natural hair. Majority of emo girls are brunettes, followed by blondes and blacks after them redheads come. Sometimes emo girls wear headbands or bows but not to often.

Emo Girls Piercing: Emo girls like piercing much more than emo boys. Average emo girl usually has quite a few ear piercings, some of them on the cartilage, others on the earlobes or tragus. Lip rings are also popular, probably the same as nose studs, but you don't see a lot of this kind of piercing on an average emo girl, but remember, we talk about average emo girls, there are always exceptions!


Emo Girls Tattoos: The Tattoos are also popular with emo girls, but then again there is much more emo boys who prefer the tattoos. Emo girls usually put a tattoo on their shoulder. Not very often you see emo girl with a full sleeves or chest piece tattoos. Rarely you can also see a calf tattoo. Most common symbols are hearts, swallows, cobwebs, etc.

Emo Girls Clothes: Emo Girls are no so strict when we talk about emo typical fashion. They usually tend to mix various types of clothes to achieve that indie outfit. Tight jeans, cute tops, large belts, bold colors and stripes are very common. Girls are girls no matter what kind of style they prefer, so they will always try to dress flashy.

Sexy Back Tattoo

Sexy Japanese Back Tattoo

Japanese Foot Tattoo

Japanese Arm Tattoo

Japanese Body Tattoo Gallery

Japanese Body Tattoo

Japanese Dragon Tattoo

Body Painting Contes

Japanese Back Tattoo

Car Insurance

Having lived in America and South Africa I have found it difficult moving back to a country where the individual is insured as opposed to the vehicle. It used to be the case that if I wanted to borrow someone's car that they'd sling me their keys and off I'd go safe in the knowledge that if the worst were to happen I'd be covered.

Forgetting the laws in England I recently suggested to a friend that I drove their car home for them from the pub. The idea was laughed at and not because of my questionable driving. The reason is the penalties for being caught are so severe. The same applies for lending a vehicle over a couple of days. It is often difficult to find insurers that are willing to cover you for a short amount of time. So borrowing a car for a single journey can end up being extremely expensive.

Fortunately there are an increasing number of insurance providers that see the importance of offering insurance over a short period. The period of cover can range between a single day to a whole month. This makes it popular with people such as students that return home in the summer and want to use their parents' car. It is also an extremely popular option for the ex-pat community that return to the UK for a break. With many providers offering deals specified for people that live abroad it can mean using a car is significantly cheaper than hiring.

Arranging temp cover for a vehicle is a simple process that can be completed online. It is the perfect option for when you want to test drive or purchase a new vehicle and want to drive it fully insured. Because many providers let you apply online you can often print out the insurance certificate and carry it with you. This will give you incredible peace of mind if you are off to test drive a vehicle that is being sold privately or driving a friend's vehicle for a single journey.

It is a perfect option for insuring a relative to drive your car if you are ill and can't drive. It is also a great option for when your car has broken down and you need to borrow your partner's car. It can be a very cost effective way of borrowing a car from a friend. The rental period for temp cover is short so can be a very small one off payment.