Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.
Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.

MOHON SEBARKAN…!! Makanan-makanan Yang Mengandungi Pengawet Mayat, Salah Satunya Paling Banyak Beredar Dan Di konsumsi !!!



Jemari Nunik Wiharti bergerak lincah memindahkan remah-remah tahu putih dari cawan petri ke dalam tabung reaksi. Ke dalam tabung transparan itu pula dia berturut-turut memasukkan air sulingan, polipropilen cair, dan serbuk pereaksi. Sepertiga tabung pereaksi terisi campuran tersebut.


Petugas pengujian Balai Besar Pengawasan Obat dan Makanan (POM) DKI Jakarta itu menyumbat ujung tabung dengan penutup plastik berwarna hitam. Tabung reaksi diayunkan ke atas dan ke bawah menggunakan tangan dengan kekuatan penuh.
Campuran berubah menjadi keruh. Setelah dua menit menggoyang tabung reaksi, cairan yang semula berwarna putih berubah menjadi ungu.
“Positif formalin,” ujar Nunik kepada tim Liputan6.com di laboratorium Balai Besar POM DKI Jakarta, Cilangkap, pada Jumat, 26 Februari 2016 lalu.
Pekan lalu, Nunik ditugaskan menguji sampel tahu yang dikumpulkan tim Liputan6.com dari empat pasar swalayan di Jakarta.
Pengujian dilakukan untuk menelusuri keberadaan zat kimia berbahaya tersebut pada makanan. Selain Nunik, pengujian sampel dilakukan pula oleh tiga rekannya. Tiga rekannya yang menguji sampel tahu dari lokasi berbeda tidak menemukan keberadaan formalin.
Formalin merupakan senyawa kimia yang terbentuk dari reaksi oksidasi metanol. Salah satu sifat formalin adalah mematikan bakteri pembusuk. Karena itu formalin banyak dipakai sebagai pembersih lantai atau zat pengawet mayat.
Selain tahu, pengujian juga dilakukan terhadap sampel anggur impor yang juga dijajakan di pasar swalayan. Hasilnya, dua dari empat sampel yang diambil dari pasar swalayan berbeda positif mengandung formalin. Seorang teman Nunik mendadak cemas terhadap hasil pengujian tersebut. “Padahal saya sering beli anggur di pasar swalayan ini,” katanya dengan mimik wajah khawatir.
Penguji Balai Besar Pengujian Obat dan Makanan menunjukkan hasil tes formalin pada anggur yang didapatkan dari pasar modern di Jakarta (25/02/2016).
Tahu merupakan bahan mentah untuk pel bagai hidangan keluarga Indonesia. Makanan yang berasal dari kedelai ini diproduksi di dalam negeri dan dijual di pasar-pasar, termasuk pasar swalayan dan pusat perbelanjaan. Adapun anggur merupakan salah satu jenis buah yang dikonsumsi keluarga Indonesia. Buah berbentuk bundar ini sebagian besar didatangkan dari luar negeri.
Kepala Balai Besar POM Jakarta Dewi Prawitasari tak terkejut atas temuan formalin pada makanan dan buah-buahan yang dijual di pasar modern. Menurut dia, formalin memang sering digunakan produsen dan distributor untuk mengawetkan makanan. Pengawetan menggunakan bahan berbahaya ini, katanya merupakan modus umum bagi pedagang yang ingin menekan kerugian. “Makanan yang diduga mengandung formalin bisa saja ditemukan di pasar modern atau swalayan,” ujar Dewi. Dia memastikan formalin juga masih ditemukan pada bahan makanan dan buah-buahan yang dijual di pasar tradisional.
Dia melanjutkan, pengujian yang dilakukan lembaganya menemukan tahu sebagai jenis makanan yang paling sering mengandung formalin. Tahu, katanya, merupakan jenis makanan yang cepat membusuk sehingga perlu ditambahi pengawet buatan. Setelah tahu, Balai Besar POM Jakarta juga menemukan mi dan bakso sebagai makanan yang kerap diketahui mengandung formalin.
Dokter forensik sekaligus pengajar dari Universitas Indonesia Djaja Surya Atmadja mengatakan formalin merupakan bahan kimia yang bersifat korosif. Organ tubuh yang terpapar zat ini akan cepat rusak sehingga tidak bisa berfungsi normal. Konsumsi formalin dalam jangka panjang bakal memicu kelainan perkembangbiakan sel. Menurut dia, formalin diketahui bersifat karsinogenik. “Jika dikonsumsi dalam waktu panjang akan menyebabkan kanker,” kata Djaja.
Dia mengatakan, banyak jenis kanker yang bisa dipicu formalin. Di antaranya kanker hidung, kulit, otak, dan usus. Adalah kanker usus yang disebutnya sebagai penyakit yang paling banyak diderita orang yang mengkonsumsi formalin.
Sampel liver manusia yang mengeras setelah terpapar zat pengawet formalin. Liver mengeras akibat reaksi penggumpalan protein oleh formalin.
Djaja menunjukkan efek formalin terhadap organ dengan membawa sampel liver manusia yang telah direndam formalin. Potongan hati seukuran jempol kaki orang dewasa itu berwarna hitam dan keras. Menurut dia, pengerasan itu terjadi karena formalin bereaksi dengan protein yang ada di dalamhati. Reaksi tersebut, katanya, menyebabkan gumpalan protein yang kemudian mengeraskan organ. “Organ-organ yang terpapar formalin akan mengalami kejadian yang sama,” ujarnya.
Menurut Djaja, ilmu kedokteran hingga saat ini belum bisa membalikkan proses penggumpalan protein oleh formalin tersebut. Akibatnya, pengerasan organ tubuh akibat formalin bersifat permanen.
Tertata rapi dalam lemari pendingin, anggur yang dijajakan sebuah pasar swalayan ternama di kawasan Jakarta Selatan menarik perhatian. Kemasan plastik yang membalut buah anggur tersebut seperti menjamin kehigienisan buah impor tersebut.
Tim Liputan6.com membeli sebungkus anggur tersebut. Pasar swalayan membanderol anggur seberat hampir 0,5 kilogram itu seharga Rp 70.000. Kasir swalayan membubuhkan label ‘fresh’ pada bungkus anggur untuk sebagai jaminan kesegaran buah. Belakangan pengujian Balai Besar POM membuktikan anggur tersebut mengandung formalin.
Ilustrasi buah anggur di rak buah-buahan pasar swalayan. (Istimewa)
Pengetesan yang sama oleh Balai Besar POM Jakarta menunjukkan anggur yang diambil dari pasar swalayan lain tidak mengandung formalin. Tim Liputan6.com tidak menemukan perbedaan ketika membandingkan fisik dan bau dua sampel tersebut.
Kepala Balai Besar POM Jakarta Dewi Prawitasari mengatakan formalin pada anggur biasanya masuk ke dalam pori buah sehingga lebih susah untuk diperiksa tekstur dan baunya. Formalin pada pori buah inilah, katanya, yang sulit dibersihkan meski setiap pelanggan membilas anggur sebelum dimakan.
Dia membandingkannya dengan formalin pada tahu yang tersebar merata dalam seluruh adonan. Menurut dia, formalin pada tahu bisa dilacak dengan penciuman. Tahu berformalin biasanya memiliki bau kimia yang kuat. Sedangkan tahu yang bebas formalin mengeluarkan bau segar khas kedelai. Tahu berformalin juga mengalami perubahan tekstur menjadi lebih kenyal. dasar mendengarkan penjelasan Badan POM mengenai bahaya formalin pada jajajan. (Liputan6.com/M. Khadafi)
Dokter forensik sekaligus pengajar dari Universitas Indonesia Djaja Surya Atmadja memberikan kiat yang sama untuk memeriksa kandungan formalin pada tahu. Menurut dia, tekstur kenyal cenderung keras pada tahu bisa menjadi indikator keberadaan formalin. Tahu yang tidak membusuk dan berbau setelah dibiarkan lebih dari 6 jam pada suhu kamar juga mengindikasikan adanya cemaran formalin.
Tim Liputan6.com menguji tahu yang dijual di pasar tradisional menggunakan alat uji seperti yang digunakan Balai Besar POM Jakarta. Sampel tahu yang dikumpulkan dari tiga pasar tradisional di Jakarta Selatan menunjukkan keberadaan formalin–ditunjukkan dengan perubahan warna sampel menjadi ungu ketika dicampur cairan pengujian. Tahu berformalin itu bertekstur keras dan berbau khas zat kimia.
Balai Besar POM Jakarta rutin mengirimkan mobil laboratorium keliling ke sekolah-sekolah. Pengujian lapangan di salah satu sekolah dasar di Jakarta Selatan menunjukkan formalin juga masih beredar di jajanan untuk anak-anak.
Deputi Bidang Pengawasan Keamanan Pangan dan Bahan Berbahaya Badan POM Suratmono mengatakan terjadi penurunan temuan pencemaran makanan oleh zat berbahaya seperti formalin. Menurut dia, tingkat pencemaran bahan berbahaya secara nasional pada 2010 mencapai 45 persen. Badan POM mengkategorikan makanan tercemar ini sebagai makanan tidak memenuhi syarat. Tahun lalu, level pencemaran itu menurun menjadi 23 persen. “Penyalahgunaan bahan berbahaya (seperti formalin) sekitar 4-6 persen,” katanya ketika ditemui di Jakarta, Kamis, 18 Februari 2016.
Mi kuning basah termasuk jenis makanan yang paling sering bercampur formalin selain tahu dan bakso. (Liputan6.com/M. Khadafi)
Menurut dia, penurunan temuan pencemaran formalin itu terjadi di seluruh provinsi. Namun, dia menyebut DKI Jakarta masih menjadi daerah dengan temuan tertinggi di Indonesia.
Badan POM, Suratmono menjelaskan, menggalakkan program ‘pasar aman’ di seluruh Indonesia. Program ini memantau 77 pasar yang dipilih sebagai pasar percontohan yang bebas makanan tidak memenuhi syarat. Di Jakarta terdapat 5 pasar percontohan ini.
Badan POM melakukan inspeksi mendadak jajanan sekolah mengandung formalin di Jakarta, Senin (13/04/2015). (Liputan6.com/Faizal Fanani)
Kepala Balai Besar POM Jakarta Dewi Prawitasari membenarkan terjadinya penurunan temuan makanan berformalin di lima pasar percontohan. Data Balai Besar POM menunjukkan level makanan tidak memenuhi syarat mencapai 23,2 persen pada 2013. Angka ini menurun menjadi 14,8 persen pada 2015.
Ihwal posisi DKI Jakarta sebagai pemuncak provinsi dengan tingkat pencemaran formalin dan zat berbahaya, dia beralasan lantaran Balai Besar POM DKI Jakarta paling sering melakukan pengujian ke pasar. Tingginya frekuensi pengujian itu, katanya, menyebabkan lebih banyak temuan di lapangan. “Setiap pekan kami mengirimkan laboratorium bergerak ke pasar-pasar,” ujar Dewi.
Dari hasil penelitian datas sebaiknya kita harus lebih hati – hati terhadap makanan yang tak asing lagi kita jumpai, dan jangan lagi makan makanan yang dudah d teliti diatas ( di kutip dari liputan 6 )
silahkan bagikan dan sebarkan …
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