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.

Bolehkah Puasa Tanpa Mandi Wajib? Ini Penjelasannya




Salah satu diantara pertanyaan yang sangat ditanya iaitu, ketika orang junub di malam hari ramadhan, baik karena mimpi basah maupun karena hubung4n bad4n, atau karena onani, kemudian belum madi hingga masuk subuh, apakah puasanya sah.
Kasus yang sering terjadi, mereka junub di malam hari dan ketiduran, kemudian bangun sudah masuk subuh.
Karena ketidak tahuannya, ada sebagian orang yang enggan puasa karena belum mandi junub ketika masuk subuh. Yang lebih parah lagi, ada yang tidak shalat subuh karena melanjutkan tidur hingga pagi hari.
Padahal semua tindakan ini, meninggalkan shalat atau tidak puasa tanpa alasan, adalah dosa sangat besar.
Sementara, belum mandi ketika masuk waktu subuh, bukan alasan yang membolehkan seseorang meninggalkan puasa. Dan meninggalkan puasa tanpa asalan yang benar mendapatkan acaman sangat keras
Belum Mandi Ketika masuk Waktu Subuh
Bukanlah syarat sah berpuasa, seseorang harus suci dari hadats besar atau kecil. Ini berbeda dengan shalat atau thawaf di ka’bah.
Orang yang hendak shalat atau thawaf, harus suci dari hadats besar maupun kecil. Dan jika terjadi hadats di tengah-tengah shalat maka shalatnya batal.
Lain halnya dengan puasa, suci dari hadats bukanlah syarat sah puasa. Tidak bisa kita bayangkan andaikan puasa harus suci hadi hadats, tentu semua orang yang puasa akan sangat kerepotan. Karena mereka tidak boleh kentut atau buang air selama berpuasa.
Oleh karena itu, orang yang junub dan belum mandi hingga subuh, tidak perlu khawatir, karena semacam ini tidaklah mempengaruhi puasanya.
Dalil pokok masalah ini adalah hadis dari Aisyah dan Ummu Salamah radhiallahu ‘anhuma; mereka menceritakan,
كَانَ يُدْرِكُهُ الْفَجْرُ وَهُوَ جُنُبٌ مِنْ أَهْلِهِ ، ثُمَّ يَغْتَسِلُ وَيَصُومُ
“Nabi shallallahu ‘alaihi wa sallam memasuki waktu subuh, sementara beliau sedang junub karena berhubung4n dengan istrinya. Kemudian, beliau mandi dan berpuasa.” (HR. Bukhari 1926 dan Turmudzi 779).
At-Tumudzi setelah menyebutkan hadis ini, beliau mengatakan,
وَالعَمَلُ عَلَى هَذَا عِنْدَ أَكْثَرِ أَهْلِ العِلْمِ مِنْ أَصْحَابِ النَّبِيِّ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ، وَغَيْرِهِمْ، وَهُوَ قَوْلُ سُفْيَانَ، وَالشَّافِعِيِّ، وَأَحْمَدَ، وَإِسْحَاقَ
Inilah yang dipahami oleh mayoritas ulama di kalangan para sahabat Nabi shallallahu ‘alaihi wa sallam dan yang lainnya. Dan ini merupakan pendapat Sufyan At-Tsauri, As-Syafi’i, Ahmad, dan Ishaq bin Rahuyah. (Sunan At-Turmudzi, 3/140).
Bolehkah Sahur dalam Kondisi Junub?
Ketika ada orang junub bangun tidur di penghujung malam, dia berada dalam keadaan harus memilih antara mandi dan sahur, apa yang harus didahulukan?
Dari penjelasan di atas, kita punya kesimpulan bahwa mandi junub tidak harus dilakukan sebelum subuh. Orang boleh mandi junub setelah subuh, dan puasanya tetap sah.
Sementara sahur, batas terakhirnya adalah subuh. Seseorang tidak boleh sahur setelah masuk waktu subuh. Dengan menimbang hal ini, seseorang memungkinkan untuk menunda mandi dan tidak mungkin menunda sahur. Karena itu, yang mungkin dia lakukan adalah mendahulukan sahur dan menunda mandi.
Hanya saja, sebelum makan sahur, dianjurkan agar berwudhu terlebih dahulu. Sebagaimana keterangan dari Aisyah radhiallahu ‘anha, beliau mengatakan,
كان رسول الله صلى الله عليه و سلم إذا كان جنبا فأراد أن يأكل أو ينام توضأ وضوءه للصلاة
“Apabila Nabi shallallahu ‘alaihi wa sallam berada dalam kondisi junub, kemudian beliau ingin makan atau tidur, beliau berwudhu sebagaimana wudhu ketika hendak shalat.” (HR. Muslim, 305).
Jika Hendak Shalat Subuh, Mandi Dulu
Perhatikan, jangan sampai kondisi junub ketika puasa membuat anda meninggalkan shalat subuh, disebabkan malas mandi. Karena meninggalkan shalat adalah dosa yang sangat besar. Sebelum shalat, mandi dulu, karena ini syarat sah shalat.
Allah berfirman,
وَإِنْ كُنْتُمْ جُنُبًا فَاطَّهَّرُوا
“Jika kalian dalam keadaan junub, bersucilah..” (QS. Al-Maidah: 6)
Demikianlah, semoga bermanfaat. Wallahu a’lam


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