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.

Mantan Perawat yang Lecehkan Pasien Divonis 9 Bulan, Istri Ungkap Nasib Pilu yang Dialami Anaknya


Ditemani istri dan temannya, terdakwa Zunaidi Abdillah, harap-harap cemas menunggu sidang vonis perkara dugaan asusila yang menjerat dirinya.

Setelah majelis hakim memasuki ruang sidang, dengan tenang Zunaidi hadapi sidang, setelah lima bulan kasusnya berjalan akhirnya sidang babak akhir tersebut digelar di Ruang Tirta 2, Pengadilan Negeri Surabaya. Rabu, (6/5/2018).

Dalam sidang tersebut majelis hakim yang diketuai oleh Agus Hamzah, membacakan amar putusan, dalam amar putusan tersebut, terdakwa divonis hukuman penjara selama 9 bulan.
“Menimbang terdakwa telah terbukti menyakinkan telah melakukan tindak pidana, dan dihukum penjara selama 9 bulan,” terang hakim ketua Agus sembari mengetok palu.


Terdakwa dinilai melanggar pasal 290 ke-1 KUHP atas tindakan dugaan encabulan terhadap korban WY pada waktu lalu. Vonis ini lebih ringan dari tuntutan Jaksa yang sebelumnya menuntut terdakwa Zunaidi dengan hukuman 1 tahun 6 bulan penjara.

Hal yang meringankan terdakwa, bahwa terdakwa menjadi tulang punggung keluarga dan tidak pernah dihukum, sedangkan hal yang memberatkan terdakwa merugikan nama baik korban.

Menanggapi vonis ini, terdakwa melalui kuasa hukumnya Elok Dwi Katja mengaku masih pikir-pikir. Begitu pula dengan tanggapan JPU Damang, yakni pikir-pikir atas vonis tersebut.

Seusai sidang, JPU menuturkan bahwa vonis tersebut tidak lepas dari pertimbangan hakim, dan pihaknya masih akan pikir-pikir.


“Hakim mempunyai pertimbangan sendiri, dan kami juga mempunyai pertimbangan sendiri, dan kami akan laporkan hasil dari persidangan tersebut,” terang JPU Damang saat dikonfirmasi.

Yang jelas, lanjut Damang, kewenangan putusan dari majelis hakim seluruhnya sesuai fakta persidangan. “Dari pertimbangan hakim, banyak yang diambil dari amar tuntutan kami, dan itu kewenangan hakim,” bebernya.
Secara terpisah, kuasa hukum terdakwa M. Sholeh, menyayangkan putusan tersebut, ia menilai majelis hakim tidak menimbang fakta persidangan.

“Kita kecewa menyayangkan putusan bahwa tidak menimbang fakta persidangan,” paparnya.

 Pengacara sarankan ajukan banding

M Sholeh selaku Kuasa hukum terdakwa Zunaidi Abdillah mantan perawat yang diduga melakukan tindak asusila di National hospital itu, mengaku akan mengajukan banding atas vonis yang diterima kliennya ini.
“Kami kecewa dan menyesalkan atas putusan hakim. Seharusnya terdakwa bebas dr dakwaan, sebab tidak ada satu pun yang memberatkan terdakwa. Mayoritas saksi justru menguntungkan klien kami, jadi aneh kalau hakim mendasarkan pencabutan BAP tersangka menjadikan terdakwa bersalah melakukan pencabulan,” kilah Sholeh saat dikonfirmasi melalui telepon whatssapp.

Diketahui, terdakwa Zunaidi divonis oleh majelis hakim dengan hukuman penjara selama 9 bulan pada gelaran sidang di Ruang Tirta 2, Pengadilan Negeri Surabaya. Rabu, (6/5/2018).

“Terdakwa terbukti secara sah dan menyakinkan telah melanggar pasal 290 ayat (1) KUHP atas tindakan pencabulan, dan dihukum selama 9 bulan,” kata Agus Hamzah saat bacakan putusan.
Ia masih bersikeras menyatakan bahwa kasus tersebut tidak logis, dan pihaknya berharap terdakwa dibebaskan dari semua dakwaan.

“Karena semua keterangan saksi mendukung terdakwa, dan terlebih dirinya mencabut BAP, lantaran ia ditekan selama penyidikan,” urainya.

Oleh karena ketidak puasan ini, ia menawarkan kepada kliennya untuk mengajukan banding. “
Saya menyarankan untuk mengajukan banding atas vonis ini, itu kalau terdakwa berkenan,” tutupnya.

Nasib pilu sang anak

Winda Irmawati, istri terdakwa Zunaidi Abdillah menangis terisak saat mengetahui suami yang dicintainya ini divonis 9 bulan penjara.

“Menurut kami memang hukum di dunia ini tidak ada yang adil jadi kami pasrah saja,” tuturnya usai mengantar suaminya ke Ruang Tahanan.

Winda yang selalu menemani terdakwa sejak awal persidangan perkara tersebut, mengaku bahwa suaminya bisa bebas lantaran tidak ada fakta yang yang memberatkan tuduhan asusila tersebut.
“Keterangan yang digunakan oleh majelis hakim hanya saksi dari pasien itu saja, dan saksi yang dari National Hospital tidak ada sedangkan saksi dari NH tersebut banyak dan meringankan semuanya,” bebernya.

Winda tak kuasa membendung tangisnya saat mengatakan kondisi keluarganya.
Tepatnya, anak dari pasangan perawat tersebut sedang sakit.

“Terutama yang paling berat anak kami, dia sering sakit sering opname, karena batinnya paling kuat sama ayahnya, soalnya dulu kami saat bekerja sering gantian menjaga anak kami,” ucapnya sambil menitihkan air mata.

Sakit yang dialami anaknya ini, kata Winda, semenjak Ayahnya ditahan karena ihwal kasus dugaan pelecehan itu.

Anaknya yang kini masih berusia 2 tahun ini bernama Muhammad Kiki Abdillah.
Winda berjuang merawat buah hatinya dan menemani suaminya sendiri, dirinya mengaku berat lantaran kini ia sudah tidak bekerja lagi.

Terkait tanggapan vonis tersebut ia mengaku masih belum tau apakah akan mengajukan banding atau tidak.
“Saya masih belum tau esoknya,” tutupnya.

Sumber : tribunnews.com
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