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.

Baru Pacaran Sebulan, Wanita Muda Lahirkan Bayi Kembarnya di Kamar Mandi dengan Akhir di Polisikan, Ini 9 Faktanya..


Aksi ibu muda di Bali yang membunuh dan membuang bayinya itu bikin heboh warga.
Mengapa tidak, ia tega membunuh bayi kembarnya sesaat setelah dilahirkan di dalam kamar mandi.
Ibu muda itu, DW (20), sudah menjalani pemeriksaan di Polsek Denpasar Timur sejak Jumat (20/7/2018).
Dari hasil pemeriksaan, DW mengakui  semua perbuatannya tersebut.
Berikut ini fakta-faktanya dilansir dari TribunBali.
1. Melahirkan di dalam kamar mandi
Kapolresta Denpasar Kombes Pol Hadi Purnomo kemarin menyampaikan, pada 13 Juli malam itu perut DW terasa sakit, dan mengira akan melahirkan.
Ia kemudian bergegas menuju kamar mandi kos-nya, dan melakukan proses persalinan sendiri di dalam kamar mandi tersebut.
2. Pacarnya sedang tidur di kamar
Tak sedang sendirian, rupanya pacar DW, yakni VKR juga diketahui berada di dalam kamar kos tersebut.
Namun, berdasarkan pengakuan DW, VKR tidak mengetahui kalau DW sedang melahirkan di dalam kamar mandi.
Hadi menambahkan, dari pengakuan DW, VKR ternyata tidak mengetahui sama sekali mengenai kehamilan DW hingga kelahiran bayi kembar pada Jumat malam itu.
Saat DW melakukan aksinya membunuh bayi kembar itu, VKR mengaku tengah terlelap tidur.
3. Bayinya kembar
Berdasarkan pengakuan DW ke polisi, bayi yang dilahirkannya itu kembar dan dalam kondisi hidup.
Awalnya, DW melahirkan bayi pertamanya terlebih dahulu kemudian dibunuh.
Selang beberapa waktu bayi keduanya lahir dan DW membunuhnya kembali.
4. Dibunuh 4 menit setelah dilahirkan
Rupanya, DW membunuh bayi kembarnya itu empat menit setelah dilahirkan.
DW tega mencekik bayi tak berdosa itu sesaat setelah dilahirkan.
“Setelah melahirkan bayi pertama dalam kondisi hidup, DW langsung mencekiknya. DW lalu mengambil pisau dan menusuk bayi tersebut. Selang empat menit kemudian, bayi kedua lahir dan DW melakukan hal yang sama terhadap bayi kedua itu, menusuknya.
5. Dimasukkan ke ember hitam
DW lantas membersihkan kamar mandi, dan membungkus bayi kembar itu dengan plastik, lalu dimasukkan ke dalam ember hitam.
“Pada keesokan hari, DW membuangnya bayi yang terbungkus plastik itu di sebuah tempat dekat kamar kos VKR,” papar Hadi Purnomo.
6. Mengaku sedang datang bulan
Saat bangun tidur esok hari, VKR melihat DW tampak lemas dan mengeluh sakit perut.
DW menyampaikan kepada VKR bahwa ia tengah datang bulan, lalu meminta VKR membelikan pembalut wanita.
“Saat pacarnya VKR ini pergi membeli pembalut, jasad bayi kembar yang berada di dalam ember hitam pun dibuang. Tubuh bayi kembar itu dibungkus dengan plastik dan disatukan dengan sampah agar tidak dicurigai,” imbuh Kapolresta.
Pada hari itu VKR berencana kembali ke kampungnya di Manggarai Barat, NTT (Nusa Tenggara Timur), dan sudah memegang tiket penerbangan. Alasannya, saat itu ia masih dalam liburan kuliah.
Sementara DW pergi ke tempat saudaranya di Jimbaran.
7. Pacarnya tak tahu DW sedang hamil
Selama kehamilan DW, VKR mengaku dirinya sama sekali tidak mengetahui bahwa pacarnya ini tengah hamil.
Namun demikian, Polresta Denpasar akan mendalami pengakuan VKR, dan akan dikonfrontasikan dengan DW.
8. Dihamili mantan pacarnya
Menurut ketetrangan polisi, ada informasi baru yang terungkap.
Rupanya bayi kembar yang dibunuh DW sesaat setelah dilahirkan tersebut merupakan hasil hubungan DW dengan mantan pacarnya, yakni pria bernama Jeje.
Dengan Jeje, DW sudah berpacaran selama 8 bulan.
Setelah mengetahui DW hamil, diketahui bahwa Jeje meninggalkan atau memutuskan hubungannya dengan DW.
Tak berselang lama, yakni sekitar Mei lalu, DW kenal VKR yang berstatus mahasiswa semester 3 di sebuah universitas di Denpasar.
VKR mengenal DW, karena dikenalkan oleh bibi VKR.
Mereka pun akhirnya berpacaran, dan sudah melakukan hubungan intim sebanyak empat kali.
Perbuatan itu dilakukan VKR dan DW di kamar kos VKR.
Disebutkan bahwa VKR sempat curiga bahwa DW tengah hamil.
Akhirnya, DW memang melahirkan kendati disebut tanpa sepengetahuan VKR.
“Pengakuan DW, bayi kembarnya ini adalah hasil hubungannya dengan pacar yang sebelumnya yakni Jeje. Tetapi nanti akan kita dalami lagi pengakuannya,” ucapnya.
9. Pacar akan diperiksa penyidik
Kombes Hadi Purnomo menyampaikan VKR kini tengah dijemput di NTT oleh tim gabungan yang dibentuknya.
Diperkirakan hari ini VKR sudah sampai di Bali. Untuk sementara, status VKR masih sebagai saksi.
Namun, bisa saja statusnya berubah setelah VKR diperiksa penyidik.
DW berstatus karyawan di sebuah toko bahan bangunan, bukan seorang mahasiswi seperti informasi yang beredar sebelumnya. VKR lah yang masih berstatus mahasiswa.
Atas perbuatannya, DW yang kini jadi tersangka dijerat dengan Pasal 341 KUHP, Pasal 78C jo Pasal 80 UU No 35 Tahun 2014 tentang Perubahan UU No 32 UU Perlindungan Anak. Ia terancam hukuman pidana maksimal 20 tahun.


Sumber : tribunnews.com
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