admin / April 13, 2023

Finding the Perfect Gift: Five Questions to Ask Yourself

Giving the perfect gift to a special person is something that requires thought. And not much of the latter–thinking–is happening anymore in a wired world where searching for gifts ideas can be done with a click of a mouse button.”It’s the thought that counts” is a lousy excuse for giving a present that hardly has meaning for the recipient. Sure, everyone enjoys receiving gifts, both big and small. It is a big ego-booster that makes you think, “Awwww, that’s sweet. You’re thinking of me.” And that’s usually the end of it. The present usually ends up in some lonely corner on a shelf or in some dark, musty spot in the closet. It is hardly the perfect gift. It’s not just the thought (of the person or of giving something to that person) that counts. The thought put into selecting the perfect gift also matters much.When looking for gifts ideas for your special person, what thoughts need to run in your mind? Here are the most important ones, arranged in order of importance.Why are you giving a present?People give gifts for various reasons. In the modern, materialistic world, the most common reason is self-gain. A lot of people actually give presents without consciously knowing that self-gain is the underlying motive:
“I’m giving you a gift so you will like me or think better of me.”
“I’m giving you a present because it makes me feel nice about myself.”
“I’m giving you presents that will remind you of me and how much I care.”
…and the like. You get the idea.This kind of giving is a one-way street. Only the giver stands to benefit from it. In this kind of giving, the giver is simply giving back to himself or herself–the recipient is merely an instrument to the selfish act.There’s another type of giving–one that places the recipient before the giver. This, for me, is what true giving is all about. Thoughtful giving is an other-centered phenomenon. You think of what the recipient will gain from the gift long before you even start thinking of what you yourself will gain from it. You give for the sake of the receiver–that is true generosity.Thoughtful giving requires you to examine your motives for giving the perfect gift. If you want to master the art of thoughtful giving, you need to see giving from a different mindset, a different viewpoint, a different lens. That is where all true giving starts.Whom will you give to?Quick answer: anyone who has need of the gift you can give. This implies that having a relationship with the recipient is not a requisite to giving at all. Gift giving is not about relationship. Rather, gift giving is about the generosity and goodness of the giver.In a majority of cases, though, people usually give presents only to people that they know, or to whom they want to cultivate a relationship with. There’s nothing wrong with that, although giving in that manner reflects a limited reach for one’s kindness and generosity. Or, worse, it could possibly reflect an underlying, often unconscious, selfish motive.Give because you can–and to anyone that will benefit from your present.What gift will you give?The best gift to give to someone you care about is something that has meaning to the recipient. If you can find a present that has meaning for both of you, then that’s better because both of you will delight in the shared meaning and shared significance. Or, at the very least, find a gift that will be of use to the recipient, or will fulfill a recipient’s need. The would make the item the perfect gift for the receiver.Gift giving is all about the recipient, not you. The moment you start thinking first about yourself when looking for the best gift to give, you fall back to the self-gain zone. So, forget yourself when giving a present.Can you afford it?Never scrimp on the perfect gift. Once you find the right gift idea, go ahead and splurge. True and thoughtful gift giving is lavish without being wasteful nor being impractical. And, because giving in this manner benefits the receiver more than you do, true and thoughtful giving also has a sacrificial nature.Does this mean that the best gift you give needs to be expensive? Yes! True giving will always be expensive, but then again, the term “expensive” is subjective and relative. For instance, the perfect gift worth 10 dollars may be very cheap to someone earning four digits monthly but may be very expensive to someone earning a pauper’s income.As applied to giving presents, “expensive” also does not just refer to monetary cost. So, when I say never scrimp on the perfect gift idea, it actually means spend time, talent, and treasure to give it. However, it does not mean spending beyond your means. After all, you can only give what you already have.Where will you buy the perfect gift?Who’s saying that you have to buy it? In most cases, you buy a product or service to give as a present, but there are times when doing so is not necessary. In cases when you’re giving a product or service as a present, you’ll be able to find a lot of gifts ideas from almost everywhere. The item doesn’t have to be complicated or complex, but you might want to spice it up with a little bit of your personal creative touch.Most people shop in stores to look for the best present to give. Others try online shopping. Department stores aren’t the only places to look for gifts either. Service establishments also are potential starting points, as are novelty shops, antique stores, and the like. Just remember to tailor the gift around the receiver, not the other way around. Think about the receiver first, then the gift.In summary, the real cost of giving the perfect gift is not entirely monetary. It’s about the thought that you put into choosing the best gift to give. It’s about always assessing your real motive for giving a gift, as well as about the person you’re giving the gift to and why you are giving such gift. The only requisite to giving the perfect gift is your generosity and how deep your generosity is.

admin / April 13, 2023

Finding the Perfect Gift: Five Questions to Ask Yourself

Giving the perfect gift to a special person is something that requires thought. And not much of the latter–thinking–is happening anymore in a wired world where searching for gifts ideas can be done with a click of a mouse button.”It’s the thought that counts” is a lousy excuse for giving a present that hardly has meaning for the recipient. Sure, everyone enjoys receiving gifts, both big and small. It is a big ego-booster that makes you think, “Awwww, that’s sweet. You’re thinking of me.” And that’s usually the end of it. The present usually ends up in some lonely corner on a shelf or in some dark, musty spot in the closet. It is hardly the perfect gift. It’s not just the thought (of the person or of giving something to that person) that counts. The thought put into selecting the perfect gift also matters much.When looking for gifts ideas for your special person, what thoughts need to run in your mind? Here are the most important ones, arranged in order of importance.Why are you giving a present?People give gifts for various reasons. In the modern, materialistic world, the most common reason is self-gain. A lot of people actually give presents without consciously knowing that self-gain is the underlying motive:
“I’m giving you a gift so you will like me or think better of me.”
“I’m giving you a present because it makes me feel nice about myself.”
“I’m giving you presents that will remind you of me and how much I care.”
…and the like. You get the idea.This kind of giving is a one-way street. Only the giver stands to benefit from it. In this kind of giving, the giver is simply giving back to himself or herself–the recipient is merely an instrument to the selfish act.There’s another type of giving–one that places the recipient before the giver. This, for me, is what true giving is all about. Thoughtful giving is an other-centered phenomenon. You think of what the recipient will gain from the gift long before you even start thinking of what you yourself will gain from it. You give for the sake of the receiver–that is true generosity.Thoughtful giving requires you to examine your motives for giving the perfect gift. If you want to master the art of thoughtful giving, you need to see giving from a different mindset, a different viewpoint, a different lens. That is where all true giving starts.Whom will you give to?Quick answer: anyone who has need of the gift you can give. This implies that having a relationship with the recipient is not a requisite to giving at all. Gift giving is not about relationship. Rather, gift giving is about the generosity and goodness of the giver.In a majority of cases, though, people usually give presents only to people that they know, or to whom they want to cultivate a relationship with. There’s nothing wrong with that, although giving in that manner reflects a limited reach for one’s kindness and generosity. Or, worse, it could possibly reflect an underlying, often unconscious, selfish motive.Give because you can–and to anyone that will benefit from your present.What gift will you give?The best gift to give to someone you care about is something that has meaning to the recipient. If you can find a present that has meaning for both of you, then that’s better because both of you will delight in the shared meaning and shared significance. Or, at the very least, find a gift that will be of use to the recipient, or will fulfill a recipient’s need. The would make the item the perfect gift for the receiver.Gift giving is all about the recipient, not you. The moment you start thinking first about yourself when looking for the best gift to give, you fall back to the self-gain zone. So, forget yourself when giving a present.Can you afford it?Never scrimp on the perfect gift. Once you find the right gift idea, go ahead and splurge. True and thoughtful gift giving is lavish without being wasteful nor being impractical. And, because giving in this manner benefits the receiver more than you do, true and thoughtful giving also has a sacrificial nature.Does this mean that the best gift you give needs to be expensive? Yes! True giving will always be expensive, but then again, the term “expensive” is subjective and relative. For instance, the perfect gift worth 10 dollars may be very cheap to someone earning four digits monthly but may be very expensive to someone earning a pauper’s income.As applied to giving presents, “expensive” also does not just refer to monetary cost. So, when I say never scrimp on the perfect gift idea, it actually means spend time, talent, and treasure to give it. However, it does not mean spending beyond your means. After all, you can only give what you already have.Where will you buy the perfect gift?Who’s saying that you have to buy it? In most cases, you buy a product or service to give as a present, but there are times when doing so is not necessary. In cases when you’re giving a product or service as a present, you’ll be able to find a lot of gifts ideas from almost everywhere. The item doesn’t have to be complicated or complex, but you might want to spice it up with a little bit of your personal creative touch.Most people shop in stores to look for the best present to give. Others try online shopping. Department stores aren’t the only places to look for gifts either. Service establishments also are potential starting points, as are novelty shops, antique stores, and the like. Just remember to tailor the gift around the receiver, not the other way around. Think about the receiver first, then the gift.In summary, the real cost of giving the perfect gift is not entirely monetary. It’s about the thought that you put into choosing the best gift to give. It’s about always assessing your real motive for giving a gift, as well as about the person you’re giving the gift to and why you are giving such gift. The only requisite to giving the perfect gift is your generosity and how deep your generosity is.

admin / April 13, 2023

Improve Your Well-Being – How Your Attitude to Health Can Help

What is Health?How do you define health? Is it a state of complete physical, mental and social well-being? Is it merely the absence of disease or infirmity? Or is health a resource for everyday life, rather than the objective of living; a positive concept, emphasising social and personal resources as well as physical capabilities?Good health is harder to define than bad health (which can be equated with the presence of disease), because it must convey a concept more positive than mere absence of disease, and there is a variable area between health and disease. Health is clearly a complex, multidimensional concept. Health is, ultimately, poorly defined and difficult to measure, despite impressive efforts by epidemiologists, vital statisticians, social scientists and political economists. Each individual’s health is shaped by many factors, including medical care, social circumstances, and behavioural choices.Health CareWhile it is true to say that health care is the prevention, treatment and management of illness, and the preservation of mental and physical well-being, through the services offered by the medical, nursing and allied health professions, health-related behaviour is influenced by our own values, which are determined by upbringing, by example, by experience, by the company one keeps, by the persuasive power of advertising (often a force of behaviour that can harm health), and by effective health education. Healthy individuals are able to mobilise all their physical, mental, and spiritual resources to improve their chances of survival, to live happy and fulfilling lives, and to be of benefit to their dependants and society.Achieving health, and remaining healthy, is an active process. Natural health is based on prevention, and on keeping our bodies and minds in good shape. Health lies in balancing these aspects within the body through a regimen consisting of diet, exercise, and regulation of the emotions. The last of these is too often ignored when health advice is dispensed, but can have a pronounced effect on physical well-being.DietEvery day, or so it seems, new research shows that some aspect of lifestyle – physical activity, diet, alcohol consumption, and so on – affects health and longevity. Physical fitness is good bodily health, and is the result of regular exercise, proper diet and nutrition, and proper rest for physical recovery. The field of nutrition also studies foods and dietary supplements that improve performance, promote health, and cure or prevent disease, such as fibrous foods to reduce the risk of colon cancer, or supplements with vitamin C to strengthen teeth and gums and to improve the immune system. When exercising, it becomes even more important to have a good diet to ensure that the body has the correct ratio of macronutrients whilst providing ample micronutrients; this is to aid the body in the recovery process following strenuous exercise.If you’re trying to lose weight by “dieting”, don’t call it a diet, first of all – successful dieters don’t call what they do a “diet”. A healthy diet and regular physical activity are both important for maintaining a healthy weight. Even literate, well-educated people sometimes have misguided views about what makes or keeps them healthy, often believing that regular daily exercise, regular bowel movements, or a specific dietary regime will alone suffice to preserve their good health. Despite the ever-changing, ever-conflicting opinions of the medical experts as to what is good for us, one aspect of what we eat and drink has remained constantly agreed by all: a balanced diet.A balanced diet comprises a mixture of the main varieties of nutriments (protein, carbohydrates, fats, minerals, and vitamins). Proper nutrition is just as, if not more, important to health as exercise. If you’re concerned about being overweight, you don’t need to add the extra stress of “dieting”. No “low-fat this” or “low-carb that”; just healthful eating of smaller portions, with weight loss being a satisfying side effect. Improve health by eating real food in moderation. (For many reasons, not everyone has easy access to or incentives to eat a balanced diet. Nevertheless, those who eat a well-balanced diet are healthier than those who do not.)ExercisePhysical exercise is considered important for maintaining physical fitness and overall health (including healthy weight), building and maintaining healthy bones, muscles and joints, promoting physiological well-being, reducing surgical risks, and strengthening the immune system. Aerobic exercises, such as walking, running and swimming, focus on increasing cardiovascular endurance and muscle density. Anaerobic exercises, such as weight training or sprinting, increase muscle mass and strength. Proper rest and recovery are also as important to health as exercise, otherwise the body exists in a permanently injured state and will not improve or adapt adequately to the exercise. The above two factors can be compromised by psychological compulsions (eating disorders, such as exercise bulimia, anorexia, and other bulimias), misinformation, a lack of organisation, or a lack of motivation.Ask your doctor or physical therapist what exercises are best for you. Your doctor and/or physical therapist can recommend specific types of exercise, depending on your particular situation. You can use exercises to keep strong and limber, improve cardiovascular fitness, extend your joints’ range of motion, and reduce your weight. You should never be too busy to exercise. There’s always a way to squeeze in a little exercise, no matter where you are. Eliminate one or maybe even two items from your busy schedule to free up time to fit in some exercise and some “YOU” time. Finding an exercise partner is a common workout strategy.EmotionsYou may have heard about the benefits of diet and exercise ad nauseam, but may be unaware of the effect that your emotions can have on your physical well-being and, indeed, your longevity. Like physical health, mental health is important at every stage of life. Mental health is how we think, feel, and act in order to face life’s situations. Prolonged psychological stress may have a negative impact on health, such as weakening the immune system.Children are particularly vulnerable. Caring for and protecting a child’s mental health is a major part of helping that child to grow into a normal adult, accepted into society. Mental health problems are not just a passing phase. Children are at greater risk for developing mental health problems when certain factors occur in their lives or environments. Mental health problems include depression, bipolar disorder (manic-depressive illness), attention-deficit / hyperactivity disorder, anxiety disorders, eating disorders, schizophrenia and conduct disorder. Do your best to provide a safe and loving home and community for your child, as well as nutritious meals, regular health check-ups, immunisations and exercise. Many children experience mental health problems that are real and painful, and they can be severe. Mental health problems affect at least one in every five young people at any given time. Tragically, an estimated two-thirds of all young people with mental health problems are not getting the help they need. Mental health problems can lead to school failure, alcohol or other drug abuse, family discord, violence, or even suicide. A variety of signs may point to a possible mental health problem in a child or teenager. Talk to your doctor, a school counsellor, or other mental health professionals who are trained to assess whether your child has a mental health problem.Control your emotions. If a driver overtakes you on the wrong side, or pulls out of a side road in front of you, don’t seethe with rage and honk your horn; You’re hurting no one but yourself by raising your blood pressure. Anger has been linked to heart disease, and research has suggested that hardening of the arteries occurs faster in people who score highly in hostility and anger tests. Stay calm in such situations, and feel proud of yourself for doing so. Take comfort in the knowledge that such aggressive drivers only increase their own blood pressure. Your passengers will be more impressed with your “cool” than with your irascibility.If you are in a constant rush, feeling that every second of your life counts, just slow down a little. Yes, every second does count, but consider the concept of quality of life. Compare how you feel when you’re in a hurry with how you feel when you’re not. Which feels better? Rushing everywhere increases your stress level. The body tries to overcome stress by making certain physiological adjustments. Some time after you slow down, the physiological adjustments and the stress symptoms revert to normal. If you don’t ever slow down, the physiological adjustments and the stress symptoms persist. It is this persistence of the body’s response that matters. You may develop physical, physiological or psychological problems, and may not be able to lead a normal life. Many cases of stress are somehow connected with money, or rather the lack of it. Such people struggle to make ends meet or to acquire more material possessions. This brings us to our final discussion: attitude.AttitudeIt is always pleasant to enjoy the fruits of our labours, of course. Sometimes, however, it seems that whatever we do, it’s just not enough to be able to afford that new car or that foreign holiday. So, what do we usually do then? We work harder, longer; we increase the stress on our minds and bodies; we spend less time with our families and friends; we become more irascible and less likeable people. If you find yourself in this situation, just stop for a moment, and consider: Is it all worth it? What is the purpose of life? Surely it is to be happy. You’ll probably be happier if you adopt the philosophy that true quality of life is not to be found in material things. If you convince yourself that you want less, you’ll need less. If you need less, you’ll cope with life more easily, and the happier, and therefore healthier, you’ll be. Buddha called this “enlightenment”. Enjoy a “good-health attitude”. Focus on your abilities instead of disabilities. Be satisfied with what you have, rather than be dissatisfied about what you don’t have and probably never will have.If you simply cannot cope with a healthy diet, exercise and emotional control, but genuinely prefer to eat junk food, be permanently drunk, be under constant stress, and be disliked by others, then enjoy your life while it lasts, but understand that the trade-off is that it will probably not last long. If you accept this willingly, you’ll be happy. There is some merit in the philosophy that it is better to live a short, happy life than a long, miserable one.ConclusionPersonal or individual health is largely subjective. For most individuals and for many cultures, however, health is a philosophical and subjective concept, associated with contentment, and often taken for granted when all is going well. The evidence that behavioural factors such as diet, physical activity, smoking and stress influence health is overwhelming. Thus, health is maintained and improved not only through the advancement and application of health science, but also through the efforts and intelligent lifestyle choices of the individual and society. Perhaps the best thing you can do for your health is to keep a positive attitude. Optimal health can be defined as a balance of physical, emotional, social, spiritual and intellectual health. Maintain a positive attitude!

admin / April 13, 2023

Remodel Your Home – Take A Home Improvement Loan

Home, a place where you live together with your close and loved ones, may mean the whole world to you. You always wanted to make your home a better place to live, giving all comforts to your family. You can do this just by making improvements in your home, but where to get the funds for it. Home Improvement Loan is the solution to your problem.Home Improvement Loan is a loan that is granted to borrowers to make changes or improvements in their home. A home improvement loan is good if you don’t want to use your savings or don’t have sufficient savings for the home improvement project.A Home Improvement Loans can be used to purchase fitted bedroom furniture or to develop unused spaces in your home. You can use Home Improvement Loan for improving your garden such as landscaping. Home Improvement Loan is also available for double-glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. Making improvements in your home helps in improving your lifestyle as well as may add value to your home.Home Improvement Loan can be classified as secured and unsecured Home Improvement Loan. A Secured Home Improvement Loan is a loan secured by borrower’s collateral such as house, car or bonds. You can borrow any amount between £5,000 to £75,000 A Secured Home Improvement Loan can be repaid at any term between 5 to 25 years depending on income available with you and the amount of equity in the property kept as a security with the lender. You can get Home Improvement Loan up to 125% of property value. A secured loan offers flexible repayment options with low rate of interest.Unsecured Home Improvement Loan is a loan that requires no collateral to be kept as a security with the lender. The rate of interest on loan is higher as compared to that in secured loan, as there is no security attached to this loan.You can get a Home Improvement Loan from banks and financial institutions. Now, you can also get a Home Improvement Loan online. You can collect loan quotes from various lenders which is available free of cost. Make a comparison among the various quotes and shortlist the few you find suitable. Try to find out more details about the short listed loan options and choose the one that you find the best. But don’t haste, relax and shop around make some efforts. Your efforts will definitely repay you in future by saving your money.You can also tie your home improvement loan into the existing mortgage package, which will benefit you with lower rate of interest and help in releasing the money you needed for the home improvement project.You can get a secured Home Improvement Loan even if you have bad credit rating, poor credit history, CCJs, defaults or arrears. Your bad credit history can’t stop you from making desired improvements in your home. You can avail a bad credit home improvement loan that is designed specially for you.Home Improvement Loan is the loan granted for making changes or improvements in the home such as new kitchen or decoration. It helps in making your home a better place to live for your whole family. Home Improvement loan may help in add value to your home by the significant improvements you intend to make. When searching for a home improvement loan, Shop around and compare the quotes of various lenders, your these efforts will help you find the best deal.

admin / April 13, 2023

Car Insurance Terms and Glossary

No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We’ve compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insuranceAccident – This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision.Accident report form – This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued.Adjuster – This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. They will make the determination on how much will be paid on the auto insurance policy by the Insurer.Agent – This is a licensed and trained individual who is authorized to sell and to service insurance policies for the auto insurance company.At Fault – This is the amount that you, the policy holder, contributed or caused the auto collision. This determines which insurance agency pays which portion of the losses.Auto Insurance Score – This is a score similar to credit score that evaluates the information in your consumer credit report. These scores are used when determining pricing for your auto insurance policy. Negative marks on your credit report can increase your auto insurance premiums. The use of this information to determine policy pricing does vary from state to state.Automobile Insurance – This is a type of insurance policy that covers and protect against losses involving automobiles. Auto Insurance policies include a wide range of coverage’s depending on the policy holders needs. Liability for property damage and bodily injury, uninsured motorist, medical payments, comprehensive, and collision are some of the common coverage’s offered under an auto insurance policy.Binder – This is a temporary short-term policy agreement put in place while a formal permanent policy is put into place or delivered.Bodily Injury Liability – This is the section of an insurance policy that covers the cost to anyone you may injure. It can include lost wages and medical expenses.Broker – This is a licensed individual who on your behalf sells and services various insurance policies.Claim – This is a formal notice made to your insurance company that a loss has occurred which may be covered under the terms of the auto insurance policy.Claims Adjuster – This person employed by the insurance agency will investigate and settle all claims and losses. A representative for the insurance agency to verify and ensure all parties involved with the loss, get compensated fairly and correctly.Collision – The portion of the insurance policy that covers damage to your vehicle from hitting another object. Objects can include but are not limited to; another vehicle, a building, curbs, guard rail, tree, telephone pole or fence. A deductible will apply. Your insurance company will go after the other parties insurance policy for these cost should they be at fault.Commission – This is the portion of the auto insurance policy that is paid to the insurance agent for selling and servicing the policy on behalf of the company.Comprehensive – This is a portion of the insurance policy that covers loss caused by anything other than a collision or running into another object. A deductible will apply. This includes but is not limited to vandalism, storm damage, fire, theft, etc.Covered loss – This is the damage to yourself, other people or property or your vehicle that is covered under the auto insurance policy.Declarations Page – This is the part of the insurance policy that includes the entire legal name of your insurance company, your full legal name, complete car information including vehicle identification numbers or VIN, policy information, policy number, deductible amounts. This page is usually the front page of the insurance policy.Deductible Amount – This is the portion of the auto insurance policy that is the amount the policy holder must pay up front before the Insurance Company contributes and is required to pay any benefits. This amount can be within a wide range in price and varies from approximately $100 – $1000. The larger amount you pay in a deductible the lower your normal monthly/yearly policy will cost. This is the portion of the auto insurance policy that would be applicable only to comprehensive or collision coverage.Discount – This is a reduction in the overall cost of your insurance policy. Deductions can be given for a variety of different reasons including a good driving record, grades, age, marital status, specific features and safety equipment on the automobile.Emergency Road Service – This is the part of an auto insurance policy that covers the cost of emergency services such as flat tires, keys locked in the car and towing services.Endorsement – This is any written change that is made to the auto insurance policy that is adding or removing coverage on the policy.Exclusion – This is the portion of the auto Insurance policy that includes any provision including people, places or things that are not covered under the insurance policy.First Party – This is the policyholder, the insured in an insurance policy.Gap Insurance – This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed.High-Risk Driver – If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage.Insured – The policyholder (s) who are covered by the policy benefits in case of a loss or accident.Insurer – Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident.Liability insurance – This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state.Limits – This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses.Medical Payments Coverage – This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP.Motor Vehicle Report – The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period.No-Fault Insurance – If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC..Non-Renewal – This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage.Personal Property Liability – This is the portion of the auto insurance policy that covers any damage or loss you cause to another person’s personal property.Personal Injury Protection or PIP – This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage.Premium – This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you’re driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live.Quotation – This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company.Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned.Rental Reimbursement – This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident.Replacement Cost – This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market.Salvage – This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement.Second Party – this is the actual insurance company in the auto insurance policy.Surcharge – This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault.Third Party – This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder’s negligence.Total Loss – This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss.Towing Coverage – This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs.Under insured Driver – This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section.Uninsured Driver or Motorist – This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage.Vehicle Identification Number or VIN – A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver’s side window on the dash. It can also be found on the vehicles registration and title.