Month: May 2018
Teenage drivers pose one of the greatest risks for automobile accidents. It is the main reason why including them on one’s auto insurance is so high. When its time to add your new driver to your car insurance policy, you may want to consider a legal plan as well. Based on how the averages stack up against your teenager, it could end up saving you several hundreds to thousands of dollars when its time to renew your insurance.
Remember that day when you passed your road test and was issued your first driver’s license? You probably had a smile that stretched from ear to ear and thought to yourself, -Oh, that special feeling of independence!- On the other hand, when your parents went to add you to their insurance policy, they discovered that they might have to finance that extra cost, because it was astronomical. Fast forward to today, and now your teenager is making that leap of independence, and you now know how your parents felt.
In fact, studies show that average cost of insurance for teenage drivers nearly doubles a family’s insurance premiums. Why? Because the risks are much higher when a teenage is behind the wheel. One of the most interesting facts about teenage drivers is that they are 3 times more likely to be involved in a fatal crash . Couple that with the law enforcement campaigns that seem to always net a higher percentage of speeding teenage drivers, and you begin to understand why the insurance companies charge such high premiums. Lets face it, the maturity of teenage drivers, on average, is lacking that of an experienced driver, which usually only comes with some years behind the wheel.
Don’t totally fret, because there are some insurance discounts for teen drivers. And even though they don’t make up for the sharp jump in insurance premiums, every little bit helps. For instance, if your teen gets good grades, that’s a plus. And just about all of the major auto insurance companies provide discounts when teens take a defensive driving course. Of course, make sure to inquire with your auto insurance for any discounts you might be entitled to.
And once you have added your teenage to the policy, its time to consider a family legal plan – one that offers legal representation in traffic court for moving violations – you know – tickets. As was mentioned earlier in this article, teenagers get traffic tickets at a much higher rate average. And as you know, when points come with that ticket, so does the promise of higher insurance premiums. This is where having an attorney represent your teenager, or even you for that matter, can make a big difference in the outcome of your court case. And when you consider that just 1 or 2 points on a teen’s driver record has the potential to raise a policy by several hundreds to several thousands of dollars, is there any wonder why participation in legal plans is starting to happen in huge numbers?
There are many types of legal plans in the market, so you will have to do a little research to find a company that has a plan to fit your families’ needs. Most basic plans cost less that $20 monthly. And they usually offer more than just motor vehicle moving violation coverage – with coverages like basic consultation, letter writing, contract review, wills, IRS Audit representation, law suits representation, and the likes. With all of these added benefits and potential savings, and a daily cost of less than a cup of coffee, a legal plan begins to make a lot of sense compared to the high cost of auto insurance.
In any case, now that you have a new driver in the family, adding legal protection is generally a good decision.
Gerard Cassagnol is a professional marketer of legal plans and identity theft plans for individuals, families, and small businesses. He has subscribed to a legal plan for more than 15 years and has been an advocate of affordable legal protection in the USA and Canada. For more information about Small Business Legal Protection, please got to FREE Insider Legal Protection Report . For more information about Identity Theft, including good tips to help protect you and your family, go to ID THEFT PROTECTION
The Can Spam Act was passed in 2003 and was one of the first laws to control spam. There is much controversy surrounding this law; many people believe it is a victory for e-mail users who are worried about risky spam, and others feel that it is a green light to certain spammers who want to foist aggressive advertisments on consumers.
The law is quite strict about illegal activities, but seems to allow loopholes for regular commercial business whose spam many e-mail users also find annoying. Still others greet the law as a first step in bringing the battle against spam into the public sphere.
The Can Spam Act stands for Controlling Assault of Non-Solicited Pornography and Marketing Act. Those who must follow this law are all those who send commercial e-mail that promotes a service or product. Sending mass advertising is permitted as long as the information is not false or misleading and doesnt involve any illegality.
The agencies with the jurisdiction to enforce the Can Spam Act are the FTC (Federal Trade Commission) and the DOJ (Department of Justice). These agencies can enforce criminal sanctions against those who violate this law. Federal and State agencies can also serve as watchdogs and to take care of spam problems.
Under the Can Spam Act, businesses are not allowed to use misleading information in their headers, and cannot use false headers as hooks to lure someone to open an e-mail that contains information that is different from that suggested by the header. The e-mail must give the recipient the opportunity to state that he or she does not want to receive any more e-mail promotions from that company.
Once the recipient has ordered the sender to stop sending e-mails, the sender is given 10 business days to cease from sending e-mails to that person. Under the Can Spam Act, it is illegal to sell e-mail addresses to others.
Activities that are strictly prohibited under the Can Spam Act include: using other computers as spam zombies, selling e-mail addresses from those who do not want to be contacted, labeling sexually explicit material as something else with a deceptive header or subject line, and harvesting the net for private information about individuals, including e-mails. These activities can lead to a $11,000 fine or jail time.
Many people were heartened by this law, while others were disappointed. The reactions were often opposite of those expected. Many spammers who simply promote their business with mass, unsolicited e-mails, but do not create spam zombies or engage in illegal activities, applauded the law as a legitimization of their business practices.
Many Californians who wanted to make all spamming illegal in their state were disappointed by the laws leniency regarded unsolicited marketing. However, even those who were disappointed saw it as a first step toward spam regulation.
Some wonder about the effectiveness of the Can Spam Act, and indeed, about the viability of attempting to regulate the net at all. Many people receive so many spam e-mails that they do not have the energy to report every case that appears.
Similarly, agencies are usually swamped with complaints, and can only deal with the most serious cases. Therefore, some believe that this is the reason the law only deals with dangerous spammers rather than with annoying ones. So, at least for now, it looks like spamming is here to stay.