Your Home Insurance Coverage Protects You When Drivers Crash Into Your Garage

Lots of accidents happen at home, and that’s one of the reasons why insurance policies are simply sensible. Even car accidents can happen inside in your own garage. You can bang yourself with the door, or a jack can fail while you’re underneath. You may even drive in the morning when the coffee hasn’t kicked in yet, and you may suddenly go forward and crash into the garage wall instead of backing out of the garage slowly. The home insurance coverage will pay for the damage to the garage, while the car insurance may then cover the damage to your car.

But what if there’s somehow another driver crashing their car into your garage or your home? Usually, this means that this driver’s insurance policy will come into play. But you need to keep in mind that their insurance policy also has a limit on the coverage. If that limit is just $30,000 but the damage to your home is worth $40,000 then you need to check your homeowner insurance policy to see how much your insurance will cover in addition to the other driver’s insurance policy.

This may seem like some sort of strange and extremely unlikely scenario, but it’s probably a lot more common than you may suspect. Just in September of 2017, the news was full of reports of such accidents:

  • In Hampton, Virginia, a car crashed into a home located on Big Bethel Road. While the living area of the house wasn’t touched, the damage to the garage was so severe that the structure was deemed unsafe after the accident.
  • In Overland Park, Kansas, a 20-year-old woman drove her SUV into a home, which left a huge hole in their garage. The garage was attached to the main part of the house, and the damage forced out the family residents into a hotel until the huge hole can be fixed.
  • In San Francisco, a car crashed into a home’s garage, and it caused the power to shut down in that part of the neighborhood. The damaged building’s structural stability had to be shored up, though some of the residents in the area had to be displaced due to the shutdown of utility services.
  • In Cleveland, Tennessee, a man was driving on a road when he suddenly swerved to avoid colliding with another vehicle coming straight at him. While he did succeed in avoiding a collision with the other car, he instead hit the corner of a house after plowing through the front yard. The driver suffered minor injuries, though no one else was hurt. He also passed a sobriety test.
  • The recent incident Fort Wayne, Indiana was even more serious. A man crashed his SUV into a house, and then immediately committed suicide by shooting himself. The house was fortunately empty, but it had been put up for sale. The house would definitely have to be repaired first before it would sell.
  • In Dallas, Texas, assailants fired multiple shots at a
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Comparison: Maruti Suzuki DZire New Model vs. Old Model

Planning to book the new 2017 Maruti Suzuki DZire for yourself or any of your family members? Read on to know what has changed on the new model.

Maruti Suzuki – a name on which India trusts has always found a trending spot in the automotive market. Adding to the heat, Maruti launched the new-generation DZire a few months back in the Indian market. And it was no surprise that the all-new DZire got overwhelming response by the buyers. This ensured that Maruti Suzuki is not going to lose its kingship in the sub-4 sedan segment, where rivals like Honda Amaze and Hyundai Xcent are trying hard to make a difference.

The launch of new 2017 DZire is not a general face-lift update. There are no small tweaks here and there. The new DZire has completely changed as it has become more premium, attractive, appealing and bold. No wonder, it has a long list of fans from all ages.

If you are planning to book the all-new 2017 Maruti Suzuki DZire new model, we have something interesting for you. Here, we bring you a comparison review between the new 2017 DZire and the old model so that you can know what all has changed on the new model.

Maruti Suzuki DZire New Model vs. Old Model

Exteriors:

The all-new 2017 Maruti Suzuki DZire is not a facelift avatar. Rather, it is completely redesigned from front to rear. It exterior design is highly inspired from the international-spec Suzuki Swift 2017, which is expected to launch in India in 2018. Suzuki’s Liquid Metal flow sculpted lines as seen on Maruti Baleno and 2017 Swift can also be seen on the Maruti Suzuki DZire new model. This gives the new 2017 DZire a bolder, wider and better road presence. The boot lid and roof line has also redesigned to give a proportionate look.

The old model DZire had a boxy exterior design, which wasn’t appealing to many of the prospect customers. It looked fat, bulgy and quite outdated. The 2017 DZire is 3,995mm long, 1,735mm wide and 1,515mm high, which is 40mm wider and 40mm shorter than the old model. Based on the new ‘HEARTEC’ platform, the new DZire is lighter, bigger on boot and better in fuel efficiency too.

The 2017 DZire new model has ‘Impact Design grille’ with thick chrome bezel on the front, which matches the exterior aesthetics. There is an all-new LED headlamps, LED DRLs, chrome highlighted bumper on the front which adds to the premiumness of this sedan. The redesigned rear has a new LED light guides, new LED tail-lamps and chrome highlights on boot lid. Overall, the exterior design, looks and aesthetics of new 2017 DZire is two generation ahead of the old model.

Interiors:

Maruti Suzuki has ensured that the all-new 2017 DZire doesn’t misses on the premium features anywhere. For which, the interiors has been designed with upgrading the plastic quality and overall fit and finish. The old model DZire scored low when it … Read More

Massage Improves Cerebral Palsy Patients’ Quality of Life

Cerebral Palsy is an all-encompassing term that represents a set of conditions that are characterised by different motor disorders: muscle coordination challenges and/or postural and movement dysfunction. “Typically, muscle dysfunction and deficiencies of movement do not grow worse over time,” says a teacher at Treloar. There is a 40 percent greater chance for boys to develop the condition compared to girls.

Cerebral Palsy Types

There are three distinct kinds of cerebral palsy.

  1. Ataxic cerebral palsy features poor balance and coordination.
  2. Dyskinetic cerebral palsy involves slowing of bodily movement and/or involuntary writing motions (controlled choreal).
  3. Spastic cerebral palsy involves painful contractures and muscle rigidity.

No matter what type of cerebral palsy it is, the likely cause is foetal brain damage in one or more parts of the brain. The damage can occur during early childhood (acquired), during infancy or the birthing process (congenital) or in utero.

If it develops after childbirth, in infancy the most likely causes are a viral or bacterial infection like meningitis, a motor vehicle accident, child abuse, trauma or fall on the head.

Some of the more common manifestations include breathing challenges, abnormal sensory perception, involuntary movement mobility or gait disturbance (frequently referred to as “crouch gait”) or muscle spasticity. Some other common manifestations include bladder and bowel challenges, skin disorders caused by sores, learning challenges, idiopathic seizures, speech impairment and difficulty feeding or swallowing.

Functional Markers

Childhood development has some common functional markers that may be witnessed in order to track cerebral palsy development:

  • At 2 months: Stiff legs that may cross when the child is picked up and/or difficulty breathing
  • At 6 months: Reaches with one hand only while the other remains in the position of a fixed position
  • At 12 months: Unable to stand up with support or not start to crawl
  • At 24 months: Inability to push or walk with a toy that has wheels

Cerebral palsy development has several different risk factors associated with it. Low birth weight and premature birth have both been directly attributed. Some of the risk factors that have been identified for in utero include RH blood factor that doesn’t match, viral or bacterial infections, placental abnormalities and deficiency in growth hormone proteins. During the birth process, risk factors that have been identified include head injuries and/or prolonged oxygen loss.

Although cerebral palsy is incurable, treatment options are still available. Since there are unique manifestations of cerebral palsy for every child, the key to helping a child is early detection as well as intervention. Major treatment options include complementary therapies such as massage, speech, occupation and physical therapy, computer technology for helping with communication abilities, walking aid devices such as braces and surgery for correcting physical abnormalities.

Massage for Cerebral Palsy Patients

One legitimate therapy option that can be used by cerebral palsy patients is massage therapy. One patient spoke about using massage as part of his treatment regimen. He stated that he focused on plenty of rest and a balanced diet. He noted that … Read More

Emissions Cheat Devices That Should Be Included in Roadside Checks

If you happen to be a standard or professional car driver that keeps up to date with the latest news, you are probably already aware the air pollution and emissions have become one of the more popular topics of today. As our atmosphere continues to decrease, we are always in search of the latest innovative methods to decrease the pollution that we create and ways to become a lot more eco-friendly. Due to the fact that most of the pollution we create comes from the vehicles on the roads, it comes as no surprise that this happens to be one of the main focuses. Today, there are new measures that have been implemented to catch the motorists who are avoiding the latest emissions guidelines.

About the Roadside Checks Changes

In August 2017, new changes will be implemented in the way the roadside checks are conducted on HGVs, coaches and lorries. The DVSA issued new guidelines that state that “new emissions cheat devices” are now included in all the roadside checks in regards to the HGV vehicles. “The DVSA will target operators that are attempting to cheat on their vehicle-emission regulations, those who abide by the law will not have to worry,” assures a spokesperson for HGV Training Prices. The department has hopes that they will be able to target these individuals. In this way, there can be significant improvements made to the air-quality as well as decrease the nitrogen-dioxide levels in the UK.

While the efforts implemented over the last few years has resulted in improvements in air-quality levels in Britain, there are still struggles present in lowering quantities of nitrogen-dioxide. This specific pollutant is linked to a number of health issues along with air-quality related diseases and illnesses, which is why it is so important to decrease this particular level. With more than 9,400 deaths each year associated with air-quality illnesses in just London alone, along with road traffic which is recognised as contributing a minimum of 50% of these nitrogen-dioxide levels, reduction of this particular chemical is one of the driving factors.

Fraudulent Emissions Systems

Over the last several years, a number of research teams from the DSVA enforcement staff along with their European counterparts found that a large amount of the HGV drivers use emission “cheat” devices in their HGVs, with the main goal of cutting operational costs. A few of these devices that have been found include:

  • Devices that have been designed to inhibit the “inbuilt emissions control systems” from operating correctly
  • Removal of a diesel particulate trap or filter
  • Using fake or cheap exhaust-reduction devices or the use of diesel exhaust-fluid in order to reduce the emissions reports
  • The installation of engine modifications that are illegal, these often results in emissions that are excessive opposed to the use of devices that reduce them
  • Bypassing or the removal of the exhaust gas “recirculation valve.”

Of course, any professional HGV driver should not consider conducting any of these cheats, especially when the vehicle that they drive … Read More