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FDAzar > Blog/News (Page 10)

Let’s Talk About Auto Insurance: Medical Payments

Medical Payments coverage is the final type of auto insurance we will be talking about. Medical payments, also called MedPay, works the same was as collision coverage but for medical bills. MedPay coverage will pay your medical bills and the bills of anyone in your car who is injured in a collision, whether you are at fault or not. This will include collisions with stationary objects. Now, you may be wondering what the difference is between MedPay and your health insurance. Well, MedPay can work in two different ways: as primary coverage or as supplemental coverage. If MedPay works as...

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Let’s Talk About Auto Insurance: UM/UIM

As we have already discussed you are required to hold liability coverage if you drive in the state of Colorado and most other states. However that does not mean everyone carries it. Many people do not have auto insurance which can cause a headache for you if you are in a collision with someone who is uninsured. In fact, about 13% of drivers on the road are estimated to be uninsured. So if you are in a collision with someone who is uninsured and the collision was their fault, who is going to pay for your medical bills? Well, if...

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Let’s Talk About Auto Insurance: Comprehensive Coverage

We have talked about liability coverage and collision coverage and to wrap it all up we need to talk about comprehensive coverage. Comprehensive coverage covers everything else that collision coverage does not. This includes hail, fires, theft, vandalism, animal collisions, and floods. Basically, it covers everything that damages your car that is not a collision. How much does comprehensive coverage cost? Comprehensive coverage works the same way as collision coverage with a deductible. Because the events that result in comprehensive coverage loss being used are less common than collisions, deductibles tend to be lower. The average comprehensive deducible in Colorado is...

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Let’s Talk About Auto Insurance: Collision Coverage

In the past two blogs we have talked about the kind of auto insurance you need to purchase to make sure the other party in a collision is taken care of. Now let’s talk about how to make sure your property and injuries are taken care of. In this blog we are going to explore property damage coverage to protect your vehicle. We will be talking about the insurance that takes care of your medical bills in another blog in a few days. “Collision” coverage is different than property damage liability because liability is no longer an important factor. Collision coverage...

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It’s that time of year again… Birthday Season

Most of us know at least one person who shares our birthday, maybe two.  But what if you were born in late summer, or more specifically in August? Chances are you know more than just a few people who share your birthday, and that’s because August is the most common month for births across the United States.  In data kept by the United States Center for Disease Control, birth records have shown consistently over the past several decades that August is time and again the most common birth month.  So, August is the most common month, but what is the...

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Let’s Talk About Auto Insurance: Liability Coverage- Property Damage

Yesterday we discussed the first part of liability coverage called bodily injury coverage. The second part of liability coverage is called property damage liability. Property damage liability pays for the damage that the liable party causes to another vehicle. To learn more about liability check out the blog from yesterday about bodily injury liability. So, what does property damage liability cover? Property damage liability will cover the damages to any property of the other party(s) involved. This, of course, includes their vehicle, but it can also coverage things such as buildings and fences that you may collide with. Property damage liability...

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Let’s Talk About Auto Insurance: Liability Coverage

Most people know that you are required to have insurance if you drive. The most common kind of insurance that is required is called liability coverage. “Liability” coverage actually breaks down into two different types of coverage: bodily injury and property damage. Today we will be talking about the type of liability coverage that covers bodily injury. Property damage liability coverage will be discussed later. So what is bodily injury liability coverage, i.e. liability? Well, before we get exactly into what it is, we need to talk about what liability is. Liability is “the state of being responsible for something, especially...

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Let’s Talk About Auto Insurance: Introduction

Let’s face it, car insurance is complicated and can be confusing at times, especially if you’ve recently been in an accident. There are 5 major categories of auto insurance you should be familiar with. Some are required by law, and others are not. In this series we will be covering one type of insurance each post and giving you the details on what it is, what it covers, and if you need it. Check back each Monday and Thursday to learn about another type of insurance and as the blogs get posted we will update this post with the links! ...

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The Epitome of Automobiles. NASCAR and how it all started.

NASCAR has become a staple of American culture and is generally revered as one of the nation’s biggest sports. Though on the surface NASCAR may seem like it’s just about car racing, the history of the sport is far more complex. Today NASCAR vehicles can travel at up to 200 MPH, speed through stadiums that hold 170,000 spectators, and cost millions of dollars to create. But that wasn’t always the case; in fact the first cars that made up NASCAR were regular cars that anyone could drive and have their history intertwined with American law. Since the creation of the United...

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The History of the Bicycle Helmet and why you Need to be Wearing One

Most people generally know it’s a good idea to wear a bike helmet, yet not that many of us consistently wear one. People who bike long distances as a sport or exercise generally do wear bike helmets, but the real problem is people who ride leisurely. Here we will lay out the history of the bike helmet, and give you some facts about how they can protect you. The first widely used bicycle was the Penny-farthing. This was the bicycle that had a very large main wheel and a much smaller wheel in the back. The name came from the British...

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