Have you ever wondered how insurance rates for automobile insurance are calculated? There are several factors interested, one of the most considerable being the ISO Symbol given to your particular make of vehicle by the ISO. The Insurance Services Office, Inc. (ISO), established in 1971, is a leading resource for insurance carriers looking for information about risk. The ISO analyzes data and statistics about vehicles to provide insurance carriers with rating information about a vehicle’s theft susceptibility, safety features and cost to repair. Insurance carriers bag this information through ISO symbols for different makes and models of vehicles.
Vehicle Series Rating Program
The purpose of vehicle series rating is to match premiums to loss experiences for different makes and models. A high ISO rating means a more expensive insurance rate. The ISO adjusts these ratings periodically when new loss statistics are analyzed.
Surcharges and Discounts
If your vehicle has a high ISO rating, it can mean a surcharge of up to 25 percent on your auto policy. Discounts of up to 20 percent are offered for vehicles whose low ISO rating means they will fare better in vehicle accidents and cost less to repair.
Factors Considered
ISO considers several factors when determining the rating for a vehicle, including loss experience, vehicle size, body construction, wheelbase and horsepower. Recent findings by the ISO have shown SUVs in a more distinct light than in earlier years. SUVs have had better loss experience than sedans and some other smaller vehicles. Cars considered “sports cars” are almost always issued a high ISO rating symbol.
Rating Symbols
Two rating symbols are given for each originate and model. One rating symbol covers bodily injury and property damage. The other symbol applies to medical payment coverage. The rating symbols correspond with the vehicle identification number (VIN) of the automobile.
Top Safety Picks of 2009
The top safety picks of 2009 were the Acura RL, Ford Taurus, Volvo S80 (large); Acura TL, Honda Accord, Subaru Legacy (midsize); Saab 9-3, Volkswagen Eos, Volvo C70 (midsize convertibles); Honda Civic, Subaru Impreza, Mitsubishi Lancer (small); Honda Odyssey, Hyundai Entourage, Kia Sedona (minivans); Ford F-150, Honda Ridgeline, Toyota Tundra (large pickups); Toyota Tacoma (small pickup); Audi Q7, Chevrolet Traverse, Saturn Outlook (large SUVs); Acura MDX, Honda Pilot, Subaru Tribeca (midsize SUVs); Ford Run, Mercury Mariner, Volkswagen Tiguan (small SUVs).
Source:
http://www.iso.com/
Filed under Auto Insurance by on Mar 15th, 2011. Comment.
There were a few men, mostly lawyers. Gary’s professional connections, his acquaintances from Yale and the law review. Now they were in his or other government agencies, or federal alums who’d gone to private firms.
But there were mostly other women there. Some of them lawyers, too. But overall, a more eclectic bunch. The preponderance of women was embarrassing, thought Joana. But it also figured. He was the kind of man who related best to women, who dated them once or twice, then built a friendship out of talking about dating, organizing mass outings that were sexless not just in fact but in feeling.
“Hey,” a typical message would say. “This is Gary. Long time no contemplate. Listen. A bunch of us are getting together Saturday at Glen Echo for ballroom dancing and it would be great if you could join us. Bring someone or reach alone. Either way. No need to call me, but lemme know if you need a ride or something. We’ll meet at the entry to the Spanish Ballroom around nine.”
The chemistry wasn’t right, women would say about him, but he’s a really nice guy. “I don’t know why-he’s not awful looking,” they’d report. “But I’m just not that attracted to him.” Maybe they could fix him up with a friend, they’d say.
So, Joana mused, looking around the room. Here they were, assembled. The starters from when Gary first moved to D.C. The friends they plot him up with after their own tepid date or two. The friends’ friends. A little convention of professional women in their late twenties through mid-forties. A few now with boyfriends. A recently acquired husband or two.
Everyone was tense and earnest, gathered in the dim living room. The sofa, the chairs, the floor all covered with FOG-Friends of Gary-making self-consciously casual chitchat, waiting for a few stragglers. The host, Arnold, welcomed each guest with a sober smile. “Glad you could obtain it. Just effect the food over there on the table. There’re sodas in the fridge.”
Finally, the group settled down and Arnold introduced his sister, Laura, an obese woman rabbi from Pittsburgh who’d been planning to near to town anyway to see her new niece and offered to sort of get things rolling, Arnold said. He asked a man in a wheelchair to turn off the little air conditioning unit so everyone could hear. That made the room even closer, the air that mighty thinner. Joana felt that she would suffocate.
“Why don’t we acquire started? ” Rabbi Laura said, squinting through thick glasses, brushing alarming clumps of hair off of her front, a displaced dining room chair creaking beneath her bulk. How nice would a dress have to be to recognize nice on this woman? Hard to imagine, Joana thought, edgily eyeing the smock-like outfit, the acres of blue denim. She knew better than to talk about it, but repulsive things, ugly people, made her physically ill. It was a true hardship. Not the kind people felt sorry for you about, but nonetheless real. Like bad allergies or an ulcer.
“I didn’t know Gary,” said Rabbi Laura. “But if so many friends took time on a beautiful Saturday afternoon to pay tribute to him, he must have been a noteworthy man.” The rabbi sighed a lot between sentences, a kind of stagy, emotional assure, somewhere between spirituality and asthma. It gave Joana the willies. She wondered if she were the only one.
Her have absurdly reform congregation, growing up in Potomac, had put a higher premium on guitar sing-alongs than sermons or prayers. Lots of “Blowin’ in the Wind” and “If I Had a Hammer.” Every now and then a half-baked “original drama by the children.” And even these artsy agendas were an annual phenomenon around the High Holidays. Weekly services were for fanatics, she’d been sure.
Sunday school in Rockville had been a joke, an excuse to flirt and discuss TV shows and eat bagels with cream cheese. A chance to compare the fits of everyone’s new jeans and blouses or the gaudiness of their mazuzas. When every now and again a hapless teacher actually tried to impart knowledge-the Hebrew alphabet, a Bible story-the efforts would be met with surly stares, muttered conversation, passed notes, and even stupored heads on crooked arms, faces down on the plastic, wood-grain, fold-up tables beneath the overbearing fluorescent lights.
To her parents’ quiet, head-shaking anxiety, Joana had declined the bat mitzvah. Some of her friends memorized their torah readings phonetically, approximating the thin, Oriental melodies they’d heard a thousand times on their tapes. But what was the point, chanting this gibberish? Becoming a woman? She thought not. She wasn’t sure then how that would happen, but she knew a bat mitzvah wouldn’t do the trick. She didn’t want to be tutored for a year by some glum, cagey Israeli University of Maryland grad student while her friends went out for track. It seemed so medieval and cultish. Religion-any religion, but her own most of all-made her skittish. And listening to this awful woman rabbi was end to unbearable.
“When someone dies,” the rabbi said, “particularly when they die in the manner Gary did, there are many emotions.” Sigh. “There is sadness.” Sigh. “There is frustration.” State. “There is anger.” Sigh.
Joana wanted to giggle. In order not to, she concentrated on her San Tropez panties beneath the cooling sheen of her short, black sundress. The breezy feel of the frail, delicate silk at her crotch. The waxy string sides, more naked than nakedness. The delicious pull of the back-not thong, but sensuously narrow. She closed her eyes and hoped the others would believe it was regret and sorrow.
Since her late teens, she’d reveled in owning lingerie. Through college and her master’s and the years since, her tastes had become more costumey and erotic. She didn’t wear it always. She had the Hanes, the Fruit of the Loom, the Jockey, for everyday. Just now and then, when she needed its emotional, visceral reinforcement to shore up her confidence or take her to sweeter places. During exams or job interviews. Waiting in line at the motor vehicle department. Accompanying her sister Maureen on errands.
But the lingerie was particularly vital when contemplating death. It had gotten Joana through her grandparents’ funerals-a teddy with lace at the midriff for grandma Bess, red Moulin Rouge culottes with a matching camisole for grandpa Hal. Tastefully concealed, mind you, beneath proper dresses knee-length or longer. Her mom’s passing was particularly difficult. Mrs. Schuler had died relatively young of multiple sclerosis when Joana was a senior at Tufts. For that, a tarty purple French-cut bikini bottom framed by garters and thigh-high stockings, and topped with a semi-transparent bustier.
As their bodies were lowered into the ground, Joana had indulged in wild sexual fantasies involving the outlandish outfits, several men, and feathered masks. She’d felt awful about it, but also blessed that she had this strange mental apparatus. The bodies meant nothing to her. She’d loved them all when they were living and in her reserved but precise design, she’d let them know that. But the corpses had nothing in common with the living people who’d shared their features, and she was unable and unwilling to bawl for them. The mourners would offer her condolences, then, as if embarrassed to mention it, vow her how strangely beautiful she looked. How she had a lovely glow even at such a murky time. How strong she was. They didn’t realize.
But Gary she’d known only casually. Besides, it was hot. So today, the simple pastel blue panties, made in Italy and delivered Federal Express by catalogue from a boutique in Toronto, were her only dash from the dour here and now. She pictured their minute waves and folds, their sheen and ravishing effervescence as she twirled gently around in front of the closet mirror.
“Sometimes when words aren’t adequate,” Rabbi Laura said between the obnoxious sighs, music can help us to occupy … and to confront … our conflicting emotions. If you’ll all focus on the candle and the bowl of water on the coffee table … I thought we could begin off by singing a negun, just a melody with no words.”
With that, the rabbi started la-la-ing in a hoarse, slightly hammy alto. The group hummed along, with a few bold la-la-ers taking the lead, the loudest of them-a man with sweat soaking through his Oxford shirt-utterly off-key. If he’d tried, he couldn’t have been more distant from the cloying tune. It was an actual tritone away, a hoarse, monstrous organum, almost wailing, as if from some crazed monk. Joana stared at him and shuddered.
Then they went around the room introducing themselves and saying how they knew Gary. Sure enough, the few men knew him professionally and not terribly well. And the women-a teacher, a stock broker, a TV news producer, an ad firm account manager, two attorneys, a dentist, a general surgeon, a restaurant manager and Joana-had either dated him, fixed him up with other women, been fixed up with him by other women or otherwise counseled him on his adore life. They chuckled uncomfortably at this farcical element of the gathering, for it was too striking and too absurd to simply ignore.
This was a morbid social house of cards built on the hollow ego of a lonely man, Joana opinion. And now it had collapsed into this ungainly pile of strained emoting. She wished herself elsewhere. God was it hot. The backs of her knees felt sticky and a little raw against the sofa’s stale-smelling, rough upholstery.
Joana knew-all these women knew, they must have-that they were just the tip of the iceberg. At the thought, she shook her head and looked up at the ceiling. There were so many others, she was determined. (This time she didn’t care if anyone noticed her, but if they did, they likely thought she was overcome with grief, appealing quietly to the heavens.) Cindy, for instance. Cindy, the banker friend who’d gone out with Gary and suggested that he call Joana, wasn’t in the group. Had she not been told? Had she washed her hands of him? Joana hadn’t thought to call her, figuring that the secretary who somehow had Joana’s number would certainly have let Cindy know. And she was objective one, Joana was obvious, of coutnless missing links in this romantic Ponzi draw. Surely there were other Cindy’s. Lots of them. Even if they weren’t on a readily apparent phone or e-mail list. Gary had taken in all womankind.
Some of the women recognized each other from the group outings-the karaoke sings at Japanomatic or the get-togethers at Twister Alley in Wheaton to dance to the Prairie Pals. “You’re Jessica, right? We met at Bob’s Billiards that night. Good to see you again.” Then a resigned inspect. “But I wish it were under better circumstances.” That was a typical variation on the afternoon’s mantra.
At least Joana had escaped those vapid group get-togethers despite Gary’s best efforts to snare her. If she weren’t his date, he wanted her as one of his outing groupies. But she hadn’t succumbed to more than that one awful evening with him. She didn’t become, she thought with relief, fragment of his now-abandoned, nomadic, platonic harem. She didn’t need him, like so many others seemed to, just to say, come Fridays and Saturdays, that she had some location to go. She went where she wanted. She always had. More often than not, she preferred to be alone. When she wanted company, she wanted it to be finite and stimulating.
No one here knew her beyond her brief introduction, and now, especially, she was glad she’d said so little about herself. “I’m Joana. I went out with Gary once, and when I heard, well, it seemed like such a ruin. I had to be here, I guess.” She’d really told them nothing. She was a stranger. Anonymous. And that, she now saw plainly, was for the best.
Rabbi Laura suggested that anyone who wanted to speak say something they remembered or thought or felt about Gary. Her brother, Arnold, the host, read a passage from Bertram Russell that in its own windy way seemed to say you shouldn’t feel guilty if everyone finds you totally unapproachable and distant and can’t confide in you. The wording was a tiny baroque, but Joana liked the sentiment. Bertram wouldn’t be here, she thought to herself.
The woman in advertising showed a video of a local news broadcast in which she and Gary were interviewed at Umbria Restaurant’s grape-stomping festival. Gary had invited Joana to the grape stomping, the restaurant’s annual promotional gimmick, but she’d begged out with some feeble excuse. Watching the video, she was glad she had. It made her sad to watch. The group Gary had organized, the uneasy, fixed smiles on their faces as he sang the aria with the hired tenor. Gary knew the aria well. That was impressive. But there was something brash and off-kilter about his joyless spontaneity. It was that void beyond his work and noise and exhibitionism that had made Joana cringe on their one date-to Blues Alley in Georgetown. And it unsettled her again now watching him on the staticky, faded videotape of the schmaltzy opera performance at the dowdy Italian restaurant.
The dentist said she’d once counseled Gary about a personal ad he’d placed in City Paper. It was all wrong, she’d told him. “You’ll never regain a date with this thing,” she said. “Let me rewrite it.” She did, the dentist recounted with a straight face obviously destined for a punchline. Whatever the story’s kicker was, Joana knew she wouldn’t find it comic because the chronicle seemed pathetic and sordid to her. She was humiliated she’d gone out even once with this desperate man who sought mates in the newspaper, and she was now sorry her conscience had compelled her to come to this morbid gathering.
The respondents to the revised ad, the dentist said, smiling with a hopeless mirth Joana didn’t like, were an incarcerated woman and another who was in her late fifties and lived on an Eastern Shore farm with her ancient, ailing parents. The woman in her fifties emphasized that she was still a virgin, still waiting for her soul mate.
Gary struck up a long-lasting correspondence with both these women. “That’s just the way he was,” the dentist said. But then he ran the ad he’d written and gotten “just dozens of dates,” she beamed. “All ample women.” Great women like these, Joana thought, looking around and feeling a little light-headed. Great women like me, sucked into this helpless man’s vacuum of emotion.
The stock broker remembered how fond Gary was of brownies. How he was, in fact, a brownie connoisseur. When he bought, it was only from Tivoli. But the ones he made were even better, she said. She’d once glanced in his refrigerator and seen eight tubs of sour cream. That, she said, was his secret. “I guess I can reveal it now,” she said, then laughed, then broke into sobs and someone handed her a box of Kleenex.
A couple talked about how Gary had sung “Mac the Knife” at their wedding. And not only that, they’d said, but it was the best rendition of “Mac the Knife” they’d ever heard. Better than Sinatra. That’s droll, said another couple. He’d done the same thing at their wedding.
When the restaurant manager had been between jobs the summer before, she said, there was suddenly a flurry of outing messages from Gary. Sing-along nights at Mr. Henry’s. Alvin Ailey at the Kennedy Center. A Myrna Loy festival at the American Film Institute. She’d felt so lost that summer and Gary steered his social-life raft her way, she said. When she found a recent job, the invitations fair as quickly, and unbiased as subtly, ebbed.
The remembrance was meant to show how profoundly generous and tactful Gary was. But, Joana conception to herself, looking down at her sleek leather-strapped espadrilles, Gary probably figured, with Sharon insecure and jobless, he might actually have a chance of bagging her.
Joana had fled Gary after just a goodnight kiss that one chilly October night. Gary had blabbed on and on about be-bop and what a brilliant bassist Ron Abner was, and how Reuben Blake, a local pianist, should have become rich and celebrated instead of being sidelined by a stroke. Gary made a point of going up to the players between sets and shaking their hands and asking about various D.C. jazz musicians he had heard and what were they up to now and where could he win this or that hard-to-find album. How the vinyls somehow seemed to have a soul the digital versions couldn’t touch, and was that his imagination or did it have to do with the remixing? On and on.
Even the players, after a while, seemed to realize the talk had no real personality behind it. That it was like radio chat. Filler. White noise. Gary really did seem to know a lot about jazz, but it was knowledge in pure crystal perform, undiluted, undigested and indigestible. Show-offy smarts. Despite it, he didn’t really seem to find anything affirming in the music, and the players seemed to figure that out after a few minutes. The evening had left her cold and she’d been anxious to get away from him. When she’d gotten home, she had to decompress, take a bath, channel surf, and she’d felt, for no particular reason, like crying.
But though many of the women around her were balling away now, Joana couldn’t have summoned tears if she’d tried. The stories, the recollections, kept coming. They were torture to Joana and she couldn’t understand why the group was putting itself through this. For whom? For what? What did it solve? Who would it help? Was it really solace to them, these acquaintances who’d known so little about Gary? Is that what they were crying about? That they’d been oblivious to his sorrow? That he’d been oblivious to so much, camouflaged by his bland extroversion and whirlwind of activity? These shallow recollections explained nothing, resolved nothing.
Were they crying, as Rabbi Laura suggested, because they would have been there for him if only he’d asked, if only he’d leaned on them, if only they’d known? Joana wasn’t at all sure that was factual. Gary was uninteresting enough when being friendly and energetic. Imagine if he’d been a morose whiner as well as a fake.
He was so very meticulous, was a recurring theme. The neatest desk in the office. Never even a folderless file on his computer. He was meticulous even in doing himself in. Not only had he left the letters in his pockets-one to family, one to friends-and the will. But he’d left the vaccination records of his two cats, Romulus and Remus, stacked neatly on the dining table of his shipshape little one-bedroom Roslyn apartment. He’d even left instructions on how often to change their flea collars, and when the next change was due. A note on the best combination of dry-to-canned food for the sake of their urinary tracts.
The strange thing, said a colleague named Matt, who seemed to have known Gary just a tad better than the others did, was that Gary had also made plans for the months ahead. Tickets to Wolf Trap and a local Democratic fund-raiser. Reservations-non-refundable-for a Chicago trip in the fall for his grandmother’s 90th birthday. Maybe it showed he’d had doubts about whether he’d really go through with it. Or maybe he’d decided absolutely to kill himself, but only after he’d decided absolutely that he had to hear Chaka Khan one last time. Then, maybe, he’d listened to “Through the Fire” on his stereo and figured that was good enough.
Or maybe the tickets and reservations were a lawyerly contingency plan in case there were some logistical problem-an unexpected relocation while his office was sprayed for bugs. Something like that. Maybe he just wanted it to go well, had rehearsed it down to the suit and tie and shoes he’d wear, gone over it again and again in his mind like “Mac the Knife.” And maybe if some chaotic chance event were going to interfere with this last flawless performance, Gary would have to postpone it and would want to sit at a table with a Kennedy and go to Chicago to toast his grandmother before he’d have another chance. Maybe he unprejudiced didn’t want to be bored between suicide attempts, thought Joana. Maybe it was worth the money in his tight budget to keep himself entertained in case he had to live a minute longer.
But it was all maybes. The speculation was a curse he’d left behind. The note to the friends explained nothing and offered no real comfort. It said he’d hidden his troubles and his afflict too well, and that they shouldn’t feel guilty for not realizing how despondent he’d become. But of course in denying their guilt, he’d assumed it would be guilt they felt. And the denial itself was an inducement and indictment. Like saying don’t think about a pink dinosaur with heart-shaped spots all over it. The stamp was the penultimate fuck you, Joana realized. A lawyerly jab to the gut disguised as a final considerate gesture. Penultimate to the final fuck you. The fuck you to end all fuck you’s. The mother of all fuck you’s. The lunchtime swan dive from the roof of the Federal Trade Commission. In the midst of this posthumous lovefest, she felt the purest hatred. A hatred so unpolluted it gave her a sudden strength as she looked around at these silly women. They didn’t even seem human to her, they were so misguided, so illogical.
To wrap things up, Rabbi Laura sighed some more and talked about the Jewish belief in hereafters. It was a common misconception, the hideous, loud woman explained, that Jews didn’t acquire in an afterlife. Perhaps not a heaven or a hell, she said. But they do believe-they have, since ancient times-that one learns some lessons in a lifetime, but misses others. And that in another lifetime, the person comes wait on and fills in those gaps. Again and again. Through time, through an infinite seminar of lives in different circumstances, he or she learns more and more of what makes up the whole of an ideal. The person, in his or her many incarnations, may never quite come the ideal, but coming closer and closer, it is in the striving that the transcendence of the human spirit is manifest, the rabbi said pompously. We call this the rotation of souls, she said. And, she concluded, “It’s clear that in this lifetime the lesson Gary learned so beautifully was how to give, and that what he’ll have to work on next time is how to take.”
With that, the rabbi lead the group in the negun again and the impromptu ceremony was over. After a few moments of awkward silence, people sidled over to the dining room table and loaded paper plates with pasta salads and squash soufflé and desserts.
“Wasn’t he Greek? Wasn’t he Greek Orthodox? ” Joana asked the dentist. He’d gone on and on about it at Monte Carlo over their London broil before the jazz club. Not that Joana had particularly given a shit, but he was like that, fleshing out the random details of his life like a politician in a Barbara Walters interview. Get to know the Gary behind the Gary. Seemingly flustered and fueled by Joana’s silences-she hadn’t meant to be rude, but she was never chatty-he’d told her about Father Dmitri and the old youth group and how he serene kept up with all of them.
“Technically. But he was really an agnostic. He was pretty adamant about that.”
“Either procedure …” Joana shrugged the implied question, looking over at Rabbi Laura.
“I think Arnold felt it was important that there be some structure to this,” the dentist said. “Anyway, it doesn’t matter. These things are universal.”
What things? What are you talking about? Joana wondered. But she let it drop. “Why wasn’t anyone from the family here? ” she asked.
“They’re coming in for the formal service at the FTC on Tuesday … Did it really bother you that it was a rabbi? “
“No, I guess not,” Joana said. Duh. Of course it bothered her. He was Greek Orthodox. It was ridiculous. But what was the point in arguing about it? Who really cared?
Joana looked at the food. She was hungry from the hour on the elliptical she’d substituted for lunch, but she couldn’t touch it. It looked too rich. Poisoned. She had to get out of there. She said a rapid goodbyethankyou to Arnold and fled to her petite convertible. She drove quickly from the depressing little Takoma Park house to her Biltmore Street apartment in Kalorama. She realized she’d left the Tupperware with the salad at Arnold’s. Fuck it, she thought. That was one house she’d never go back to. And she hoped she’d never run into any of those people again.
She peed and brushed her teeth and splashed cold water on her face. She had some left-over pad Thai and sat down at her drafting table. It was a project for the symphony-a good, steady client for four years straight. She’d hooked up with them through Maureen, who was a third-stand cellist. Joana felt gleeful having something concrete and sensible to think about after the maddening slay of an afternoon. Lots of elements to work with. She fiddled with the brochure layout, trying different schemes for having the maestro peer out paternally over the inherently dull grid of the season schedule. Hmm, she thought, Yo-Yo Ma’s playing the Elgar. Maureen would like that. It was one of her favorite pieces, and Ma was her hero. He’d done the Dvorak the year before and Maureen had raved and run off to B&N to buy his latest recordings. The best soloists reinvigorate a symphony, she told Joana. And with Ma, there’s no bullshit. He’s a pro-humble and easygoing. That, of course, was also a pretty fair description of Maureen herself.
Joana sometimes hated to be with her little sister because of the air of disorderliness and hazard that clung to her. There were always crumbs and near misses at crosswalks. The stick didn’t seem to help. She didn’t think Maureen ever learned to utilize it right or something. Then there was Kaiser, who was adorable and dutiful. But even Maureen, despite her loyalty to him, was tempted to ask if he couldn’t be replaced with a dog that smelled better. The vets never knew quite what to make of it, but it really seemed that there might be something seriously wrong with his GI tract.
But though she girded her strength for visits and errands with Maureen, and often found her unrealistic and scatterbrained and hopelessly naïve, Joana also worshipped her and relied on her, easily as much as Maureen needed her. If their roles had been switched-if it had been Joana whose corneas inexplicably and suddenly peeled themselves off of her eyes like poor-quality shrink wrap-would she have fared a fraction as well? Hell no. She would have lost it. She would have become psychotic, taken to drugs or something. Sat in her room and gotten fat and refused to bathe until she forced her family to commit her to some kind of institution. No, she wouldn’t have continued at Peabody and incrementally adapted the way Maureen had. She certainly wouldn’t have become even wiser, even more mature, more compassionate, because of it. If it had been her instead of Maureen, she would have become terribly bitter. That it might some day happen to her, too, was her very worst nightmare. When that happened in the chronic bad dreams, she shot up in bed, the sheets soaked with sweat, shivering and sobbing.
Joana arranged and rearranged the iconic variables of the symphony brochure, played with color charts to find something resonant with the previous seasons’ schedules but with just a few refreshing distinctions. Comparing shades of salmon and flesh tones on the oversized screen, she suddenly remembered that Gary had different color eyes. One was brown, one a pale hazel. Queer the way these things come back to you, she thought. He’d been so physically awkward that night in Georgetown. Self-conscious, it seemed, about his posture, blushing when she’d happened to look over at him while he was chewing some ice cubes at the club. She didn’t give a shit if he chewed ice cubes. She’d unbiased happened to look over at him, that was all. He ever so tentatively took her hand when he kissed her on the cheek before putting her in the Liberty cab.
What had he wanted from her? What had he wanted from anyone? Sex? Company? A listener? An audience? None of those seemed to be the right answer, though they were all true. There was no right answer, she supposed. And when he’d realized that was the right answer-that no one had anything he wanted-he’d killed himself. It wasn’t that he didn’t know how to choose. It’s that he was dissatisfied with the selection. It was the ultimate selfishness. Joana shook her head, pulled up a drafting program, and started playing with proportions.
After about an hour and a half, the cavernous two-bedroom apartment-rent control, a real prize-seemed unbearably still, the light the sad smoot-filtered low voltage of late summer dusk. She rested her eyes a moment and leaned assist in the high, lumbar-support chair, then got up, brushed her hair, and walked the couple blocks to Soleil in Adams Morgan.
She ordered a scotch old-fashioned at the sleek bar, and cherished the numbing, earth-bound slowness it delivered, losing herself in the textured acid groove coming over the speakers. She basked in the powerful air conditioning. And she admired the smart, flattering lighting, the cutaway walls and gigantic mirrors.
A woman sat next to her on the only empty stool and ordered a Pernod. Joana watched the clear liqueur turn its milky, pale yellow as the bartender added water to the woman’s grand glass. She wondered if the yellow were one she could use. How would you produce its density? She’d have to try to mix it on her Chameleon program.
“That filtered? ” the other woman asked the bartender. “The water, I mean. Do you filter it? ” The city had lead in its pipes. It had been in the news a lot.
“Don’t worry,” the bartender said. “It’s Poland Spring.”
“Great,” said the woman. “Thanks. Pretty, isn’t it? ” She’d turned to Joana, who hadn’t meant to stare.
“Sorry,” she said. “I’m a graphic designer, and I was objective thinking about that color, if I could use it for a project I’m working on. Just spacing out.”
“No problem.” The woman sipped her drink contentedly. “You’re waiting for someone? “
“No. … You? “
“No. … But if you were waiting for someone,” the woman said, “who would it be? “
It was a very weird question, and the woman must have known it, because she laughed awkwardly, self-consciously, and played with the rim of her glass and looked down at her parachute-panted knees. Joana didn’t know what to say. Was it just nonsense nervous conversation, the way hyperactive boys with nothing to say blurt out, “How now brown cow”?
“Um …”
“It would be a man or a woman, is what I mean,” the woman said.
Oh. “It would-uh-it would be a man. I’m flattered, though.” And she was. “Sorry.”
“No. No, I’m sorry,” said the other woman, who, without even finishing the other two-thirds of her drink, laid down a ten-dollar note. She looked over for change at the bartender but he was helping someone else. Flustered, the woman fair left the ten there, gathered her little pocketbook from the floor and walked out, muttering, “My mistake.”
Maybe the woman had seen Joana looking around and thought she was, well, looking around. Joana sucked a cube, chuckled to herself, paid, and left. Eighteenth was teeming with the juvenile crowd. Eighties bubble-gum pop throbbed from Déja Modern across the car-clogged street, and grinding dance bass riffs pulsed from Vistas. Near the the three-way intersection with Columbia and Adams Mill, every narrow bar had a different beat-reggae, conjunto, jazz lite, blues. She withdrew some cash at the ATM and figured she’d go win a video when she passed Viva Cuba at its new location. The grand opening crowds of several months ago had disappeared. The doorman, nicely dressed in a svelte, tangoey murky suit, eyed her appreciatively-a flirt too open to be objectionable-and said, for her, no mask. She smirked and kept walking. Then stopped and turned assist. Why not?
Inside, she checked out the different floors. She had another drink in the third-story café. It was nice. Quiet Spanish guitar music, with interesting, teasingly sensuous photos lining the walls. She found a little round table a couple had just left, and sat on the high stool enjoying a sangria. Three men-preppy, young, and nice-looking-talked law school at the next table. One caught her survey, and his was caught in turn. Relaxed, undaunted, he asked her if she wanted to join them, and she did. Brent, Harry, and Scott were their names. While Brent and Harry seemed jerky and aggressive in a warmed-over adolescent way, Scott, who’d asked her over, seemed straightforward and pleasant. Final year at GW, he said. They were celebrating the slay of their treacherous summer internships. Did she want another?
“Just water, please.”
“I’m sorry. They’re really not bad guys. They’re just fidgety or something tonight,” Scott apologized after his buddies had grudgingly been shooed away by him. He had a gentle squinty confidence about him. He was great, and dressed nicely in Send slacks and a soft, maroon, short-sleeve polo that flattered his relaxed, broad frame. There was a little weekend stubble and fatigue that only accentuated his studenty youth and energy. She was very attracted to him.
“They want to accept laid,” she said, enjoying the shock value.
“Well, yeah,” he nodded, taking her in. “I suppose they do.”
He looked bewildered and thrilled as Joana led him wordlessly downstairs to the salsa dance floor. It was crowded, but in a cheerful, celebratory way. Not pushy. Lots of excuse-me’s as the intermingled yuppies and workadays, Hispanic, black, Asian, and white, carried Coronas to their dates. Scott moved with an easy grace. And Joana knew that as he watched her own contented, angular gyrations, he was falling under her spell. She had a look of fun-overcoming-skepticism that captivated men and had since she was a girl. Pale with her thick, black page-boy prick, toned, with a cutely contained lankiness, she well knew her looks’ quiet, potent authority. And she could tell, as the DJ navigated the giddy crowd through its pressurized contortions, that Scott was cataloguing the breadth of his budding infatuation with her. She enjoyed his breathless, helpless scanning of her, as reflexive and natural as gooseflesh in cold.
“Will you hobble me home, please? “
“Sure,” he nodded. The drinks had hit her, and the quick trudge felt like slow motion. She’d stepped into the anti-matter of anticipated pleasure, feeling it grainily portion before her and close again slow her in the humid night. And she hoped Scott felt it too. It was what she most liked to share in life.
At her lobby, she took his unsure hand, looked him over with a moment’s strange conscientiousness, as though she’d quiz herself later, then kissed him deliciously.
“Are you scared of me? ” she asked without smiling, then smiled.
“I just didn’t expect this,” he said, and she was cheerful he didn’t pretend that he had. “Did you? ” he asked.
“I did. And then I didn’t. And then I did again.” She grinned and looked down at their hot, joined hands.
He laughed a quiet laugh, shook his head, and they rose in the mature, caged elevator.
Inside, she made them decaf cappuccinos-good, frothy and strong with traces of cocoa and cinnamon on top.
“These yours? ” he said, looking over the vanity wall of framed posters, brochures, and ads she’d done. She nodded. “They’re … I don’t know much about what to look for. But they’re striking,” he said.
“That’s what to spy for.” She joined him and studied him the way he did the wall. “Sometimes people look for too much.”
He bit his tongue in order not to say she, too, was striking. It would have sounded unpleasant, and contrived. But it was factual. Bird-limbed and coyly suspicious and hungry looking, her weight on one sharp hip, cupping the oversized Williams and Sonoma mug, blinking, basking in its homey warmth. She was something else. It was a great apartment, too, he thought. So gargantuan. Nice and dry and cool.
“You like Ella? ” she said. “I’ve been listening to a lot of Ella.” She looked, for an instant, soft and reaching. But it vanished almost as quickly, displaced again by that unpredictable willfulness, that nameless edge that taunted and provoked him.
“I’ve only heard her a little, I think,” he said. “That sounds glorious.”
They danced and kissed and she felt his excitement. At that, he pulled away a little, but she pulled him back. “Don’t be embarrassed,” she said. “It’s nice. Me too.” That made him shiver, and that made her glad. Their bodies settled together and rocked to and fro to Ella’s cooing.
“Whoa.” She started undressing him. Every time is different, she thought happily. Every time recapitulates the blushing time. She felt very, very light.
“No, please,” she said. “Not yet. Fair you first, OK? ” Awkward and painfully exposed, he’d squirmed and wanted to slip off the straps of her dress, but she hadn’t let him. She kissed his chest and his stomach and his thighs, and from her purse on the futon sofa she pulled out some condoms.
“You checkin’ me out down there? ” He sounded a little resentful. “…Hey, what’s the deal? Why not just give me a complete physical? “
“Don’t be offended,” she said. “I like to look at you.” It was true, and it was a lie. He was offended, until he forgot to be. She kissed him again and caressed his face and then did slide out of the little, black dress, which fell to the wood floor as quietly and lightly as a rose petal. She let him tug off the panties and watched the vein in his neck throb. And she helped him with the condom. The she opened another of the square packages.
“Two? “
“Don’t worry.” Narrowed eyes. A temptress grin. “You’ll still feel it.”
Double-wrapped, he pulled her toward him and her mouth toward his. They kissed for a tender, weightless spell. Then she turned her back to him and kneeled on the futon-sofa, her hands on its back. Scott reached around and rubbed her tentatively. She smiled.
“How much do you know about female anatomy? ” she asked.
He pulled back a exiguous. “Well, I thought quite a bit. But if you’re asking, maybe not.” He was hurt. “I’m not proud. Expose me.”
She was glad he wasn’t proud. And she showed him. “It helps if you pull this back a microscopic, gently, like that. Mmmm. Yeah. Like that.”
Again, he chose to forget the offense he’d taken, captivated by her long neck, the mild sweep of her back graduating supply to the taut underneath. He mapped them with one hand as she moved against the fingers of his other.
She braced her knees broadly, reached beneath herself and guided him.
In the morning, Joana was unfazed by his watch alarm. He had a tennis date and no number to murder it. She looked content and sweetly ruffled, makeupless and robe-wrapped, and they had delicious brioche from Rise Bakery with Café Busto from the Americana Grocery. As they sipped and stared, the phone rang. Joana pursed her lips in a fun, knowing draw and didn’t respond.
The machine came on. It was an unaccompanied cello playing “Cheerful Birthday.” Scott started to ask, of course but Joana save her finger to her lips. It was a family tradition, one her mom had started when they were little girls. Early morning, weekday or weekend regardless. For the rest of them, it was singing. Her Dad would call soon from Geneva and croak the tune in his own unbelievable, artless blueprint. But for Maureen, it was playing, and exquisite, sonorous playing at that. The last notes echoed from the machine’s peewee speaker through the big room. Maureen didn’t say anything. But then that wasn’t uncharacteristic. Played and hung up, leaving just the whir of the dutiful, oscillating fan by the TV. Joana savored the moment.
“I didn’t know it was your birthday.”
“How could you? ” Joana said. “You don’t know anything about me.”
“How old-fashioned are you? “
“Older than you.”
“Hmm.” Scott gulped the rest of the cup and chugged the orange juice from its little teardrop-base glass. “Well, many happy returns.”
On his way out, he said, “I’ll call you.”
“Please don’t.” She knew it was like a sword thrust, but meant it and knew it would go easiest if the thrust was steady and straight.
“I don’t understand. … Did I say something? Did I do something? “
He looked at her, wounded, his face flushing. She didn’t want that. She couldn’t prevent it.
“No,” she said. “You were fine. You were wonderful. Thank you. Thank you for being with me.”
“‘Thank you for being with me? ‘ That’s it? So … I’m not going to see you again? ” He looked incredulous, his forehead creased. He waited to find out she was kidding.
She shrugged an I’m-sorry shrug, and they stood there awkwardly.
With a grim little exhaled laugh, he finally looked away from her, then got into the elevator, letting the quaint cage door hotfoot shut after him with a decisive clang. She watched his slow, mechanical descent, his averted eyes and stonily fixed expression as he disappeared beneath the edge of the worn stone flooring where it met the shaft.
She went back inside her apartment and finished off her coffee. She opened the French doors to the cramped balcony. She sat in the sturdy Ikea chair she always left there. In the girding, finish heat, the Post on her lap, she pushed back against the brick. Braced, she wrapped her toes around the iron railing, and read.
Filed under Vehicle Wrap Insurance by on Feb 27th, 2011. Comment.
I live within the LA county area. According to the Press Enterprise, Los Angeles made the top of the list, American Lung Association bad air list of most populated cities in America. The American Lung Association reported that Los Angeles metropolitan area has the worst air figures. However this is not a surprise to many Los Angeles county residents. I myself am not surprise. My brother’s fiancé just moved from South Dakota to accept a job she dreamed of. South Dakota was reported by Scorecard (the pollution information site) as one of the states with the least air pollution. She is having a lot of health problems. She has decided to move back home because the pollution is so bad that it has affected her health. I live in LA County for a long time; it seems my lungs have adjusted to the bad air. I don’t have allergies (knock on wood).
We all cause Air Pollution. We cause air pollution when we expend the electricity, other home fuels and transportation. Most of the air pollution results from the burning of fossil fuel, oil, natural gas and gasoline. Climate changes will increase emissions of carbon dioxide. Air Pollution intensifies in the cases of humid atmosphere and low/ no wind.
To be precise, I live arrive Downtown Los Angeles. The high buildings and crowded neighbors increase the air pollution. During the hot summers, the weather is extremely hot and there are physically no winds. The sidewalks are extremely hot and you can probably grill a hot dog on the sidewalk. While growing up I notice more empty lots was being destroyed and new homes/ apartments was being built Due to the runt space, many novel buildings did not consider the landscape to be important. Therefore, trees were not planted to help nick the air pollution.
Air pollution is caused by many different factors. The pollution can contribute to hear disease, lung cancer and asthma attack. Children and senior citizens are especially vulnerable to the polluted air. Most of the pollutants are produced when heat and sunlight comes in contact with pollutants from power plants, refineries, cars and other sources.
Regulatory agencies would categorize pollutions into three groups. The three different categories are Area, Mobile and Point. The specific source may vary depending on if the released chemical is “criteria” or “perilous” air pollutants. Criteria pollutants refer to six chemicals which occur frequently in the air and can cause damages to a human’s health, harm the environment and cause property hurt. These six pollutants are: carbon monoxide, lead, nitrogen dioxide, ozone, particulate matter and sulfur dioxide. Hazardous air pollutants can cause adverse finish to human health and the environment. There are over 188 of these pollutants. These pollutants include those substances that cause cancer, neurological, respiratory, and reproductive effects.
Area sources include small pollution sources like dry cleaners, gas stations, and auto body paint shop. Any source that emits less than 10 tons per year of criteria or dangerous pollutants will be filed under this category. This category also includes commercial buildings (heating and cooling units; surface coatings), residential buildings (fire places, surface coating), fuel combustion, boats, railroads. It also includes family lawnmower or barbeque grill.
Mobile source include on road vehicle and off road equipment (such as ships, airplanes, agriculture and construction equipment). Mobile source contribute a large percentage to the air pollution. Driving a car is the most polluting activity. Motor vehicles also emit risky pollutants such as carcinogens benzene, formaldehyde, acetaldehyde, 1,3-butadine and diesel particulate matter.
Point Sources include major industrial facilities, chemical plants, steel mills, oil refineries, power plants, and unsafe waste incinerators. If it emits 10 tons per year of any criteria pollutants or hazardous pollutants will be included in this category.
According to the Score card, Los Angeles County emits the following substances:
Air Quality Rankings: Health Risks, Exposure, and Emissions
Cleanest/Best Counties in USPercentileDirtiest/Worst Counties in US
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Carbon Monoxide emissions:
Nitrogen Oxides emissions:
PM-2.5 emissions:
PM-10 emissions:
Sulfur Dioxide emissions:
Volatile Organic Compound emissions:
Air Quality Index:
Ozone 1-hour average concentration:
Ozone 8-hour average concentration:
PM-2.5 24-hour average concentration:
PM-10 24-hour average concentration:
Person-days in exceedance of national air quality standard for ozone (1-hour):
Person-days in exceedance of national air quality standard for ozone (8-hour):
Figure 1. Air Quality Rankings: Health Risks, Exposure, and Emissions
Retrieved from http://www.scorecard.org/env-releases/cap/county.tcl? fips_county_code=06037#air_rankings
Below is a list of the pollutants name and the health effects and environmental effects caused by each substance. Reports show estimated premature deaths are associated with exposure to air pollution. It also cost humans more money to stay healthy. They exercise more money of vitamins, more medical bills, and higher insurance premiums. For example, my son who has asthma needs to see a doctor twice as much as an average child. My co-pay is pretty expensive. Then the inhaler is not covered by insurance 100%. My soon to be sister in law also pay more to get fitted for a different type of contacts and different kind of solution because of her allergies. She could not handle the air pollution out here.
Sources and Effects of Common Air PollutantsPollutantAnthropogenic SourcesHealth EffectsEnvironmental EffectsOzone
(O3)Secondary pollutant formed by chemical reaction of VOCs and NOx in the presence of sunlight.Breathing problems, reduced lung function, asthma, irritates eyes, stuffy nose, reduces resistance to colds and infections, premature aging of lung tissue.Damages crops, forests, and other vegetation; damages rubber, fabric, and other materials; smog reduces visibility.Nitrogen Oxides (NOx)Burning of gasoline, natural gas, coal, oil. (Cars are a major source of NOx.)Lung damage, respiratory illnesses, ozone (smog) effects.Ozone (smog) effects; precursor of acid rain which damages trees, lakes, and soil; aerosols can reduce visibility. Acid rain also causes buildings, statues, and monuments to deteriorate.Carbon Monoxide (CO)Burning of gasoline, natural gas, coal, oil.Reduces ability of blood to bring oxygen to body cells and tissues. Volatile Organic Compounds (VOCs)Fuel combustion, solvents, paint. (Cars are a major source of VOCs.)Ozone (smog) effects, cancer, and other serious health problems.Ozone (smog) effects, vegetation injure.Particulate MatterEmitted as particles or formed through chemical reactions; burning of wood, diesel, and other fuels; industrial processes; agriculture (plowing, field burning); unpaved roads.Eye, nose, and throat irritation; lung damage; bronchitis; cancer; early death.Source of haze which reduces visibility. Ashes, smoke, soot, and dust can dirty and discolor structures and property, including clothes and furniture.Sulfur Dioxide (SO2)Burning of coal and oil, especially high-sulfur coal; industrial processes (paper manufacturing, metal smelting).Respiratory illness, breathing problems, may cause permanent afflict to lungs.Precursor of acid rain, which can damage trees, lakes, and soil; aerosols can gash visibility. Acid rain also causes buildings, statues, and monuments to deteriorate.LeadCombustion of fossil fuels and leaded gasoline; paint; smelters (metal refineries); battery manufacturing.Brain and nervous system damage (esp. children), digestive and other problems. Some lead-containing chemicals cause cancer in animals.Afflict to wildlife and livestock.MercuryFossil fuel combustion, waste disposal, industrial processes (incineration, smelting, chlor-alkali plants), mining.Liver, kidney, and brain damage; neurological and developmental damage.Accumulates in food chain
Figure 2. Sources and Effects of Common Air Pollutants
Retieved from http://www.cleanerandgreener.org/programs/schools/pollution.htm
Water Pollution in LA COUNTY
Water pollution in the LA County also has very coarse ratings for terrible quality. The leading pollutants of surface water (which includes Rivers, Streams, and Creeks) are: Ammonia 56%, Pathogens 56%, Nutrients 44%, Impaired Biological Community 33%, and Metals 33%. Leading pollutants affecting water bodies (such as Lakes, Reservoirs and Ponds) are: Crude Dissolved Oxygen/Organic enrichments 67%, mercury 33%, Metals 33%, PCBS 33%, and Pesticides 33%. The leading source of water quality problems is Nonpoint sources. This dilemma is for both surface water and water bodies. The water pollution will affect our drinking waters. (See Glossary of Non point sources).
Glossary:
Ammonia: Inorganic form of nitrogen. Under specific conditions of temperature and pH, the un-ionized component of ammonia can be toxic to aquatic life.
Impaired Biological Community: Natural, undisturbed aquatic ecosystems provide habitat for a broad variety of biota, exhibiting taxonomic richness and complex trophic structure.
Mercury:Mercury is a naturally occurring element that can be toxic when consumed by animals and humans. Sources of mercury include weathering of the earth’s crust, the burning of garbage and fuels, and industrial emissions.
Nutrients: All plants require nutrients for growth. In aquatic environments, nutrient availability usually limits plant growth. When these nutrients are introduced into a stream, lake, or estuary at higher rates, aquatic plant productivity may increase dramatically. This process, referred to as cultural eutrophication, may adversely affect the suitability of the water for other uses.
Non point sources pollution is caused by rainfall or snowmelt moving over and through the ground. As the runoff moves, it picks up and carries away natural and human-made pollutants, finally depositing them into lakes, rivers, wetlands, coastal waters, and underground sources of drinking water. These pollutants include: excess fertilizers, herbicides, and insecticides from agricultural lands and residential areas; oil, grease, and toxic chemicals from urban runoff and energy production; sediment from improperly managed construction sites, gash and forest lands, and eroding stream banks; salt from irrigation practices and acid drainage from abandoned mines; and bacteria and nutrients from livestock, pet wastes, and faulty septic systems.
Pathogens: Some waterborne bacteria, viruses, and protozoa can cause human illnesses, ranging from typhoid and dysentery to minor skin diseases. These pathogens may enter waters through a number of routes, including inadequately treated sewage, storm water drains, septic systems, runoff from livestock pens, and sewage dumped overboard from recreational boats.
PCBs:Polychlorinated biphenyls (PCBs) are a family of man-made chemicals that bear 209 individual compounds with varying levels of toxicity. Some are recognized carcinogens. Eating contaminated fish is a major source of PCB exposure for humans because PCBs bioaccumulation in some species of fish found in contaminated waters. PCBs were widely used as coolants and lubricants in transformers, capacitors, and other electrical equipment until they were banned in 1977. Although PCBs are no longer manufactured, exposure unexcited occurs as a result of historical contamination and the decommissioning of older transformers and capacitors, which have lifetimes of 30 years or more.
Pesticides: Pesticides are synthetic chemicals developed to control insect and plant pests. Pesticides disperse into the environment after application, and can cause contamination of surface water and ground water.
References
(2007). Inland news. Los angeles again tops air pollution list. Retrieved October 10, 2007 from http://www.pe.com/localnews/inland/stories/PE_News_Local_D_websmog.10c3ea9.html
Clean water act status: San Gabriel watershed. (2005). Retrieved October 10, 2007, from http:///www.scorecard.org/env-releases/water/cwa-watershed.tcl
Criteria air pollutant report: Los angeles county ca. (2005). Retrieved October 09, 2007, from http://www.scorecard.org/env-releases/cap/county.tcl? fips_county_code=06037
Unsafe air pollutant report: Los angeles county ca. (2005). Retrieved October 09, 2007, from http://www.scorecard.org/env-releases/hap/county.tcl? fips_county_code=06037
We all cause air pollution. (2005). Retrieved October 09, 2007, from http://www.cleanerandgreener.org
Filed under Auto Insurance by on Feb 25th, 2011. Comment.
During the first part of this three part series, California auto insurance rating factors were discussed as well as the main force behind a California auto insurance rate- The California Good Driver discount. The understanding of the CA good driver discount and how auto insurance companies determine rates is important- equally important is understanding that auto insurance companies cannot impartial cancel your policy for any reason. California has very specific regulations when it comes to an insurance company’s ability to cancel a policy and it is very important for consumers to understand these regulations. Sometimes the fear of getting canceled or non-renewed will prevent a policyholder from reporting an accident to an insurance company. That fear the majority of the time is uncalled for- especially if the claim or accident is not the policyholder’s fault.
To start, there is a runt inequity between a cancellation and a non-renewal. Although they both result in the termination of the policyholder’s policy, the difference comes when they occur and the amount of notice an insurance company must give the policyholder.
A policy cancellation occurs during the policy term. If an insurance company has legal grounds to cancel a policyholder’s policy during the policy term, they must give the policyholder a minimum of 10 days notice if the policy was recently purchased within 60 days. The insurance company must give a minimum of 20 days notice anytime after the first 60 days of the policy has passed.
A policy non-renewal occurs at the ruin of the policy term. If an insurance company has legal grounds to non-renew a policy, they must give the policyholder a minimum of 30 days notice that the policy will not be renewed.
For both a cancellation and a non-renewal, the notice must be sent Post Office Receipt Secured or Certified Mail to the last address the policyholder has provided the insurance company. a Phone call or E-mail does not count.
The following are the guidelines first of what an insurance company cannot use as a grounds to destroy an auto insurance policy, followed by what they can use legally. Please ticket that a spouse of the Named Insured is also considered a Named Insured. Named Insured is another name for the policyholder of the policy.
Specific exceptions that cannot be the basis for an underwriting decision;
An insurance company;
Cannot base underwriting decisions on sex, race, color, religion, ancestry, national origin, marital status, or sexual orientation. Coverage and terms offered to registered domestic partners must be equal to that of spouses of a Named Insured.
Cannot cancel or non-renew a policy for an accident in which a Driver on the policy is a Peace Officer, Fireman, Paramedic or California Highway Patrol and the accident occurred while the driver was operating an authorized emergency response vehicle during performance of his duties.
Cannot cancel or non-renew a policy based on the fact the applicant or named insured is in the military or other government agency.
Cannot cancel or non-renew a policy as a result of the Named Insured’s inability to speak, write, read or comprehend the English language.
Cannot cancel or non-renew a policy because the Named Insured uses a radar or laser detector.
Cannot cancel or non-renew a policy because of a mental or health yell regardless of whether a physician statement has been received indicating the driver should not drive, unless the department of motor vehicles has suspended or revoked the driver’s license or refused to boom a license. Also the policy must be reinstated if the license is issued or the suspension or revocation is lifted prior to the cancellation date of the policy.
Cannot cancel or non-renew a policy solely because of a physical handicap if it has been compensated for. We may required proof that the person qualifies for the issuance or renewal of their driver’s license.
Cannot cancel or non-renew a policy solely because the Named insured is Blind and frequently changes drivers. The blind insured may be excluded. We can still underwrite as usual for the drivers listed on the policy.
Cannot cancel or non-renew a policy solely for the reason a driver on the policy performs voluntary services consisting of providing Social service transportation for a non-profit charitable organization or governmental agency. This includes providing transportation for senior citizens, or persons with a physical or mental handicap. This instance shall not be considered commercial spend.
Cannot cancel or non-renew based on NOT At Fault accidents or for claims that are pending under the policy if the liability and the extent of the damage has not been determined. This means they cannot list any claim- including comprehensive claims as a reason for canceling or non-renewing the Named Insured’s policy, if the accident was not considered at least 51% of the driver operating a vehicle covered under the policy’s fault.
Insurers are prohibited from requiring an insured to carry collision coverage as a condition to having comprehensive coverage. This means an auto insurance company cannot force a policyholder to carry collision coverage if they want to have comprehensive coverage and vice versa.
Insurers must offer Uninsured motorist bodily injury coverage and Uninsured Motorist Property damage coverage (including deductible waiver coverage) on all vehicles on the policy.
Cancellation within or over 60 days and Non-renewal;
Please note that California does not have an initial underwriting period for new business policies. All underwriting cancellations regardless of whether the policy is a new business policy within 60 days, must fall within the following status guides.
Non Payment of premium
The driver’s license or motor vehicle registration of the named insured or any other driver is suspended or revoked during the policy period. The policy must be reinstated if the suspension or revocation is removed prior to the cancellation date of the policy.
The discovery of fraud by the named insured in pursuing a claim under the policy provided the insurance company does not rescind the policy
The discovery of material misrepresentation of any of the following information concerning a driver on the policy; Safety Record, Annual miles driven, number of years of driving experience, record of prior insurance claims, any other factor determined by the commissioner to have a substantial relationship to the risk of loss. Any insured who negligently misrepresents the information described may avoid cancellation by providing corrected information within 20 days of receiving the notice of cancellation and paying any difference in premium.
A Substantial Increase in the Hazard insured against.
The following are the only instances considered a Substantial Increase in the Hazard insured against;
Failing to provide requested underwriting information within 30 days after a reasonable written request. The information requested must be necessary to underwrite or rate the risk. A notice is required on each request in English and Spanish advising of policy cancellation or non-renewal if the information is not received by the insurer.
Permissive use by unlisted drivers which indicates frequent use. 2 lending losses by the same driver is to be considered frequent use. We should offer a named driver exclusion prior to canceling under this provision.
A vehicle on the policy does not comply with Federal or California safety requirements and the condition is not removed prior to the cancellation date.
A vehicle on the policy is altered or modified in order to increase speed or acceleration which renders it unsafe in accordance with California Vehicle Code section 24002. This basically refers to all racing alterations such as NOS tanks, illegal cam and headers, etc…
A driver’s license is suspended or revoked and the suspension or revocation is not lifted prior to the cancellation date. Suspensions or revocations based on the fact the insurer failed to file an SR22 cannot be considered.
A driver’s license is expired and the driver does not obtain a valid license prior to the cancellation or non-renewal date of the policy.
Commercial use of a vehicle on the policy. Commercial use is defined as carrying goods or passengers for hire.
A conviction of any alcohol related offense specified in California Vehicle code sections 23152, 23153, 23220, 23221, 23222, 23224, or 23226. This is provided the driver does not otherwise qualify for the California Good Driver Discount. These are all your basic DUIs- including under the influence of drugs
While a auto insurance policy could be Non-Renewed instead of canceled for any of the above legal reasons, a policy may be Non- Renewed and Non-Renewed only, for the following reasons;
Please see part 1 for a summary of California Department of Motor Vehicle points, including what accidents are considered 1 CA DMV point and which ones are considered 2 CA DMV points.
A driver has 3 or more CA DMV points within 36 months preceding the renewal effective date AND one of the points occurred during the last renewal term. This means that a driver of the policy could have started the policy with 2 CA DMV points, but if he were to be in an at fault accident or have received another traffice conviction that resulted in an additional CA DMV point being applied to his/her record, the insurance company would have grounds to non-renewal the policy.
Conviction of a 2 point CA DMV violation preceding 36 months of the renewal effective date. The conviction must have occurred during the last renewal period or must have been unknown prior to the last renewal date. If the conviction was unknown prior to the last renewal date, the last driving picture ordered must have been within 75 days of the prior renewal date or the conviction must have occurred within the last 60 days preceding the last renewal date.
A Driver Exclusion form, is a fair binding statement that a policyholder has an option to sign on a driver in order to keep the policy active or to reduce the premium of the policy. In California it basically states no coverage will be provided for a claim that arises when the driver excluded from the policy was the operator of a vehicle covered under the policy.
If a policy is being region to cancel or non-renewed because of a listed driver on the policy, a driver exclusion must be offered for the offending drivers to the Named Insured if the Named Insured is a California Good Driver based on the definition of a California Good Driver discussed in allotment 1, to give the Named Insured the opportunity to prevent the cancellation/ non renewal of the policy. This also applies in situations where the policy is a joint policy between married or registered domestic partners and the policy is being canceled or non-renewed as a result of one of them.
This piece will conclude with the coverage and descriptions available on California auto insurance policies. While most insurance companies offer all the coverage listed below, California only requires that insurance companies offer the basic minimum liability insurance coverage. Basic liability insurance coverage is Bodily Injury Liability, Property Damage Liability, Uninsured and Underinsured Bodily Injury, Uninsured Motorist Property Damage, and the Collision deductible waiver if the insurance company offers collision coverage.
Bodily Injury Liability- It pays the medical bills, lost wages or income, injure and suffering, and funeral expenses for other people who are injured in an auto accident when the insured is held legally responsible for their injuries. Expenses are paid up to the limit (amount) of coverage the insured has selected. This coverage also pays the legal and court costs to defend you in a covered lawsuit. This is a required coverage in most states. In California the minimum Bodily Injury Liability limit a policyholder must carry is $15,000/$30,000- the first number indicating the maximum payout per person per accident, the second number representing the total amount the insurance company will pay for each accident.
Property Damage Liability. It pays the repair or replacement expenses for another person’s property when the insured is held legally responsible for a covered accident. Expenses for repair or replacement are paid up to the limit of coverage on the policy. The minimum limit for this coverage in California that must be carried is $5,000.
* Please designate that some insurance companies offer to combine both Bodily Injury and Property pain liability into one coverage. In these cases, the minimum limit a policyholder can carry $35,000. The coverage maximum is per accident and there is are no stipulations as to how grand an insurance company will payout per person or for the property damage.
Medical Payments. This coverage protects the insured, their family and other passengers in an automobile. It pays for medical expenses, if the insured and other in an auto are injured in a covered accident. The expenses are paid up to the limit of coverage selected. It will also protect the insured and other members in the household while riding in another person’s auto.
Medical Payments coverage is to assure that there is some protection for those passengers in your auto who may not have comprehensive health insurance coverage.
Uninsured Motorists Bodily Injury. This coverage is designed to protect the insured and other passengers in the covered auto if they are injured in an auto accident by a motorist who is uninsured and held legally responsible for their injuries. It pays the medical expenses and related expenses incurred up to the coverage limits selected. It is protection against expense incurred because of other drivers who may drive without insurance.
Underinsured Motorist Bodily Injury. This coverage is designed to protect the insured and other passengers in a covered auto if they are injured in an accident by a motorist whose coverage is insufficient to veil the damages one has suffered. This policy compensates the injured party for the difference between the injury suffered and the liability covered by the insurance of the driver at fault. It should be pointed out that underinsured coverage may have limitations that prevent the insured from receiving the full amount of coverage purchased. This is due to the reason most policies define an underinsured driver as one with less liability coverage than the insured’s underinsured coverage limits. For example, if an insured carries underinsured coverage with limits of 15/30, and the at fault driver carried bodily injury limits of 30/60, then the insured’s underinsured coverage would not apply even if the damages were over the at fault drivers bodily injury limits. The coverage applies on most policies only when the limits of underinsured coverage exceed those of the at fault driver’s bodily injury limits. In the previous example, if the coverage limits were reversed, then underinsured coverage would apply for the insured.
Comprehensive. This coverage protects the insured’s automobile. It pays a covered auto’s repair or replacement expenses for damages caused by hazards other than a collision. These hazards usually include fire, theft, glass breakage, vandalism, wind or hail storms, or damage caused by hitting an animal. It will pay up to the actual cash value of the vehicle, minus the deductible selected.
Collision. This coverage protects the insured’s automobile. It pays a covered auto’s repair or replacement expenses for damages caused by a collision. It will pay up to the actual cash value of the vehicle, minus the deductible selected
Uninsured Motorist Property Damage. Will pay for damages to the insured’s automobile, set up to a limit, when caused by a motorist who is uninsured and held legally responsible.
Deductible Waiver. Will waive the collision deductible when an insured’s a covered auto is involved in an accident with a motorist who is uninsured and held legally responsible.
Rental Reimbursement. Will pay for use of a rental vehicle when a covered loss has occurred. Insurance companies will usually area a daily amount limit and total day limit for this coverage. For example, an insurance company might offer this coverage with a limit of 30 dollars per day and a max of 30 days of coverage for the policyholder to spend on a rental vehicle.
Roadside assistance. Will pay for basic towing, manual labor at the site of the breakdown, gas delivery (but not the gas itself) on covered autos. This means that unlike AAA the insured must be subject to the breakdown and the vehicle must be one that is listed on the policy or a normally covered vehicle under the policy contract.
Filed under Auto Insurance by on Feb 23rd, 2011. Comment.
Contrary to popular belief, automobile insurance is not necessarily a requirement. Proof of financial responsibility is though. For your average American this is achieved through purchasing commercial auto insurance. You may want to take a look at the self insurance options that are available to you.
What is self insurance? Self insurance allows you to assume the financial risk yourself if you are interested in an automobile collision. Instead of filing a claim with your insurance company, you are responsible for paying for the damages.
How does self insurance change your requirements? You level-headed have to meet your states minimum liability insurance requirements regardless of self insurance. You will just be guaranteeing that liability amount yourself instead of using an insurance agency.
How do I self insure? States that allow for self insurance will have an application plan in place and they will base their decision to approve or disapprove your application based on financial information or assets you have. You must meet your states requirements for providing the financial means to cover the liability amount set in place.
How practical is it? Most people are not in a financial station to self insure. They don’t have the assets or funds to set aside for unforeseen accidents or collisions. If you are barely scraping by paying a monthly insurance premium, then self insurance is probably not something you will be able to consider seriously.
Is it enough? Even if you self insure, it may not be sufficient to cover the expenses associated with a traffic collision. There may be cases where the amount you self insured for isn’t enough to cover the costs. It won’t veil uninsured motorists or underinsured motorists. This then becomes your responsibility instead of a claim on your insurance. You are tranquil at risk of having suit brought against you if you cause injury to another through the operation of your vehicle and are unable to cover their expenses.
How powerful money can it save you? Theoretically, if you are never involved in any type of collision or accident that requires repairs to your car or another persons car or personal injury coverage, then you are “saving” the cost of monthly insurance, whatever that amount is for your car and amount of insurance you want to carry. You are having to put up sufficient funds or assets to cover the costs, so in the long run, you have to have much more money up front to self insure.
Another way you can partially self insure is to raise your deductible. You are then assuming a greater financial responsibility without having to achieve up a great deal of assets. You are voluntarily agreeing to pay a larger amount per every accident claim you file with your insurance carrier.
Resources
About.com, How to Cut Insurance Costs By Self-Insuring, Bobbie Sage
About.com, What Does It Mean To Self-Insure? , Miriam Caldwell
Wikipedia.com, Insurance
Autos.com, Which States ARe Effected By The Financial Responsibility Law
Filed under Car Insurance by on Feb 21st, 2011. Comment.



