How To Get Your Best Auto Insurance Plan? - Insurance - Auto

With auto insurance, you can protect yourself from huge financial loss, due to unexpected road accidents. Using Internet, you can do auto insurance quote comparison, and find the insurance policy to suit your personal needs. Go through this article, and know on how to find the best insurance policy.

Buying a vehicle is a big investment. Awful events like road accidents can happen any time, and may cause injuries to you and damage to your vehicle. These unexpected things may lead you to huge financial loss. It's therefore wise to have insurance, that provides protection against financial loss in case of an accident. If your vehicle is insured, you need not worry about the cost of repairing it, because the insurance company will pay the part or full expense.

The prime objective of insurance is to protect the policyholder from financial loss that occurs due to physical damages and/or bodily injuries in case of an accident. It also provides financial protection against liabilities which arise therefrom. In many states, auto insurance is not an option, but a legal obligation. If you've a vehicle, it's must to have auto insurance too, before bringing it to roads. This is why auto insurance plans are demanded extensively in the USA. Understanding this, insurance companies are offering various insurance plans to suit individual needs and budget. Some popular ones among them include, Comprehensive insurance, Full Coverage insurance, Liability insurance and PIP (Personal Injury Protection ) insurance, which differ by premium sum and coverage. Though there are several types of insurance to choose from, you should opt for the one that suits your personal requirements perfectly.

Since, the insurance plans vary in terms of coverage, you must know the plan accurately before you purchase it. You can contact an insurance agent, and gain information on the plans suitable to you. Discussing your requirements and financial status with the agent, you can get the right insurance plan. Another option to find your best suited insurance policy is to do auto insurance quote comparison. For this purpose, you can use Internet. You will find a number of websites offering details and comparison option for various insurance policies. What you really need to do is, compare the plans available, and select the one that provides adequate protection to your vehicle. By this way, you can shop for auto insurance in a matter of minutes. Though the rate quotes are available from several companies, you should also keep in mind reputation of the company when buying an insurance policy.

Selecting a reputed company is highly essential to get the quality coverage. Since companies handle claims differently, provide different customer services, and, of course, vary on how much they charge, you should consider everything, when shopping for auto insurance. After deciding the company, you just need to fill up an online form along with the required details like car model, credit history and driving record. Then the insurance provider will go through the details to ensure if your are eligible to get the policy you're requesting for. Please make sure you provide all details correct and genuine. So, if you're seeking an insurance policy for your car, compare car insurance plans of reputed companies, and get your best deal.

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Today’s Investigative Special Report – October 30, 2012 “Dealing With Today’s Law Enforcement Specialized Investigations” “Are Foster Care Children And Parents At Risk When Dealing With Children Who Are Sexual Assault Victims?”

By Lawrence W. Daly, MSc

Length of stay in U.S. foster care (Photo credit: Wikipedia)

Forensic Expert – Senior Author

Too often foster care parents accept children into their homes which child protective services have little to no information about who these children are. Further, there hasn’t been sufficient time to perform a complete and thorough background about the historical make-up of the children. A significant aspect of understanding, who these children are, comes from the information law enforcement and child protective services are able to obtain in a short period.

Therefore, for foster care parents who are willing to bring children into their home it is sometimes like rolling the dice.  The reasons are simple: One, children who have been sexually assaulted rarely tell others that they were assaulted; two, specifically disclosing the information that they were sexually assaulted to strangers (foster care parents) who have the power to make decisions about their well-being.  These children live in fear for at least the first 72 hours which provides them the time to adapt to their new environment and the people who live 

there.

The stories are numerous about a child who is sexually assaulted by her father, removed from her home, and placed in a foster care home where there are younger children. After a period of time one of the children comes forward and discloses to their foster care mother that the newly placed child sexually assaulted her and her siblings. Sometimes the sexual assaults involve the foster care parent’s biological children.

So what went wrong? Did the criminal justice system fail to assess and investigate the child they were required by law to place into foster care? Whose responsibility is it to make sure that the child they removed from the unsafe environment, did not, and then become a sexual predator as well.  Then given the opportunity may sexually assault the child’s peers or younger children in the foster care home.

14020 PATH North Dakota Foster Care (Photo credit: bsabarnowl)

Does the criminal justice system create more child monsters and child sexual assault victims? The answer seems complex, but if you examine and explore how the child protective service system works, the answers will become apparent. Caseworkers who identify a child sexual assault victim is required to remove the child from her home and place her in a safe home where she will be free from any sexual assaults. The problem which often occurs is the child needs to only fear themselves, as they don’t understand what a normal life style is and after a period of time they sexually assault their peers or children in the foster home.

This cyclical criminal justice foster care structure is perpetuated by a system where the checks and balances are fraught with holes, failures, excuses, and a need to follow-up in having the foster children psychologically and physiologically examined. The system knows that for the most part the foster child became a victim of an individual who had authority over them e.g. their father, step-father, and, etc., and for some unknown reason the mother or father of the child decided not to protect the child, resulting in the child’s removal and placement into foster care.

This is commonly seen where the mother doesn’t believe her daughter for whatever reason(s) and will not ask the father to leave the house. The criminal justice system has no other choice but to intervene and remove the child from an environment where she is no longer safe; she needs to be protected from the alleged perpetrator.

The problem the criminal justice system faces is in the foster care program the protocols and procedures for children who are placed into the foster care system (due to time constraints) there is minimal emphasis on having the child evaluated (prior to placement) to ascertain if the child may be a danger to their peers or children in the foster care home.

Most counseling and therapy for the foster care child is developed by the child protective service caseworker with the assistance of the foster care parents. The program allegedly surrounds the needs of the child and upon being placed into the foster care system begins the counseling and therapy process. However, all of this takes time and the child may not understand that sexually touching another child is not appropriate.

A policy should be developed and instituted that when a child is a sexual assault victim and she/he is placed in a foster care home where children of the same age or younger are already present, than an immediate ‘danger assessment’ needs to take place. The theme should always be if other children are present their safety needs to be the number one priority, under any and all circumstances. Failure to abide by this policy and process should bring major consequences for anyone in the criminal justice system who has the responsibility of placing children into an environment where other children are put at risk.

Becoming a foster care parent can be intense as the background which is performed on the individuals is productive, complete, thorough, and etc. Decades ago the applying foster care parent could be a foster care parent by simply putting down in the application they had never been arrested. This application was too simple and allowed pedophiles to enter the system. After some explosive and extensive media coverage of foster care parents sexually assaulting their foster children, allowing 

English: Orange Grove House. "Where Children Grow and Blossom". A Foster care agency headquarters. (Photo credit: Wikipedia)

sexual assaults to occur in the home due to the lack of supervision, neglect and inhumane issues, new applications and approval protocols and procedures were put into place. Still there will be applicants who will slip through the cracks; no system however stringent will be perfect.

The reality of the foster care system is things don’t always work out in the manner they should. The problems which are many may include the false allegations made by a foster child that one of the parents allegedly sexually assaulted them. Once the allegations have been investigated and the parent is exonerated of the criminal charges, the one time foster care parent will not return to this profession. This is unfortunate as the program needs experienced, educated, and trained foster care parents.

Examining statistics in the foster care system provides a different analysis and clear understanding of what the foster care system is all about. In an article written by Donna Gillespie Foster (2000) titled, “Fostering the sexually abused child” states, “My family fostered for seventeen years and at least 60% of the children were sexually abused. Some of the social workers knew this up front and shared this information with me. Others didn't know, and I only found out through the behaviors of the children and things they said.”

Gillespie’s article is disturbing in that depending on who the social worker was she would decide to tell her which child was sexually assaulted and which child wasn’t. Failure to advise the foster care parent that the child they are placing in their home had been sexually assaulted is like putting a stick of dynamite into her coat pocket as she walks into the foster care placement.

There are three reasons why foster care parents need to know why a child has been sexually assaulted. They are:

1.      If a child has been sexually assaulted then their behavior may include sexually acting out towards adults or children in the home. Further, the child may have emotional, mental, and physical issues that the foster parent can’t deal with if they have no knowledge that the child was assaulted or neglected.

2.      If a child has been sexually assaulted she may create a cycle of sexual assaults where she either sexually assaults peers or the younger children in the home. Her manipulative ways may be threatening not only to the other children in the home, but to the foster care parents. A well-meaning foster care parent may be manipulated into doing something for the child that he/she would generally not do.

3.      If a child has been sexually assaulted she may become a victim of one of the foster care parents who would generally not have sexually assaulted a child, but the child in her presentation attempts to be sexual towards the parent and in return the parent sexually assaults the child. The child may fall victim to other sexual assault child victims in the home for a multitude of reasons. The child may believe that sexually touching amongst the other children is socially acceptable and is unable to draw boundaries which are appropriate or inappropriate. The child may become aggressive and prey upon the weaker child, especially those children who are placed into the home for similar reasons and are emotionally and mentally imbalanced from being sexual assault victims.

There is no doubt that the foster care system struggles in the manner in which it is structured, organized, and operated. The foster care system has been established for decades and over the years the programs and the people who work within the guidelines, protocols, procedures, and

English: View of exterior of Forestdale, a foster care agency in Queens, New York. (Photo credit: Wikipedia)

 policies have had to learn how to make changes when needed and necessary.

Credit should be given to the criminal justice system which works hand in hand with the foster care programs. There needs to be continual support for those who want to be foster care parents and those who already are, support and praise should be given to them on a daily basis. Law enforcement officials, child protective service case workers, counselors, therapists, medical personnel, and others who make the foster care program function are brave, courageous and deserve everyone’s support.

No system is ever going to work perfectly. In the foster parent care system children for the most part are given the opportunity to live in an environment which is safe and free from violence, mental and emotional abuse, and inconsistency of someone who cares and loves them. Sometimes children who were severely sexually assaulted may in return sexually assault their peers and younger children in the foster care home. Steps need to be taken to reduce re-victimizing a child who is in the home because she/he was sexually assaulted and needed a safe haven from being sexually assaulted.

Psychological assessments need to be performed as soon as possible of children who are victims of sexual assaults. There will always be children who are placed in a foster care home for other reasons than sexual assaults. However, this child may need attention until she/he is assessed as if they were a victim of sexual assaults then they may become the perpetrator. In any and all foster care situations it is important that children are protected and live in a safe environment.

Lawrence W. Daly

www.onedaly.com

206-650-0229

onedaly@onedaly.com

Kent, WA

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Hurricane Sandy Relief Fund

     

As I sit here and watch the news and how bad the damage is from Hurricane Sandy, I cannot help but to open this fund to aid in the recovery of most of our East Coast. Having grown up in Louisiana I can feel their pain as people look at what they have lost, and not having shelter and food as winter sets in with the arrival of this storm. This is also as we round the corner to the Christmas Holidays, so please find it in your heart to donate and help the victims of this storm recover, as in the spirit of the holidays upon us, we all need to do our part to help these victims!

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USA Auto Insurance Free Interrelated Resource - Autos

As you search for USA Auto Insurance related information or other information about Full Coverage Dental Insurance, Auto Insurance Quote Utah, Affordable Auto Insurance, Cheap Northern Ireland Car Insurance, Car Insurance Online Quote Australia or Safe Home Insurance Don T Own A Car, take your time to view the below article. It will provide you with a really refreshing insight into the USA Auto Insurance information that you need. After going through it you will also be better informed about information in some way related to USA Auto Insurance, such as Funeral Expense Insurance, Rope Life Insurance, Computer Quote Car Insurance, Online Car Insurance Quotes Ontario, Ma Auto Insurance Quote or even Auto Club Group Insurance Co.

Another useful tip is to ask for higher deductibles. What are deductibles? Deductibles are what you usually pay before your car insurance policy kicks in. Asking for higher deductibles will lower your costs tremendously. On a cautious note, before settling on a higher deductible, be sure that you have enough money set aside, just in case you have a claim.

Finally, don't forget that no matter how good the auto insurance company looks and even if the premium or monthly insurance rate fits in your budget if the auto insurance provider doesn't meet your needs as a potential customer, then they really don't deserve your business. Customer service means a lot nowadays so if it takes 30 minutes to speak to an insurance representative, or if you are unable to access your auto insurance policy or account online due to constant computer problems then it may not be worth the time and aggravation even if the insurance rates really are the cheapest.

Always try to maintain a good credit record. This assists in fetching you a good insurance policy for most often insurers use the person's credit information to rate auto insurance policies.

INTERLUDE-- Are you finding this article related to USA Auto Insurance so far helpful? I hope so because that's the purpose of this article - to get you better educated on USA Auto Insurance and other related California State Auto Insurance, Massachusetts Auto Insurance Company, Low Cost Insurance Cars, Car Insurance for A Few Days, Federated Insurance Company and Auto Insurance In Ca information.

Switch drivers - For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.

Most insurers surcharge premiums if the commute to work exceeds 3 miles. Carpooling with a co-worker may result in a discount for low-mileage use.

Don't forget that if this article hasn't provided you with exact USA Auto Insurance information, you can use any of the main search engines on the Internet, like Ask.com, to find the exact USA Auto Insurance information you need.

Air bag technology has become more advanced, with sensors that deploy air bags based on the weight of the occupant, reducing air-bag-related injuries. Some new cars also have side air bags in the seats or door frame that offer better protection.

Many people that searched for USA Auto Insurance also searched online for Low Cost Car Insurance for Young Drivers, Car Insurance Quote Student, and even Alberta Car Insurance Quote.

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Getting Cheaper Car Insurance Rates

There are many steps to take to have cheaper car insurance premiums as car insurance costs are based on many factors. Whether you're looking for new car insurance, searching for a cheaper car insurance policy or simply trying to lower an existing policy's rates, knowing what factors affect the rates will come in handy when trying to keep insurance costs down.

Buy the right car to get lower car insurance rates. This is the one of the biggest factors in figuring car insurance costs. Young drivers and sports cars are a bad mix, likewise having a bad driving record and buying cars known for their speed or horse power will insure higher car insurance rates. Some of the best cars in terms of car insurance costs are medium sized, 4-door, 4 cylinder sedans, in the lower price ranges. Cheaper cars are cheaper to insure as are models that are cheaper to repair. Look for safety features such as anti-lock brakes, multiple air bags, passive seat belts, and stability controls as car insurance companies often give discounts for these. Compare car insurance rate quotes for different car models online at insurance sites before deciding on a model to buy.

Keep a clean driving record and learn to drive defensively to get lower car insurance premiums. Take a defensive driving course and ask the car insurance company if they give a discount for taking one. Driving defensively means knowing what is going on around you when driving. Speed and being in a hurry causes accidents. It is important to drive slow enough to be able to react to changing circumstances. You should also learn how to react during emergencies such as hydroplaning, tire blowouts, and having to share the road with bad drivers. Know the current condition of the car and keep it in good condition for driving by checking tires, fluid levels, and safety equipment conditions. Drive with road and traffic conditions in mind and don't follow other cars too closely. All it takes is one accident for car insurance rates to sky rocket.

Protect your car. Park the car off the street if possible. Car insurance companies will ask where the car will be parked because those on the street are more likely to receive damages or be stolen. Keep the car in a carport or garage if at all possible. Car models known to be the target of thieves and those without passive anti-theft devices will have higher car insurance rates.

The fewer miles driven each year the lower the car insurance rates will be. Consider public transportation for daily commutes and use routes that keep mileage to a minimum. If annual mileage goes down because of a change in jobs or residence, be sure to let the car insurance company know so they can re-figure the rates. Combine trips and encourage car pooling among all the car users to keep the mileage down.

Pay the car insurance bill in total every six months instead of monthly. Never let the car insurance expire or go without renewing it. The longer the same car insurance policy with a good driving record is in force, the better the rates will be. If a decision is made to go with another insurance carrier, a better car insurance rate is possible if continuous coverage has been had up to that time.

Insure all the family cars and home through the same insurance company to get multi-policy discounts. Some companies will give lower rates for multi-policies covering motorcycles, boats, or even atv's, with saving up to 20 percent. Know what discounts the auto insurance company offers and take advantage of all that apply. Military members get discounts from some companies and members of AARP do also. Having private health insurance and living in a no-fault state might earn a discount with some car insurance companies. College students enrolled full-time, with high enough grade averages can get discounts with some companies. Know what the company offers before buying. Taking a defensive driving course is always a good idea and may earn a discount with some companies, especially for the older drivers.

Don't get coverage that is not needed and get higher deductibles where possible. For an older car don't insure it for more than it is worth and consider dropping damage repair coverage on it. Insurance companies are not going to pay more than the blue book replacement costs for a car so there is no need to insure it for more than that amount. Accepting higher deductibles (the amount you have to pay) for such things as comprehensive, personal injury, or collision coverages, will lower rates. Understand what this means if something happens and what you will have to pay.

Don't rush to accept a quoted rate. Do the homework and check out several insurance companies before deciding which one to go with. Check with the local Better Business Bureau or Chamber of Commerce to see how the company is rated. Learn how to read car insurance policies and bills and what every statement means. Don't be afraid to ask about anything not understood. Don't lie to the insurance company to try and bring rates down. Any untrue statement or left off information will give them cause to cancel the policy and not have to pay after an accident.

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Today’s Investigative Special Report – October 29, 2012 “Dealing With Today’s Law Enforcement Specialized Investigations” “Is Law Enforcement Changing The Manner In Which They Interview Child Sexual Assault Victims?”

By Lawrence W. Daly, MSc

Forensic Expert – Senior Author

Over the past three decades there have been a multitude of individuals and organizations which created policies and procedures in how they will conduct interviews of child sexual assault victims. Historically, the theory has been that a child who may have been sexually assaulted should be interviewed as minimal times as possible. The reason for this thinking is the legal process can be intimidating and traumatic to the child. The ideology of conducting one interview of the child never made since then and it doesn’t make sense today.

California Coalition Against Sexual Assault (Photo credit: Wikipedia)

These individuals and groups are now considering changing this policy to allowing alleged child sexual assault victims to be interview two times. This seems insignificant as well, since two or four interviews may not allow the child to fully disclose specifically what transpired between the alleged victim and perpetrator. Each child is unique and there are many reasons it may take several times to interview the child to find out the trauma they have endured.

When interviewing children under the age of nine, their attention span is basically 20 to 30 minutes before they become exhausted from the questioning and begin to shut down. Therefore, interviewing the child multiple times seems reasonable and logical. Experts in this field should not set a number for how many times the child should and can be interviewed. Each child is different and sometimes when they are brought to the interview location they like everyone else may not be in the mood to talk, especially about something that may have allegedly happened to them; something traumatic.

Law enforcement took a back seat decades ago in their role in interviewing children who may have been sexually assaulted. To date there has never been an explanation, research, or studies which demonstrate, suggest, or point to the reason law enforcement officers are not capable of conducting child sexual assault interviews.

Training and education of how to become a competent and intelligent child sexual assault interviewer is available nationwide for child sexual assault interviewers, child protective service workers, law enforcement officers, and etc. If the training and education is available for everyone in the criminal justice system then the reasons for law enforcement failing to be responsible for performing the interviews is not reasonable or logical.

Interview (Photo credit: smiling_da_vinci)

On the West Coast there is one man who is a forensic interviewer, but outside this individual the majority of child sexual assault interviewers are women. The majority of women being interviewers could be an issue in that the child sexual assault industry which promotes woman to be interviewers. However, in the United States there are one million police officers and there are only 12 percent are women. Most of the child sexual assault interviewers are civilians, working for the county prosecutor or private agencies.

The women in law enforcement for the most part are assigned to detective positions as they have the character

istics, traits, flexibility, and skills to deal with a multitude of positions such as VICE, narcotics, special assaults, and etc.

The current foundation of who will interview the alleged child sexual assault victim has seen child advocacy centers developed, established, and built to meet the needs of the community; specifically children who have been sexually assaulted. These advocacy centers have the criminal justice agencies such as law enforcement, child protection services, medical personnel, and child sexual assault interviewers working in the same facility. It is like a one stop facility which allows the child to get to know the team they will be working with during the criminal prosecution and a many other reasons.

Still there has been little to no advocation for men to be child sexual assault interviewers or for law enforcement to take back the role of the child sexual assault interviewer. Law enforcement deals with a diversified population in their specific assignments dealing with children, young adults, and adults. The reason this is important is law enforcement have the basic and advanced training in how to interview everyone who becomes involved in the criminal justice system.

One of the key issues in interviewing child sexual assault victims is the training and education civilian child sexual assault interviewers receive provides a foundation for them to perform the interview. However, where this process falls short is they do not have the necessary police experience to enhance their abilities to perform thorough, complete, intelligent, and competent interviews.

It seems there is this ‘blockade mentality’ that a civilian employee who has no police academy training, patrol experience, investigative experience, basic and advanced interview skills should be the only group not interviewing children. This ‘blockade mentality’ is seen in most jurisdictions where women perform basic and incomplete interviews. There is no sweep of the hand here, but it see

English: A teal ribbon, which is an awareness ribbon for Ovarian cancer and Sexual assault (Photo credit: Wikipedia)

ms the child abuse industry has become an arena of women who have set up a process which has eliminated men from participating in an area where the law enforcement officer has the training and education to perform such interviews; but are rarely provided the opportunity to be a child sexual assault interviewer.

In the early 1980s women victim advocates did not want uniformed law enforcement officers interviewing potential child sexual assault victims. The reasons for them not to interview child sexual assault victims that were listed were, (1) the police uniform was frightening to children and (2) the law enforcement officer doesn’t have the experience to perform an interview of a child who may have been sexually assaulted.

These two reasons appear to be ignorant and naïve as law enforcement officers perform the interviews of adult rape victims. The difference between children and adults which is argued by the researchers in the child sexual assault industry is that both, children and adults are as suggestible as each other. Therefore, if law enforcement performed the interview of a child victim then the concern that law enforcement may ask a leading and suggestive question would seem not to be a concern because of this research. The other reasons women victim advocates stated were law enforcement officers don’t want to interview child victims; officers are not sensitive enough; officers may not believe the child; and other reasons.

Over a period of time the law enforcement investigator who is assigned to the specialized unit will become familiar with what facts and evidence support a criminal charge against a perpetrator i.e. someone who sexually assaults a child. Further, if they are familiar with what facts and evidence are needed to criminally charge a perpetrator then they would know what information they would need from the alleged victim. The type of questions and manner in which the questions should be asked is very important and an experienced law enforcement officer who is trained and educated in interviewing child victims, witnesses, and perpetrators know how to conduct the interviews. The interviewing of witnesses no matter what their age, race, or gender is one of the most important aspects of performing their job. Officers expend the majority of their time during their daily tour in talking to all types of people.

Generally, when it comes to civilian child sexual assault interviewers performing the child sexual assault interviews, prior to the interview they are provided the name of the alleged perpetrator by the law enforcement investigator assigned to the case, so they may question the child about the alleged incident.

Center for Sexual Assault Victims (Photo credit: Wikipedia)

Most of the time the child sexual assault interviewer will receive minimal information about the facts of the case from law enforcement investigators. Although the child sexual assault interviewers are trained to obtain the facts i.e. who, what, when, why, where, which, and how, from the alleged child sexual assault victim, important information may be missed due to the lack of knowing the case facts and evidence. If the law enforcement investigator begins the case upon assignment, performs all the interviews, including the child interview, the case should be complete, thorough, intelligent, and competent and ready to be presented to the prosecution for the filing of criminal charges.

A judge and jury want to know what the child has to offer reference what occurred between the child and the alleged perpetrator. When an incompetent and unintelligent interview is performed by a child sexual assault interviewer, the child may have provided minimal information to the interviewer. This may occur because the relevant and material questions were not asked during the child interview. Failure for the child sexual assault interviewer to know and probe the alleged facts and evidence may bring questions from the judge and jury about the child’s credibility, reliability, and veracity.

Most civilian child sexual assault interviewers have little to no experience in testifying in a court of law. Depending on the interviewer the lack of experience may be conveyed to the judge and jury that the interviewer did not follow protocols and procedures when interviewing an alleged child sexual assault victim. Most child interviews are digitally audio and video recorded therefore, it is difficult for the interviewer to have done something unethical, which should enhance the interviewer’s credibility with the judge and jury.

In conclusion, the need for the child sexual assault industry to reevaluate how the child interviews are being conducted should definitely be a major priority if not now, but in the immediate future. The lack of male interviewers and the lack of law enforcement investigators performing child se

xual assault interviews appear to be an antiquated practice and gender bias. These issues need changing to advance the new child sexual assault interview methods and techniques which provide guidelines for how a child sexual assault interview should and needs to be conducted. New protocols, procedures, and processes will bring integrity to a system which constantly needs improvement, creativity, and innovation.

Lawrence W. Daly

www.onedaly.com

206-650-0229

onedaly@onedaly.com

Kent, WA

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Auto Insurance Ratings - Insurance - Auto

Car insurance ratings are the best way to select among the cheap and good quality automobile insurance policies. Vehicle insurance policy is written proposal between auto insurer and insured, where insured will pay the premium for after paying the services and in return insurer will protect him from major physical or auto loss due to an accident during a specified time period. In the terms of commerce, it is most popular used against those trucks and loaders which are taking large quantity of commodities and face any collision or accident on the way. In these cases, company get insured both the goods and their vehicles.

Every year ratings of these companies is published and those being at the top are both best at customer services level, discounts on their policies and coverage of their services. Have you done the auto insurance ratings review and discussed it with your family or friends? If you have, than you will find the best solution.

Automobile roadside accidents are not for some specific new drivers, even experienced people who are driving their long time purchased auto models face the fierce accidents and lose their lives and their cars. Vehicle insurance works like a firewall against economic disasters and such fierce accidents which cause great loss to automobile and physically to the driver. These ratings include many factors and insurance coverage is much important among them. How much wide area is under company coverage and how much it's contributing to serve the continental or global clients certainly increases the company ranking and its services quality level.

Top ten car insurance companies in US market:1. Progressive2. Unitrin3. Liberty Mutual Auto4. Nationwide Auto5. Allstate Auto6. GMAC7. Bristol West8. Access9. Western General10. Western United

Among these companies, Progressive is at the top of US market in auto insurance ratings because of its high quality and value added services at affordable services. It is one of the oldest insurance companies in US and having long time market experience. Progressive is ranked#1 when users are analyzing low rates and standard quality services with many added features.

An insurance policy is basically the package of many primary policies. Vehicle insurance ratings include the many features to compare the ranking. The coverage level will certainly differentiate for state where you are living. Usually many insured people stick with single car insurance companies over the year, although renewal of policy takes much expenditure than shopping around for some cheap car insurance policy. Your blind loyalty with a single insurer can cost you more, if you have not gone researched for auto insurance ratings of companies best customer cheap services. 2011 car insurance ratings and review have published the facts and proper statistical figures, so car insurance basically insure you against the major losses , so you pay for a major security against these unforeseen events, but you can manage to observe the minor losses by yourself.

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A Review Of Auto Insurance America - Insurance - Auto

Auto Insurance America is an insurance company serving Arizona, Nevada, and New Mexico; they provide renters insurance, automobile insurance, watercraft insurance, motorcycle insurance, RV insurance, mobile home insurance, and homeowners insurance.

The company has been in business since 1972 and offers automobile insurance for both "clean record" drivers and those with less than stellar driving records.

Because the company has been around so long with the same management, it's impressive that they can be a reasonably priced insurance company with competitive rates even as compared to more cut-rate companies.

An Overview

Auto Insurance America is a good basic company with decent coverage no matter who you are. They also offer special coverage for those with DUI records, something many insurers don't do. Additionally, they offer senior citizen discounts and special "monthly birthday discount" pricing for those under 30 who normally have to pay higher rates.

You do have to be careful to read policy requirements, because, for example, some have complained that their policies have been canceled for car-pooling, or have complained that customer service is less than stellar. Nonetheless, these are practices many companies follow in that if you're carpooling, for example, you may not have coverage for everyone driving or using your vehicle.

Therefore, specific types of coverage may have you as the only one able to drive your car if that's the insurance policy you chose. As to customer service, many people are cutting back on customer service costs as a means to save money. This is a trend across the business industry, not just insurance, and therefore customer service problems may be more apparent across the board then was once true.

Be careful to check rates and do some comparison-shopping

Although Auto Insurance America does have decent rates for most people, do comparison shop between companies even so. You may be able to find better coverage for less money, although some of the amenities Auto Insurance America offers may not be available at these rates from other companies, such as coverage for those with drunk driving convictions or special "discount" rates for young drivers.

Convenience of being able to pay your bill online

As with many auto insurance companies today, Auto Insurance America allows customers to pay their bills online, which is convenient and easy to do.

The bottom line?

Auto Insurance America is a decent company with a good customer service record, although these days, customer service may leave something to be desired simply because of the cost cutting measures the company is trying to implement. Because customer service has taken a bit of a back seat, customers have to be especially vigilant that they read policy requirements carefully and follow them to the letter.

Sudden cancellation of policies for things consumers didn't know were forbidden previously (such as the aforementioned carpooling restriction) does happen, and the company does not necessarily warn beforehand. Therefore, be proactive if you do take out a policy with Auto Insurance America, because you're going to have to know the fine print to make sure you don't violate anything in your policy.

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The Rights of the Accused: A Case Study of John Doe

by Elizabeth Hall

John Doe (born John Nommensen Duchac on February 25, 1953 in Decatur, Illinois) (Photo credit: Wikipedia)

“John Doe is an individual that left his country in an effort to make a better life for himself.  However, he does not have legal status in America and was recently arrested for shoplifting, which was valued over $1,000.  At the time of his arrest, John voluntarily began to make incriminating statements to the arresting officers.  At the police station, detectives conducted an interview of John asking him about the theft.  John Doe has had no prior arrests, is 35 years old, and most of John Doe’s family still resides in his home country.  Due to the amount of monies involved, the crime is deemed a felony and John was arrested and placed in the county jail in Toms River, NJ” (  Kaplan University Platform, 2010).  He is going to face the judge in the Ocean County Superior Court; however, he has no money for bail.  We will evaluate the process of his arrest, and procedures following the arrest, to evaluate if John’s rights are being upheld, and along the way, we will explore the procedures involved from arrest through preliminary hearing or grand jury, comparing and contrasting the two. 

Police Procedural Steps

John began incriminating himself voluntarily upon arrest.  Since this was not at the request of the police, they were under no obligation to Mirandize Mr. Doe.  All voluntary information is admissible in court (Osterburg, & Ward, 2007).  The Miranda ruling only covers communication initiated by the police.  Since they arrested him and took him to the police station, he would go directly to booking.  It is proper procedure to read the Miranda Rights, along with being asked, to sign papers stating that his rights were properly explained to him, and it is at this point that pictures, fingerprints, suspect address information, date of birth, along with weight and height measurements.  When police do question him, although the rights have already been read in booking, it never hurts to read them again.  The Miranda Rulings deal with the admissibility of confessions in the courtroom (Roberson & Stuckey, 2007), and do not imply law enforcement procedure.  (Schmallinger, 1991)

Initial Appearance (Arraignment)

After the police interview John, there must be a formal Complaint issued, which contains the name of the accused, the nature of the offense, and the date and time of the offense.  Once this is issued, the next step is the initial appearance before a magistrate or judge, or more formally, the arraignment.  During this arraignment, the charges are formally read to the defendant, and a plea of guilty, not guilty, not guilty by reason of insanity, no contest, or once in jeopardy will be made.  It is also at this stage that the court will appoint John an attorney from the county free of charge, because of his inability to pay.  The Fifth Amendment guarantees the right to defense counsel regardless of the ability to pay for one.  This was decided in the landmark case, Gideon v. Wainwright.  Bail will be discussed now as well.  When considering  bail, the judge would have to weigh the seriousness of the crime, the weight of evidence against John, and whether or not he has binding ties to the community, along with the criminal history, and whether he has any previous failure to appear issues.  We know that most of John’s family is in Mexico, and that he has no binding ties to the community; however, he has no criminal record at all.  It is up to the judge to determine if John will be allowed bail based on the weight of these circumstances.  (Roberson & Stuckey, 2007)

Preliminary Hearing or Grand JuryHearing

The court could choose to hold a Preliminary Hearing, or a Grand Jury Hearing.  There are advantages and disadvantages to both.  In a Preliminary Hearing, the judge decides whether there is sufficient probable cause and or evidence to accuse the defendant of a crime.  The Grand jury does the same.  This is where the similarities end.  If probable cause is found during a Preliminary Hearing, the defendant is bound over for trial, where in a Grand Jury Trial they would return a formal indictment against the accused.  Preliminary Hearings are open to the public, and, are held in open court.  Grand Jury Proceedings are held in closed-door sessions, held in secret.  While Preliminary Hearings are formal judicial proceedings, and are adversarial, meaning that both the prosecution and the defense are allowed to present their evidence and cases, Grand Jury Sessions are informal.  The prosecution is the only side that they hear.  The defendant has right to attend and present evidence at Preliminary Hearings, but is not allowed at all in Grand Jury Proceedings.  Another difference between them is that the Grand Jury holds powers that the judge or magistrate does not.  These are the power to conduct their own investigations, subpoena witnesses and documents, and to grant immunity.  (Roberson & Stuckey, 2007)

31 Aug 2011: Professor John Campbell gave expert testimony during the third day of the Trial Chamber's preliminary hearing on fitness to stand trial. ... ថ្ងៃទី៣១ ខែសីហា ឆ្នាំ២០១១: លោកសាស្ត្រាចារ្យ ចន ខេមប៊ែល ផ្តល់សក្ខីកម្មជំនាញ នៅក្នុងថ្ងៃទីបីនៃសវនាការលើកាយសម្បទា នៅចំពោះមុខអង្គជំនុំជម្រះសាលាដំបូង។ (Photo credit: Wikipedia)

One advantage to a Preliminary Hearing is that it might bring about a dismissal, conclude that there is insufficient evidence to charge the defendant, or have the charges reduced to a misdemeanor due to lack of felony evidence.  Another advantage to this type of hearing as opposed to the Grand Jury is that the defendant can waive this right, resulting in him receiving a quicker trial date if he wants to get the process over faster, and when he does this, it limits the charges to whatever is already existing in the Complaint filed.  (Roberson & Stuckey, 2007)

The Grand Jury is a safeguard to the accused, and is guaranteed in the Fifth Amendment that everyone has the right to a fair trial.  An advantage to having a Grand Jury Process is that the Grand Jury is composed of sixteen to twenty-three members of the community, which is supposed to represent the defendant’s peers.  This method would be considered the fairest, since judges and magistrates can be paid off without this safeguard in place.  This keeps our system as honest as it can be considering the nature of man. (Roberson & Stuckey, 2007)

Conclusion

Since John was arrested, and promptly taken to the police station, even though he talked before he was read his rights, the police followed proper procedure in listening to his voluntary words, because, they were initiated by John.  He was booked at the station, and then interviewed and then the police set up his arraignment.  Depending on the state laws in New Jersey, he will either, receive a Preliminary Hearing, or a Grand Jury Proceeding.  If, enough probable cause is found, John will then go on to trial.  The fact that John is in the country illegally probably hindered his chances for bail because he has no ties to the community, but it also means that when he is sentenced, deportation maybe a choice he has to avoid jail time.  That is at the discretion of the judge, because if it is not made a part of his sentence, when his time is done for the crime, he will be turned over to ICE, which is the agency that deals with illegal immigrants in this country, and probably be deported anyway.

References:

Kaplan University Platform, (2010).  Criminal Procedure Week Four.  Retrieved From:

http://kucourses.com/ec/crs/default.learn?CourseID=4201243&Survey=1&47=6028626&ClientNodeID=404341&coursenav=2&bhcp=1

Osterburg, J. & Ward, R. (2007).  Criminal Investigation: A Method for Reconstructing the Past,  Fifth Edition.  Chapter 12 pp 296.  Matthew Bender & Company, Inc., a member of the LexisNexis Group.  Newark, NJ.

 Roberson, C., Wallace, H., & Stuckey, G.B. (2007).  Procedures in the Justice System.  8^th ed. Chapter 3 pp78-112 Chapter 4 pp 113-138 Chapter 5 pp139-163.  Pearson Prentice Hall.  Upper Saddle River.  NJ. 

   Schmallinger, F. (1991).  Criminal Justice Today: An Introductory Text for the Twenty-First Century, Ninth Edition.  Chapter 1 pp 17.  Upper Saddle River: Pearson Education Inc.

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