Maryland Drivers Can Now Save Big Bucks Based on How They Drive as Progressive Launches One-of-a-Kind Car Insurance Program
Business Wire, Sept 15, 2008
Optional Behavior-Based Car Insurance, MyRate(SM), Lets Lower Risk Drivers Pay Less
MAYFIELD VILLAGE, Ohio — Are you the poster child for safe driving, always leaving plenty of space between you and the car ahead? Or a business traveler who parks your car at the airport or train station several days a week? Or maybe you have a car that you only take out for a spin on warm summer days. If so, your car is probably less likely to be involved in a crash, so shouldn’t you pay less for car insurance?
Progressive thinks so, and that’s why it’s introducing an optional car insurance program that offers lower rates on vehicles that are driven in less risky ways. The behavior-based insurance program, called MyRate, gives drivers a customized rate based on how, how much, and when their car is driven. It is now available to Maryland drivers who purchase polices directly from Progressive online or by phone. It will be available through independent insurance agents beginning Sept. 26.
“MyRate is designed for consistent and safe drivers,” said Richard Hutchinson, Progressive’s MyRate general manager. “It’s for people who drive at low risk times of day and who keep alert for others on the road. They don’t make fast lane changes or follow too closely behind other drivers so they don’t have to over-react or slam on the brakes.”
Drivers who choose to sign up for MyRate receive a small wireless device that plugs into a port in their car. The MyRate device allows Progressive to see how, how much, and when the car is being driven. Cars driven less often, in less risky ways and at less risky times of day can receive a lower premium.
Drivers with more than one car can select which, if any, of their vehicles to enroll in MyRate. For example, a person with a second car that isn’t driven that often may enroll that car in MyRate but may decline to enroll their other vehicle if it is driven much more frequently or during higher risk times of day.
New Maryland customers can earn a first-term discount of up to 10 percent just for signing up. Then, when they renew their policy, they could earn a discount of up to 25 percent or more based on their driving habits. There is also a $30 technology expense each policy period for the cost of the device and data transmission.
“This is a brand new way to price car insurance that allows Maryland drivers to pay based on how they actually drive,” said Hutchinson. “Customers can access their driving data on a secure, password protected Web site and get an up-to-date view of their driving habits and how those habits are affecting their rate. Customers who don’t like what they see can modify their driving behaviors in ways that can lead to a discount, such as driving more defensively, driving less, and driving at less risky times of day.”
“Governor O’Malley and I remain committed to finding affordable ways for Maryland citizens to meet their legal obligation of maintaining car insurance and still be able to pay for other necessities,” said Ralph S. Tyler, Maryland insurance commissioner. “Pay-as-you-drive insurance is one option Maryland drivers can now consider to help get the most for their hard-earned dollars.”
“I’ve advocated finding ways to lower car insurance rates for years, and now the opportunity for real savings is here,” said Sen. Lisa A. Gladden. “I’m excited that Progressive chose our state as one of the first in the country to offer their innovative product.”
Progressive has been an industry pioneer in understanding that how you drive should affect what you pay. Its initial foray into usage-based insurance started in 1999 with a program in Texas called Autograph. It then piloted its next generation of usage-based insurance, TripSense([R]), in Minnesota, Michigan and Oregon beginning in 2004. The new program, MyRate, is now being rolled out countrywide, pending state regulatory approval.
Progressive has received patents on its methods and systems of implementing usage-based insurance and has licensed these methods and systems to other companies. Progressive has service marks pending on the terms Pay As You Drive(SM) and Pay How You Drive(SM).
About Progressive
The Progressive Group of Insurance Companies, in business since 1937, is one of the country’s largest auto insurance groups, the largest seller of motorcycle and personal watercraft policies, and a market leader in commercial auto insurance based on premiums written.
Progressive is committed to becoming consumers’ #1 choice for auto insurance by providing competitive rates and products that meet drivers’ needs throughout their lifetimes, superior online and in-person customer service, and best-in-class, 24-hour claims service, including its concierge level of claims service available at service centers located in major metropolitan areas throughout the United States.
Progressive companies offer consumers choices in how to shop for, buy and manage their auto insurance policies. Progressive offers its products, including personal and commercial auto, motorcycle, boat and recreational vehicle insurance, through more than 30,000 independent insurance agencies throughout the U.S
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Nivas Interiors Decors Vijayawada Vizag Nellore Guntur Kakinada Rajahmundry Hyderabad exterior designers
Nivas Interiors, is a Professional, creative & dynamic architectural design, Planning & Interior design Company based at Vijayawada,AP with multifaceted approach & innovative design ideas.
Our services range from Architecture, Interior Design & Landscape design, vaastu, fengshui, to HVAC, Fire fighting, plumbing, electrical and structural designing. Nivas Interiors delivers high standard of Workmanship with a stringent budget. Our buildings set high standards of aesthetic values and satisfies all needs of occupants. Our completed projects include corporate offices, Group Housing, Townships, Hotels, Restaurants, Residences, Farm Houses, Institutes & Corporate interiors.
Our Services……
- Interiors
- Exteriors
- Landscaping
- Data and Voice Networking
- Access Control Systems
- Heating, Ventilation & Airconditioning systems
- Electrical Systems
- Power Backup systems
- Fire Alarm systems
NOTE : We can render the above services in any part of South Indian States Andhra Pradesh, Tamilnadu, Karnataka, Kerala & Goa.
Contact Us :
Nivas Interiors
GF, Srinilaya Apartments
Opp : Loyola College Auditorium
Srinagar Colony
Vijayawada – 520008 AP
Cell : 9347924239
http://www.nivasdesigns.webs.com
Nivas Interiors, is a Professional, creative & dynamic architectural design, Planning & Interior design Company based at Vijayawada,AP with multifaceted approach & innovative design ideas.
Our services range from Architecture, Interior Design & Landscape design, vaastu, fengshui, to HVAC, Fire fighting, plumbing, electrical and structural designing. Nivas Interiors delivers high standard of Workmanship with a stringent budget
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Motivation, The Heart Of Self Improvement
Pain may sometimes be the reason why people change. Getting flunked grades make us realize that we need to study. Debts remind us of our inability to look for a source of income. Being humiliated gives us the ‘push’ to speak up and fight for ourselves to save our face from the next embarrassments. It may be a bitter experience, a friend’s tragic story, a great movie, or an inspiring book that will help us get up and get just the right amount of motivation we need in order to improve ourselves.
With the countless negativities the world brings about, how do we keep motivated? Try on the tips I prepared from A to Z…
A – Achieve your dreams. Avoid negative people, things and places. Eleanor Roosevelt once said, “the future belongs to those who believe in the beauty of their dreams.”
B – Believe in your self, and in what you can do.
C – Consider things on every angle and aspect. Motivation comes from determination. To be able to understand life, you should feel the sun from both sides.
D – Don’t give up and don’t give in. Thomas Edison failed once, twice, more than thrice before he came up with his invention and perfected the incandescent light bulb. Make motivation as your steering wheel.
E – Enjoy. Work as if you don’t need money. Dance as if nobody’s watching
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Cheap Car Insurance Free Useful Knowledge Base
If you are looking for information about cheap car insurance, you will find the below related article very helpful. It provides a refreshing perspective that is much related to cheap car insurance and in some manner related to tesco car insurance, home insurance, cheap car insurance companies or cheap car insurance 17. It isn’t the same old kind of information that you will find elsewhere on the Internet relating to cheap car insurance.
When you buy online, a digitally signed policy is generated. This is a valid legal document. The soft copy of your insurance policy is available online and can be accessed anywhere and at anytime. Now you don’t have to worry about being more careful about your hard documents. Also, buying online is most convenient and hardly takes a few minutes.
The interest rate is reasonable, and you can normally write-off the interest on your taxes, but, you stand to lose not your car but your house if you default.
If you want to get budget car insurance, there are some other measures that you need to take. For instance, you need to be able to prove that you park your car in safe parts of town, and you have a garage to ensure that the car is safe and sound.
Many people forget that they can get more information about any subject matter, be it cheap car insurance information or any other on any of the major search engines. If you need more information about cheap car insurance, and be more informed.
Some insurers will give you a discount for having multiple vehicles
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Benefits of using herbalife
Herbalife core products consists of 3 main herbalife products. First we have herbalife formula 1 shake mix that is a healthy meal
replacement shake mix with up to 19 essential vitamins, minerals, plus herbs, including 9 grams of heart healthy soy protein to help
you feel full and stay satisfied longer*. Stress, poor diet, and exposure to pollutants can cause poor health and slow weight loss so
there is herbalife Formula 2 multivitamin that can be taken daily with over 20 essential nutrients and antioxidants, including folic
acid, calcium, and iron, plus select herbs to support healthy weight management, overall good health, vitality, promotes bone and
immune-system health*.
Fast food cuts down on your time spent on getting a meal but it also cuts down on essential nutrients. Herbalife healthy meals are great if
you’re on the go or just want a nutritious meal.Just reach for an Herbalife Formula 1 shake mix
to satisfy your hunger and help manage your weight.
In the U.S., 64% of people are overweight, contributing to a wide range of health
problems and Western diets are low in fiber, high in fat and
lacking nutritional value. Herbalife formula 1 shake mix are Scientifically formulated to nourish your body for optimal metabolism, growth, repair
and reproduction at the cellular level*.
The hardest part about weightloss is the fact that sometimes you have the munches especially at night. What if there was a way to assist you in having
appetite control. What if you can reduce carbohydrate absorption while maintaining blood sugar levels already within a normal range.* Herbalife and herbal life snack defense
is what we call an All Day Snacking Control. If you can control your appetite then weightloss will be a whole lot easier. In snack defense there exists
Gymnema which helps decrease the absorption rate of glucose in the body and chromium which is a cofactor that helps insulin perform its function, by allowing better cell-absorption of glucose.
Whenever you embark on a Weight loss journey your body goes through a change. Your metabolism can slow down and energy levels reduced. Also by reducing calories suddenly in your new diet program
can leave you feeling hungry
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CRM Holdings, Ltd. Responds to the New York Attorney General
Business Wire, Dec 09, 2009
HAMILTON, Bermuda — CRM Holdings, Ltd. (CRM or the Company) (Nasdaq: CRMH), a provider
of a full range of products and services for the workers compensation
insurance industry, today announced that it has received a Notice of
Imminent Enforcement Action from the New York State Office of the
Attorney General (Attorney General).
According to the Notice, the Attorney General intends to file civil
claims against the Company, certain of its subsidiaries, and certain
directors and officers to seek redress of allegedly unlawful practices,
unless an acceptable settlement can be reached within five days. The
Attorney Generals Notice follows over 19 months of investigation,
during which time the Company has cooperated fully with the Attorney
Generals office.
The Attorney General alleges that the Company and the other named
parties engaged in fraudulent practices in connection with Compensation
Risk Managers, LLCs administration and marketing of workers
compensation group self-insurance trusts in New York and in connection
with the Companys initial public offering completed in December 2005.
These practices are alleged to have violated New Yorks Executive Law
and Martin Act. The Attorney General is intending to seek injunctive
relief, restitution, damages, penalties, and costs.
The Attorney Generals Notice indicated that it remains open to
resolving the investigation without litigation and has provided the
Company and the named directors and officers with five days to present
acceptable offers of settlement.
The Company is disappointed by the Attorney Generals decision to bring
the lawsuit and dismayed that the Attorney Generals office chose to
disclose the Notice before the indicated window for discussion had
expired
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GM Reports 151,427 Total Sales in November
PR Newswire, Dec 1, 2009
Retail Sales for Buick, Cadillac, Chevrolet and GMC Up 10 Percent
DETROIT, Dec. 1 /PRNewswire/ — GM dealers in the U.S. delivered 151,427 vehicles in November. While this represents a decline of 2 percent compared with November 2008, GM retail sales were up 1 percent for the month. Total sales for Chevrolet, Buick, GMC and Cadillac were up 6 percent vs. the prior year. Retail sales for these brands were up 10 percent vs. the prior year, and currently represent 94 percent of GM’s retail sales performance.
“Consumer interest in our launch vehicles remains solid,” said Susan Docherty, GM vice president, U.S. Sales. “We’re working to strengthen our Chevrolet, Buick, GMC and Cadillac brands by providing cars, crossovers and trucks with the sales and service experience that our customers deserve. We have more to do, but we’re committed to earning consideration and future sales by delivering great products in every segment.”
November quick facts:
-- Combined retail sales of Buick, Cadillac, Chevrolet and GMC
represented 94 percent of GM retail sales, up from 86 percent in
November 2008
-- Total GM retail sales increased 1 percent when compared with the prior
year
-- Retail sales for Buick, Cadillac, Chevrolet and GMC increased 10
percent for the month compared with November 2008
-- Retail sales of our six launch vehicles comprised 22 percent of total
GM retail sales, more than one out of five retail sales, and volume
was 6 percent higher than last month
-- Retail sales of Buick, Cadillac, Chevrolet and GMC Crossover launch
vehicles were up 140 percent vs. a year ago compared with the vehicles
they replace
-- Combined retail sales of crossovers and cars were 60 percent of GM
retail sales for the month, compared with 46 percent in November 2008
- the eighth month at this level in 2009
-- Total sales for GM full-size pickup trucks were down 24 percent for
the month, compared to November 2008
-- Fleet sales declined 9 percent vs. November 2008
Chevrolet key facts:
-- Chevrolet retail sales were up 10 percent for the month compared with
a year ago - the second consecutive monthly retail sales gain
-- Chevrolet passenger car retail sales were up 41 percent vs. November
2008, led by Aveo (up 94 percent), and Malibu (up 34 percent)
-- Traverse retail sales were up 154 percent compared with November 2008
-- Equinox retail sales were up 247 percent compared with last year, and
up 27 percent calendar year-to-date
-- Camaro retail sales were 6,827 - the sixth consecutive month above
6,000 and higher than Ford Mustang
Buick key facts:
-- Buick retail sales were up 33 percent compared with a year ago
-- LaCrosse retail sales were up 238 percent compared with November 2008
-- Enclave retail sales were up 33 percent compared with November 2008
GMC key facts:
-- GMC retail sales were up 6 percent vs. November 2008
-- Terrain retail sales of 3,514 were 418 percent higher compared with
last year for the vehicle it replaces (Pontiac Torrent)
-- Acadia retail sales were up 17 percent compared with November 2008
Cadillac key facts:
-- Cadillac retail sales were up 2 percent and total sales were up 10
percent compared with November 2008 - the second consecutive month of
retail and total sales gains
-- SRX retail sales were 361 percent higher vs. the prior year
-- SRX retail sales are up 5 percent calendar year-to-date through
November
Other Brands Sold 11,755 Total Vehicles in November
As a percent of total GM sales, these brands represented 8 percent of sales, compared with 15 percent in November 2008.
Management Discussion of November Sales Results
“We continue to be encouraged by the latest information which shows the U.S. economy strengthening,” said Mike DiGiovanni, executive director, Global Market and Industry Analysis. “For example, we estimate that housing starts will probably rise to about 600,000 to 650,000 by the end of 2010, which will have a positive effect on the economy and will also help support improvement in light-duty pickup truck sales.”
U.S. Economy
-- Credit spread has returned to normal levels. However, consumer credit
continues to contract - reflecting both weak credit demand and
cautious bank lending
-- Consumer confidence fell slightly in November, but remains much
improved from the trough in February
-- Manufacturing sector is increasing output due to depleted current
inventories
-- Job losses continue to slow, however employment levels continue to be
a concern
-- Housing starts, new and existing home sales, and home prices are
beginning to stabilize
Appellate Division, 4th Department Case Summaries: December 2, 2009
Daily Record (Rochester, NY), Dec 2, 2009
Appellate Division, 4th Department
‘Payton’ Violation
Jury Selection
People v. Wedlington
KA 08-01146
Appealed from Erie County Court
Background: After a robbery, the defendant was observed entering a house where he was a regular overnight guest. Observing the defendant inside of the home, police identified themselves and entered. After his conviction at trial, the defendant raised the Fourth Amendment issue and argued the prosecutor improperly challenged a prospective juror in violation of Batson v. Kentucky. The defendant also contended the judge failed to give an adverse inference instruction for returning the property to the victim.
Ruling: The conviction is affirmed. Exigent circumstances existed, namely that the defendant and his co-defendant would dispose of the stolen money. The prosecutor’s challenge to the prospective juror was not pretextual. The defendant never requested an adverse inference instruction.
Thomas E. Andruschat for the defendant, and Raymond C. Herman, Erie County District Attorney’s Office
Waiver of Appeal
Plea Agreement
People v
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REEL tops for prizes; FISHING
0 Comments | People (London, England), The, Dec 13, 2009
Byline: JOHN INGHAM
PENN’S magnificent pounds 180 MAG Xtra multiplier reel is just one of the Christmas treats we’ve got for sea and coarse fishing fans.
The big plus with this reel is a magnetic control system that increases casting distance and refines the braking system.
A Mag Xtra (pictured), teamed with a PENN Powerstix 15ft 9in surf rod, worth pounds 90, goes to the shorefishing winner in our December contest. Boat anglers can win an 8ft Shakespeare Ugly Stik charter boat rod paired with a SALT multiplier reel.
JRC’s snug pounds 275 Quad two-man bivvy, supplied in a bivvy bag, is top prize for the winning coarse fish.
=The runner-up wins SKP’s new-for-2010 MACH 2 XT Commercial rod, a 13-footer for big lakes.
Under-18s can enter their best sea or coarse fish for a chance to win Shakespeare’s best-selling Blue Team Seat box. Their entries also compete for all top prizes.
Adults who merit a reward will receive a Team Seat box at our discretion.
Goldsmith Co. Jewelers Announces “Pray For Snow” Promotion
Business Wire, Dec 01, 2009
If More Than Four Inches of Snow Fall on New Years Eve, All
December Purchases Will Be Refunded
PROVO, Utah — Hundreds of thousands of dollars worth of jewelry and fine timepieces
could be given away this Christmas, thanks to Goldsmith Co. Jewelers
new Pray for Snow promotion. Utah Countys premier fine jeweler will
refund in cash the cost of every purchase from Nov. 27 Dec. 24, 2009,
if four inches of snow fall at its store in downtown Provo, Utah, on
December 31.
The promotion applies to all purchases made in-store or online at http://www.goldsmithjewelers.com
from November 27 through December 24. Goldsmith Co. customers have a
rare chance to receive some of the highest quality brands of jewelry in
the world for free. Goldsmith Co. offers Utah Countys exclusive
selection of rings and jewelry from Hearts on Fire, The Worlds Most
Perfectly Cut Diamond; the largest selection of PANDORA threaded,
collectible charm bracelets; and limited edition Breitling and TAG Heuer
Swiss timepieces, and more.
Because we take out an insurance policy to protect us, we pray for snow
with all our customers. This promotion gives people something fun to
experience with their jewelry and watch purchases, and ensures that
Goldsmith Co. is the absolute best place to buy fine jewelry and watches
this Christmas, said Trevor Feller, Goldsmith Co. president. The
promotion is also great because we meet so many new customers. We have
found that once people experience our stores personable, relaxed
environment, they readily become part of our family of lifetime
customers.
If four inches of snow fall on December 31 at Goldsmith Co.s store in
Provo, customers will automatically receive a full refund for all
purchases made between Nov. 27 and Dec. 24, excluding sales tax. For
further terms and conditions visit http://www.goldsmithjewlers.com.
Pray For Snow is the latest unique promotion from Goldsmith Co
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