By Ed Sneineh

The insurance business world is one of the very few places where age can be used to distinguish between citizens based on their age. Insurers assess different charges for different people depending on their age. If you are a 16 year person and you feel that you are going to be getting a healthier premium than your 22 year old buddy because you are better committed than him or her then you are making a wrong analysis.

Insurers tabulate their insurance charges using ‘brackets’ or categories of consumers grouped together with certain common elements. These classes could differ based on a number of factors like age, marital status, gender, area, consumer credit rating etc. This essay is partial in its extent to the age element.

Young Operators Groups:

Below Age 18: This is the age category where insurance price is the at record high. People in this age group pay as much as 175% to 225% more than mature operators. Since no one below age 18 will get a CDL, any operator below the age of 18 driving a motor vehicle that has business coverage may be risking declination of coverage in the event of an insurance claim.

Age 18 Years to 20 Years: Individuals are still classified as young drivers, and they still have to pay greater prices than mature drivers, though their premiums are much less than the previous bracket. At age 18 individuals can possess their CDL. Most insurers that may consider them will not even look at there insurance submission for policies that require interstate setup coverage. Companies that allow them to be on a business policy will restrict their insurance coverage to intrastate activities.

Age 21 to 24: This is the last bracket in the classification of youthful drivers. Insurance premiums for private insurance begin to stabilize with most insurance companies, when compared with prices served to mature operators. Age 21 years is where many commercial insurance companies start to accept commercial auto insurance applicants with interstate bearing. All companies will put in special price extra charge for commercial operators under age 21 years, and some insurance companies may require a specific period of expertise like 12 to 24 months of experience to look into them for insurance coverage.

Mature Operators:

Age 25 years to 69 years: A large number of insurance companies impose very similar prices for this age category, although a small number of insurance carriers begin to charge small build up in their premiums beyond age 60 years. Age does not seem to be important for this class.

Old Drivers:

Over Age 70 Years: There are important studies made by insurance companies and the National Highway Traffic Safety Administration- NHTSA www.nhtsa.gov that suggest that individuals over age 70 years begin to lead to more traffic accidents. For that reason, insurance companies take certain measures to implement the right rate with the appropriate medical reports from them. Most business polices do not cover operators above age 71 or 72 years. On the individual insurance level, almost all companies stop selling newer polices for customers beyond 76 years of age, and other companies make the insurance price very excluding.

What else can be done to decrease the influence of age on premiums? There is not much that old and young drivers can do. Young operators and older operators are leading to more highway accidents, relatively speaking, and they must simply pay the price for that. Many insurance carriers accept good student discounts for younger student operators, and other companies may permit occasional operator status on their policy. For older drivers, making sure that you have the correct medical record that shows the physical and mental functionality of the old person to drive the car is wanted to give to the insurance representative. The absence of that note to be provided in timely manner may end in ceasing the policy which might be complex to replace with another company afterwards.

About the Author: Ed Sneineh, insurance professional for over 20 years, former college educator of insurance, and founder of Insurance Navy, a leader in quoting Chicago car insurance. Visit our blog for up to date information or get your SR22 Auto insurance Illinois in 5 minutes or less. Insurance Navy represents major carriers such as AAA, Travelers, Progressive, Hartford, and more than 20 others

Source: isnare.com

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By Paul J Hanson

In Australia, Colorbond steel roofing is a proven, durable and versatile roofing material that is used in many types of buildings including homes, offices and industrial buildings of all sizes. In fact Colorbond can also be used for gutters, fascias and downpipes as well as walling and insulated panels.

Colorbond metal roofing, manufactured by BlueScope Steel, is based on Zincalume steel which has a zinc and aluminium coating to provide anti-corrosion protection. A polyester primer is then baked onto the surface and a final top coat applied in the form of a tough, exterior paint. Colorbond paint is well known for the wide range of colours on offer. The standard range of colours comprises of 20 different colours including greys, blues and greens.

The durability and toughness of Colorbond roofing materials makes it a popular choice in both urban and rural areas of Queensland. In particular, corrugated metal roofing is a common sight on homes and residences in the Brisbane area. Of course, it is not only roofing you will see but Colorbond guttering, fencing and wall panels are also popular.

When looking for roofing specialists to install a steel roof on a new building or for a metal re-roofing project for an older building, there are some things you should always check.

In the first place, ensure the company you are choosing has the correct Australian certificates and licences to carry out the work. This includes licensing by the Queensland Building Services Authority, insurance for public liability, working at heights and asbestos removal. This will ensure that you, as the customer, will not be liable for any unforeseen insurance related issues that may arise. Cutting corners with under insured contractors is a big risk not worth taking.

Next, do not be shy about asking for references from other customers of the roofing contractor. Some areas to find out about include professionalism of staff, technical knowledge, progress reporting and quality of finish. You will want to understand how well the company communicates with their customers, how do they deal with issues when problems arise (and they always do!) and how they take responsibility and solve these problems? This is particularly important if the company has to remove asbestos from a roof.

Find out if the roofing company uses sub-contractors on their jobs. Many firms do use sub-contractors and this can cause problems ensuring the quality of work is completed to a consistently high standard. Different sub-contractors have different ways of doing things and this can cause problems down the line if repairs are required to mend a sub-contractor’s work. However, if the roofing company only has full time staff on its books, then they can more easily establish their own standards for roofing and re-roofing buildings. This in turn provides their customers with the highest quality of service.

In summary, using Colorbond for corrugated metal roofing is a popular choice in Australia. There are many roofing companies that can offer the service to install a Colorbond roof but you need to check further to find out if the company is properly accredited and insured, has satisfied customers and is able to deliver consistent and high quality work.

About the Author: This article was prepared on behalf of NSA Roofing, a Brisbane roofing company providing professional roofing, re-roofing, guttering and insulation services. Contact Andrew Gardiner on 1300 492 663 to discuss your next roofing project. Visit http://www.nsaroofing.com.au for further information.

Source: isnare.com

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