It is understandable that after an auto accident it can be incredibly stressful, however, it is important to keep your cool and to think straight.  Here are a few tips to check off after an accident.

1) Check for Injuries:  Determine if you are anyone else in the car is hurt, if you have any doubts call 911

2) Get Safe: If possible, make sure to move the care to a safe location away fr om the main roadway and out of the middle of the street.

3) Call for Help:  Notify the policy fo the accident if they don’t show up on their own.

4) Take Notes: Be sure to get the name, contact and insruance info of the other person or or persons involved in the accident.

5) With most people having smart phone take a few photos of the vehicles that where involde in the accident.

6) Start your Claim: As soon as possible, notify your insurance company to what has happen and file the claim.

Auto insurance discounts can make a difference. Most insurance companies offer auto insurance discounts for things like a safe driving record, car safety features, anti-theft devices, electronic payments, payment in full, and more. Make sure you’re getting rewarded for being a safe driver and for having a safe car by shopping around for car insurance that appreciates your record.

Driving over bridges can be terrifying. One woman was so frozen with fear, she could not even start the journey across. Luckily, a San Francisco officer with a lot of patience and understanding helped her make the crossing.

She was on her way to a friend’s wedding last month, but the only way to get there was to cross the Golden Gate Bridge, She made it to the starting gate, but then she froze. She tried to move her car, but ended up panicking that she wouldn’t be able to make it across and pulled over to the side. She then noticed a police officer pulling up behind her.

“I know I got to go, I’m just scared,” she told the officer before breaking down into tears again. She told the officer she was worried about passing out due to her fear. The officer then made a remarkable offer.

“I’ll be behind you the whole time. Just take it nice and slow,” the unnamed officer said. He assured her everything would be fine and she could take all the time she needed. Later, She wrote online thanking the officer for his reassurance, saying he helped her conquer one of her biggest fears.

How Do Invisalign Braces Effectively Move Teeth

Like brackets and arch wires, Invisalign braces or aligners move teeth through the appropriate placement of controlled force on the teeth. The principal difference is that Invisalign braces not only control forces, but also controls the timing of the force application. Instead of pulling your teeth to their target position like traditional braces, Invisalign pushes your teeth to its location. At each stage, only certain teeth are allowed to move, and these movements are determined by the orthodontic treatment plan for that particular stage. Invisalign 3D imaging technology plans out the movement and figures out how many aligners will be needed to get the job done.

Invisalign Express for example is more affordable, because it is for minor spacing issues and needs very few aligners to get the job done. Invisalign is revolutionary because instead of the “metal bracket” traditional braces, Invisalign is invisible while still straightening your teeth.

Invisalign Dentists and Orthodontists will tell you that not wearing your Invisalign aligners might be the more important mistake young adults make during treatment. Unlike traditional fixed braces, they are largely dependent on a patient’s habits and their consistency in wearing the aligners. Invisalign is a great way to straighten your teeth, but there are always bumps in the road.

A Texas man escaped a nasty situation when his Toyota SUV got hung up in some safety wires after plunging from the roof of a parking structure this past weekend.

According to KXAN, a young man was parking his 2004 4Runner on the top deck of the nine-story Littlefield Garage in downtown Austin when something went wrong. As he pulled into an outward-facing parking spot, the SUV failed to stop and rolled off the edge of the structure. The 4Runner’s front axle became entangled in the structure’s wire safety barriers and, as it fell, it flipped over and came to a stop in midair, still running, with the terrified driver trapped inside. Zachary Cayson and his two friends had just parked their car in the garage when they witnessed the event.

Auto insurance companies use many different criteria when evaluating an insurance application. Each car insurance company has guidelines regarding which groups of drivers they want to accept and how much they will charge those groups they consider a greater risk. The guidelines are different for each company, meaning that two companies comparing the same driver can arrive at vastly different conclusions. Which is why shopping out your auto insurance each year is a good idea to make sure you are getting the lowest cost for the coverage’s you are buying.

Insurance company look at your motor vehicle records to see how many accidents or tickets you may have. Many insurance companies also use an insurance history report to see if the driver has made any car insurance claims, and how much money was paid. Accidents and violations can normally only affect the rates you receive for three years.

Higher deductibles can lower your auto insurance premium. Insurance prices are based on how much money the insurance company believes it could have to pay. If you agree to pay for a larger portion of your own damages by raising your deductibles, your car insurance company automatically knows they will not have to pay as much for your claims. Because of this, they will usually give you a lower premium. If you decide to raise your deductibles to save money, be sure you can afford to pay the deductible if you have to make a claim.

Invisible Braces – Straightens Your Teeth Without Using Bands

Invisalign, invisible braces, straightens your teeth without using bands, metal brackets or metal wires making Invisalign more visually appealing. Invisalign also allows you to brush and floss normally to maintain healthy gums and teeth; and there are no wires, metal or brackets to cause mouth abrasions and discomfort.

Invisalign Teen system straightens your teeth with custom made clear aligners that are comfortable and invisible. The aligners give less force per week and less pain than do fixed appliances (traditional metal braces). Invisalign is known for being much faster than traditional braces with most treatment times lasting less than a year.

Last year saw the largest rise in traffic fatalities since 1996 and according to the National Highway Traffic Safety Administration’s preliminary data for the first half of 2016, the number of deaths is up once again. Road deaths in the US rose 10.4 percent in the first six months of 2016 compared to the same period in 2015.

The data, which has not been finalized, reveals that an estimated 17,775 people died in motor vehicle accidents in the first half of this year. Over the same period in 2015, there were 16,100 reported fatalities. The preliminary figures from this year are the highest since the first half of 2008 when a reported 17,894 people died in traffic accidents.

 Should children get dental sealants?

Dental sealants are important for children since they protect the top surface of the molars where pits and fissures are more prevalent and are susceptible to bacteria by getting trapped in the pits and fissures of the tooth which leads to the onset of cavities.

The plastic material / dental sealant covers the top surface area of the molar. Your dentist needs to be consulted before you have any dental work done on children to ensure they are receiving the proper dental health care.

What are dental sealants?  Dental sealants are a plastic material applied to the back surfaces of the teeth to help prevent cavities.

What are the costs of dental sealants? Dental sealants cost approximately $25-$49 per tooth but this can vary depending upon the geographic area in which you live in and the type of dentist you visit.

Do dental insurance plans cover dental sealants?  Some dental insurance plans do cover a percentage of the dental sealant procedure. Coverage depends upon the type of policy you purchased, the coverage limitations, co-insurance, policy waiting periods and deductibles

In an insurance contract, a third party is anyone other than the policyholder and the family members covered under the insurance policy. The policyholder is the first party. The insurance company is the second party in the contract. Anyone else is a third party.

According to Forbes, Progressive started offering their telematics program back in 1998, and one-third of overall customers opt-in to participate and of that one-third, two-thirds receive savings. Allstate also offers a program called Drivewise, Esurance offers Drivesense and State Farm offers Drive Safe & Save, to name a few.

Currently, all of the usage-based insurance programs only reward you for your good driving with savings; however, in the future, it is expected that users will also get penalized for poor driving. Essentially, If you typically drive well above the speed limit, take risks on the road or drive erratically, telematics is not the best option for you because you won’t receive any savings for your driving behavior. It’s important to note that telematics is currently not offered in Alaska, California, Hawaii, Indiana and North Carolina.

Correctly Shop for Online Vehicle Insurance without Personal Info.  Although the ability to obtain rate quotes from insurers without providing items such as social security and driver’s license numbers, consumers must be aware that there is information that is need to provide a quote and this is true whether shopping online or off. Without this data it would be almost impossible to calculate an estimated premium for coverage.

When a person ask a company or agent for a quotation they will usually need to provide their name, garaging address, date of birth, a description of driving history (tickets and accidents), a description of credit (poor, fair, good, or excellent) and the year, make and model of the vehicle(s) to be insured.

One must be aware that to correctly shop for coverage without providing personal information, any info provided must be as accurate as possible, especially when it comes to driving and credit history. Driving records are one of the most influential factors that will determine what a consumer will pay for coverage; when ask about tickets or accidents, motorists need to be as honest as possible to avoid future surcharges. If a consumer decides to purchase from a policy, the provider will run a Motor Vehicle Report (MVR) during the underwriting process and if any items appear that were not mentioned, a rate increase may be charged. The same applies to credit and once a policy is purchased, poor credit may adversely affect premiums.

According to Utah Insurance Department, the Far Credit Reporting Act (FCRA) allow insurers to look at credit information to rate drivers. If an individual describes their credit as “good” and it is “poor”, they may receive a surcharge. Due to respect for privacy, insurers provide quotes with minimal info required, but consumers should be as honest as possible to get an accurate rate quote.

HAAS Alert lets you know when emergency vehicles are near.  The way the system works is simple. Emergency vehicles, like firetrucks or ambulances equipped with HAAS Alert, will automatically send a notification to phones with the apps installed that notifies drivers that there is an approaching emergency vehicle. It’s not totally unlike Waze, but the notifications are directly from the source, not from HAAS Alert users.

The insurance industry is state regulated. State insurance laws are administered by insurance departments whose job includes approval of rates and policy forms, investigation of company practices, review of annual financial statements, periodic examination of books and liquidation of insolvent insurers