Loan Agreements

By R Daniel Williams

Getting your car insured in PA is tricky. Actually, we mean you need to be aware of some legal issues if you really want to make the most out of your PA auto insurance policy. The law of Pennsylvania demands that all automobiles are covered by at least a minimal level of auto insurance. Now, the law specifies some special category of PA auto insurance coverage and some specific limits are set.

Let’s take a closer look at the supposed no fault clause. Some people say it’s a misnomer somehow. The laws in Pennsylvania in this regard are smart combination of the “no-fault” and “at fault” approach. Basically, laws in PA let a driver to pick one between no fault policies and the customary coverage, despite there’re mandates in PA law.

For an example, a No Fault policy in PA auto insurance law applies straight to all sorts of medical expenditures or loss of wages that incurred due to a car accident. Expenses for every driver involved in that accident will be covered by dint of their respective individual policy. And such provisions apply disregarding who among the drivers were responsible for the auto accident. Nevertheless, reports are taken from authorities, witnesses and on duty police. Like we just said, the costs are bore only through the policies that each insured holds, instead of the traditional approach of bearing those expenses through the PA auto insurance policy of that driver who was found responsible for an accident.

On the other hand, if your PA auto insurance policy holds an At Fault provision, things could be a lot different. In this case, compensations are paid for the pain and/or suffering of the injured or other types of losses which are not in any way linked to those billed expenses. That means, when a person found to be responsible for the accident due to his or her negligence, will have to compensate the injured people since they were harmed by his faults that lead to the accident.

But no matter what your PA auto insurance policy holds, you can’t do without it usually, as the state law makes it mandatory of all car owners to have a minimum level of coverage for their vehicle. Putting it straight and simple, drivers are required to carry at least some liability insurance coverage. This is meant for protecting PA drivers from getting financially handicapped because of the huge claims that might be filed against them if they’re at fault on the event of an accident.

Just in case you didn’t know, the law related to PA auto insurance requires that a minimum amount of $15,000 coverage is held for a person and $30,000 of coverage is held for each incident. This generally is called the 15/30 coverage clause. According to the state law of PA, it’s also obligatory that you have a minimal no-fault coverage that will cover all the medical bills for you when you’re injured in an accident. The minimal coverage here is $5,000.

About the Author: 1984 Univ of Pitt Grad Founded Williams Agency in 1986 Am currently active as owner-agent. Happy to serve over 3500 Pa residents with better insurance at much lower prices. Better Pa Car Insurance at Much Lower Prices

Source: isnare.com

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By Jenny McLane

The Mercury Mariner Hybrid uses both gasoline engine and electric motor, which gives a 50% increase in driving efficiency with a much lower emission. All this is achieved by the use of 6 powertrain components, which work in perfect unison. Ford motor has 40 patents in hybrid engine technology and 70 pending.

“The greatest appeal of the Mercury Mariner Hybrid is that it satisfies both your environmental conscience and sense of style. Mariner Hybrid retains the clean, tailored appearance of the conventional Mariner,” said Peter Horbury, Executive Director, North American Design.

Being a full hybrid, the Mercury Mariner employs both series- and parallel-hybrid characteristics. The gasoline engine shuts down to conserve fuel during coasting, at stoplights, and at low speeds. The electric motor, drawing electricity from the battery, is able to drive the vehicle without assistance up to 25 mph.

It has 2.3-liter DOHC Duratec four-cylinder engine with 2 ac electric motors with 250 D-size nickel-metal hydride batteries in a compact, rear-mounted, sealed package. The vehicle could go up to 25 mph with only electric power. The gas engine automatically shuts down at stoplights, during coasting or while vehicle is crawling at low speeds. 2006 Mercury Mariner Hybrid has a greater fuel economy in city driving where electric motor runs the vehicle up to as much as 25 mph.

The Mariner hybrid has 16-inch, five-spoke aluminum wheels wrapped with 235/70R-16 all-season tires and a discreet air vent in the driver’s side rear-quarter window that helps cool the rear-mounted nickel-metal hydride battery pack. It has an all-new Intelligent 4WD System, which automatically transfers torque from front to rear as required by road conditions without driver intervention.

Mariner powertrains include a 2.3-liter 16-valve I-4 and a 3.0-liter 24-valve V-6 Duratec engine. Both engines come with a standard 4-speed automatic transaxle.

It also features a front end with the vertical, satin-aluminum-finished waterfall grille framing the floating Mercury emblem. The fascia features a stacked-element theme with complex refractor headlamps over inset fog lamps. A high-impact-plastic (HIP) aluminum-look bumper insert and U-shaped air intake below the bumper.

Mariner has the latest level of the Personal Safety SystemTM, one of the most comprehensive and technologically advanced safety systems available in any vehicle in any class. Seat-mounted front side air bags and side air curtain air bags are optional.

“Mariner Hybrid fits perfectly with Mercury’s design philosophy,” says Richard Gresens, Mariner chief designer. “It’s a stylish, elegant design with clean simple lines. It’s an urban sport-utility, comfortable going to a club downtown, yet still possessing all of the capability and versatility of a sport-utility. At the same time, it’s environmentally friendly.”

To continue Ford’s tradition of offering environment friendly, outstanding value and class leading amenities, auto parts companies like Partstrain offers top of the line Ford Parts. The customer has a choice from a vast array of Performance Parts, Replacement Parts, Aftermarket Parts and accessories. It offers new and used Ford auto body and engine parts, headlights, transmission parts, taillights, radiators, wheels, rims, and more.

You can shop securely for your Ford parts with Parts Train’s online store at http://www.partstrain.com/ShopByVehicle/FORD The Ford OEM parts you need are in stock and ready to be shipped.

About the Author: Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.

Source: isnare.com

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