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April 21, 2014

Andrew Silow-Carroll: Passoverkill? Suggestions to make next year's seders even more culturally sensitive

Sara Israelsen Hartley: Seeking the Divine: An ancient connection in a new context

Christine M. Flowers: Priest's execution in Syria should be call to action

Courtnie Erickson: How to help kids accept the poor decisions of others

Lizette Borreli: A Glass Of Milk A Day Keeps Knee Arthritis At Bay

Lizette Borreli: 5 Health Conditions Your Breath Knows Before You Do

The Kosher Gourmet by Betty Rosbottom Coconut Walnut Bars' golden brown morsels are a beautifully balanced delectable delight

April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review March 12, 2014 / 10 Adar II, 5774

Should you report that fender bender?




http://www.JewishWorldReview.com | Pop quiz: You and your SUV are in a minor, low-speed accident. Luckily, no one is injured, but there's a little damage to your vehicle -- more than just a scratch -- and maybe to someone else's car or property. Should you inform your insurance company about it or keep the matter quiet and pay any repair costs out-of-pocket?

Fear of an insurance rate hike is often the concern behind that question, Consumer Reports notes. But there are some important factors to weigh as you determine your best course of action.


WHEN TO REPORT IT

Seven in 10 auto accidents in 2011 involved another vehicle, according to Department of Transportation data, as did 52 percent of car insurance claims filed in recent years by more than 31,000 Consumer Reports subscribers surveyed last summer. If your mishap falls in that category, always report it, especially if you may have been at fault, because your coverage also protects you against liability for harming others.

Your insurance company and some state laws might require you to report in such cases. But officially documenting the facts is also in your own best interests whenever you're involved with a stranger in a potential damage claim situation -- even if you and another reasonable person work out a private arrangement to keep the insurance companies out of it.

Repairs often cost more than people anticipate. For example, when a 2010 Toyota Corolla rear-ended a 2010 Toyota RAV4 at 10 mph in testing by the Insurance Institute for Highway Safety, the Corolla had more than $3,800 in front-end damage and the SUV incurred more than $6,000 in rear damage, because of the vehicles' bumper height mismatch.

The Corolla's damage looked minor, and the RAV4's was almost imperceptible. Even the cheapest damage in 14 such trials involving seven vehicle pairings produced almost $3,000 in total losses -- six times the typical $500 collision deductible.

Even the lack of immediate injury can be deceiving. The adrenaline rush accompanying even a low-impact crash can mask injury symptoms, and soft-tissue damage can take 24 to 48 hours to show up. Bogus injury claims are another possibility worth considering.

If you don't report and big costs surprise you later, your insurance company might not pay because its ability to investigate the claimed damage, when time was of the essence, has been lost.


WHEN IT'S A TOSS-UP

Your toughest decision-making challenge comes when the damage is to your own vehicle and property. Filing a claim would probably produce a tempting payout of several hundred to more than $1,000 after the deductible. You must consider an unknown factor of how your claim might impact your premiums.

Unfortunately, Consumer Reports points out, it's impossible for consumers to know in advance how much their premiums will increase, and for how long, to weigh that against a claim payout. But among its subscribers, 7 percent of claimants felt that their insurer unfairly raised their premium as a result of their claim. Most states regulate "chargeable" accidents, which are loss payouts that auto insurers are allowed to count against your driving record in calculating your risk and setting your premiums. The rules vary from state to state, but payout thresholds of $500 to $1,000 are typical, which means that accidents costing the insurer less than that can't raise your rate. Major insurers also apply their own loyalty programs, which give "accident forgiveness awards," based on how long you've been with the company and your good driving and payment record.




WHEN YOU SHOULDN'T REPORT

If the damage is minor and confined to your own vehicle and property, maybe from backing into your fence or garage door, you're typically not required to report it to your insurer if you're not making a claim. It also doesn't make economic sense to do so if the repair cost is smaller than or not sufficiently bigger than your collision coverage deductible.

Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.


Previously:


Great new sites for saving big
Better joints without surgery
6 surprising hazards in your home
Protect your good name online
Great car care gifts
How low car payments can hurt you
High-fiber cereals can satisfy your taste buds
What you need to know about prepaid cards
The only 2 rewards cards you really need
Can good bacteria fight a growing medical threat?
11 things every home should have
Dump your big bank and save
Beauty products you're probably using the wrong way

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