Monday, October 31, 2005

Whoooo, Halloween!

It is the spooky day, but it was mostly uneventful. So far, anyway. I imagine we will have kids trick or treating tonight. We have a supply of goodies for them.

I had physical therapy this morning. Early, because I forgot about physical therapy when Dr. Dhruv's office called last week to see if we could come earlier today, so then had to change my pt appt to even earlier. Yikes! So, 8.30 saw me on an exercise bike. Most people at the therapy office didn't dress for Halloween, but one therapist wore a kangaroo costume that his mother-in-law had made. Looked great!

Anne and I easily made it to Dr. Dhruv's for Anne's appt. I will talk about that in the Brain Blog.

We ran some errands after that. I had gotten a call in to Dr. O'Hare's office about the antibiotics this morning, before leaving for Anne's appt. Dr. O'Hare is out today, of course, so they were going to check on it and someone would call back. I did get a call, and they called in a prescription to the pharmacy. We picked the new meds up before coming home!

We got home and Anne headed to bed for a nap. We are both pretty tired. I had a call from Christine right after getting on the computer!!!! They got the package with the costume. It arrived on Saturday but it was very foggy on Saturday and they wisely stayed safely at home. Christine got the package today before taking Michelle for her baby appt---time for shots. Our poor baby! As can be expected, she didn't like that at all!!! Everyone loved the costume, and we look forward to seeing photos of our baby in it! Brian and Christine will wait till another day, when Michelle is happier, before taking the photos! As can be expected, she wasn't a happy little girl after getting her shots. She has been pretty fussy and unhappy all day.

On the growth front, Christine reports that Michelle is up to 12 pounds, 12 ounces and is 23 and 3/4 inches tall!!!! Our baby is growing! I am sure she is cute as can be, and we will be so glad to have Michelle and her mommy and daddy back in the States, and easier to see!

I guess that is it for now, and I will go update the brain blog now. Take care and have a safe and spooky Halloween!


At 7:58 AM, Blogger Stan said...

Different Car Insurance

There are different types of insurance coverage available, thus the best question to ask when applying for insurance, is which policy is available to me. In the beginning of the 19th century laws were passed stating that anyone driver a motor vehicle is by law obligated to have a measure of coverage. The drive can take out full coverage, or else �third-party� coverage, which will protect them in the event an accident occurs. The policy will keep you out of the arms of the law even if you are pulled over for a traffic violation, by protecting you from getting citations, fines, jail, or towed vehicle for no proof.

Third party will offer a measure of protection, however it will not protect you entirely if an accident occurs, and most likely will not cover you if your car is stolen. If you possess a �High-Performance� or �Classic� vehicle, then you will need supplementary coverage, outside of third-party coverage. In fact, you will need full coverage, plus the supplementary coverage to protect your vehicle. The coverage offered to these customers is to protect them extensively, since the risks are higher and the cost of repairs on such vehicles is twice more expensive than standard vehicles.

If you only take out third-party insurance on a high dollar vehicle, then you will pay the cost of repair and suffer losses in the event you are in an accident, unless the other driver is at fault. However, if that driver is at fault, still you may pay the cost that is not covered under the other drivers insurance if he too has third-party coverage. The third-party coverage will cover drivers on �public roads,� or private roads.� The policy may offer limited coverage for �legal liabilities� and �passenger indemnity.� The passenger indemnity means that if you are driving and your passenger hit�s a parked vehicle with the passenger door then you will be covered. The coverage may offer protection against fire and theft also, which will provide you a measure of coverage in the event your car is stolen or fire occurs. However, you must read the terms and agreements carefully, since some third-party coverage is minimal and will not offer this protection. On the other hand, comprehensive full coverage will defend you on nearly every possible occurrence. Comprehensive full insurance coverage �is the complete form of car insurance� that �adds accidental damage� coverage �to the 3 policies discussed.�

The comprehensive coverage can protect you, despite the level of damage, and will cover you on many �personal accidents� in the event you are injured. Third-party coverage was not planned to provide the coverage that the comprehensive policies bring. Third Party Only is a liability policy that will prevent you from charge if you cause an accident. The Policy will provide a measure of assurance that if you are in an industrial accident �the innocent party�s repair/replacement costs are insured against.

Thus, insurance coverage is different and most companies base the pricing on age, driving history, gender, type of car, and so forth. Regardless of the type of insurance you are seeking, all policies have premiums. The companies will often ask customers to provide an estimated guess as to how many miles you drive each year and this too will affect your premiums. Most companies estimate that drivers should only drive around 12,000 miles per year, but it depends on the company. Furthermore, under law you are responsible for your vehicle, therefore, if you are seeking insurance coverage and intend to allow other drivers to drive the car, make sure you get coverage for other drivers, otherwise if the driver causes an accident, by law you will pay for the damage, loss, death, and any other problem the accident caused. Thus, if you have a new car, high-performance vehicle, and other risky materials or issues that can increase your premiums, take not of each area that may be considered a high risk and point this out to the agent ahead of time. It makes sense to get several quotes if you pose a potential high risk to find the best rates on car insurance plans.

For more insurance information please visit or

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