Rough roads: the 6 worst places to get into a car accident

Dalton Highway Nobody wants to get into an accident, but over the course of a lifetime, many of us will have at least one fender bender. While an accident can be a hassle, most of us will simply call the police and a tow truck and begin the auto insurance claims process. Unfortunately, there are places where having a collision is much more complicated. Here are the six worst roads to get into an accident. 1. The Loneliest Road, Nevada This stretch of U.S. Highway 50 runs from Ely to Fernly in Nevada. It covers 287 miles and passes through nine small towns with just a few gas pumps. The Loneliest Road was given its nickname by Life magazine in 1986 and AAA warns motorists "not to drive there unless they're confident in their survival skills." You can literally drive for hours without passing another vehicle, so if you are in a collision it will be awhile before the police arrive to take your accident report. If you decide to drive this road, plan ahead and carry the proper supplies. 2. U.S. Interstate 70 in Utah I-70 runs from Cove Fort, Utah across the country and ends near Baltimore, Md. While the… (continue reading......)

Spending spree: 8 hard-to-insure luxury items

Finding the proper insurance for your spending spree may prove difficult Luxury items motivate some of us to work hard, in the hope that we'll be able to purchase the expensive merchandise one day, and they could be the reason some lottery winners end up broke a few years after buying their winning tickets. If you find yourself in a position to own one or all of these luxury items, just keep in mind that costs of these goods continue even after the initial purchase. No matter how you end up with the wealth to buy any one of these products, you'll want to protect your high-end merchandise with insurance. Whether you're the agent or the policyholder, hard-to-insure luxury goods presents a number of insurance challenges. 1. Seabreacher X The Seabreacher X makes for a pretty cool over-water/underwater vehicle. The submersible watercraft looks like a giant stainless steel shark bolting up out of the water. The watercraft can reach speeds of 50 mph on top of the water, and when this sweet submersible dips beneath the surface, it is capable of travel speeds of 25 mph. The Seabeacher X allows two people to enjoy the deep blue sea without making compromises to comfort and features an onboard stereo system with an… (continue reading......)

10 amazing infographics to help you visualize disasters

Disasters can be man-made or natural, but they all have causes. It can be difficult to understand how or why a disaster occurs, but infographics can be quite useful in visualizing what happens when disaster strikes. Here are 10 infographics that can help you learn more about disasters, and what to expect from them: 1. Death Map USA If you're interested in seeing where deaths due to natural disasters are most likely to occur throughout the United States, Dealth Map USA could help. You can see where hazards such as wildfires, drought, earthquake, hurricane and more are most likely to result in death. An interesting look at where you could be at most risk, especially since it appears that Americans are more likely to die as a result of extreme heat and cold, as opposed to severe weather conditions and dramatic natural disasters. 2. Chernobyl Many people are concerned about the risks associated with nuclear power. One of the reasons is due to the accident at Chernobyl in 1986. This useful infographic presentation takes you through different illustrative slides that describe how Chernobyl happened, and the consequences of the most devastating nuclear accident in history. 3. Columbia Disaster The disaster… (continue reading......)

Con artists take advantage of tragedy

Some con artists look to profit from tragedy. They come out of the woodwork following a natural disaster when you could be at your most vulnerable. According to the National Insurance Crime Bureau, a non-profit that educates people about insurance companies and insurance fraud, it's common in the aftermath of a disaster for local professionals to go door-to-door to offer help in clean up or to repair damage. But, buyer beware: While many of these contractors are reputable, some aren't. Unscrupulous businesses (or individuals) use various schemes after a natural catastrophe strikes a region. Some of these include overcharging, pocketing upfront payments without doing the work, using shoddy or cheap materials or trying to scam people out of their insurance companies' claim checks. How to avoid con artists after a disaster If you're the victim of fire, earthquake, flood or even an oil spill, make sure you take these precautions before you hire a contractor to clean up the mess: 1. Get two (or more) estimates. 2. Get all repair work in writing and have it signed by the contractor. Ask specific questions about the cost, work detail, time schedule, guarantees and payment schedules. Also, never sign a contract with… (continue reading......)

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