auto insurance southern

Daylight savings time is a clock time advancing technique that makes afternoons have more of daylight when compared to mornings.

In British English it can also be referred to as the summer time. To be in the right track the clock must be adjusted one hour ahead near the start of spring and in autumn the clock is adjusted backward to achieve the highest advantage of the later hours of daylight between February and September.

History has it that during the World War I in the process of preserving energy for war production day lights savings was introduced.

The day light savings has one major advantage which is “it saves energy”. Experts explain more that if calculated in hours, energy saved throughout the day could equal to the sleeping time. In other words the energy used in lighting our homes in the day is directly proportional to energy used at night.

The day light savings time has its procedure. For instance, on the second Monday in February at 3.a.m. the clocks are set ahead of the standard time by an hour as time proceeds the time is brought back to the standard time at 3 a.m. on the first Monday in October by bringing one hour backwards.

The name of time zones in the US changes for example Eastern Standard Time will be called Eastern daylight time and Central Standard Time (CST) becomes central daylight time this continues like this.

The day light savings time is usually experienced from September to February where summer comes in December in the Southern hemisphere. Due to different in the time schedules and patterns of other regions the Asian region nearly did not experience the day light savings.

Where To Get More of Day Light Savings Time and Finance Online?

Big brother is not playing games anymore. The State of California has implemented a new system whereby as of October 1, 2006, the DMV begin a systematic review of the 22.4 million private cars, light trucks and motorcycles registered in the state.

If your motorcycle, car, truck or other motor vehicle is found to be uninsured you will get a 30 day warning letter. If you fail to get insurance after that the State will suspend you registration. If you are found to be driving without a proper registration, your car can be seized by the State, and you can face fines of up to $1,000.00.

This is no joke folks. If you are driving around without insurance you will eventually be dinged.

Furthermore, insurance providers are now required by the State to notify the DMV if your insurance is cancelled or expired.

What does this mean to you? It means if you are driving around with no insurance you are screwed. The State will eventually catch up to you. The days of buying insurance to get your registration and plates, only to cancel one month later are over.

If you get into a motorcycle, car or other motor vehicle accident and have no insurance, you face losing your drivers license for up to a year, fines of up to $2,000.00, and the possibility of being hit with a civil judgment which requires you to pay for the damage you have caused.

The minimum liability insurance requirements in the State are presently $10,000.00 for property damage, $15,000.00 per person, and $30,000.00 per occurrence.

The purpose of the law is to supposedly make it fair to the people that do pay for insurance, and to drive down insurance rates. I agree that it is not fair that law abiding citizens pay for insurance while 15% of the people in the State do not, however, and as usual, the insurance companies will make out like bandits with this new law. I doubt seriously that insurance rates will go down.

As a personal injury lawyer I can tell you that it pains me to see someone get hit by an uninsured motorist so it is good that the State is cracking down on this issue. However to be really fair the State should force the insurance companies to lower their rates in return for this law.

There is one other thing to note; if you are uninsured and you get into an accident that is not your fault, no will only be able to recover out of pocket losses and that is it! To add insult to injury you could lose your drivers license for 1 year and have to pay up to $2,000.00 in fines for driving without insurance.

The bottom line; get liability insurance. The cost of not having insurance is much greater than the cost of getting insurance. If you cannot afford liability insurance; do not drive!

By Norman Gregory Fernandez, Esq. © 2006

Most of us are familiar with the usual discounts insurance companies provide: discounts for good grades, having a clean driving record, driving a safe car and being a mature driver. Now there is a new opportunity for New Yorkers to receive a mandatory three-year, 10% annual discount on their car insurance. It’s called online defensive driving. Yes, for many New Yorkers this is very exciting news as New York has one of the highest auto insurance rates in the country.

Even more exciting is that, in addition to the insurance discount, taking the New York defensive driving course can also reduce up to 4 points from your driving record. According to the New York State DMV this can be done only if you received your points within the last 18 months, and will not reduce your active point total to less than zero.

This new online defensive driving allows you to take the course around your schedule, from any computer, without having to do it all at once. No more lost Saturdays and long hours in a boring lecture room. This traffic school course is available 24/7 and allows students to log on and off as many times as they want. Every student has up to 30 days to complete the course after registration. Even better, the same course can be taken every 3 years to continue the mandatory 10% insurance discount.

The New York Safety Council, one of the first to offer the online class at http://www.NewYorkSafetyCouncil.com, utilizes voice biometric technology to verify the student’s identity throughout the course. This advanced technology allows for identity verification without having the student visit a notary or proctoring center. For this reason, a final exam is not necessary in the course. It is truly 100% online.

As with most internet delivery programs, this defensive driving was created to maximize convenience and to assist those who do not have the ability to get to live classes. Now the online course will be able to reach and benefit more people without having to take time off work, lose a weekend, or waste time and gas. A class that saves you money and can be completed at your convenience: finally, a glimmer of hope in a very gloomy economy.