One of the biggest things you are going to have to worry about after a hurricane hits would be your insurance coverage. My mother had to deal with the insurance several times when we got hit by Hurricanes Charley, Francis, and Jeanne. There’s a lot of red tape you’re going to have to deal with the insurance agencies such as Allstate, MetLife, and State Farm.
Recently, there courts ruled in favor of the insurance agencies after this long lawsuit filed against them by the victims of Hurricane Katrina. The story was that New Orleans became flooded. Most of the homes did not have a flood insurance plan but the flooding was caused by wind damage to the levees. The levees were built to withstand up to Category 3 hurricane winds. This was one of the biggest issues regarding Hurricane Katrina, the levees.
Hurricane Katrina was a Category 5 hurricane which in turn annihilated the levees. As a result, the levees broke and most of New Orleans was flooded. Many of the claims were denied which led to the lawsuits. But the Federal Courts had ruled in favor of the insurance agencies. At the moment, there are appeals that are being filed as a result of the judgment.
Several months ago, I had seen a local news report about insurance. Ever since Charlie Crist had taken office early this year, one of his biggest aims was to reduce homeowner’s insurance which is skyrocketing. He was also pushing for legislation to lower insurance rates and premiums set by the insurance agencies. In short, this was the platform that had gotten him elected as unique governor of Florida.
Many Republicans and Democrats alike have been impressed and satisfied by Crist keeping his word trying to lower the insurance rates. During his first few months in office, Crist had called meetings about the insurance crisis. At the same time, insurance rates were escalating along with property taxes because of the constant construction since 2004.
The insurance companies said that if you want reduced insurance, you should tumble wind insurance coverage. You could do that and lower your insurance rates. That will assign you a lot on your insurance premiums but there is one thing you must know. In a hurricane, most of the damage to your home will be a result of wind damage. Honest about most of the structural distress will be the result of wind damage.
I worked as a substitute teacher for two years and didn’t score many calls for the latter part of 2004. The reason I didn’t get that many calls were because most of the schools had suffered structural afflict. Most of the damage affected the second and third floors of the schools as the violent wind force can get very devastating at an upper level.
If you live in an space that is a possible hurricane target zone, you will need wind coverage on your insurance plan. Don’t engage that gamble by not getting wind coverage on your plan. Hopefully you will not get hit by a hurricane. But in case you do get hit by hurricane, keep your wind coverage on your plan. If you do not, you could possibly shoot yourself in the foot should a hurricane hit your area.
In my case if we didn’t catch wind coverage, we wouldn’t have a house standing afterwards.
If you live in an area that’s prone to flooding, procure flood coverage as fragment of your plan. There is the chance you can procure in a flood as a result of a hurricane. Mainly, you need to have wind coverage.
Flood insurance is maybe. But before you have a talk with your insurance company, talk to your lawyer first before filing a claim. The thing is making sure you’re well protected after a hurricane hits.
Wind insurance will be the most well-known coverage you will need if and when you live in an area that could get hit by a hurricane. Everything else such as fires and flooding in a hurricane is probably the result of wind damage. If an object flies into your window, that’s a result of wind damage.
Wind damage doesn’t necessarily mean by the force of wind. It can include things such as projectile debris. Debris isn’t going to lift off the ground by itself magically. It’s going to steal a good amount of wind power to recall those things from the ground and hit your house and/or vehicle. That’s a result of wind damage.
Make sure you have wind coverage on your insurance plan. Due to all the red tape and everything else associated with the insurance agencies, make sure you score a just consult as well. Consult with your lawyer before you file your claim.
The insurance agencies will stick to their guns. At the same time you need to stick to your guns as well. This is coming from a person whose uncle works as an insurance agent.
Filed under Farmers Insurance by on Feb 26th, 2011. Comment.
Illinois ranks number 6 on the list of states with the highest number of licensed drivers. Even with a top rated public transportation system and thousands of taxis on the roads, more than 10 million Illinois drivers take to the roads each day. Auto insurance companies understand the increased risk congested roadways pose, so auto insurance rates will be higher in certain states than they are in others. Currently, the average annual auto insurance premium in the set of Illinois is $1,200.
While the state of Illinois ranks below the national average for auto insurance, which is approximately $1,800, the state falls into the mid-range when it comes to minimum auto liability insurance coverage amounts. In the region of Illinois, it is against the law to drive without minimum coverages of $20,000 injury or death of one person in an accident, $40,000 injury or death of more than one person in an accident, and $15,000 damage to someone else’s property (20/40/15). 20/40/15 might be enough to cover a few drivers, but in most cases, the minimum coverages are not enough.
When determining rates, Illinois auto insurance companies will consider age, gender, employment, driving relate, marital status, make and model of vehicle, and even credit history. Auto insurance providers will recommend distinct coverages bases on your specific circumstances. According to Autoinsurancetips.com, most Illinois auto insurance providers will recommend uninsured/underinsured (UM/UIM) coverage in as much UM/UIM as you can afford. This will protect you against drivers that have no insurance or not enough insurance. This is usually the case with drivers that carry the minimum amounts of coverage required by law.
Once you obtain your auto insurance policy, Illinois driving law requires that all drivers carry proof of insurance at all time. There are no exceptions to this rule.
In addition, the state of Illinois has random insurance screening. This means, if you do not provide proof of insurance upon put a question to, your license plates will be suspended upon failure to provide proof.
Driving without auto insurance in the state of Illinois is against the law. If you fetch stopped for a traffic violation or for any other reason and you fail to produce proof of insurance, your registration will be suspended. In order to reinstate your registration, you will have to pay a delicate of no less than $500 and $100 to reinstate your registration.
Now that you have the basics of how Illinois auto insurance works, here are some tips on how to purchase auto insurance and ways to save.
When purchasing auto insurance in the state of Illinois, look for auto insurance providers with a solid reputation in the industry. Log onto your favorite search engine to begin you search. Choose 3-4 top auto insurance providers. You can do an online quote or simply call an agent. Sometimes it’s better to talk to a live agent – especially if you deem you’ll have lots of questions. After you have received several quotes, decide which policy offers the most coverage, not the lowest monthly payment. Ample amounts of coverage will save you a significant amount of money and aggravation in the long run.
If you want to save money, go for discounts instead of skimping on coverage. Illinois auto insurance providers offer safe driver discounts and discounts for added safety features. If the insurance company is also a health, life, and
Homeowner’s insurance provider, you may qualify for a discount if you carry your other policies with the same provider. And finally, if you have more than one vehicle in your household, you can save up to 15% if you add it to your policy.
For more information about Illinois Auto Insurance, Illinois driving statistics and more, please visit:
Illinois Secretary of State (DMV)
http://www.cyberdriveillinois.com/
Auto Insurance Tips
Illinois Auto Insurance
California Department of Insurance (Website)
http://www.insurance.illinois.gov/
United States Census Bureau
http://www.census.gov/
Filed under Farmers Insurance by on Feb 26th, 2011. Comment.
Reparations is the notion that one group owes another for the wrongs imposed on them in the past by the more dominate group. From the beginning of history, man has been showing dominance over another. Race and ethnicity are major factors as to why this happens. History shows that different races have oppressed others in the name of superiority. They have to have control of the other group and impose their beliefs, which they believe are the only legal ways of life. The Germans and Jews, Europeans and Asians, The Japanese and Chinese, to name a few, who history has eminent for ethical conflicts.
Michael Hausfeld is one of the attorney’s on behalf of the class-action suit for reparations brought on by several plaintiffs against the United States government and companies who profited by slavery. “You cannot opinion these crimes in an ordinary sense, these are extraordinary circumstances” said the attorney Mr. Hausfeld (Like It Is, 2002). Mr. Hausfeld was one of the panelists on the ABC television news program “Like It Is” with Gill Capable as host. This was to point out that these were crimes against hundreds of thousands if not millions of people, and not just an individual. He states that International law states that there is not a statue of limitations in such a case of extraordinary crimes, which this is. Mr. Hausfeld suggest that the case for reparations is a long and continuing battle that first step must be to obtain historical data in the case and that to fully lay out the entire case. That would hold at least a year or two in Mr. Hausfelds’ understanding. There are about fifty law firms involved with litigation in the case of reparations along with historians and activist being hired. The center of the research is Harvard Law School, according to Michael Hausfeld. A Professor Ogeltree is the head of the research team at Harvard.
“When you are dealing with the degradation, humiliation, lost wages, brutality, lack of liberty, then that becomes far more difficult to be able to find a person a hundred or so years after the fact who could be an identifiable heir to that victim. And so then you have to look at what is the sense of the law to with regard to what is dominate to that community who stand in a profitable legal residence to assert that honest on behalf of the surviving community.” After this statement Mr. Noble asked Mr. Hausfeld about the issue of insurance taken out on slaves. This brings me to the AETNA case. In March AETNA the nations second largest insurance company was the subject of an on line periodical titled “The Reparation Movement Pursues Slavery’s Blue Chip Beneficiaries:. In the article the company admitted that it insured southern farmers against the death of their slaves (Mother Jones, July/August 2000). When approached the company only statement was “we express our deepest regret over any participation at all in this deplorable practice”. This was only after the company was asked to save a multi-million dollar trust for minority education and businesses by Deidria Farmer-Paellmann a Fresh York Lawyer. Ms. Paellmann was looking up her family tree when a book on black genealogy Ms. Farmer-Paellmann was reading listed “AETNA as a source for finding your ancestors based on insurance policies.
Deidria Farmer-Paellmann is a law student who is also one of the critical plaintiffs in a case before the United States. She was the focal point in the Mother Jones Article as well on the Television program “Like It Is”, on the ABC network. Ms. Farmer-Paellmann spoke of the Malcolm X interview with Alex Haley in which Malcolm spoke of land being promised to African Americans for the compensation of slavery (Like It Is, 20002). Forty Acres and a Mule was the promise.
Forty acres and a mule is a promise that slaves and their descendants have tried to garner repayment from the U.S. government for lost wages, pain, suffering, and freedom ever since the end of the civil war. Despite the promise the effort was never made by the government to make these promise good to the victims this according to the Daily News chronicle by Geraldine Sealey (2002). Although this claim is over a century old opponents to this movement claim “an injury of this nature has no statute of limitations:. In the article a Mr. Olusegun states that the figure today would be great higher than 40 acres and a mule would cover(2002). Interest along with lost wages, hurt, suffering and inflation would bring the figure into the trillions according to Mr. Olusegun.
Farmer-Paellmann’s argument is not with the United States government, but it is with the companies that profited from the slave trade (Like It Is, 2002). Not only AETNA but there is other key companies that profited from the slave trade. Companies that benefited from slavery rage from tobacco, railroad, textiles and coal. This has re-energized the modern movement. The Reparation Movement dates back to the civil rights days and beyond. There are several companies that profited from slaves and it seems that recovering compensation from them would be more possible than to get compensation from the government.
The case against reparations is a long and continuing battle that some belief will never kill. Adolph L. Jr. Reed’s article “The Case Against Reparations”, states that reparations to Murky Americans for slavery and it’s legacy have been around for some time (2002, April 7). This notion came to the publics attention in 1969, when James Forman, the former chairman of the student non-violent coordination committee (SNCC), held a protest at New York’s Liberal Riverside Church and presented a “Shadowy Manifest”, that demanded among other things $500 million in reparations to Black Americans from White churches and Synagogues. Years later, in 1972 Jesse Jackson’s Operation PUSH and the National Economics Association. A black economists’ group attempted to reintroduce it around the presidential election in conjunction with a demand for a 900 million dollar freedom budget. For two decades nothing became of the demands for reparations for the slave era in the United States, the sentiment circulated mainly within politically marginal, nationalist circles. The movement did not gain much traction even among other prominent African American activist and politicians.
Sash Talcott reported in the Daily Northwestern article that four panelists-African American studies Professor Martha Biondi, Chicago Ald, Dorothy Tillman, journalist Salim Muwakkie and attorney Lewis Myers Jr. The group made their case before a predominantly black student audience in McCormick Auditorium, Ill. (2001, April 20). After decades of regarding the reparations movement as extremist, Americas Black middle class has offered support for the movement”, said the panel. They also plan to file a class action lawsuit using international human rights laws. This will be before federal court or the United Nations. These proponents have the view that the case is the same as Holocaust survivors who receive money as well as other groups who received reparations. During the last ten years or so, the issue has gained the attention of the masses. This id due in part to the successful pursuit of compensation for Japanese Americans, who were interned by the U.S. government during World War II.
“Most of us don’t have any hard feelings for the Japanese people”, said Edward Jackfert (2000). He was a prisoner of war and enslaved by Japan. His words were “they could apologize. They could give us compensation”. That seems to be the general sentiment of those wanting reparations for past injustices. Thirty six thousand Americans were enslaved and ten thousand died. Efforts at litigation and legislation have been muted at best. Dozens of lawsuits have been filed in the united States seeking compensation from Japanese firms. Many were filed in California, where the deadline for filing was pushed back to 2010, and most were consolidated as a federal case. But U.S. District Judge Vaughn Walker dismissed the consolidated case in September 2000. He sided with the Japanese governments situation that the 1951 peace treaty “once and for all” settled the issue of reparations.
Now reparations are not a movement for the atonement of the sins against Blacks. It has been the issue of the Holocaust and the Nazi slave labor by the Nazi’s in World War I. CNN had an article titled “Greek Nazi reparations sale halted” in which they stated that they have since been compensated (2001). A president for reparations has been set when fair this summer, a $6 million Holocaust slave labor settlement was approved, funded jointly by the German government and a consortium of German and U.S. corporations. The European governments and companies had been advised to settle quickly because the Holocaust was a novel event in history. They soon found that the door had been opened for other litigation such as the “Herero People’s Reparations Corporation”. The New York Times reporter Henri Cauvin wrote, that they have filed a suit against three German companies alleging that they were responsible for the “enslavement and genocidal destruction” of the Herero tribe in early 20th century, when Germany colonized Namibia (2001). I might add that the only way a accelerate of people can ever prevail over this situation is to have a strong political base: powerful government ties with this and or another country. For without the necessary power structure to back the movement of reparations a nation or race of people will fall on deaf ears. This is the underlining issue that is never been mentioned in any of the articles I’ve read.
The issue of Black America was propelled into the spotlight when Randal Robinson, the president of Trans Africa and author of “What America owes to Blacks (e.P. Dutton, 2000), played a central role in the U.S. movement against apartheid in South Africa. With affirmative action eroding expeditiously, the idea is that reparations could be a larger compensatory policy for the good of the whole hurry and not to a few select elite (TransAfrican Forum). Some feel like Robinson feels, that the elite in this country would rather give symbolic gestures to material ones. They would give college tuition and affordable housing or just a heartfelt apology. Psychological components of thought would be that the consciousness of the Black people would be lifted up and then racial pride would be restored. A sentiment often debated among supporters of the philosophize. Among some, the frail “damage thesis”, which was criticized by historian Daryl Michael Scott in his book “Contempt and pity: Social Policy and the Image of the Damaged Black psyche, 1880-1996 (university of North Carolina, 1997). According to this thesis, slavery and its aftermath left Black Americans without cultural mooring and therefore especially vulnerable to various social pathologies. This concept has been the foundation of academic and journalistic slander of Dusky poor and working class people. This nation has been embedded in the myths and untrue conception about Black Americans for to long. Danial Patrick Moynihan in his inflammatory 1965 report, “The Negro Family” a case for National Action”, and its underlining contemporary notions of a self-destructive Black Urban underclass is an example of the American view of Blacks in America (CNN, 2000).
CNN reported that the Greek Nazi reparation movement settlement has been staled by an appeal that Germany won, in the sale of Germany’s cultural center, the Goethe Institute. The sale was to recall state on September 19, Ioannis Stamoulis is a lawyer who represented the relatives of 214 executed civilians (2001). he won the case against Germany and is appealing the decision to the Greek Supreme Court. As we can witness there are many reparation movements underway around the world like the civil rights movement of the past, nations are using others to present the way for social change.
Africa calls for an apology for slavery in Durban South Africa. African leaders have called on the U.S. and Europe to apologize for their part in the colonial slave trade, but are divided on whether to express on reparations. A string of leaders told the world Conference Against Racism that western powers should say “sorry for 400 years of slavery according to a CNN describe (2001). Cuba’s President Fidel Castro said that the U.S. has an “unavoidable moral duty” to pay reparations to both American Indians and African countries. I’d like to mention that during the United Nation conferences the U.S. lobbied successfully to get the reparations issue off the floor for discussion, but many African leaders and African American organizations fought to get the screech back on the floor. This included a mention in the final conferences declaration. As you can see by this example, political power as well as economical power is key to gaining momentum.
The African Reparation Movement’s (ARM) aim is to use the law to gain reparations for slavery and colonization of African people (2002). They also aim to recover African artifacts from whichever place they are currently. They also what ” an apology from western governments. The objective of the movement is to restore the dignity of the African people in Africa and abroad. Self respect and the restoration of the African culture with its languages and civilizations accordingly portrayed in history. Reparations in it self has gained momentum due to the media and the spread of knowledge about past travesties in history.
The International News, reported from a historical perspective arguments for reparations for African Americans (unknown). The argument is the fact that 500 years ago or so Africans worked and died in this country. There labor was taken for free without compensation and generations of White descendants still benefit from the wealth accumulated over the years. African American business also suffered due to raids on Black owned businesses by Whites. An example of this is the Oklahoma community that was called “Dim wall street”. It was said that more wealth was in this community than in any other area Black or White. Not only were African Americans held from owning businesses, but also gaining employment due to discriminatory practices at the time in American History. Discrimination practices in public schools, purchasing of homes, and cars. The Accumulation of lost wages, income and the overall financial future of generations of African descendants are in demand.
The whine is, who would pay? This is a major issue in this debate over reparations. Who would get the money, is also an issue? What kind of suit is going to be filed? The lawsuit itself is a class action suit, said Roger Wareham (Like It Is, 2002).
Thirty five million descendents who for-bearers were enslaved Africans. It targets pacific companies and the benefits would include members of the class. A class action suit is plaintiffs that represent certain characteristics that apply to them but not only to them, but to those in the same situation that have the issue in common. The idea is not to have 35 small suits but bring them together. By trial, they want a jury trial, if it comes to that point. The case was compared to the Brown vs. The Board of Education in that it was a class action case to benefit all people and not impartial the Brown family. The pacifies of the case has four areas that said companies benefited from the conspiracy, said attorney Roger Wareham.
1. THE STOLEN LABOR OF SAID PEOPLE
2. CONVERSION
3. UNJUST ENRICHMENT
4. HUMAN RIGHTS VIOLATION
There are many reasons for reparations but there are also opponents of the movement, who believe that the suppose of reparations is not a good idea. One argument is that no single group is responsible for slavery (Horowitz, 2001). All over the world many nations had a share in the slave trade some would say. Others have similar arguments against reparations.
David Horowitz is a man dead place against reparations. He attempted to place an anti-reparations advertisement in college newspapers nationwide. This attempt of his, set off debate on the sing of free speech and racial sensitivity (Daily Northwestern, 2001). Mr Horowitz’s ten reasons why is a list of his ideas that seem one sided, and limited in his knowledge of history and American policy. His first claim is that there is no single group clearly responsible for the crime of slavery (Horowitz, 2001). This may be true but there are those businesses and groups that clearly benefited from the slave trade. When I mention a group that benefited I mean countries like America and the colonized Islands, who used African labor to build their countries. Companies to this day are growing in capital, due to slave labor. The second reason given is “There is no group that benefited exclusively from it’s fruits”. This is much the same as his first reason, adding that Blacks became wealthy through the use of slaves as well. My argument is how many kept that wealth and at what cost to themselves. Many helped to save themselves from slavery, and some kept slaves to save their occupy. The basic human instinct of self-preservation has a lot to do with those who helped, along with greed. This is not an excuse, some did attend, but the number is not great. Mr. Horowitz’s other eight reasons are:
1. Only a exiguous minority of White Americans ever owned slaves, and others gave their lives to free them.
2. America today is a multi-ethnic nation and most Americans have no connection (direct or indirect) to slavery.
3. The historical precedents used to justify the reparations claim do not apply, and the claim itself is based on accelerate not injury.
4. The reparations argument is based on the unfounded claim that all African American descendants of slaves suffer from the economic consequences of slavery and discrimination.
5. The reparations claim is one more attempt to turn African Americans into victims. It sends a damaging message to the African American community.
6. Reparations to African Americans have already been paid. This he said was in welfare benefits, civil rights acts, and racial preferences.
7. What about the debt Blacks owe to America. This he claims is for being free.
8. The reparations claim is a separatist idea that sets African Americans against the nation that gave them freedom.
This doesn’t sign the fact that African American labor build this country, and that much of what we have today is do to that free labor. David Horowitz is editor-in-chief of Front Page Magazine. com and president of the Center for the Notice of Popular Culture.
Who would pay? He doesn’t want to hear that the government would pay. because that would be taking money from taxpayers (Williams, 2001). Deidria Farmer-Paellmann has the idea that the companies that are eager should have funds available to Black owned businesses and the education of Black youths (Like It Is, 2002). The debate continues and views vary. The quest still remains, should African Americans receive reparations for slavery?
WHAT DO YOU THINK?
WORK CITED
Anonymous. (2001, September). Africa calls for slavery apology. CNN New York Bureau. Retrieved April 7, 2002 from http://cnn.www.com
Anonymous. (2001, September). Greek Nazi reparations sale halted. CNN New York Bureau. Retrieved April 7, 2002 from http://www.cnn.com
Anonymous. (2002). Reparations for African Americans…forging ahead with a new movement-a historical perspective. African History, Culture, International News. Retrieved April 30, 2002 from http://www.frontpagemag.com/horowitznotepad/2001/hno0-03-01.htm
A.R.M. 92002. About the African reparations movement. On line web site Retrieved April 30, 2002 from http://www.arm.arc.co-uk/about.html.com
Cauvin. H. 92001, September7). Africa: Namibia a century later tribe sues. New York Times. Retrieved April 15, 2002 from http://www.findarticles.com
Dutton, E.P. (2000). A case for Black reparations-transcript conference that was taped.
Horowitz, D. (2001). Ten reasons why reparations for Blacks is a bad idea for Blacks-and racist too. David Horowitz’s notepad. Retrieved April 30, 2002 from http://www.frontpagemag.com/horowitznotepad/2001/hn01-03-01.htm
Jackfert, E. (2000, June 28). Pow victims of Japanese slave labor testifies before senate judiciary committee. PR Newswire. Retrieved April 30, 2002
Jones, M. (2000, July August). The reparations movement pursues slavery’s blue-chip beneficiaries. Peculiar Profits. Retrieved April 30, 2002 from http://www.coh.Arizona.edu/ass/AFAS-website1profits.htm
Moynihan, D.P. (1965). The Negro Family: a case for national action. CNN New York Retrieved April 7, 2002 from http://www.cnn.com
Reed, A.l. Jr. (2000, December0. The case against reparations. The Progressive. Retrieved April 7, 2002 from http://www.cnn.com
Scott, D.M. (Eds). (1997). Contempt: social policy and the image of the damaged Sad psyche. University of North Carolina
Sealey, G. (2001, June 15). Atoning for slavery. ABC Daily news. Retrieved April 30, 2002 from http://abcnews.go.com
Steffen, S. (2001, June 19). First payments sent to holocaust slave laborers. CNN New York Bureau. Retrieved April 7, 2002 from http://www.cnn.com
Talcott, S. (2001, April 20). Panel of local activists makes case for slavery reparations. The Daily North Western. Retrieved April 20, 2002. from http://www.dailynorthwestern.com
Williams, W. (2001. Reparations for slavery arguments are loaded with contradictions. Capitalism magazine. Retrieved April 30, 2002 from http://www.capitalismmagazine.com/2001/february/ww-reparations-slavery-false.htm
Filed under Farmers Insurance by on Jan 23rd, 2011. Comment.



