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How much car insurance coverage is necessary?

By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.

  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
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Does insurance coverage apply when driving someone else’s car?

If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.

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Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.

What are factors that influence car insurance prices?

Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay – premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.

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Penn State hazing case: Excruciatingly difficult for Piazzas to hear details in court, attorney says – ABC News #penn #state, #fraternity, #death, #pledge, #timothy #piazza, #beta #theta #pi, #joseph #ems, #us #news, #national #news, #local #news




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Penn State hazing case: ‘Excruciatingly difficult’ for victim’s family to hear details in court

WATCH Ex-Penn State frat member’s texts revealed in court

It is “excruciatingly difficult” for the family of Penn State pledge Timothy Piazza, who died after a fall at a fraternity house earlier this year, to sit in court, listening to the alleged details of fraternity members’ actions after their son was hurt, said the Piazza family attorney.

“In Jim Piazza’s words, ‘There wasn’t a moment today that I couldn’t stop thinking about my son Tim,'” Tom Kline, attorney for the Piazza family, told ABC News on Monday. “It is excruciatingly difficult for the Piazzas to sit and listen to the callous and reckless misconduct of individuals who cost them their son and cost their son his life.

But they are determined steadfastly and resolutely to go through with this process so that justice is done.”

Piazza, a 19-year-old sophomore and pledge at Beta Theta Pi, died on Feb. 4 after he fell down the stairs during a night of drinking for a pledge ceremony at the house on the night of Feb. 2. In text messages, fraternity members refer to the pledge ceremony drinking as an “obstacle course.” Fraternity members did not call 911 until the morning of Feb. 3, about 12 hours after Piazza’s fall, according to a report on the grand jury’s investigation. Piazza’s death “was the direct result of traumatic brain injuries,” according to the forensic pathologist.

Tim Piazza, a 19-year-old Penn State sophomore and pledge at Beta Theta Pi, died on Feb. 4, 2017 after he fell down the stairs during a pledge ceremony at the house on the night of Feb. 2.

Prosecutors claim the former fraternity brothers at Beta Theta Pi waited to get Piazza help in an attempt to cover up their drinking and “coordinate a story.”

Eighteen Penn State students are facing charges: eight for involuntary manslaughter, aggravated assault, reckless endangerment, and hazing, among other charges; four for reckless endangerment and hazing, among other charges; and six for evidence tampering. The Beta Theta Pi fraternity — which has since been barred from Penn State — is facing charges including involuntary manslaughter and hazing. No defendants have entered pleas at this time.

At a preliminary hearing, which began in June and continued Monday and today, prosecutors revealed texts and internet searches allegedly sent and made by some at the fraternity house. After the hearing, a judge will decide if there is enough evidence to go to trial.

One brother allegedly texted his girlfriend “drink hazing can send me to jail,” and “I don’t want to go to jail for this.”

“I think we are f—–,” the ex-fraternity brother allegedly said.

Beta Theta Pi fraternity house at Penn State.

Someone allegedly texted, “When they see the video footage of the obstacle course we will be done.”

One then-fraternity member allegedly asked, “What times did they take tape of?” and another member replied, “Nah, they took tapes from 7 to 9:30am.”

“F— yes,” the first fraternity brother responded. “We should be good,” the second fraternity brother said.

After Piazza’s injury, one of the fraternity members allegedly texted another, “Make sure the pledges clean the basement and get rid of any evidence of alcohol.”

Another text said, “Make sure the pledges keep quiet about last night and this situation.”

Prosecutors also said one of the young men did an internet search for: “How would 9 drinks in an hour affect a 200 pound guy.”

Frank Fina, an attorney for the former fraternity president, on Monday questioned a detective who said it is unclear how much alcohol Piazza had during the “obstacle course” hazing ritual as opposed to the separate party in the basement.

Fina asked if it’s fair to say the pledges could have left at any time, and the detective said yes.

Fina asked the detective if anyone physically threatened any pledges to drink, or if anyone threatened to harm pledges, and the detective said not that he was aware of.

Kline, however, told ABC News, “The concept that this was quote ‘voluntary drinking’ conjures up a social event where people all gather together and have a cup of wine — this was forced alcohol poisoning.”

“This was an individual among other individuals who were told you cannot get into this organization unless you do certain things, and here’s what you must do,” Kline said. “So there is under the law of Pennsylvania, as in most states, a forcible compulsion. A forcible act against another human being.”

Fina also said in court Monday that two Penn State-hired “social checkers,” provided by private security company St. Moritz Security for the Infrafraternity Council, attended the fraternity party that night. Prosecutors have suggested that fraternity members somewhat cleaned up before the social checkers’ arrival. The detective testified there was no evidence showing that anything was cleaned up, citing alcohol boxes in the lobby when the security guards walked in.

Old Main on the Penn State main campus in State College, Pa. Oct. 28, 2015.

The detective said the social checkers went to the party nine minutes before Piazza’s fall, and were inside the house for two to three minutes. The detective said it’s probable that Piazza and the social checkers were in the basement at the same time, when Piazza was visibly very drunk. Video reportedly shows the social checkers leaving the party shortly before the fall.

The detective on the stand admitted that the social checkers were not interviewed and the detective said he does not know if the social checkers filed any complaint. St. Moritz Security declined to comment.

Rocco Cipparone, an attorney for one of the former fraternity members charged, told ABC News Monday that the security guards are trained and “know what they are looking for. And if they don’t see a problem,” a college student, like his client, should not be expected to see a problem.

“It’s a horrible tragedy. My client’s empathies go out to the Piazza family, so do mine. But it was not a crime, at least as to” his client, Cipparone said. “These are young men. probably none of them had the intention, of course, to harm Timothy Piazza, and they’re trying to figure it out. Hindsight is 20/20. We’re looking at a video with the hindsight of knowing, sadly, Mr. Piazza died. But the defendants were not knowing that when they’re observing the situation. These are normal 19, 20, 21-year-old guys who are just experiencing something live — not in the hindsight we are looking at it in this courtroom.”

Ted Simon, an attorney for another former fraternity member charged, on Monday called Piazza’s death an “awful, awful tragedy,” adding, “but not every tragedy. should result in a criminal prosecution.”

Simon said, with his client, “the charges are really unfounded, unwarranted and unjustified. I fully expect in the end that will be clearly demonstrated.”

But Kline said, “There are individuals who actually plotted this alcohol poisoning. There are individuals who failed to assist Tim Piazza, there are people who looked the other way and there are people that covered it up. While there is crossover among some of them who planned, executed, and covered up the events that led to Tim Piazza’s death – each and every one of them individually bears some responsibility.”

Tim Piazza, a 19-year-old Penn State sophomore and pledge at Beta Theta Pi, died on Feb. 4, 2017 after he fell down the stairs during a pledge ceremony at the house on the night of Feb. 2.

Penn State has announced proposals for new safety reforms, including: having university staff members monitor social events; the university taking control of the fraternity and sorority misconduct and adjudication process; and permanent revocation of university recognition for any chapter involved in “hazing that involves alcohol, physical abuse, or any behavior that puts a student’s mental or physical health at risk.”

Penn State President Eric Barron said, “There are other measures being discussed and will be instituted over time — all with a focus on prevention, monitoring and enforcement. These measures augment a series of actions taken earlier this year, which are being made permanent.”

Barron added, “I am resolved to turn the pain and anguish radiating through our entire community into decisive action and reform, concentrating on the safety and well-being of students at Penn State.”

Penn State’s Interfraternity Council said, “We agree that added social restrictions, education, transparency and professional staff support are critical. We have tried to remain committed to being an active part of the solution within our community. We stand firm on our belief that when students are involved in collaborating with the university in monitoring and accountability, a greater impact is made. For that reason, we will continue to push for a partnership between student leaders and the university.”

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Payment will be charged to iTunes Account at confirmation of purchase.
Your account will be charged for renewal within 24-hours prior to the end of the current 1, 3, 6, or 12 month periods. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.

Subscription (Auto-renewal) may be turned off by going to the user’s iTunes Account Settings after purchase. No cancellation of the current subscription is allowed during the active subscription period.

What’s New in Version 3.03

Push notification causing crashes

Site is ok, have to be careful though there are an awful lot of catfish

Maybe 7 out of 10 guys are nice and will keep up a conversation with you. Most after a couple days delegate there accounts or just stop talking with you all together and to me that is at the top of the list as the most disrespectful thing that another human being can do to another. If you loose interest have the decency to say so, and if they don’t do that they in about the same amount of time something comes up and they need money. The easiest way to spot these guys is most always there in the military, stationed overseas, getting out soon to retire, etc Eric. ( call um out on it they will either coward and disappear or do what ever it takes to connivence you other wise. Some if not all will go as far as to delegate that name. create another then contact you again with the same story.

Good, but needs improvement!

It IS a good app. However unlike other apps, it not only does not allow for you to see who liked YOU but you also cannot place specific filters, which I believe are much more efficient, especially if you are interested in very specific kinds of people; it is because that feature is included in the Premium version of the app. But if they are going to do that, they should at least give you a free trial, that way you can test out the app. For me personally, this is very annoying. But overall, with an improved user interface (filters, etc), it can be a great app!

Site is better than most/App is improved

With the exception of seeing who liked you (extra charge), this site is actually free. Meaning you can have message conversations with no restrictions, which is rare. And means you can actually date people on the site. With the new app upgrade, pics are larger and clear (previously fuzzy). A few scammers, but not many. Giving 4 stars instead of 5 simply because there don’t seem to be new members very often. That said, I’ve met a couple of people and there’s no reason not to try it.

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Plumbing Service in Woodstock

Drain Doctor offers 24 Hour emergency plumbing repair service in Woodstock, GA 30188, 30189, Cherokee County and all surrounding areas in Atlanta area. Homeowners have a lot on their plates. Day jobs, raising a family and running a household can all take its toll. Most people have a mile long to do list, and plumbing maintenance isn’t always at the top of it. It’s understandable that other pressing matters often take priority, but it’s important to keep in mind the consequences of neglecting your plumbing system. Punctured pipes, flooded floors and water damage isn’t the kind of results most homeowners want to deal with. It’s much easier, and better for your budget, if you schedule regular inspections and maintenance appointments with a local licensed plumber who will put your needs first. If you need a trusted certified plumber to help fix your plumbing problems, call Drain Doctor. We proudly provide plumbing service in Woodstock, Cherokee County and the surrounding Metro Atlanta community. When you need quality plumbing in Woodstock, GA, you can trust that the professionals at Drain Doctor are always here to help. Whether you need plumbing replacement, installation, inspections or plumbing repair in Woodstock, you’ll have an insured plumber close at hand ready to get your pipes back in working order. Call today to schedule an appointment with one of our experienced Woodstock plumbers. Call us now at 770-336-3884 to schedule plumbing repair in Woodstock area.

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One Degree Marketing

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Darold A. said “We were in from out of town for a wedding in St Paul when we had a last minute idea to print a huge novelty check to present to the bride and groom as a joke during one of the speeches. All we had was an…” read more

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From the business


We are a full service Marketing firm. We design and deliver Integrated Marketing solutions such as Social Media Marketing, Campaign Management, Web Site Development, Content Creation, SEO and Video Production services. We specialize in maximizing marketing ROI through thought leadership, in-depth data mining, intelligent analysis, and well thought out strategies. We start by gaining a deep understanding of your market and apply the most effective Marketing practices to help accelerate the growth of your company. We are experts in lead generation and building marketing infrastructure that engages your audience and converts into profitable new business!

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PHONE: 732-636-0299 FAX: 732-636-0399

The office is manned 5 days a week, Monday through Friday, holidays excluded (if the main State PBA Office is open we will be there). Normal hours will be 9am to noon, however, please call ahead to be certain someone will be manning the office. Clothing and accessories will be available. Family cards are only available on Tuesdays.


Our newly expanded dental plans are in effect. These benefits are only available to current paid members of Local 600. Click on the Benefits tab and log in with the password in to view details.

For a list of the 2017 scholarship recipients click HERE

Joint Statement on Governor’s Veto of S3040 click HERE to be directed to the main PBA website.


Since our inception in the fall of 2001 we have grown to nearly 5,000 members spanning across the globe with representatives in New Zealand, Ireland and Germany. Pages with an asterisk ( * ) are PASSWORD PROTECTED. This PASSWORD changes every year and is sent by mail with your Dues and Travel card upon renewal of membership. Once you are a member you can enter the password protected pages. Dues are $50/year and include a subscription to NEW JERSEY COPS delivered to your mailing address. The Application, for both NEW INITIAL Membership and RENEWAL Membership, can be downloaded from the APPLICATION page above.

Once you are a member you can elect to join our email list my clicking on the RED icon from the DOWNLOADS page. You will receive a Confirm Subscription email. You MUST click on the link in the confirmation email to be added to the list. If you are not receiving emails, at least monthly, you can subscribe again.

Notify the Local 600 office via email to Tom Milmoe (Membership) or a mailed signed letter. Include your full name, DOB, and current and past addresses.


What are the Medicare Advantage (MA) group plans that will be offered to Medicare-eligible SHBP retirees? Click HERE for more information.


Beginning January 2016 an ID card will be issued. Open enrollment is year round, however, it is not pro-rated, and coverage is for the calendar year. The 2017 PBA Legal Protection Plan Application can be printed from our Downloads page along with a copy of the most recent revision of LEOSA/H.R.218, as Amended by the National Defense Authorization Act of 2013 (Jan 2, 2013).

We are formulating a veteran database for the local. If you are a veteran and wish to be included contact President Tom Lombardi or Delegate Jim Toma with your branch of service and the dates you served.

We are posting a direct link to the State PBA website for updates to changing legislation affecting both current and retired members click HERE