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Damage or Physical Loss Coverage in an Auto Policy

General Article /

Every auto policy comes with physical loss coverage provision that is also one of the first party coverage included in a policy. Basically, this provision is divided into two categories – damage or loss due to collision and damage or loss due to non-collision.

As some of us are aware and familiar with the term collision coverage, also called comprehensive coverage – although this term is no longer in use – any damage caused to the covered auto due to direct impact with another vehicle or property is covered by the insurance company. The limit to these coverages are set largely by the exclusions in the insuring agreement. According to the agreement, the insurer will pay for direct loss of the covered auto as well as any auto that is non-owned but included in the coverage. For all loss that is due to reasons other than collision, the payment is made only if the declaration shows that coverage applies to non-collision loss as well.

The insuring agreement in a regular auto insurance Chicago IL has details about what is covered and what is not covered that are defined under non-collision category. In most policies, following are the covered perils.

  • Fire
  • Windstorm
  • Theft
  • Water, flood, hailstorm
  • Riot or vandalism
  • Glass breakage

The way in which these perils are drafted in a typical auto policy makes it unclear whether perils other than the above are covered. The fact is, the list of items that are mentioned in the policy falls under nonexclusive coverage. The rest of the perils are covered as well unless they are specifically mentioned in exclusions. The policy may extend this coverage to non-owned vehicles as well. Non-owned vehicle constitutes of any vehicle driven by the insured that is not owned but used as a substitute vehicle in times of breakdown, servicing, repair, loss or destruction of the owned and covered vehicle.

Certain auto policies offer additional coverage during damage or physical loss of covered auto. This provision may vary from one insurance company policy to another. One of those coverage is transportation expense. For instance, a typical ISO auto policy provides for up to $15 per day with maximum limit as temporary transportation expense. This coverage only applies if the underlying loss or damage is covered. The limit to this coverage depends on the policy; higher limits are available with higher premium. Again, there are variations in how the expense is paid or when and how much is covered. For example, if the loss is due to theft, expense is covered starting from the first 48 hours after the theft and ending when the insurer pays for the loss or the auto is recovered. For the rest of the cases, the coverage starts after 24 hours. There can also be limitations based on the reasonable amount of time it would take to repair or replace the vehicle. All of these depends on the specific auto policy.

The Importance of Fertilizer in Your Organic Farm

General Article /

To meet the need of growing populations and increased food production the use of GMOs (genetically modified organisms) and chemical pesticides are becoming more prevalent in the large industrial farms. Meanwhile, many consumers, concerned with the increased use of GMOs and pesticides are forming a counter-protest and there are many consumers who want good, clean, and unmodified fruits and vegetables and are looking to farmers to meet that need. Fortunately, the increased demand of organic produce has made it easier and more cost-effective for farmers to switch farming methods and change their farms from the conventional to the organic.

This is a great shift for the environment as organic farming has proven to be more environmentally sustainable and ecologically sound, and with the increase in biodiversity amongst organic farms using companion planting and the popularity of heirloom plants, agricultural lands are becoming more stable, less likely to erode, and with greater soil stability.

While organic farming provides many benefits for the soil adding additional nutrients is still required, and while most organic farmers are also taking advantage of composting, for strong plants, a productive and healthy soil needs more nutrients than compost alone can provide, making fertilizer use a necessary component of farming to maintain the soil’s nutrient content, stability, and to avoid soil fatigue. Finding a good organic fertilizer for farming is important to the health, crop yields, and the continued, stable, production of an organic farm.

The reason an organic fertilizer is necessary is that it keeps a farm’s soil healthy and a healthy soil means healthy plants. Organic fertilizers add a rich mixture of organic matter to the soil which increases the vitamin and mineral content and creating a more nutrient-rich medium with which to grow strong and healthy plants that are more resistant to environmental stresses, disease, and insect damage. A good fertilizer will help prevent soil fatigue and encourage beneficial insects to a farm.

Ideally, a good organic fertilizer will have a strong balance of the necessary macro minerals (N-P-K) and will also include trace minerals to enhance the soil. Finding an organic fertilizer with a time-release formula is also important, as with a controlled release of nutrients, young plants won’t be overwhelmed, and older plants won’t be burnt, particularly on hot sunny days. A good organic fertilizer will also not be manure based but instead will contain rich organic proteins and materials that will enrich the soil thoroughly, without increasing the risk of foodborne illness.

The key to a successful and profitable organic farm is finding a good organic fertilizer. The right organic fertilizer will make all the difference in the strength the plants. By properly applying fertilizer, an organic farm will see increased plant yields and increased profits and by keeping a farm’s soil rich and nutrient dense, regular organic fertilizer applications ensures the long-term sustainability of an organic farm and will increase the biodiversity within farms without increasing the use of GMO’s.…