There are times in one’s life when the use of rental cars cannot
be avoided. When someone plows into you at an intersection, when
you are taking a 2-day trip and your compact car just does not
have enough room to stretch out, these are times when you are
happy that there are rental cars at your disposal. Before you
rent that car, though, you should know some things about the
process.

1- The first step involved in obtaining a rental car is to do
research on the companies in your local area. There are a number
of nation wide companies and more than likely local companies to
choose from when conducting your research. Try to narrow them
down to three or four companies that are closest to either your
pick up location or your destination.

2- You will want to ask about procedures that may be required by
the rental company. Many companies require that the car be
fueled up before its return, if this is not done, they will
charge you extra for it. It may also be in your best interest to
ask what the fee would be if the car is needed for longer than
expected as well as what the rate is for late drop off.

3- If you have personal auto insurance, call your agent to see
if you are insured with a rental car as well. This will allow
you to save money by turning down the insurance offered by the
rental company at the time of vehicle pick up.

4- Finally, you have chosen the company and the car, its time to
pick it up. Make sure that you have the paper work that you will
need. Most companies will require you to show your drivers
license, be sure to have it. Also, your proof of auto insurance,
if you will be turning their insurance down. A major credit card
is necessary; if you are not using cash to rent your car, do not
count on them taking a check.

5- Be sure to read the contract and ask questions about anything
that you do not understand. It’s better to take sometime at the
counter or on the phone to pin down the details, than to think
you got it and have to deal with the company in the event of an
accident. Ask questions!

You know what its going to be like. Youll have a flight at
some ungodly hour of the morning from some airport thats
nowhere near where you live. Therell be screaming kids and
vomiting babies everywhere, your flight will be delayed and then
when you finally get to wherever youre going, your luggage will
be waiting for you thousands of miles away in some hellhole on
the other side of the world. And then youll discover that the
Paradise View hotel youve booked into doesnt view paradise at
all, but rather a stinking building site with equally stinking
fat workmen leering at you.

Why put yourself through it all?

Why not take the stress-free option this summer and have a
beautifully relaxing holiday to remember? No delayed flights, no
tantruming toddlers and definitely no sweaty foreign workmen.
Instead, put your suitcases in the boot, give your motor
insurance company a tinkle, squeeze your girlfriends into the
car (or if really necessary, your bloke), drive right past that
airport and keep driving.

Because youre not flying anywhere. Nope. Instead, youre taking
the relaxing route to holiday paradise- youre driving there.

Nowadays theres no need to spend hundreds of pounds flying away
to some luxurious destination. You can drive there yourself and
save a bundle in the process. Majorca, Corfu and Ayia Napa might
be out of the question, but there so many fantastic places you
can get to.

Just call your womens car insurance provider before you go to
make sure theyve covered you for driving abroad, then off you
go. Unless you really hate boats and want to go across to France
via the Channel Tunnel, ferries from Britain can take you to a
multitude of fantastic foreign holiday destinations.

Sailing from the South Coast you can go to a whole host of ports
in northern France in a matter of hours, with the beautiful
nearby beaches of Normandy and Brittany offering everything
sun-lovers could desire. If its not the beaches that youre
after, drive down into the Loire Valley or the Dordogne for a
leafy, luscious break among the vineyards and gently swirling
rivers, or head over to Paris, the romantic capital of the
world, for something a little more hedonistic.

If youre dead set on a holiday in Spain, then a slightly longer
trip from Portsmouth or Plymouth can get you to Santander and
Bilbao. On Spains northern coast, theyve also got a horde of
beautiful beaches nearby, and Frances southern sands arent too
far away either. A word of warning though, Spanish drivers are
notoriously bad and the chances of getting involved in a smash
are fairly high, so unless you want that womens car insurance
premium to rocket up, be sure to take lots of care.

Scandinavian drivers are nowhere near as bad as their Spanish
cousins, and a ferry from England or Scotlands east coast can
take you to the mind-numbing beauty of the fjords and mountains
in the lands of our Viking forefathers.

The landscape is, in a word, stunning, and the people are among
the most friendly and welcoming on Earth. For those looking for
a chilled-out week away, Norway, Sweden and Denmark are the
perfect locations to relax and inhale a bit of culture and
history. If thats not your sort of thing then head over to
Stockholm, Copenhagen or Oslo for a party to remember. If
theres one thing the Scandinavians know how to do, its have a
good time. Just remember to pack your paracetamol.

If you think you can take more, get back on the ferry in
Stockholm and take an overnight trip up to Finland. The trip is
world-famous as a non-stop party, and if you like your Absolut,
Carlsberg and Kopparbergs, its definitely the thing for you.

Ireland, Holland, Belgium, Germany and virtually any other
country on mainland Europe is accessible via a ferry or the
Channel Tunnel, and youll be surprised at how much more fun,
and cheaper, it can be than the packed beach resorts of the
Costa Blanca. Driving on the Continent doesnt take long to get
used to, and as long as you make sure youve got proper motor
insurance cover from a specialist car insurance for women
provider, youve got nothing to worry about.

So pack the suncream, grab some bikinis, cram in the girls and
head off for a holiday to remember. Youll love it.br
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Experience is very important when it comes to buying recreational vehicle insurance, and after comparing all coverages and premiums, the best idea is to ask the insurance company, broker or agent the following questions: Does your insurance company specialize in RV insurance? Does your company know and understand my needs as an RVer? How long has the company been providing RV insurance? How can you look after my claim? Do you provide 24-hour claims service anywhere in North America? What happens to my premiums if I have a claim?

Another idea to save money on your recreational vehicle insurance is to make fewer claims on your insurance, in order to keep your premiums down. There are several important travel tips you can use in order to save yourself from making more claims on your insurance than you need to, and the best tip is to bring along an emergency tool box on your RV adventures. This tool box should contain at least the basics, which are: adjustable wrench, screwdrivers, pliers, jumper cables, flashlight with extra batteries, road flares, and duct tape. Also, before any trip with your RV you should be sure to get a complete travel check-up for the vehicle, including inspection of all the belts and hoses, headlights, tires, and turning signals. Other good tips to remember are to make sure that your cooking vent hood is clean to help avoid fires, and to make sure that you leave a detailed plan of your trip along with phone numbers where you can be reached with a family member or friend.

There are several places in particular that offer recreational vehicle insurance, and making yourself knowledgeable about the rates, features, and reliability that is offered is the best way to make sure that you are not only getting the best possible deal, but that you are making the best decision for you and your own personal needs./pbr
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Advanced driving for young drivers There are many excellent
reasons to put your learning hat back on and seek out a local
instructor for advanced driving lessons. After passing our tests
many of us still feel as though there is something missing and
actually plucking up the courage to get behind the wheel and
pull out onto a major road can be a terrifying ordeal. It can
also be quite frightening to venture out in pouring rain or
blustering winds for new, young drivers.

It is a great idea to work yourself into driving gradually.
Perhaps you could get a friend or family member that has a few
years of driving under their belt to sit with you for the first
couple of road excursions. Make sure that you don’t plan any
long, gruelling cross country trips straight away. Also, stick
to minor roads and just get used to being among other traffic
and master being in full control of your vehicle.

Reasons for wanting to be an advanced driver Here are some other
great reasons to enrol on an advanced driving course:

Motor enthusiasts may want to master control over their vehicle
in order to gain a more pleasurable driving experience Parents
may want to improve their confidence behind the wheel to enhance
the safety of their families A young or first time driver may
want gain more driving experience and cut down car insurance
rates Advanced driving organisations Organisations such as The
Institute of Advanced Motorists and The Royal Society for the
Prevention of Accidents offer advanced driving training. Many
car insurance companies such as the RAC and the AA teach their
own advanced driving lessons. However, Pass Plus is the one
advanced training initiative devised by the DVLA with the help
of the motor insurance industry and UK driving instructors.

Advantages of being an advanced young driver Advanced driving
lessons are very beneficial to all drivers, but may be
especially useful for young drivers.

Experience – find out how to deal with many tricky situations
that you may encounter while on the road. These may include
learning how to drive in extreme weather conditions and
preparation for how to deal with road accidents. Confidence -
learn how to become a more self-assured driver. Advanced driving
can also help your friends and family feel more confident about
you being out on the road alone. Your passengers will also feel
more relaxed with you at the wheel. Skills – this is your chance
to add years to your driving experience in a matter of weeks
while being taught by the experts. Developing advanced car
control skills and becoming more intimate with the ins and out
of your car can be very rewarding. New, young drivers will find
this particularly helpful. Safety – new drivers are often
unaware of just how many dangers there are out on the road and
drivers are more likely to have an accident during the first two
years that they begin to drive due to lack of experience. This
is why young driver car insurance can be so costly. By being
more conscious of the road accident hazards new drivers may be
able to bring these deplorable accident rates down and make the
British roads safer. Money saving – although you will have to
pay the initial costs of your advanced driving course you could
end up saving more on your young driver car insurance than you
spend on tuition. By being more aware of road accident hazards
you may also save the extra costs that having a road accident
can bring such as vehicle repair, car hire, and a raise in your
car insurance rates. More experienced drivers are also usually
more adept at getting from location to location more quickly
which can save stacks of journey time. There is also more money
to be saved since an advanced driver should have better handling
of their vehicle, optimising the chance to be more economical
with fuel.

So, advanced driving will help you onto the roads with more
confidence and skill as a young driver. You will also feel more
experienced on the roads and thus decrease your chances of
causing a road accident. Passing an advanced driving course can
save you time and money such as lowering your young driver car
insurance rates. Hopefully, embarking on an advanced driving
course will mean that you feel more prepared to brave the open
road.

Advanced driving for young drivers There are many excellent
reasons to put your learning hat back on and seek out a local
instructor for advanced driving lessons. After passing our tests
many of us still feel as though there is something missing and
actually plucking up the courage to get behind the wheel and
pull out onto a major road can be a terrifying ordeal. It can
also be quite frightening to venture out in pouring rain or
blustering winds for new, young drivers.

It is a great idea to work yourself into driving gradually.
Perhaps you could get a friend or family member that has a few
years of driving under their belt to sit with you for the first
couple of road excursions. Make sure that you don’t plan any
long, gruelling cross country trips straight away. Also, stick
to minor roads and just get used to being among other traffic
and master being in full control of your vehicle.

Reasons for wanting to be an advanced driver Here are some other
great reasons to enrol on an advanced driving course:

Motor enthusiasts may want to master control over their vehicle
in order to gain a more pleasurable driving experience Parents
may want to improve their confidence behind the wheel to enhance
the safety of their families A young or first time driver may
want gain more driving experience and cut down car insurance
rates Advanced driving organisations Organisations such as The
Institute of Advanced Motorists and The Royal Society for the
Prevention of Accidents offer advanced driving training. Many
car insurance companies such as the RAC and the AA teach their
own advanced driving lessons. However, Pass Plus is the one
advanced training initiative devised by the DVLA with the help
of the motor insurance industry and UK driving instructors.

Advantages of being an advanced young driver Advanced driving
lessons are very beneficial to all drivers, but may be
especially useful for young drivers.

Experience – find out how to deal with many tricky situations
that you may encounter while on the road. These may include
learning how to drive in extreme weather conditions and
preparation for how to deal with road accidents. Confidence -
learn how to become a more self-assured driver. Advanced driving
can also help your friends and family feel more confident about
you being out on the road alone. Your passengers will also feel
more relaxed with you at the wheel. Skills – this is your chance
to add years to your driving experience in a matter of weeks
while being taught by the experts. Developing advanced car
control skills and becoming more intimate with the ins and out
of your car can be very rewarding. New, young drivers will find
this particularly helpful. Safety – new drivers are often
unaware of just how many dangers there are out on the road and
drivers are more likely to have an accident during the first two
years that they begin to drive due to lack of experience. This
is why young driver car insurance can be so costly. By being
more conscious of the road accident hazards new drivers may be
able to bring these deplorable accident rates down and make the
British roads safer. Money saving – although you will have to
pay the initial costs of your advanced driving course you could
end up saving more on your young driver car insurance than you
spend on tuition. By being more aware of road accident hazards
you may also save the extra costs that having a road accident
can bring such as vehicle repair, car hire, and a raise in your
car insurance rates. More experienced drivers are also usually
more adept at getting from location to location more quickly
which can save stacks of journey time. There is also more money
to be saved since an advanced driver should have better handling
of their vehicle, optimising the chance to be more economical
with fuel.

So, advanced driving will help you onto the roads with more
confidence and skill as a young driver. You will also feel more
experienced on the roads and thus decrease your chances of
causing a road accident. Passing an advanced driving course can
save you time and money such as lowering your young driver car
insurance rates. Hopefully, embarking on an advanced driving
course will mean that you feel more prepared to brave the open
road.

http://www.hootcarinsurance.co.uk

While on a trip, or even close to home, we all want to keep driving for as long as possible. Yet nobody, in their right mind, wants to be a threat to ourselves (or others) because we’re too sleepy to operate our motor vehicle. Self-awareness of our sleepiness is always the key to driving safely!
In a report dated just last year 2004, the National Safety Council wrote that traffic death rates are 3 times greater at night – - than during the day!
This report also stated, “Driving at night is more of a challenge than most people think and it’s much more dangerous”.
So, you may ask, “What is it that makes night driving so dangerous”?
The NATIONAL SAFETY COUNCIL’S answer to that one is as follows, “DEALING WITH THE DARKNESS IS AN IMPOSSIBLE TASK. 90% of a driver’s reaction depends upon vision and that is severely limited at night. Depth perception, color recognition plus peripheral vision are compromised after sundown” .
PLUS: Another huge factor, as stated by the NSC (which adds to even more danger when you’re night driving) is fatigue. Day or night drowsiness will always make one’s driving more difficult because it dulls concentration and it surely slows reaction time.
IN ORDER TO PROPERLY HANDLE THE ABOVE FACTORS
THE FOLLOWING IS RECOMMENDED
#1. You must observe night driving safety as soon as the sun goes down. Twilight is one of the most difficult times to drive because your eyes are constantly changing to the growing darkness.
#2. YES, it’s a “Time Consuming Headache” – - HOWEVER: You should prepare your car for night driving. Clean headlights, tail lights, signal lights and windows (inside and out) at least once a week and even more often if necessary. You must do this – - especially if you’re on a long trip!
#3. Your headlights must be properly aimed. Headlights can blind other drivers and they also reduce your ability to see the road.
#4. If you have any doubt at all you should turn your headlights on. Under normal circumstances lights will most likely not help you see in early twilight but they’ll always make it easier for other drivers to see you. Being seen as is important as seeing.
#5. Reduce your speed and increase your following distances. It’s much more difficult to judge other vehicle’s speeds and distances at night.
#6. When following another motor vehicle (be it a car, truck or whatever) you must keep your headlights on low beam so as not to blind the driver ahead of you.
#7. If an oncoming vehicle doesn’t click from high to low, you can avoid the glare by watching the right edge of the road and using it as a steering guide.
#8. Make frequent stops for light snacks and exercise. If you’re too tired to drive, stop and get some rest.
#9. If you have car trouble, pull off the road as far as possible. If you have what are identified as “Reflecting Triangles” you should warn approaching traffic by setting them up near your vehicle and about 300 feet behind it.
PLUS: Whether you have reflecting triangles or not you should: A: Turn on your flashers plus your dome light. B: Get your body off the roadway. C: Remove both yourself and your passengers away from the area.
In 2004 NHTSA (The U.S. National Highway Traffic Association Administration) estimates that approximately 100,000 police-reported crashes involved drowsiness and fatigue as a principal casual factor. In their report they stated, “About one million crashes per year were thought to be produced by Drowsy Drivers”.
In a poll NHTSA ran in 1999, 62% of all adults surveyed reported driving a car (or some other vehicle the previous year = in 1998) while feeling “Drowsy”, 27% said that they had, at some time, dozed off while driving. 23% of them reported they knew individuals who had experience a fall-asleep crash.
This report also said, “People tend to fall asleep more on high-speed, long, boring, rural highways”. And that “The New York Police estimated that 30% of all fatal crashes, along the New York Thruway, occurred because the driver fell asleep”.
DISCLAIMER: The only purpose of this article, “DRIVING OUR CAR WHILE FIGHTING TO STAY AWAKE” is to help people understand the motor vehicle accident insurance claim process. Neither Dan Baldyga, nor EZINE ARTICLES make any guarantee of any kind whatsoever; NOR do they purport in rendering any legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant, or the like. Where such professional help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services.
Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book reveals “How To” successfully handle your motor vehicle accident claim so you won’t be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the “Pain and Suffering” you endured – - because of your personal injury!
Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved.
Dan Baldyga is a retired Insurance Claim man. He was an Adjuster, Supervisor and Claims Manager for 30 years and then spent another 5 as a Trial Counsel. He has written 3 highly succcessful “How To” Auotmobile Accident Books. He can be reached at “dbpaw@comcast.net”.

Whether you are moving across the country or just across town,
it might be wise to consider a moving truck rental to get your
belongings from place to place. Renting a moving truck can prove
to be quit cost effective when compared to multiple trips back
and forth with a vehicle you already own.

1- Shop around and inquire about prices and specials as well as
other options that may be offered to you when you rent a moving
truck. Look for a company that has high standards for their
trucks as well as their towing equipment, this may be more
expensive, but worth it in the long run. Ask if the company
offers unlimited mileage, if not, find out how much extra miles
will cost you.

2- Today’s technology makes it easier than every to reserve a
moving truck. It is possible to do almost all of your research
and to make reservations either online or over the phone. While
this technology can make doing business easier, it is always a
wise decision to actually speak with the company that you want
to do business with face to face. This will help to avoid any
misunderstandings.

3- Before you agree to rent a truck, inspect it. The rental
company will have a standard form for you to fill out. While
doing the inspection, look for things such as dents, scratches
and rust. Be sure to check out the latches and locks on the
doors as well. By documenting the items wrong with the truck
before you rent it will mean that you won’t be charged for the
damage later.

4- While you are in the reservation and renting process, the
company will offer you optional insurance to cover the vehicle.
There will be a few options available to you when renting a
moving truck, these could include accident insurance, limited
loss and damage waivers and cargo insurance. It’s always a good
idea to speak with your auto insurance carrier to see if you
already have these overages. If you don’t, it could be a wise
idea to buy them from the rental company, especially if you are
traveling very long distances.

5- At the time of rental, you will need to show certain personal
documents. These will include a driver’s license, your personal
proof of insurance and a major credit card. These documents are
needed to prove that you are of legal age to rent the truck
(usually 25), that you have personal auto accident insurance
available, and that they can secure payment from you.

6- Depending upon the size of the moving truck rental, you need
and where you are traveling, you may need to stop at weigh
stations along the way. It’s best to ask the rental company if
they have any knowledge of the truck being big enough for this
requirement. Also, call the state police in all the states you
will be traveling through to get the specific requirements for
each state.

7- Lastly, before you drive off the rental lot with your moving
truck, you will need to get copies of all of the important
documents from the rental company. These could include the
rental agreement, a driver trip report, a truck inspection sheet
and any other paperwork that the rental company suggests. Check
to be sure that the proof of insurance and the registration are
also in the truck.

Some time ago I wrote an article for the absolutely sensational ARTICLE CITY regarding the handling of your personal injury claim regarding how one should proceed to collect for their LOST WAGES.
Since then I’ve been asked so many questions about that subject matter I’ve decided to go into even greater depth regarding this highly complicated subject matter. So, here we go:
GENERALLY SPEAKING: If you’re claiming five weeks of lost wages, and your Medical Record shows you were discharged in three, you’re in deep “stuff”! You’re chances of collecting for those additional two weeks is probably minus-zip.
No matter who says what you must make sure that the Final Medical Report, is handed to you – - only you – - nobody else !
Why ? So you’ll have a chance to read it before you hand it to Adjuster Henry Hard-Nose employed by Rock Solid Insurance Corporation.
In the event that the report doesn’t have everything in it that it should (which I’ve expressed in detail below) you have every right to return it to Medical Doctor or Chiropractor who wrote it and ask that it be rewritten in clear language, detailing and explaining the pain, discomfort and suffering they observed you experienced.
It if isn’t executed correctly Rock Solid Insurance and Hard-Nose will absolutely swoon with joy because the value of your claim will have done a nose dive into the nearest sewer. Why? Because your Final Medical Report has been executed in a sloppy manner and they know, in their secret heart’s, that even though you went through a tremendous period of “Pain and Suffering” if it’s not adequately spelled out your claim suddenly has much less value !
Assuming your Final Medical Report has been written accurately that’s money in the bank! But, far too often they’re dashed off in haste by a “Busy-Busy” Attending Physician or Chiropractor. Don’t let that happen to you because, if it does, that hot, slick tongue you feel on you’re lips, and sliding into your throat, is the result of the kiss of death that’s being given to you moments before your seduction.
SICK LEAVE OR VACATION TIME:
If you had to take sick leave, or vacation time, during the time you missed from work, it’s absolutely part of your claim. Never forget you would have been entitled to use that sick leave and/or vacation time, – - later on down the road – - when you needed or wanted it.
NEVER FORGET: If you’re forced to take either (because of a motor vehicle accident) it’s the same as losing the pay itself. Don’t let Hard-Nose attempt to pull his usual “Con Job” and tell you any differently!
LOSS OF PAY VS. TRIPS TO YOUR ATTENDING PHYSICIAN:
If your Lost Wage Document, which was executed by the company you work for, states that you didn’t work during the same period you were being treated by your attending physician, that’s all the proof you need to be compensated for your “lost earnings”.
HOWEVER: If your doctor didn’t treat you any longer after a certain date (even though stated and detailed in your Lost Wage Document) than your chances of recovery for your lost wages, after that particular date, are minus zip!
BACK TO WORK BUT STILL TREATING:
If you’ve returned to work, but you’re still being treated by your attending physician, that Lost Wage Document should clearly state the date and hours you missed when you had to leave work and make that day trip to see your doctor and/or receive treatment.
BACK TO WORK HOWEVER NOT BACK AT YOUR USUAL, NORMAL, ROUTINE ASSIGNMENT:
During my almost 40 years in the business of insurance claims I often ran into a situation where the claimant insisted they were unable to return to their old job and this caused them to have a lesser income. However, there were many times when the only proof of this was their verbal contention and that was unacceptable .
That’s why it’s so important (should this apply to you and your work/income situation) that this is clearly spelled out , by the company where you’re employed, in their Lost Wage Report. An official notation on the bottom of the document, stating this to be true, can save you a lot of grief, and a earn you a ton of money!
LOSS OF OVERTIME PAY:
The overtime you lost is a legit claim. Get a letter from your employer spelling out the amount of money you lost in overtime. They can do this by taking a look at last years income, during the same period you were laid up, then figuring out the overtime income you lost, for that identical space in time. Once this has been determined THIS TOO should written into your Lost Wage Report.
ONE LAST WARNING
The inside claims people at Rock Solid Insurance Corporation and adjusters like Henry Hard-Nose are buried alive with hundreds (sometimes thousands!) of claimants who are going through a great deal of “Pain and Suffering”, and they just don’t have the time to properly consider the seriousness of what you’ve had to deal with, no matter how legitimate it may be.
You ask, “How can Dan be so sure about that” ? The answer is very simple, “Because I’ve been there and done that”.
HOWEVER: If you follow what I’ve laid out above, you’ll stay ahead of them, win the ball game and be awarded all the lost wage damage’s that are owed to you – - PLUS increase that additional payment for your “Pain and Suffering” !
DISCLAIMER: The only purpose of this article MORE ON LOST WAGES is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLE CITY make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBILITY to obtain said services.
All of the information necessary for you to deal with and handle the above issues are spelled out within the contents of Dan Baldyga’s latest book Auto Accident Personal Injury Insurance Claim (How To Evaluate and Settle Your Loss) be found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will tell you exactly how many dollars the “Pain and Suffering” you endured because of your accident – - are worth!
Copyright 2004 by Daniel G. Baldyga All Rights Reserved