Dealing with Hail Damage

Hail can strike unexpectedly and with relentless force. It can catch even the most prepared of people off-guard and leave a whirlwind of damage in its wake. Now you’re wondering what to do about the enormous dents blanketing the sleek hood of your car and how to file an insurance claim. Fortunately, you’re not alone. Here are the most common steps you can take to getting your car back on the road without those eyesores.

Image by Hans Braxmeier from Pixabay

Finding a Repair Company

Asking friends, family or other associates can be the best way to find a reliable repair company for getting the damage fixed. You can also google good repair companies near you, such as “hail storm vehicle repair denver co” to find your best options.

Contacting Your Insurance Agency

It’s essential to get ahold of your insurance company shortly after your car receives hail damage. Waiting longer to tell them that the damage has occurred will not play out in your favor, as they may question why you didn’t report it immediately.

When you call, find out what insurance coverage you have for your vehicle if you don’t already know.  While comprehensive coverage will include hail damage in its overall package, liability coverage will not. It’s important to understand what you have to know how to proceed.

Meeting with an Insurance Adjuster

An insurance adjuster will likely be sent by the insurance company to assess the damage made to your car. He or she will determine how much that damage is monetarily worth. When you make the appointment with the adjuster, be sure you can be there to answer any questions they have. This can clear up any confusion about the incident that caused the damage and increase your chances of getting more for repairs.

No matter what you think the damage to your car is worth, always consult with your agency and an adjuster. The hail was bad enough; you don’t want any more unexpected surprises.

Spring Cleaning Your Budget

It is time for spring cleaning, and those backsplash tiles aren’t the only things that are messy. Chances are your budget could use a little cleaning too. Focusing on just a few areas can yield hundreds in savings each month.

Get Insurance Quotes

Your mortgage may be fixed for 30 years, but your homeowner’s insurance is a different story. Car insurance rates also change drastically over time as drivers age, liens shrink and tickets drop off your record. Spend an afternoon reviewing your coverage and average costs in your area. You may want to email or call your current agent, but also do a search like insurance quotes lodi ca in case a move to a new company is in order.

Consider New TV Strategies

Cable and satellite television rates keep going up but watching television can become cheaper than ever. Options like Apple TV require a pricey initial outlay for equipment but allow subscriptions that add up to just a fraction of your current monthly bill. No matter which devices or services you choose, most alternatives will produce an overall savings in just a few months.

Look At Different Phone Plans

Mobile phone carriers raise rates regularly, but people often stay with the same carrier year after year just to avoid the hassles of switching. If you live in a place where coverage varies little from one provider to another, switching may be worth the hassle. Prefer to stay with your current carrier? Okay, but remember companies offer new plans all the time. Review your actual usage and see if one of the more recent packages will serve your needs while saving you money.

Eat At Home More

Add up what you spend each month on restaurant food, including nice dinners out and grabbing a quick lunch on the go. You will be shocked. It is much cheaper and healthier to make food yourself. This one is better for your wallet and your waistline—how can you go wrong?

Why You Should Respect the Space of Wild Animals

Wild animals are inherent elements within nature. Truth be told, humans are as much animals as elephants, apes, and zebras, but more civilized and intelligent in some ways. With that said, all animals should be respected. But some humans get caught up in being at the top of the food chain, making them cocky and uncaring of wild animal matters. Unfortunately, this kind of disconnected, backwards thinking leads to species extinctions and habitat losses. So, to save the world with all of the animals in it, here are several reasons why you should respect the space of wild animals.

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They Were There First

Most animal lineages go back for eons, with evolution leading the way in their development. The same can be said of humans, of course, but the wild animals that remained wild animals were here long before modern humans. So, if you want to base your respect on superiority of a position or premises, animals were there first. You should respect them because this was their home before it was yours. It’s highly unlikely that a wild pack of lemurs would ever wander into your home and set up shop. So, why should you do that to them by building a home in their natural habitat?

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Wild Animals are Stronger, Faster, and More Instinctive

While humans have evolved in what is considered civilization, thousands of species of wild animals have become stronger, faster, and more instinctive. They follow their natures, letting their true selves lead the way in their decisions and thought processes. Wild animals should be respected because they are nature incarnate. They embody everything that humans aren’t, in all of their civilized wisdom.

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You Could Be Destroying an Entire Ecosystem

When you disrespect animals with littering or slaughtering them or their habitats, you could be destroying an entire ecosystem. It’s the equivalent of pouring molten lead into an ant hill just to see the cool effects. You are, in reality, destroying a smooth-run, well-oiled ecosystem in the name of your own entertainment and fun. It’s wrong. Live and let live. It’s gotten to the point where animal protection officials and preserves have to take out animal life insurance to ensure the continuation of a species after an endangered animal dies.

Image courtesy of assoonas at FreeDigitalPhotos.net

Despite views to the contrary, humans are not the kings of the world. They are merely inhabitants—the same as any other animal. Respect of wild animals should be a given. And an appreciation for nature should be a passed down trait. Teach your kids that wild animals deserve to live and thrive as much as you do, because compassion will go a long way towards a good life.