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Things To Consider When Getting Motor Vehicle Insurance

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car insurance

Owning and driving a vehicle is an exciting milestone. It brings about a level of independence that you might not have enjoyed before when you had to rely on others or public transport to get around. With car ownership comes the complex process of getting the right motor vehicle insurance. Several factors have to be taken into consideration when deciding which one works best for you.

 

Here’s a list of things to consider when getting motor vehicle insurance:

  1. Paperwork

 

Before you look into the kind of insurance to get, make sure that you have the correct paperwork required for the process. This usually includes a valid license and registration. Remember, the one who is registered is the one who has to apply for the insurance and drive the car majority of the time. You can’t have another party apply for insurance for you .

 

  1. Research

Once you have your documentation in order, dedicate some time researching different insurance providers. Familiarize with  Nova Scotia insurance laws and the standard insurance policy form. Knowing your local laws and how insurance works allow you to understand what you’re signing up for and what you’re entitled to in case an accident occurs.

The insurance dynamics you need to look into include the type of insurance and what exactly it covers. For instance, during your research, you’ll encounter a third party, third party fire and theft, and fully comprehensive car insurance options.

Third-party insurance is the minimum insurance required by the law, covering damages in an accident caused by another person. Third-party fire and theft insurance packages cover the basic legal requirements of insurance as well as damages caused by fire or theft. The fully comprehensive policy covers different types of damages, events, and scenarios. Different insurance companies cover different scenarios and factors for their fully comprehensive policies. You can get more information by requesting for a quote from the insurance company.

Once you research the various insurance dynamics that are provided by various providers, you’ll be able to figure out which one offers a policy that best suits your needs.

 

  1. Calculate Mileage

Every insurance policy application includes information about your mileage. This information is required because the further or more frequently you drive, the higher the risks of you getting involved in an accident, making your premiums more expensive. Make sure to be accurate about the information you provide about your mileage. In case you’re involved in an accident and the mileage recorded doesn’t match with the mileage assessed at the time of the accident, you might not get paid out.

Mileage costs are factored in differently depending on the insurance provider you choose. This can be calculated through quotes and consultations.

 

  1. Online Reviews

Independent online reviews about specific insurance motor vehicle providers can indicate whether they’re reliable or not. You must however use your discretion when analyzing online reviews as not all are authentic. The more positive the reviews, the more likely you’ll have a positive experience when you choose that specific provider.

 

  1. Consultation

Now that you’ve already come up with a list of your top options, it’s highly recommended to have a consultation session with these potential insurance providers. You can discuss and ask about certain details during this time, such as what the insurance company doesn’t cover. You can also get information about what they explicitly cover to avoid any assumptions or confusion. Give them a call, visit their office, or use the various contact channels provided by the insurance providers on their websites.

 

  1. Financial Means

When getting insurance, you must factor in your personal finances for monthly payments. Choosing an insurance provider and policy that can fit into your budget is advisable. It’ll be tough to commit to a policy only to find later on that you’ll be struggling to pay it off. Compare the different insurance policy costs and choose one that you can reasonably handle along with your other expenses.

 

Conclusion

Finding the right motor vehicle insurance requires effort on your side. You want to make sure that you’re securing the insurance policy and insurance provider that is right for you. Before you start the process, make sure that you have the correct documentation in order. Take the time to calculate your mileage as this is information that will be required from you. Research about the local motor vehicle insurance standards and regulations to know exactly what you’re signing up for. Once you’re familiar with the legal dynamics, don’t forget to factor in your finances and make sure you’re choosing one that budget.

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Florida State asks judge to rule on parts of suit against ACC, hoping for resolution without trial

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TALLAHASSEE, Fla. (AP) — Florida State has asked a judge to decide key parts of its lawsuit against the Atlantic Coast Conference without a trial, hoping for a quicker resolution and path to a possible exit from the league.

Florida State requested a partial summary judgment from Circuit Judge John Cooper in a 574-page document filed earlier this week in Leon County, the Tallahassee-based school’s home court.

Florida State sued the ACC in December, challenging the validity of a contract that binds member schools to the conference and each other through media rights and claiming the league’s exit fees and penalties for withdrawal are exorbitant and unfair.

In its original compliant, Florida State said it would cost the school more than half a billion dollars to break the grant of rights and leave the ACC.

“The recently-produced 2016 ESPN agreements expose that the ACC has no rights to FSU home games played after it leaves the conference,” Florida State said in the filing.

Florida State is asking a judge to rule on the exit fees and for a summary judgment on its breach of contract claim, which says the conference broke its bylaws when it sued the school without first getting a majority vote from the entire league membership.

The case is one of four active right now involving the ACC and one of its members.

The ACC has sued Florida State in North Carolina, claiming the school is breaching a contract that it has signed twice in the last decade simply by challenging it.

The judge in Florida has already denied the ACC’s motion to dismiss or pause that case because the conference filed first in North Carolina. The conference appealed the Florida decision in a hearing earlier this week.

Clemson is also suing the ACC in South Carolina, trying to find an affordable potential exit, and the conference has countersued that school in North Carolina, too.

Florida State and the ACC completed court-mandated mediation last month without resolution.

The dispute is tied to the ACC’s long-term deal with ESPN, which runs through 2036, and leaves those schools lagging well behind competitors in the Southeastern Conference and Big Ten when it comes to conference-payout revenue.

Florida State has said the athletic department is in danger of falling behind by as much as $40 million annually by being in the ACC.

“Postponing the resolution of this question only compounds the expense and travesty,” the school said in the latest filing.

The ACC has implemented a bonus system called a success initiative that will reward schools for accomplishments on the field and court, but Florida State and Clemson are looking for more as two of the conference’s highest-profile brands and most successful football programs.

The ACC evenly distributes revenue from its broadcast deal, though new members California, Stanford and SMU receive a reduced and no distribution. That money is used to fund the pool for the success initiative.

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The Canadian Press. All rights reserved.



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Australia’s Michael Matthews earns third win at Quebec cycling GP

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QUEBEC – Australian road cyclist Michael Matthews raced to victory at the Grand Prix Cycliste de Quebec on Friday.

Matthews earned a record third career victory in Quebec City. He was previously tied with Slovakia’s Peter Sagan with two wins.

The Jayco-AlUla rider won the fastest edition of the Quebec race on the UCI World Tour calendar.

Matthews, who claimed titles in 2018 and 2019, edged out Eritrea’s Biniam Girmay and France’s Rudy Molard in a thrilling sprint.

Tour de France winner Tadej Pogacar, the heavy favourite, was unable to follow through with his attack launched just over two kilometres from the finish line. He finished in seventh place.

Pogacar will look to redeem himself at the Montreal cycling Grand Prix on Sunday.

This report by The Canadian Press was first published Sept. 13, 2024.

The Canadian Press. All rights reserved.



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Whitecaps loan Herdman to CPL’s Cavalry, sign two reserve players to first-team deals

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VANCOUVER – The Vancouver Whitecaps have loaned midfielder Jay Herdman to Cavalry FC of the Canadian Premier League and rewarded two Whitecaps FC 2 players with MLS contracts.

Midfielder Jeevan Badwal signed as a homegrown player through 2027, with options for 2028 and 2029, while forward Nicolas Fleuriau Chateau signed an MLS contract through 2025, with club options for 2026 and 2027.

Both have been playing for the Whitecaps’ MLS Next Pro team along with the 20-year-old Herdman, the son of Toronto FC coach John Herdman.

The moves were made before Friday’s MLS and CPL roster freeze.

Born in New Zealand while his father was working for the New Zealand Football Federation, Jay Herdman was also part of the New Zealand soccer team at the Paris Olympics with three appearances including two starts. Herdman’s loan deal runs through the end of the CPL season.

“Jay is an important signing for us, who will provide another attacking option for the run-in,” Cavalry coach and GM Tommy Wheeldon Jr. said in a statement. “He’s a player that we’ve been tracking since we played against Whitecaps in pre-season and he has very good quality, with terrific energy and the ability to contribute to goals.

“With the recent injury to Mael Henry, Jay’s positional profile and age helps us with on-field options and minutes that count towards the league’s required 2,000 U-21 domestic minutes during the regular season.”

Badwal, an 18-year-old from suburban Surrey, is the 26th academy player to sign an MLS contract with the Whitecaps.

“Having joined our academy in 2019, Jeevan continues to progress through our club and takes every challenge in stride,” Whitecaps FC sporting director Axel Schuster said in a statement. “He is comfortable on the ball, positionally sound, and does the simple things very well. We are excited for Jeevan to make the next step in his young career.”

Badwal has made 19 appearances with Whitecaps 2 this season, scoring two goals and adding three assists. A Canadian youth international, he started all three matches for Canada at the 2023 FIFA U-17 World Cup

Badwal made his first-team debut off the bench in the first leg of the Canadian Championship semifinal against Pacific FC.

Chateau was originally selected 74th overall by the Whitecaps in the 2024 MLS SuperDraft after spending two years at St. John’s University.

The 22-year-old from Ottawa signed an MLS NEXT Pro contract with Whitecaps FC 2 in March. He leads Whitecaps FC 2 in goal-scoring this season with eight goals across 21 appearances (including eight starts).

“Nicolas leads MLS NEXT Pro in shots on target, has a very strong work rate and willpower. We are looking forward to seeing his growth as he builds on his young professional career,” said Schuster.

Chateau made his first-team debut as a second-half substitute at CF Montreal on July 6.

Herdman, who joined the Whitecaps academy as a 13-year-old, has made 19 appearances for Whitecaps FC 2 in 2024, scoring six goals and adding three assists. He made his MLS debut in April as a second-half substitute in a 2-0 victory at the Seattle Sounders.

Internationally, Herdman has represented New Zealand 29 times across the U-19, U-20, and U-23 sides. He was part of New Zealand’s squad at the 2023 FIFA U-20 World Cup, starting three matches at the tournament and scoring against Uzbekistan.

The Whitecaps host San Jose on Saturday while Cavalry entertains Atletico Ottawa on Sunday.

This report by The Canadian Press was first published Sept. 13, 2024

The Canadian Press. All rights reserved.



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