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Alaska Auto Insurance Laws and Car Insurance Requirements

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Alaska auto insurance laws are amongst the most stringent in the United States, a fact not lost on the state’s citizens. However harsh these laws may appear, ultimately they are intended to ensure the safety of all road users. The purpose of these laws, therefore, isn’t to be punitive, but rather to keep citizens on the road safe in all eventualities. That’s why every vehicle must be insured and proof of insurance must be offered at the scene of every accident in the state.

According to Alaska auto insurance requirements, every driver must have a currently active liability insurance policy at all times. This applies whether the vehicle is being operated on a street, highway or public property. The only exceptions to the insurance requirements are off-highway vehicles, areas where registration is not required and non-registered non-operational vehicles.

The minimum coverage required under Alaska auto insurance laws is the highest in the nation. Every driver must carry coverage of at least $50,000 for injury or death to any person, $100,000 for total injuries or deaths per accident and $25,000 for property damage. The rates are set at a high level to minimize the number of lawsuits that tend to follow accidents.

As in most states, drivers are required to provide proof of insurance at particular times. In Alaska, this includes any time you are involved in an accident or any time you are pulled over by a police officer and asked for proof of insurance. Failure to provide adequate proof can result in a range of penalties depending on your driving history.

According to Alaska auto insurance requirements, failure to provide proof of insurance can result in immediate suspension of your driver’s license and the period of suspension can range from 90 days to 12 months, depending on your previous record. The more times you are issued a motor vehicle liability insurance, or MLI, violation, the longer the suspension.

Along with the license suspension, drivers can also be charged a fine for MLI violations. A first violation carries up to a $500 fine and any subsequent violation can carry up to a $1,000 fine or a 6-months driver’s license suspension or both. As with other areas of Alaska’s insurance laws, the penalties are particularly austere in order to ensure the safety of all road users.

Under Alaska auto insurance laws, owners of new cars with outstanding loans must also carry full coverage insurance. Full coverage insurance is also required on all rental cars. If you do not have collision coverage for a rental car, your insurance company is required to offer it in order to mitigate any physical damage to the car.

Alaska does not take the idea of auto insurance lightly and neither should you as a driver. It is therefore in your best interest to ensure that you are covered for any eventuality. You should not take risks with your life or those of other drivers. Put safety first with a full coverage auto insurance plan for complete peace of mind.

The 7 Most Common Food Allergies

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Food allergies affect more people today than they did 50 years ago. Although our food standards have increased in general our bodies don’t seem to be as robust as they were in the past. Allergy related illnesses like asthma have shown steady increases year on year.There are many different food allergies but here are the 7 most frequently diagnosed food allergies found in the U.S. today:1. Wheat Allergy – Wheat plays a major role in many of our diets, forming the basis of some breakfast cereals, pasta and bread and you will also find it such food products as soups and snack bars. As an ingredient it has a wide variety of uses which can make avoiding it quite difficult at first if you are wheat-intolerant but doing a little research and knowing what to look out for on product labels can make life a lot easier.2. Peanut Allergy – Peanuts have a bad reputation when it comes to allergies and it’s easy to see why. Allergic reactions to peanuts or peanut-related products can be severe and possibly even fatal if not dealt with in time. Even small traces of peanut can can cause a reaction in some people and like other foods listed here peanuts can find their way into a wide variety of everyday products – cookies, candy bars, and peanut butter are more obvious ones but you can also find it certain pastries and even ice cream.3. Milk Allergy – This is the most common of all the food allergies and it usually manifests itself early on in a person’s life. The reason for this is that children drink more milk at an early stage than adults. Although having a milk allergy can have a quite severe reaction most people grow out of it as they progress into adulthood.4. Egg Allergy – Eggs also contain allergens that can be quite severe and are also difficult to avoid at the supermarket. Both the egg white and the egg yolk can cause an allergic reaction.5. Shellfish Allergy – Shellfish allergies are more common in adults than in children. Approximately 2% of adults develop an allergic reaction to shellfish and it usually occurs in early adulthood.6. Soybean Allergy – Being a member of the legume family soybeans and peanuts are closely related. In the 1950s and 60s soy was thought to be safer than milk in baby food products as milk allergies started coming to the fore. And because it’s high in protein soy is found as an ingredient in many household food products today.7. Tree Nut Allergy – Although nuts like pistachios, Brazil nuts, pines and almonds all come from trees and peanuts come from the ground there seems to be a link there as a large portion of people who are allergic to peanuts are also allergic to tree nuts. It’s advisable that if a person has an allergic reaction to either type that they should avoid nuts altogether.

5 Benefits of Payday Loans

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Payday loans are a relatively new idea. You find yourself strapped for cash and in need of a little help to get you through to payday.In the past the only viable option open to you was credit cards or a personal loan. Both these options have a great track record but they also have their problems. Credit cards are notoriously easy to run up a high bill because of the way they are designed, they let you pay a minimum payment in the hope that you stretch out the re-payment as long as possible. This creates more income for the credit card companies as they pile on charges and interest. Personal loans can be good products but they are sometimes difficult to get and require in depth credit checks.So now a new product has emerged to fill the void where people either can’t get credit cards or don’t want the hassle. Enter the payday loan. They are a great alternative to traditional lending options but have a bad reputation. Are they as bad as you think? They are extremely popular, surely so many people cant be wrong. Below we have listed five advantages so you can make your own mind up.Below are seven advantages of payday loans.1. The process is very quick and easy. Really quick! A person can apply for the loan and have the money sat in their bank account within half an hour… sometimes within a couple of minutes. This kind of speed is unheard of in standard banking terms and is mainly due to the automation that is utilized. The customer can apply on the internet and usually only has to fill in their personal details and then tweak a couple of sliders.2. You can borrow as little as you like. Unlike standard banking products, the short term loan companies will usually lend you as little as $50. For a high street bank this amount simply wouldn’t be possible, they would see such a small loan as a waste of their time and not worth the investment in the first place.3. Short term lending means you don’t have a long term problem. Because of the nature of the payday loan you know that you only have that debt for a month or so. This has the advantage of knowing that you won’t be paying off the debt for the next 6 months. Although most people think that if you default you are in big trouble this often simply isn’t true. The payday loan companies understand that a certain number of people will default and they build this into their business plan, often simply banning the customer from using the service again rather than taking further action.4. They are more likely to accept you. They tend to take on riskier individuals. payday lenders are often more likely to take a risk on a person than the standard banks are. This is because they are designed to lend small amounts over a shorter amount of time the financial risk is seen as much smaller so they can lend to a wider range of people.5. All charges and fees are clearly stated up front. Because of the bad press that the lenders have had in the past the payday loan market is heavily monitored and controlled. All fees and charges need to be clearly identified up front as well as the representative APR. This means that you know exactly how much you will pay back without any hidden charges or unexpected payments.Hopefully these five advantages of payday loans has given you an insight into why people find these products so attractive. In summary, payday loans are quick, relatively easy to get and as long as you understand how to use them, they aren’t as scary as you think.