Problem: Write an article based on this summary: Understand the basic factors involved. Assess vehicular property damage. Be aware that your car might be “totaled. Understand personal injury negotiations. Be sure to request compensation for pain and suffering if applicable. Do not accept an offer for a settlement too soon. Ask about policy limits. Determine whether you live in a “no fault” state. Talk to your insurance company if you are in a wreck with an uninsured motorist.

Answer: Due to wide variations in policy and coverage details, it is difficult to determine ahead of time exactly how an insurance company will calculate your settlement. The circumstances of each car accident differ greatly, so there are not precise mathematical formulae involved.  However, there are factors that are generally used to calculate a settlement for most accidents.  These include:  The type and nature of property damage Whether or not a party is injured The policy limits of the involved insurance policies Most car accidents involve property damage to one or both cars involved.  The insurance company will likely offer to cover the cost of repairs to your vehicle. For example, if the back bumper of your car is dented in the accident, the company will likely pay for the cost of repair to the bumper, including labor costs.  The company may wish for you to use one of their “approved” mechanics, and they may remit payment directly to the mechanic.  Alternately, they may remit the payment directly to you and allow you to choose your own mechanic and pay him yourself. ” If repairing the damage to your vehicle would cost more than paying you for the value of your vehicle, the insurance company may consider the accident a “total loss” and pay you for the value of your car. The value of your car is the depreciated value, which includes age and mileage of the vehicle.  The depreciated value is unlikely to be close to the price of a brand new car, and it is possible that it could be less than you owe on the vehicle if you have a car loan. First, be aware that personal injury compensation is usually calculated separately from the settlement for damage to your car.  The insurance company will consider:  Medical reports Documented loss of wages due to injury The nature and extent of your injuries The best course of action is to consult a personal injury attorney who can ensure that you are claiming all applicable medical expenses.  It can be particularly difficult to quantify pain and suffering, which is a request for compensation for past and future discomfort that the individual has suffered and will continue to suffer as a result of the car accident. To receive “pain and suffering” compensation, you should have completed medical treatments or be able to provide an estimate from a physician about ongoing medical costs that will be incurred in the future. For example, if a person was diagnosed with chronic pain as a result of the car accident, the settlement should include extra compensation for any medical expenses associated with the treatments as well as compensation for the permanent condition. You will receive one settlement for all personal injury expenses, so if you accept an offer before you have completed treatments, you will not be able to file additional expense claims.  It is best to hire a personal injury attorney if possible to advise you about claim settlement. Though the amount the policy will play is determined by the extent of personal injury and property damage, there are also limits that control the maximum amount that the policy pays out.  This is negotiated between the insurance company and the insured, and the insurance company will not pay more than the maximum amount. For example, if you were in a major accident that amassed $40,000 in property damages and personal injuries, but the insurance plan has a policy limit of $30,000, then the insurance company will only pay $30,000.  If you wish to get the remaining $10,000 covered, you would have to hire a private attorney and sue the driver of the car. Some state laws are such that the driver of the car is not responsible for your personal injury costs, even if the other driver was responsible for the incident.  If you live in a “no fault” state, your own car insurance will pay up to your policy limit for personal injury and medical bills. Even in a “no fault” state, he damage to property is covered by the insurance company of the driver who caused the accident.  If your car is totaled by someone who ran a red light, for example, that driver’s insurance will most likely cover the cost of repairs or replacement for your vehicle. Though all drivers are supposed to have car insurance, some drive without it.  If you are in an accident in which an uninsured driver is at fault, you will either have to sue the driver personally for the cost of repairs and medical expenses or you will have to file a claim with your own insurance company. Some insurance companies offer additional “uninsured motorist” coverage.  Consider purchasing this additional coverage to safeguard yourself against uninsured drivers.


Problem: Write an article based on this summary: Have a planner or calendar. Prioritize. Don't procrastinate. Be willing to say no. Have stress-relieving methods. Focus on your achievements.

Answer: When you don't write down your assignments, they clutter up your already-busy mind. Writing down due dates and test days will help you keep track of it all. Schools assign a lot of work, and if you often get confused about where to start, you're not alone. Take into consideration due date, grade value, and what teacher assigned it. If you have a math test worth 20% of your grade tomorrow, you should probably save the project due next month for another time. However, if it's a quiz worth 5 points, you might want to focus on the project. Keep in mind, also, the strictness of the teacher you're dealing with. Will the teacher fail you if you don't hand a paper in the minute she asks for it? If so, focus on her assignments. If your teacher is more relaxed about due dates, you can probably hand in a paper a day late or so without a problem. If you have a large project to do, dedicate a bit of time to it each day so you don't have to worry about the due date. The very concept of big project can cause stress; the bit-by-bit method will make it seem much less intimidating. Many people feel guilty about saying no and end up agreeing to do everything that is asked of them. If you have too much on your plate, say so! You'll thank yourself for it in the long run. Sometimes you just need to put the work away for a minute to calm down. Taking breaks is among the methods you can use to relieve stress. Others include taking a walk, getting some fresh air, reading, listening to some music, or having tea or hot chocolate. Try different things to see what soothes you. When you find what works, use it when you're stressed, but also on a daily basis to keep your brain relaxed so that when a challenge comes, you'll be ready to deal with it without stress. Controlled breathing might help if you don't have any options. Taking deep, slow breaths gives you something else to focus on and supplies your body with more oxygen for thinking things over. If you finished seven assignments last night and didn't have time for an eighth, be proud of what you accomplished. Worrying over what you could have done doesn't help. Sometimes you can't do everything, and that's okay! Take pride in your efforts.


Problem: Write an article based on this summary: Wear lingerie that accentuates your upper body. Try ruffles or a padded bra on top. Pair a bandeau with a brief or high-waisted bottom. Consider a sexy chiffon gown.

Answer:
With a pear-shaped figure, your shoulders and upper body are narrower, while your hips and thighs are more voluptuous. Flattering lingerie will draw attention to your upper body. Choose pieces that highlight your clavicle, shoulders, and arms. You can balance out your smaller upper body by wearing lingerie with ruffles on the top. A padded bra will also do the trick. Both pieces balance out the proportions of a pear-shaped figure. Pair these pieces with high cut, low-waisted bottoms for a slimming effect on your bottom half. A bandeau cutting straight across the torso will make create the illusion of width, and a brief or high-waisted bottom will complement your curves. Both pieces are relatively inexpensive and come in a variety of fabric and colors. Try a sexy all-nude look, or go for some revealing black lace. If you want to downplay your hips and thighs while drawing the eyes to your narrow upper body, try a flowing gown. Go for a piece that shows a lot of skin on top. Consider lace, tiny straps, or no straps at all.