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private van insurance questions and answers

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Q: Where can I get private insurance for a car van in Ireland?
Companies I have queried insist on it being commerical even though my car van is for private use

A: I have a list good websites offering cheap car insurance. They are all reputed insurance compnies. You can comapire rates between them cause its a big list. In this way you save money also. Send me a mail at solidoffer11@yahoo.com with subjet- cheap car insurance. I will send a link of best website where you can find good offers, tips and resources. Best wishes

Q: Van Insurance for Market Traders?
My friend is a market trader at a UK based sunday market. He has asked me if I could drive the van and trailer to the market for one day. I have seen one day van insurance on the internet and whilst this would cover me on the road, I wondered if there are any special considerations for driving a van on private land at a market?

A: happyboy, I recommend an online insurance quote. It's free and quick to do. http://www.usinsuranceadvisor.com/Auto-Insurance.html Hope it works out

Q: How can i keep my boss from finding out i got a dui I drive a company van and am on company insurance.?
I will lose my job if my boss finds out i got a dui. I got hired in and put on company insurance before i got a dui. Can anyone help me out please and tell me any ways i can keep this private from him.

A: well i don't know if this would happen to you but one of my last jobs i had i drove company trucks and i have a CDL and they said if you get a ticket or something is put on your record they will get notified about it, so im pretty sure your boss will get a letter about it

Q: short term van insurance?
would like to insure small van for 4 months. has to cover europe and Turkey. private use only. any ideas ?

A: unfortunately you do not define 'europe' - you must specify the countries you wish to visit, AXA have a policy that covers Turkey and all EU countries plus several ex soviet bloc states

Q: Is my wife responsible for a door ding in a private parking lot?
I had parked our mini van at a park for a soccer game. A lady with big truck pulled in next to us and parked less than two feet away. My wife returned to the car to get something. The wind jerked the door out of her hand and left a small dime sized dent in the truck that had parked too close! The owner of the truck then asked for our insurance information. How liable are we? I understand the $500 mini suit law that applies in Michigan's No Fault laws.

A: Yes you are responsible.

Q: How easy it is to do the buy a vehicle and resell the Vehicle?
it is easy to buy vehicles and resell vehicle for example. suppose I buy a 2002 Mini Van for $6000 and later on in the day resell them for $9000 75k at a kelly blue book private party? However, I would always set it for neg/o.b.o. I was thinking of doing as a business as an income if i do that how much taxes you have to pay. I will not own a car lot this will just be indivual buy and resell. Let me know what the risk and if anyone dose it before espeicaly insurance and registration.

A: Legally you have to title the vehicle. It is considerded title skipping if you dont. So depending on the state the cost of that will vary. (recommend speed title you will get it back in days instead of weeks) Also, depending on the state if you do this 3-4 times you will be required to obtain a dealers license. If you just title the vehicle and dont put any type of insurance on it and the vehicle becomes damaged while someone is "test driving" it their insurance may not cover them, so you would be personally liable. Now, if the hypothectcal mini van is real and it is a dodge it may be so cheap because they have a historical transmission problem, if it is a GM van you may have intake manifold problems or if its a Ford you may have head problems. Also, the mini van market is soft. And, why do people depend so much on KBB.com? Dealers base everything on the market. KBB is often consumer biased. Meaning if you look at the trade value of a vehilce it my show a certain number yet the real wholesale value is more than likely lower. Example: 2002 Dodge Grand Caravan SE Full power, Alloy, Privacy glass KBB Good Contition is 6400 Black book is 5400 Auction report 4350. So what this is telling me is that mini vans are getting softer. A dealer can purchase a simular van foe lets say 5000.00, they will probably list it at 7999.00 0r 8,999.00 yet they will surely accept somewhere around 6500 - 7000. I know I am rambling. I dont want to see people get stuck. The car buisness is not as black and white as alot of people think. Its alot like gambling. You have to know the odds and be willing to risk it all.

Q: police camera van!!!?
i drove past a police camera van and was doing 25 in a 30 which is ok but the problem is i have a private plate on my car. and i have put spaces on which am not allowed and two pics either side i have it all so on my tax disc but with out the spaces and i have insurance and the lot. can the camera catch me with my plate and will i get a fine or dose it just get speeders. thanks

A: Doubt the van has picked you up, they scan known plates of interest and for set things such as no insurance, warrants, disqualified drivers etc.. There are set rules on spacing and character sizes. However you plate is prob illegal so you best watch out for the police with whites caps IE traffic officers it is usually a fine and noted of the police computer so then if your stopped again they can give you a harsher penalty. However your plates can also be seized and you given 7 days to rectify them and present proof to a police station if not done in 7 days then court. Fine and court cost..

Q: Second car?
Due to the rise in company van tax,for the first time in 15yrs i am going to park up my service van rather than pay 770 quid to use my van for private mileage.I am thinking of getting a 2nd car my wife uses our Xtrail for work and i need a car to get about,i am thinking of a Fiat Cinquecento(cheap tax,insurance,fuel etc)any one got a opinion on this, or should i pay the ransom to Mr Brown and carry on using my van?

A: i got a cinq van (spain) not bad car cheap on fuel 45 miles to gallen quit quick good for towns & citys on moterways sits at 120 klm about 75 miles p h but get one about 2 years old so you dont have to have fiat service that is not cheap!

Q: Who is responsible now?
I had been at work for the past 12 hours, went out to my van, and someone had sideswiped it very badly. The driver who did this left no note, did not tell security what happened, basically hit it and ran. I went to the security desk to see if they had captured it on camera, and of course, the camera could not read the license plate of the other car because of the camera angle, and it is not in color, so we have no leads on whose SUV it was. There are atleast 100 other people who work here who own this model of SUV. The security officer suggested I contact my insurance to get it fixed, but unless I am mistaken, I was parked on a private lot on private property. Isn't the property owner responsible for the well being of every car in the lot? I forgot to mention that the lot is by a public park, and anytime anyone in the entire city wants to turn around, they do so in our lot. I did not fill out any disclaimer, nor is there a sign posted, or anything in the employee handbook that my employer is not responsible for accidents in their lot.

A: My guess is that your employer has a sign or had you sign some letter when you hired in that stated that they are not responsible for any damage to your car while you are parked on their premises. It is park at your own risk. Call your insurance company and file the claim, I would also take a look at all the other SUV's in the parking lot and see if any of them have your paint on their bumper or sheet metal. Then you know who it was, and can act accordingly as you choose. good luck.

Q: I had a bump in the car today, the person in the front slammed on her brakes, so their for so did I, I bumped?
in 2 the bk of her, she said to me it was the van in front of her put on their brakes,thats why she slammed hers on, but some 1 has to pay, she went to the gaurage who have said it is superfishale but will cost £170, Am i to blame??? if I am then im willing to pay her private rather than go throu the insurance,their is no damage to my car & the van did not stop, my insurance is closed the now so cant ask them for advice untill the morning I was about 5 car lenths away from her & was doing less than 10 MPH

A: Don't admit liability, don't apologise. Report it to your insurance and pass all the letters &c to them. If you get a telephone call just refer them to your insurance. It will cost you in NCB &c, but this sort of thing can get much more expensive than the first estimate, and you have a duty to tell the insurers anyway

Q: do i have a chance in winning my claim?
i had my van stolen with the keys left in the ignition on private land 200 yards off the main road my insurance company were going to pay out i signed a settlement form excepting a price they were going to pay out handed my log book and keys in also signed my log book over to them which i have kept. for some reason they have changed can they do that knowing everything from the start

A: Yes, if they have discovered new facts or evidence which was unknown to them before.

Q: the bloated welfare states of France and Sweden have lower corporate rates and generally better corporate tax?
Now that recession-warning lights have begun to blink, Democrats should give tax hikes a rest. As tax-happy Democrats might have noticed, the stock market resembles a kindergartner on a swing set: half-giddy, half-scared, and hyperactive. Meanwhile, payrolls sagged by 4,000 positions last month. Not since August 2003 has America created no new jobs. Fifty-two economists in September 13’s Wall Street Journal offered a 36-percent average probability of recession by next September, up from 28-percent in August. Oil hit $81.93 per-barrel Wednesday — hardly good news. And the tumultuous home-mortgage industry suffered 243,497 foreclosure listings last month, up 115-percent versus August 2006, RealtyTrac.com reports. This mess triggered 12,000 layoffs, just at lender Countrywide Financial Corp. To prevent tight credit from suffocating the economy, the Federal Reserve Board Tuesday hastily administered a 0.5-percent federal-funds-rate reduction. Amid these worrisome omens and genuine human suffering, the last thing America needs is for congressional Democrats to stuff a pillow over the economy’s face. But they can’t control themselves. “Through 2012, the Democratic Congress’ new budget raises taxes $217 billion,” the National Taxpayers Union’s Pete Sepp calculates. “If no surpluses appear that year, another $175.5 billion tax hike automatically kicks in.” This $392.5 billion includes a halving of the per-child tax credit, restoration of the marriage penalty, a 50-percent leap in the low-income tax bracket (10-percent under Republicans; 15-percent under Democrats), and the resurrection of the Death Tax — from 0 to 55-percent. After August’s tragic Minneapolis bridge collapse, House Transportation chairman James Oberstar (D., Minn.) proposed a “temporary” nickel-a-gallon federal gasoline-tax increase. Never mind that existing gas-tax revenues vanish into narcissistic pork projects rather than urgent infrastructure repairs. Such a tax hike would “cost American motorists an estimated $25 billion over the next three years,” NTU reckons. Democrats cannot plea that soaring deficits require tax hikes to absorb red ink. Indeed, the federal budget gap narrowed from $413 billion in 2004 to $158 billion today, proving that the best deficit medicine nearly always is to limit taxes and consequently unleash American enterprise. A thinner federal slice of a bigger economic pie usually yields revenues exceeding pre-tax-cut levels. Federal receipts have zoomed 7-percent this year. “The tax cuts are working exactly as intended,” Heritage Foundation analyst Brian Riedl argues. “Lower tax rates have increased the incentives to work, save, and invest, and as a result, the economy has grown faster than expected.” He adds: “Concerns that the Bush tax cuts would lead to a long-term shortfall of government revenues have proven false …Tax revenues in 2007 are now estimated to be $70 billion above the level projected even before the 2003 tax cuts. In other words, tax revenues are now above their pre-tax cut baseline.” Democrats cannot deny what happened after President Bush and Capitol Hill Republicans slashed maximum capital-gains taxes from 18 to 15-percent in 2003. Rather than dwindle $5.37 billion between 2003 and 2006, as the congressional Joint Tax Committee’s antique, static-analysis model wrongly predicted, revenues actually advanced $53 billion. Foreign economic ministers understand these lessons and are lowering taxes as if Franklin Roosevelt never lived and Ronald Reagan never died. “Sweden and Russia last year eliminated their estate taxes because they said the tax was economically counterproductive,” economist Stephen Moore wrote in the August 31 Wall Street Journal. “In Germany under Chancellor Angela Merkel, the corporate tax rate has been reduced to less than 30 percent from 39-percent.” Poland recently chopped its business tax from 27-percent to 19. Even Hanoi gets it! Thanks to corporate-tax relief, “the business environment will become more and more attractive, resulting in increased investment,” Vietnamese tax chief Nguyen Van Ninh told Moore. While America’s corporate tax levitates at 35-percent, seven European Union nations have lowered business levies this year. The EU-average corporate tax is 24.2-percent. “Further corporate tax rate cuts are being implemented in Germany, Estonia, Spain, and the United Kingdom, and rate cuts are being discussed in the Czech Republic and France,” observes Cato Institute senior fellow Dan Mitchell. “Even the bloated welfare states of France and Sweden have lower corporate rates and generally better corporate tax systems than America.” Democrats thus resist global pro-market trends, even among progressive governments long on social solidarity and short on “reckless cowboyism.” But, for most Democrats, these facts and numbers are irrelevant. Taxes are not about merely funding vital government duties and basic public services. They are meant to punish the wealthy, “correct” personal behavior, and distribute universal largesse. Thus, Democrats itch to raise taxes on highly lucrative private-equity partnerships, from 15 to 35-percent. True to form, the Democratic Senate voted in August to hike cigarette taxes 156 percent, from 39 cents to $1 per pack. This would ignite a massive explosion in the State Child Health Insurance Program. The Democratic House extended government medicine to kids in families of four earning quadruple the Federal Poverty Line, or $82,600 — twice today’s threshold. The House also redefined “child” as an eligible boy or girl …up to age 25. While America’s economy clings from a ledge, Democrats dance on its fingertips. When the donkey party promises “change,” it delivers — good and hard.

A: that's funny, what you call "raising taxes" i call "repealing Bush's tax cuts for the wealthy" isn't it amazing how we can both be technically correct but that by saying it this or that way one can give it a really good spin?

Q: Why do companies get away with this kind of crap?
While the national headlines focus on efforts across the country to force Wal-Mart to pay more for its workers’ health insurance, an obscure story in Missouri reveals just how “sick” Wal-Mart’s health care policies can be. The story involves a former Wal-Mart worker who received some medical care benefits from Wal-Mart, but now the retailer, which made $10 billion in profits last year, is suing the disabled worker to get the company's money back. According to the St. Louis Post Dispatch, last June Wal-Mart decided to sue Debbie Shank, who stocked shelves at night at a Wal-Mart in Cape Girardeau, Missouri, so she could spend the days with her three kids. Debbie was in her minivan in 2000 when she was hit by a truck. She suffered severe brain stem damage, and has been left totally disabled. After the accident, her Wal-Mart health insurance paid for her medical care. But when Debbie sued the trucking company, and won a financial settlement of roughly $900,000, Wal-Mart decided it wanted Debbie to pay Wal-Mart back. But Debbie’s husband says the money they received from the lawsuit has been used to set up a trust fund to help pay for Debbie's care, since she now requires expensive nursing home care. Wal-Mart says it has a legal right to try to recoup its medical expenses from Shank, once she won her lawsuit. "This is a very sad case, and I think many people naturally have an emotional and sympathetic reaction," a Wal-Mart spokeswoman told the Post-Dispatch. "But the reality is that we are required to protect the assets of our health plan so that it can pay the future claims of other associates and their family members. Unfortunately, it's just not feasible to start making individual exceptions.” But Wal-Mart knows that to the public, it will appear that they are trying to get money from a disabled woman, her three children, and her husband. Shank is confined to a nursing home, and will not work again, and cannot financially help her family out by working nights at Wal-Mart. So Wal-Mart is worried that its lawsuit against a disabled woman will not seem right. “Not everyone will understand this,” the company spokesman admitted, “and I'm sure that we will get a fair amount of criticism." Debbie Shank’s lawyer said, “If somebody got some money from a lawsuit and used it to buy a new home they didn't need or a European vacation ... that's one thing. But that's not the situation we're dealing with here. In view of the unfavorable publicity that Wal-Mart is getting around the country ...I'm surprised they're pursuing this against their former employee, particularly since she remains so devastated and so in need of these funds." Shank’s husband, Jim, says his wife is still so mentally confused that she can’t always identify which son she is talking to, and that she is wheelchair bound, and, due to her brain stem injury, can only move one arm and two fingers. The Shank family got around $417,477 from the lawsuit, and that money was put into a trust to pay for Shank’s future medical bills, which will be very substantial. But Wal-Mart wants to get their medical expenses back, so they can deposit them in the company’s Health and Welfare Plan. Shank says that if his wife loses her case to Wal-Mart, she will lose more than money. She will lose her private room at the nursing home, her wheelchair-accessible van and the personal care worker who helps her with her activities of daily living. Jim Shank has health insurance, which pays for some of his wife’s on-going medical bills. Shank works at several jobs to make ends meet, including real estate sales, and work at a local department store.

A: They get away with it because of crroked lawyers, and a justice system that favorsthe rich. Also, government regulations are very lax, while the legislators award themselves goldplated health care and pension plans. It has been this way forever.

Q: Immorality.com ?? War and invasion,bring freedom,democracy and the rule of Law ???
L.Rocwell Washington, DC, in the 1980s was called the "murder capital of the world," but that designation now belongs to Baghdad, where the number of people killed since the end of the war is approaching 42,000.(7/2006) The US had hoped to reduce the numbers of troops in the capital, but the incredible violence of the city has instead prompted the usual response in the age of Bush: more troops, more rules, and more martial law — and there isn't a person not on the payroll of the occupation willing to predict that this new "show of force" will settle folks down. Much of the chaos is due to wanton immorality by the occupying power, and also to what the media like to call "sectarian violence," that is Sunni vs. Shiite (neither of which wants to be ruled by the other). There is also what the media call "insurgent" violence, which is directed against the ruling party, its bureaucrat minions, and its muscle provided by the occupying troops. But in reality, these cannot be so sharply distinguished, since the sectarian violence is fueled by the attempt to create a one-party state. And yet so much of the violence is Iraq is unrelated to either politics or the occupation. It grows out of the moral chaos of Iraq today, the cause of which merits some closer investigation. First, however, consider the following case study from some time ago. It concerns two armored vans with eight drivers and guards who were transporting cash from one bank to another in Baghdad. As has become routine, the vans met up with a military checkpoint made up by Iraqi Army trucks, headed by an official-looking Humvee. Of course the van stopped, lest its occupants be shot. Men in the convoy asked the drivers to get out of their van, and they willingly complied, since this is the standard way people are treated in Baghdad, where there is no freedom of movement. Then the van drivers received a surprise. The military troops, or whoever they were, handcuffed all eight of the men and threw them into the back of the van where they languished in 120 degree heat. The cash from the van was stolen by the people in the Iraqi military convoy, which drove away. Who were the robbers? No one knows for sure. There is an equal chance that they were private robbers on the make, underground political rebels, or actual Iraqi troops who saw a main chance and took it. Nor will anyone ever find out who they were. Since that event, far more serious crimes have occurred, and there is no reliable court of law in any case. Indeed, such thefts are so common that insurance companies refuse coverage for cash transport. Banks take their own risks. What we have here is rampant crime combined with the absence of justice. In civics class we are routinely taught that government officials are the ones we trust with keeping the law. But deeper analysis reveals the more fundamental truth that the only difference between the government and the people, in any system, is that the government lives by a different set of rules. There is nothing inherent in the nature of government that causes its employees to be more honest, trustworthy, and public spirited than anyone else. Indeed, the power that government exercises over others would be considered criminal if any citizens attempted to behave as a government does every day. There is a name for a country where there is no security, freedom, or justice, and where criminality is woven into the fabric of everyday life: moral nihilism. Not only it is not clear who the good guys and the bad guys are. It is no longer clear that there is any pervasive belief that there are such things as good guys and bad guys. The moral categories that make civilized life possible have disintegrated. The most conspicuous evidence is that the self-proclaimed liberators turn out to be oppressors. The ruling elite that claims to represent the Iraqi people are being kept in power by the mortal enemy of the Iraqi people. Those who are charged with protecting the people are as likely as anyone else to be responsible for looting and killing the people. What brings about such a situation? We learned after the fall of socialism in Eastern Europe and Russia that socialism had been all too effective in creating a new socialist man. The lack of respect for contract, property, and life itself became evident in the reform process. The cultural foundations that might have led to a stable and secure freedom were just not present. Why is this? Because violence blessed as an official civic policy is a demonic teacher of populations. In any society, the problem with crime extends beyond the immediate victims. Pervasive violence whittles away the cultural and moral foundations of society itself. In your own town, a bloody killing or arson or egregious theft is not only a problem for those harmed. It subtly but certainly conveys a message that immoral and evil behavior, previously unthinkable, is a living reality that can be contemplated and carried out with great effect. The result is what criminologists call copycat crimes. This is one reason society must punish crime with severity: no society can afford to permit the lowest elements to serve as an imitative example to others. As criminality increases, cultural commitment to moral norms decreases, both as a cause and an effect. War has been called a form of crime on a mass scale, and a particularly egregious form because it comes with the endorsement of elites. For centuries before the modern age, awareness of war's lawlessness led to a consensus that the conduct of war should be restrained by rules: fighting should be restricted to those in the employ of the states' military sectors, damage should be proportional, violence should not be wanton, negotiated settlements should be sought at all times. But in the modern age, all that changed. Civilians became targets. Cities were not spared. Proportionality is not a consideration. Settlements are out of the question; all wars must end in unconditional surrender by one side of the other. As a result, modern wars are far more violent and blood-soaked than medieval ones, and they are far more likely to impact the whole of culture, dragging society's moral sense into the gutter, so that the sense of right and wrong, good and evil, dissolve and are replaced by a pervasive nihilism. Thus must the US ask itself: how did this "wave of violence" begin? Who or what taught the Iraqi people that crime pays, that violence is a tolerable mode of behavior, that rules of social engagement are bunk, that human life has no inherent value? It began with ten years of cruel trade sanctions designed to drive the whole population into sickness and grinding poverty, and then culminated in the "shock and awe" war than rained mass destruction on their cities and large population centers. It was war that unleashed Hell. Think back to the days after the bombs stopped falling on a newly "liberated" Baghdad. What did we first see? It began with mass looting of everything in sight. This was the first sign that Iraq had entered into a distorted cultural zone in which rules did not matter anymore. The unthinkable had already happened. What matters anymore? As time has gone on, the violence on all sides has only increased, and it is invariably met by more wartime tactics by the occupying armies. There is no law; there is only power. And so the response by the people has been to ignore law and take power into their own hands. And the cycle continues. How much has the value of life declined in Iraq? Here is Stars and Stripes reporter Andrew Tilghman: "While in Iraq, I also saw people bleed and die. And there was something unspeakably underwhelming about it. It's not a Hollywood action movie — there are no rapid edits, no adrenaline-pumping soundtracks, no logical narratives that help make sense of it. Bits of lead fly through the air, put holes in people and their bodily fluids leak out and they die. Those who knew them mourn and move on." If the Devil had an evangelist, its name would be war. War promotes the view that only suckers fall for moral precepts, that human life is neither here nor there, that private property is nothing more than what you can grab and keep. This is what makes the claim so absurd that the US invaded in order to bring about freedom, democracy, and the rule of law. The war taught the advantages of all the opposite values. The Iraqis have been fine students of the moral nihilism unleashed by the US government's war on Iraq.

A: From now on mister, your questions are limited to 5 paragraphs or less, 3.5 major points and less than 1,500 words or less, less being the preferred method. :-) Thanks.

Q: Property OWNERS, do you see yourself living in a...?
...camper/motor home, car/van or tent with these steadily increasing property taxes? Would not a state/county consumption tax & reduction in county/state services & employees be a better situation for property owners, than moving into a step van with your family? I mean PRIVATELY owned property is just that, PRIVATE! Why are American's even letting themselves be taxed on THEIR private property? Like property owners do all the purchasing/financing, upkeep & pay the insurance on THEIR property, why pay taxes on YOUR own "little" country? What's next, tax ya on upkeep & remodeling your OWN dwelling, geezh!

A: The only difference between a tax man and a taxidermist is that the taxidermist leaves the skin. -- Mark Twain