Touch of Tea

What Does Snowmobile Insurance Cover?

Thu, 14 Mar 2013 12:13:00 -0400

Snowmobile insurance is similar to car insurance. There are several different parts to the insurance policy and as with car insurance you get to pick and choose how much coverage you actually have.

Liability covers the cost of damage that you may cause during an accident. Medical bills are covered in case someone else is injured as a result of the accident. The medical portion of this covers specifically the medical for the other driver in case they are injured. This only covers the other people in the accident. It will cover their lost wages, and any legal expenses the you may incur if a lawsuit is brought against you. Many states require this liability coverage.
Collision covers the cost of damage that was done to your snowmobile due to an accident. If someone hits you, you hit someone or you roll the snowmobile over collision covers this. You will need this if the snowmobile is leased or financed. This may also cover protection for safety apparel up to 2,000 depending on your insurance.
Comprehensive covers you for damages to your snowmobile due to fire, theft or vandalism. It also covers storms, floods, and falling objects. Comprehensive covers custom parts and equipment as well.
Uninsured and underinsured covers bodily injury and death due to an accident with your snowmobile. If the accident is someone else’s fault and they do not have insurance or do not have enough insurance this is where yours picks up. It may cover medical costs, lost wages, and other damages. This coverage varies from state to state and is required in some states.
Medical payments may be made to you and your passengers regardless of who may be at fault.
Towing and labor this is an option you may add if you like. It includes towing if your snowmobile becomes disabled, battery jump start, tire change and locksmith services. This option will reimburses you if you need any of these services.
You may also chose OEM endorsement this is to guarantee that if your snowmobile is damaged in the event if comprehensive or collision loss it will be repaired with original, manufacturer equipment and/or parts.

Wood: The Never-ending List of Uses

Fri, 01 Mar 2013 15:37:03 -0500

Alright, so it’s not quite never-ending. Well, it certainly does seem that way though. Wood has been used for a variety of purposes all the way from the dawn of human beings, when they used it for warmth, shelter and to prepare food. Today, wood has served these purposes as well, but in much greater, grander and more complex ways. The amazing durability, versatility, variety and sound structure of wood has made it especially ideal for construction. Despite this most evident use in society today, there are other uses that we see often but usually overlook or take for granted.

Wood was first used as fuel, mostly for cooking. It is still used today for this purpose in rural areas of the world and it’s always fun to do while camping. Today, people now build fireplaces and woodstoves for warmth and to create an inviting, comfortable atmosphere.

However, wood is mostly known for it’s use as a building material. Wood for first used to construct things such as shelters, boats and houses. Today, many boats are still made from wood. When used for construction work, wood is commonly referred to as lumber in North America. Most modern housing in many areas of the world consist of timber-frame. The construction industry is growing thanks to engineered wood products as well. Engineered wood is wood made by humans, also known as composite wood. It can be a combination of particles, fibers, strands, wood and adhesives to form this composite material. Engineered wood is used in home construction and is also used for commercial buildings. Even if buildings are made of engineered wood or other materials, wood is usually the base structure of most buildings. Wood is also used for doors, shutters and serves well as siding to a home. Siding adds aesthetic value and durability in rough weather.

Building Shell Testing for you

Thu, 20 Dec 2012 11:30:56 -0500

phdork:

Protect our buildings from the cold winter weather!

backt0life:

Wow, it’s getting cold very quickly. Are you ready for the cold season? Is your building? You should look into building shell testing to make sure that your building is energy efficient during the cold season. It can really cut back on your energy bill and save you a lot of money.

Viva Nebraska! Check Out My Cool New Cornhusker Crap!

Fri, 07 Dec 2012 16:14:20 -0500

Yeah, I did some shopping this past week at http://www.huskerplanet.com and now I look good. Well, if you like Nebraska gear I do. If you’re an Iowa fan or someone else who may lack the good taste of a Husker, this might not float your boat.

Auto Blogo: Amazon Gift Cards for Sale

Mon, 17 Sep 2012 12:00:12 -0400

Auto Blogo: Amazon Gift Cards for Sale:

workingatdacarwashh:

Right now I feel like there’s no holidays happening, and there won’t be any in the near future either. That shouldn’t stop you from thinking about your friends and family and surprising them with Amazon gift cards!

Why gift cards? Because they can be spent on just about anything, and why…

One day, that guy will be able to use his hands.

Thu, 02 Aug 2012 12:11:18 -0400

One day, that guy will be able to use his hands.

Be Green

Thu, 02 Aug 2012 12:09:01 -0400

Here’s a few things you can do to stay green throught the summer. Remmember, a little bit can go a long way! Someone said that, can’t remember who. Popeye?

Turn off the AC

Yes, summer can be brutal at times, but do you really need to AC running 24/7? For example, does it need to be on when you are at work or doing something outside? Simple things like that can save you a lot of money and cut back on the US dependency on energy.

(Image credit: Getty Images via @daylife)

Lifting up the planet! Yes they are strong, but so is the human...

Thu, 02 Aug 2012 12:06:16 -0400

Lifting up the planet! Yes they are strong, but so is the human spirit… of recycling and being green!