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Approximately 65 percent of South African drivers do not have auto insurance cover. That is an alarming statistics for the 35 percent of those who do. So, what is keeping that 65 percent from making the responsible decision and purchasing at least the minimum cover?

We will start with a look at the different types of insurance. There are three basic types of insurance in South Africa.

The minimum cover is Third Party. This covers your liability (costs) if you damage someone elses personal property in an automobile accident. This includes other vehicles or structural property that may also be damaged.

You can add to the minimum by purchasing Third Party Fire and Theft. This will cover you in the event that your vehicle is damaged by fire, theft or attempted theft.

Comprehensive cover is the one that is recommended for most South Africans. And the aAdvantage of comprehensive motor insurance is that it is unique as it covers the most South Africans including Third Party Fire and Theft. It also extends to cover the damages to your own or someone else’s car when you are driving it.

Drivers working in South Africa can obtain vehicle insurance options that can address the unique needs of operating a vehicle in this area. Such options include motorcycle, off-road, comprehensive cover, and caravan cover.

Because South Africa is a high risk insurance environment, premiums can be high. But you can take some steps to lower your premiums.South Africa is often a world leader in traffic injuries and fatalities and the roads are becoming increasingly dangerous. Car theft and hijackings are also all too common.

Start by shopping around and comparing quotes. It is easiest to research your options online, and you may also get a discount if you purchase your policy online depending on the company you decide to work with.

Drive safe and save on your premiums. Claim-free years should earn you rewards from your carrier. If not, scout for companies that would offer value rates to you.

Examine your excess amount. The higher the excess, the lower the premium because you are responsible to pay the excess in the event of a claim. If you can afford it, raising your excess amount will help you save in the long run.

If you own an expensive or high performance vehicle, you will pay more for your premiums. These cars cost more to insure because they are considered a higher risk and are expensive to replace or repair. So when you car shop, keep in mind that your insurance premiums will add to the cost of owning the vehicle you choose.

Insurance companies often have minimum security requirements for the vehicles it secures, so if you add security devices that exceed the minimums, you could receive a discounted premium.

If you live in a high crime area, your car is at greater risk for theft or hijacking. Consider moving to get lower premiums. You can also receive a discount if you park your car in a locked garage or behind locked gates overnight.

Never think twice to have a negotiation. When an insurance company is looking to get your business then they will for sure for an extent work on your terms

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Aricas leading car insurance portal.

As more and more Americans are laid off and the unemployment numbers in the country continue to rise, many of them are concerned about the loss of health insurance benefits. This double whammy of losing income and benefits at once can be devastating to a family. Fortunately, there is a government program called COBRA that allows anyone who loses their job to continue receiving health insurance. For many Americans who’s COBRA insurance is currently about to expire, a new COBRA Insurance Extension has recently been passed.

Don’t make the mistake of thinking that you don’t need health insurance. If your health insurance lapses, you may have a problem covering yourself and your family when you do get a new job. It is also not a good idea to ‘play the odds’ and hope that you will not need medical coverage; it is impossible to predict when accidents or illness may occur.

Qualifying for COBRA

Simply put, COBRA allows separated employees to purchase supplemental insurance coverage that spans the gap between jobs. The provider of the plan is the individual’s most recent employer. The benefit is provided to anyone who has been laid off, terminated for a reason not including gross misconduct, or had their status reduced to part-time, making him or her ineligible for health insurance coverage. Dependants that were included on the employer’s policy are also eligible.

If you lost your job between September 2008 and February 2009, you can still take advantage of COBRA health insurance benefits. The American Recovery and Reinvestment Act (ARRA) allows a further extension to anyone losing employment during this time period and who is still unemployed.

Paying for COBRA Insurance

After separation from your employer, the company is required to offer COBRA benefits but they do not have to pay any portion of the monthly insurance premium – that is the responsibility of the former employee. Although you will pay more than your contribution while employed, it is still far less than individual plan coverage. Recently the federal government announced a 65% subsidy for those unable to afford the monthly premium under COBRA.

What Happens After Loss of a Job

The responsibility of reporting a layoff or termination is up to the employer. They have 14 days to do so. Eligibility for COBRA insurance extension is determined by a number of factors including the size of the employer, the circumstances of separation, and many other rules and regulations. It may be helpful to use the services of a consultation company to help you sort through the details.

The employee has 60 days to decide whether he or she wants to take advantage of COBRA benefits. If the former employee does elect to continue health insurance coverage, there is a 45 day period in which the first premium must be paid.

Each health plan is subject to specific rules regarding how to file a claim for benefits. After filing a claim, you may be deemed ineligible. There are protocols in place that allow you to protest this assessment, and you must do so within 60 days. If you are not aware of the insurance rules and regulations in place, it might be best to use assistance in claiming COBRA benefits or submitting a protest.

Many times there are special circumstances that apply to continued health insurance coverage through COBRA insurance extension. Luckily, you do not need to sort out all the issues, rules, regulations, and specifics yourself. There are resources available to help those who are entitled to the benefits receive them. See the website for more details.

Learn more about Cobra Extension. Stop by our site where you can find out all about Cobra Insurance Plan and what it can do for you.

In the modern world we live in today, unplanned pregnancies have become rare due to the many excellent methods of birth control. Some are old, tested, and trusted, while others like the third generation Nuvaring are new and have dangerous side effects and problems associated with its use.Since time immemorial, women have used contraception and birth control methods to avoid pregnancies due to a multitude of reasons. As time passed, crude methods were replaced with more modern methods, medications, and devices. As science progressed and knowledge increased, new and more modern methods were developed for birth control. We now have the third generation of birth control methods and devices, which uses and contains hormones like estrogen and progestin.

Nuvaring is just such a method, which not only contains estrogen, but also a new form of progestin called desogestrel. The problem is not with the use of Hormones, as the second generation of birth control methods too used some hormones, but the problem is with the Side effects of Nuvaring and Nuva ring dangers associated with its use.

Most women are weight conscious therefore it is important for them that their control pills will not impede their weight loss or weight maintenance programs. However, there are no further studies that will support such allegation of weight gain after the utilization of control pills. Researches have no evidence pointing the weight gain to the use of oral contraceptives. There are many theories but none has been proven to be the real answer.

The US FDA confirmed the findings of the studies and since Nuvaring contains desogestrel, the risks and Side effects of Nuvaring and Nuva ring dangers too has been confirmed. The use of Nuvaring birth control over a period of time results in certain Side effects of Nuvaring, such as blood clots in the legs that can travel to the lungs, heart attacks, strikes and tumors. The Nuva ring dangers associated with its use are major and can be life threatening.

The side effects can and do start with blood clotting or venous thrombosis in medical terms. In simple terms it means that the use of Nuvaring could lead to blood clots in your kegs and thighs. By itself this is not life threatening and can be taken care of.

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But if there are multiple blood clots and even one of these travels through the body to a vital organ like the brain, lung or heart, then the problems and danger could multiply a thousand fold. A blood clot in a vein of a lung could leave you breathless and gasping for air, while a clot stuck in a vein or artery carrying blood to the brain could lead to an ischemic stroke leading to irreversible brain damage. Likewise the clot traveling to the heart could get stuck in an artery or vein resulting in a heart attack.The side effects of Nuvaring and Nuva ring dangers are enhanced and increased if the woman using it is 35 years or older, has diabetes, smokes more than 15-20 cigarettes a day, and has high levels of cholesterol or is obese.

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