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Car Insurance Claim Procedure

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Motor Vehicle Insurance is compulsory in India under Motor Vehicle Act 1988. Motor vehicle insurance is the insurance coverage of the risk of third party arising out the use of motor vehicle and also for covering the risk of damage caused to the vehicle. Indian people neither concern about Life Insurance Plan nor Medical Insurance plan but they are more concern on Motor Vehicle Insurance either they are driving a Scooter or a Bike or a Car or a Truck. It is mandatory otherwise if anyone injured without insurance vehicle, it will treated like a Crime.

Now days everyone have their own vehicle, roads are jam pack with vehicles, the risk is high so as a result, motor insurance companies are growing day by day and claims have also gone up. But many a time, the policyholders do not know exactly what they can do to get their Car Insurance Claim Procedure.

Here we are explaining the procedure how to claim on your car insurance policy. This will help you a lot.

How to claim on your Car Insurance Claim

We will understand this procedure in some scenario step by step so it will be very easy for us.

Claims for own-damage: If your car met with an accident, you should follow these steps to claim for damages:

  • Inform the insurance service provider – First and foremost you should inform to the insurer at the earliest and you have to submit a duly filled in claim form along with the required documents to the insurance company before you send the car to the garage for any repairs. The forms are available on insurance service provider’s websites. Most insurers follow strict guidelines and its mentioned in the policy documentation.
  • Lodge FIR – In some cases, First Information Report (FIR) is required so lodge FIR to the nearest police station for the safer side. Although it may not be mandatory for claim settlements but it is advisable to lodge an FIR. It depends on the condition.
  • Assess the damage – Once you inform to insurance service provider, they will appoint a surveyor who will assess / evaluate the damage of your vehicle. He will prepare a report and pass it on to the insurance company. You will also receive a copy and then you can move your car to the nearest network garage for repair.Note: If the damage is severe then surveyor will reach the spot of the accident at the earliest for survey.
  • Claim settlement – As soon as insurance company receives survey report, they will analyze the claim request and sends an approval to the garage. The garage will have to provide an estimated cost for the vehicle repair and timelines for the same. The insurer will be in touch with the network garage for an overall view of the extent of damage and the way in which the repair work is proceeding.

After the work is completed, you will have to take the duly signed bills and documents from the garage and submit them to surveyor. Surveyor will send it to the insurance company.

If all the documents are completed, the insurance provider will reimburse your bills. Keep in mind that there will be some compulsory deductible and variable deductible components, as stated in the policy document. Once your claim settled and your car is OK then you can drive again.

Car insurance claim process for a third party claim: -If you are responsible for an accident where a third-party suffers injuries or damage to property, here is what you need to do:

  • Inform to insurance service provider – First and foremost you should inform to your service provider at the earliest. Also remember not to make any financial commitments to third party.
  • Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.
  • Share policy document – You should mandatorily share a copy of your car insurance policy with the third-party, so that they can raise a claim on it.
  • Claim at Motor Tribunal – According to the Motor Vehicles Act 1988, third-party liability claims are raised at the Motor Accident Claims Tribunal (MACT). The claim can be raised by the third-party at the tribunal closest to his/her residence or yours.

After receiving all the documents, the insurance service provider will verify the documents and assess the accident and if found satisfactory, you will get a lawyer appointed by them.

If the court directs you to pay the damages to the third party thereafter, the insurance service company will directly pay the dues to the third party.

It is advisable to see if the situation can be settled amicably outside the tribunal.

Claims for theft: If you find that your car has been stolen then follow the below procedure.

  • Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.
  • Inform to insurance service provider – You should inform to your service provider at the earliest with a copy of FIR
  • Once you receive the final report from police station, make a copy of it and submit it to your insurance company. The insurance company will assign an investigator. Investigator will make the report and submit to insurance company. Once that is done, submit the RC book of your stolen car to the insurance company.
  • Submit the duplicate keys of the car and also a subrogation letter. You will also need to submit a notarized indemnity on a stamp paper also.
  • Once all the formalities are completed, the insurance company will disburse the claim.

It is very important for us to know about the formalities of car insurance claim procedure otherwise many people are paying from their pocket due to lack of these information. Now days the entire insurance service provider’s having a very good customer support network and their teams are skilled and co-operative also so you must communicate with your insurer whenever you need it.

I wish that you don’t need these procedures. I wish you will have a Safe Drive, someone is waiting for you.

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HIV & AIDS – Ayurvedic Herbal Treatment, an Update

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HIV infection is a medical condition characterized by a progressive deficiency in the immune system of the human body, caused by the Human Immunodeficiency Virus. Currently there is no cure for this condition. However, anti-retroviral therapy has succeeded in reducing the virus count to a bare minimum, and has helped the immune system to improve. This therapy has multiple side-effects, and over time, the virus starts multiplying, while the immune system fails gradually.

Some Ayurvedic physicians compare the symptoms of HIV/AIDS to those of “Kshaya” or “Oja-Kshaya” mentioned in Ayurveda. While Ayurvedic treatment may not show the initial dramatic improvement seen with modern drugs, this treatment still has a significant role to play in the long term management of HIV infection. Ayurvedic medicines reduce the virus count and improve the CD4/CD8 count, which are indicative of the modulated immune status of the body. Judicious use of Ayurvedic medicines may also increase the innate (basic) immunity of the body, improve weight and cause excretion of the HIV virus from the body.

Traditional Ayurvedic formulations can be effectively used to treat the opportunistic infections which are a hallmark of advanced HIV infection. Kutaj Ghana Vati, Sanjeevani Vati, Panchamrut Parpati and Kutaj Parpati are used to treat recurrent diarrhea. Arogya Vardhini, Triphala Guggulu, Mahamanjishthadi Ghan Vati, Praval and Kamdudha are useful in Herpes Zoster infection and also in other skin infections. Laxmi Narayan Rasa, Samshamani Vati and Laghu Sutshekhar are used in chronic fever. Chandanadi Vati, Shatadhout Ghrut,Yashtimadhuk Ghrut, Triphala and Chandan (Sandalwood ) powders are useful in recurrent oral and genital ulcers. Laghu Malini Vasant, Madhu Malini Vasant, Suvarna Malini Vasant, Suvarna Bhasma and Heerak Bhasma are used as “general tonics”.

Herbal medicines which are useful in HIV infection are: Amalaki (Emblica officinalis), Bhumiamalaki (Phyllanthus niruri), Yashtimadhuk (Glycerrhiza glabra), Shatavari (Asparagus racemosus), Ashwagandha (Withania somnifera), Tulsi (Ocimum sanctum), Mandukparni (Centella asiatica), Kutki (Picrorrhiza kurroa), Saariva (Hemidesmus indicus), Manjishtha (Rubia cordifolia), Haridra (Curcuma longa), Punarnava (Boerhaavia diffusa), Pippali (Piper longum) and Chitrak (Plumbago zeylanica). These medicines have anti-viral, immunomodulating and adaptogenic properties. Some of these increase body weight, yet others increase the “agni” of the body and therefore maintain cellular metabolism at an optimum level.

Patients with HIV infection need long-term or life-long treatment. Herbal medicines have the advantage of an impressive safety profile, and can therefore, be given for long periods without any significant side effects. Herbal medicines can be given independently, or as additional therapy to modern medicines. The current goal in HIV management of prolonging a healthy life at minimum risk and cost, can thus, be achieved admirably with herbal medicines.

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The Pros and Cons of Advanced Career Training

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If you’re interested in promoting yourself in your chosen career without the commitment of getting a degree, advanced career training might be right for you. This option is usually best for those who already have a bachelor’s or higher degree in their chosen field. However, those in fields that don’t require a degree such as real estate might also look into advanced career training as well. So what are the benefits of advanced career training?

Many times you can get advanced career training for free. Many companies encourage it and include it in their benefits package to entice potential employees during their recruitment process. Some companies require it, and usually will only pay for it if it is essential to their job.

It makes you seem ambitious to your current employer. By getting advanced career training, your employer knows that you are planning on making a career out of your current profession and perceives you to be valuable. Another great tactic is to talk to senior workers and managers to find out what kind of skills are necessary to your job. Then approach your supervisor or human resources department and propose advanced career training on those skills, stating they are necessary to advance in your field.

It makes you work better. While many skills necessary for your job are self-taught, advanced career training allows you to enhance those skills by learning the theories behind them. It also teaches you new skills that are valuable to the work you do now.

Now that you know about some of the pros of advanced career training, what are the negative aspects of doing it?

You can’t take it with you if you change careers. Advanced career training tends to be highly specialized, and if you decide to change careers the training will be useless. While some general information will transfer over to your new field, most of it will not. Which means countless hours have gone to waste.

It doesn’t look as good as a degree. This is why it is recommended you complete a degree program before you get any advanced career training. Moreover, if you want to move up to a managerial field, you better go for the degree first. In a scientific field, it would probably look better on your resume to get a postgraduate degree such as a Master’s or PhD.

Advanced career training can be expensive, and financial aid is not as readily available. If your company isn’t paying for it, advanced career training can drain your wallet fast. And, unlike undergraduate or postgraduate classes, it may be harder to get financial aid. You might want to look at those options first if advanced career training isn’t in your budget.

So, as you can see, there are both positive and negative effects of advanced career training. If you are fairly certain of your career path and already have at least a Bachelor’s degree, advanced career training is definitely the way to go. However, if you are not sure of your career direction or don’t have the necessary degrees for your field, you might want to check that option first. Advanced career training is not portable and won’t do much for you in another profession.

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Pros of Subcontracting Custom Web Development

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Many factors made offshore software development a popular trend among many companies both in European and American Countries. For an example, the value of the IT outsourcing in the North America in 2001 was 59 billion dollar. Key drivers in growth of offshore software development increased revenue potential, selling capabilities to external users, increased process effectiveness, freeing up internal resources, company philosophy of outsourcing non-core activities, lack of suitable skill set, control of costs, and gaining access to world-class capabilities. Software companies significantly increase their income by entering the OSD contracts in addition to the production software for market. With signing a contract, clients can avoid unnecessary expenditure on setting up their own in-house software development infrastructure. Many companies offer custom web development services with intention of offering most cost effective solutions.

OSD offers increased process effectiveness for clients. All processes such as development as well as maintenance and other part of the software life-cycle are run by professionals that are specialized in this type of work. This allows avoiding many of organizational, marketing and managerial mistakes which are figured out common most often. This may result in a decrease of the consumer order cycle time. OSD provides ability to free up internal resources where clients can direct enormous resources usually required by the in-house development to other activities. Provider in turn is free to promote and deliver a specific product to the market. This is usually a more difficult process than advertising expansion services as it allows concentrating on the core activities of the software development.

IT function has always been difficult to manage in organizations. Similarly custom web development projects require a deep and up-to-date technical knowledge, which is lacked by the most business managers. Due to this discrepancy a lot of software project are supplied across national boundaries. With mounting popularity of ‘business process outsourcing’, many companies have started accepting to contract out for core activities, concentrating on the primary business processes. Lack of appropriate skill is a factor behind an increasing importance of OSD. In Germany, for instance, the integer of programmer vacancies estimates for during 2001- 2005 was 210 000. With OSD, Client is free of the most of fixed costs of the development. Provider in turn is able to lower cost due to lower wages, corporate tax rate, rent expenses, etc.

The access to the world class capabilities can again be figured out one of the key success factors for OSD. With its help small businesses are able to get a world class quality services according to international standards because development firms tend to offer high quality development due to increased competition, caused by globalization. Worldwide outsourcing of custom web development provides better quality service. Offshore software firms do specialize in detailed services such as Java programming language, web-based development, etc, and also more skilled than the in-house department of services buying firm. Here, outsourcing firm gets an advantage of increasing its capabilities from its practices and experiences, especially in offshore contracts, when client resides in a developed country with a well established base of research and development.

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Erectile Dysfunction-What You Need To Know?

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To understand better what erectile dysfunction is, we have to understand first what refers to an erection then only then we’ll be able to know about this sexual problem.

During sex, penis is being stimulated and caused stiffness and enlargement in it. The whole process is known as erection. However, it is not so that it only occurs during sexual situations, it may also occur in non sexual activities as well. How it happens? In the primary body system, penis arteries automatically expand due to stagnation by which more blood is filled in the tissue cells of the penis and gives it growth and stiffness. This blood filled tissue shrinks by pressing on the veins that retract the blood back, causes more blood to enter and less blood to return. After a while a balance comes into reality where the same amount of blood starts flowing in the dilated arteries and narrowed veins and because of this penis gets a certain posterior shape automatically. Erection is necessary for sexual intercourse but not necessary for other sexual activities.

What is Erectile Dysfunction?

Erectile Dysfunction, also referred to as ED, is an inability to sustain an erection during sexual intercourse and it is a quite common problem in men. In this article, we are going to find out if this problem can be controlled. According to a study, a part of male population over 35-40 years of age group is suffering from this problem and the worst thing is that this percentage is increasing in young men also. First, we should find out about types of erectile dysfunction’s problem.

Types of Erectile Dysfunction’s Problem:

Short Term Problem: This is the case when the problem occurs for sometimes.

Long Term Problem: In this case the problem remains prolonged.

In the first case, lifestyle is majorly responsible for short-term problem’s existence. The type of problem is for a short period of time because of the following reasons like anxiety, stress and excessive intake of alcohol. The second type of problem may be physical and keeps for long time because of high blood pressure, cholesterol, diabetes and blood flow in private organ is affected, which may lead to erectile dysfunction.

Treatment: In my opinion, if you are going through from a long-term condition, you may want to consult with a specialist for the treatment of your prolonged problem. Curing of erectile dysfunction is completely depends on its causes. Your personal call has an importance for its treatment right from changes in way of life to medication.



Self-Help: Listed below are some self-help techniques, you may try before involving into medical assistance.

1. You may want to do exercise on a regular basis to improve blood flow for a strong erection.

2. You can take healthy diet for preventing erectile dysfunction.

3. You can try to improve your sleep schedule as it increases testosterone levels.

4. You can try to quit smoking as it narrowing blood vessels.

5. You may stop extravagant intake of alcohol because it affects on central nervous system.

Medicine: You may use prescribed oral medication to get and maintain an erection, if none of the self-help techniques are working.

1) Viagra, Levitra and cialis these all medications act in smooth muscles relaxation and also increase the flow of blood in penis during sexual stimulation.

2) Other alternatives include Alprostadil (Caverject) to treat erectile dysfunction either through penile suppository or self-injection at the base or side of the penis.

3) Testosterone therapy is a primary treatment for testosterone’s low levels.

In my opinion, you may try some self-help techniques mentioned above and if none of them are working then you may seek for medical assistance if you have the problem of erectile dysfunction.

Article Source: http://www.articlesfactory.com/articles/health/erectile-dysfunction-what-you-need-to-know.html

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Internet Access in Jos, Plateau State Ngeria

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Internet access in developing and underdeveloped counties generally face big challenges in terms of infrastructures like fiber optic cables, back-bone cable connections, lack of reliable internet Service providers (ISP), slow or not very fast internet connection speed (poor services), limited internet access to the general public, and high cost of internet access/connection.

Nigeria is not an exception to these problems even though there seems to be significant improvements in recent times and big plans for the future, the problems still exists and stands as a challenge yet to be conquered. Plateau State and Jos its capital city are both in Nigeria and are not exempted from the Nigerian situation.

Internet access in Jos city and indeed Plateau State and even Nigeria as a country has been mostly through the use of satellite (VSAT) which is considerably a very expensive means of internet access. People who cannot secure the high cost of owning or maintaining one usually patronize the public internet cafes or go for the internet access services offered by mobile telecommunication companies present in the State.

Locally it costs from about $1.00 to $2.00 (N150.00 to N300.00 as at march 2010) or even more for every hour of internet accesses at public internet cafes within the Jos metropolis. Notable local internet cafes and internet service providers in Jos, even though some have gone out of business include; Net-link 24hr (Jos Business School), Bethnan Internet Café, Rabjib, Zecon, Afrione, Zebeh, Logic Systems, UCL Internet Café, System Links, Metro Cybercafé, MD Internet café, etc. Also worthy of note is that most of the local Internet Service Providers (ISPs localized in the Jos-Plateau) make use of the Wi-Fi (Wireless Fidelity) technology, MMDS (Multipoint Microwave Distribution Service) and sometimes fixed WiMax (World-wide Interoperability for Microwave Access) through the ISM bands to connect customers to their VSATs (internet access satellite) equipment for internet access. This involves the use of customer premise equipments like antennas (receivers) and wireless routers and Telco-Office transmitters mounted on pole/masts which operate mostly on line-of-sight (LOS) and sometimes on non-line-of-sight (NLOS).

With all the speeds that these Wireless Local Area Network (WLAN) and Wireless Metropolitan Area Network (WMAN) offers; the through-put at the end of the day for the customer drops down to the actual shared internet access speeds available to the internet service provider (ISP) for its customers which is at most 5-7kbps (kilobits per second) on a very good day.

However, internet access today in Jos city and in Plateau State is generally being dominated by mobile telecommunication companies offering mostly General Packet Radio Services (GPRS), Enhanced General Packet Radio Services (EGPRS), Third Generation mobile internet access (3G), and EV-DO RevA type internet access technologies with the use of customized modems unique to each mobile telecommunication company operating as an internet service provider which are in a few cases better than what the local internet service provider (ISP) alternative has to offer. These mobile phone and telecommunication companies are the likes of MTN (MTN Fast Link), Zain Mobile, Starcoms, Zoom, Visafone, Multi-Links Telkom, and Glo Mobile.

Generally, the internet is very accessible in Jos and in Plateau State even though not at real broad band speeds, it is still very usable depending on the Internet Service Provider (ISP) you chose to use. However the best we have tested so far, even though not devoid of down time problems is the Multi-links Telkom’s EV-DO Rev A hybrid internet access modems. We rate it our best in terms of speed, and reliability, even though is fails in terms of reach-ability (it is not usable in some rural areas), setup (first time installation) and affordability (compared to the cost of what other mobile phone telecommunication companies are offering).

In the midst of all these, one thing is for sure; you will never lose torch of the internet to connect with family, friends, and colleagues or to surf the web and do some downloads or whatever you use the internet for whenever you find yourself in the lovely city of Jos or in most parts of Plateau State.

Markets & places of interest on the Jos-Plateau; Building Materials and Vegetable Market, Gada Biyu Market, Faringada Tomatoes Market,, Langtang Street, Rukuba Road Market,, Ahmadu Belo Way, Jama’a Junction, Mangu Market, Jengre Market, etc.

The Jos-Plateau in Nigeria is also the place to find the following commodities in abundance and at good wholesale and retail prices. Commodities like; vegetables (including Irish potatoes, Cucumber, Cabbage, Tomatoes, Green pepper, Green peas, water melon, Water, Onions, Carrots), grains (including Popcorn, Sorghum, Millet, Yellow Maize, White Maize, Beans, Acha, Rice, Soybeans, Sesame seeds), fruits (including; Oranges, Bananas, Mango, Pineapples, Strawberry, Grape), (including Cow, Calf, Goat, Sheep, Goat, Chicken Eggs, Broiler chicken), and gem stones (including Topaz, Ruby, Tourmaline Blue, Pink Tourmaline, Aquamarine, Quartz, Sapphire), and many more.

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Designing a Process For Customer Service Issue Escalation

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Most companies have some sort of customer service. However, the companies that are good at customer service do more than just offer it. They have a process for escalating customer issues to prevent their losing the customer. Then they train their customer service staff in that process, as well as how to best serve the customer within company policy and manage to keep them happy too. Consider documenting a customer service escalation process and training towards using it. At a minimum the process should include the following levels of escalation.

Always start the escalation process with the first person to talk with the customer. For a phone or internet customer service, this is typically a customer service representative (CSR). When the CSR is working with a customer, it is their responsibility to try to resolve the customer’s issue or problem in a pleasant manner. The CSR should make an effort to really meet the customer need without lying or bending company rules. Often a solution at the first level will make the customer happy enough that they continue business with the company. Training on how to improved customer service offered on the phone and in-person will help make this step more effective. This type of training should include role plays to allow the new CSR to practice. Since the CSR job can be stressful and new information is always pertinent, it is important to offer periodic retraining as well.

If the customer’s issue is related to a technical problem or a specific product and the CSR does not have the information to help the customer, then they should pass the issue onto an appropriate expert for resolution. The CSR should let the customer know that an expert will need to handle the issue and give an idea when the customer may expect to heat back from the expert. The expert should reply as soon as they find an answer for the customer, even if they must take the time to leave a voice mail or compose a detailed email. If a customer’s problem goes this far, only a quick and great solution will result in a happy customer. Providing a list of product or technical issue experts that CSR’s may refer to will make this second escalation step easier. However, the experts should receive some additional training in people skills so that they treat the customer appropriately as well.

When there is no expert or the expert does not resolve the issue, the CSR should request the issue be promoted to the customer service supervisor or manager. Or the customer may request this third level of escalation if they are unhappy with what they have encountered thus far. The supervisory person should resolve the issue for the customer immediately after they receive the escalation. The supervisor or manager will have to sincerely apologize to the customer and explain what they are going to do or have done. It they do not, the problem will only get bigger as customer may choose to personally escalate their complaint to a fourth level that can result in unfortunate consequences for the customer service group.

A customer service escalation path that is well designed and has properly trained representatives should indicate no need for customers to want to seek a fourth level. However, the fourth level the customers could choose to implement their self. This might be to write a letter or email to the division manager, the company president, or the organization’s CEO. Or for external customers, they may choose to file a complaint with the Better Business Bureau. Customers that chose to escalate to a fourth level will be lost to the company unless they get a solution that they feel is above and beyond anything that could reasonably be expected at the other levels. Prevent the need for the customer to desire this level of escalation by answering their need and resolving their problem at one of the first three levels.

For the reasons outlined above, consider documenting a customer service escalation process and training customer service staff appropriately. An effective process for escalation of customer issues will help maintain current customers as future ones. Be a company that offers more than a customer service contact, but be one that is good at delivering the service as well.

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