What Is Bodily Injury Auto Insurance?


What would you do if you injured someone in an accident and they sued you for damages? Knowing what type of bodily injury coverage you need can be essential to prevent financial loss because of an accident. 

What Is Bodily Injury Insurance? 

If you or someone on your policy causes an accident that results in medical bills, lost wages, or pain and suffering for others, then bodily injury insurance, such as from a insurance company Poulsbo WA, can cover it. This policy can also pay for legal fees you incur if you are sued. This coverage pays for damages and costs in an accident where someone on your policy is liable. Many U.S. states require this type of insurance.

How Does Bodily Injury Insurance Work?

There are several types of bodily injury coverage. In combined single limit coverage, the limit covers any damages, including both bodily injury and property damage. In split limit insurance, your insurer will have individual limits for bodily injury and property damage. “25/100/15” is the format the policy is written, which means $25,000 coverage for each bodily injury claim, $100,000 total for bodily injury claims per accident, and $15,000 coverage for property damage.

How Much Bodily Injury Insurance Coverage Do You Need? 

Most basic auto policies cover bodily injury to a certain limit which is listed on your policy. This limit is determined by the amount you normally pay for your auto insurance. Unless you have an umbrella policy, you will be responsible for any bodily injuries and legal damages above the limit of the policy. 

If you have a car accident and injure someone, it is important to know what type of bodily injury coverage your vehicle has. You should consult your insurance agent to determine whether you have coverage to prevent overwhelming financial losses.

Category: General



SEO’s critical role in a business is indisputable; any business owner who has incorporated SEO into their business will attest that it is the best way of enhancing business performance.SEO aims at improving a business website so that your page appears top on search engines. It is a fact that content writing and SEO go hand in hand; for a successful SEO Denver project, the content created for this purpose should be of high quality. Keep in mind that poor quality of content will discourage potential customers from visiting your site. On the other hand, quality content can easily direct traffic to your site and eventually boost your online presence.

How to write SEO content?

Nothing matters in SEO more than unique content; most people rush into content writing without understanding this duty. A good content writer should appreciate that content writing demands creativity and passion; this will ensure that you publish relevant SEO content that will capture people’s attention. Here are useful tips for SEO content writing;

·Write for your audience first – It is important to ensure that your article or blog is relevant to the targeted audience. It is wrong to assume that every SEO content must be designed to promote your product or service. An informative article is equally useful in engaging a wide range of prospects. Therefore, every content writer must put the targeted audience’s interests at the center of their writing. This will help them to write SEO content that resonates with the prospective buyers.

·Make headlines that pack a punch – Most people underestimate the power of a catchy headline. Therefore, it would help if you spent time crafting an exceptional headline. A captivating headline encourages prospects to read your article and consider buying the service or product you are selling.

·Use keyword-rich phrases – One major benefit of using keyword-rich phrases in SEO is that it emphasizes the authenticity of the information you are passing across. It also turns off your readers and reduces your chances of converting leads into customers. As you use keyword-rich phrases, it is important to understand that keyword phrases must be used sparingly and thoughtfully to avoid keyword stuffing. Using too many keywords might expose you to search engine penalties for keyword stuffing. Therefore, every content writer worth their salt needs to regulate the number of keywords appearing in their article.

·Propel content with social media – Social media platforms play a key role in the dissemination of information. Whether through Facebook or Twitter, a well-managed social media account can act as an excellent way of reaching out to a wide range of readers who might express the need for your service or goods.

Final remark

As the internet continues to transform the way people transact their business, it is emerging that one of the most effective digital marketing techniques that have propelled many businesses is SEO. It aims at improving your site and attracting more traffic to your site. Writing high-quality content is central to a successful SEO campaign. The best way to improve the quality of your SEO content is by adhering to the writing tips discussed in this article.

Category: General

6 Common Mistakes That Can Void Your Car Insurance


Car insurance is a necessity for every driver. Get the correct insurance policy for your car, and if you don’t understand, ask your insurer or check online for guidance. However, some mistakes which can be avoided can make your insurance void.

Insurance Mistakes To Avoid

Overloading Your Vehicle

Overloading your car is a common way to void your insurance. This can happen if you carry excess passengers or load extra weight. Also, ensure your car tows the right weight.

Driving Under the influence of Drugs or Alcohol

Driving under the influence of drugs or alcohol can lead to policy cancellation. Drivers also face a jail term or hefty fines. On the other hand, it is best to note drugs can also be some medications that may impair someone’s ability to drive.

Failure To Pay Premiums

Forgetting to pay insurance premiums on time can lead to the cancellation of your policy. If you pay monthly, the possibility of forgetting can be higher than annually. But, it will all depend on your budget.

Utilizing Your Personal Car for Business

If you use your car for ridesharing services without notifying the Florida insurance agency, this can void your policy. Drivers who want to use their cars for financial gains can require commercial insurance. Some insurance policies cannot cover your car if damaged while doing commercial activities.

Failure To Report Car Modifications

It is important to inform your insurer about car modifications. It could be repainting, adding bull-bars, among others. Check the policy document and learn which modifications your insurer covers and doesn’t cover.

Driving with Worn out Tires

Tires deteriorate quickly if used frequently. Ensure your car has a minimum tread depth of 1.5mm across the width. A car with worn-out tires is considered unroadworthy, and thus the insurance is void. Car insurance covers a vehicle in case of an accident. It is also mandatory to have a car insurance policy in some states. So, avoid any mistake that can lead to policy cancellation.

Category: General

6 Reasons To Love Detroit


Without a doubt, Detroit is a city that many people hear negative things about in the news. As a city with a history of struggles, there is no question that life has been difficult for many of its residents over the past 100 years. However, that is no reason to discount one of America’s hidden gems.

From shopping opportunities to good eats and fascinating history, Detroit is a city that has a lot to offer. When many people hear this, they are surprised, but it is no less true. If you are looking for an interesting place to visit with undeniable character, you will not want to miss Motor City.

1. The Prices

One of the best parts of Detroit is the cost… of everything. From homes to goods to finding a used vehicle for sale metro Detroit MI, the below-average expenses will be another pleasant surprise.

2. The Food

From the Green Dot Stables to Baker’s Keyboard Lounge and the Rock City Eatery, Detroit is home to numerous delicious options for grabbing a bite to eat.

3. The Music

The only thing Detroit might be more famous for than cars is the tunes coming out of Motown and from other classic musical legends. On your next visit, make time for a jazz night!

4. The History

Most people know Detroit’s car history, but the city is full of other histories, too. From its historic library to the famous Fisher Building, there are all kinds of stories to hear. Take a free tour!

5. The Art

For art fans, the Detroit Institute of Art offers no disappointment. Whether you check out an exhibition or event, the museum has a lot to offer.

6. The Sports

Even if you are not a fan of sports, you have probably heard of the Detroit Lions and Tigers (oh my!). Whenever you are in town, do not forget to stop by either one of these impressive stadiums.

There you have it: Forget all preconceived ideas about Detroit. It is an amazing city with unlimited possibilities and lots of fun to enjoy. 

Category: General

3 Reasons To Start Your Own Auto Repair Shop


Auto repair shops provide necessary services for automotive machinery. If you have a background in motor vehicle repair and you want to be your own boss, here are some good reasons to pursue your dream of starting your own company.

You Are a Business-Minded Person

Having an avid interest in motor vehicles, combined with a working knowledge of how to repair them, is the most compelling reason to own your own auto repair shop. However, you will also need business acumen to complement your passions if you want to turn your dream into a reality.

If you do not have a background in business, either through schooling or by trade, it is a good idea to take business classes. You can also consider recruiting someone with a business background to be your partner.

You Can Secure Funds To Purchase Quality Equipment

Give your repair shop the best possible start by purchasing quality equipment. Research the best places to buy such equipment or consult an expert at a specialized store to help you make the most informed decision. For example, if you are interested in acquiring an auto lift, consult an expert automotive hoist technical staff Catawissa MO to help you find the perfect lift for your garage.

You Can Give Your Shop a Competitive Edge

When your auto shop is just starting out, it doesn’t have a record of good service or customer satisfaction, so you will have to find other ways to attract consumer attention. Get to know the other auto shops in the area and find out what they lack. Do they do good work, but have poor customer service skills? Are there certain services that they cannot perform? Reflect on these shortcomings and think of ways that you can incorporate them into your business model.

According to Fundera, the Bureau of Labor Statistics states that roughly half of all businesses fail within the first five years of operation, so starting your own business provides no guarantee of success. Keep the aforementioned considerations in mind when deciding if owning an auto repair shop is right for you.

Category: General

Why You Should Spend More Time with Family Through Fishing


Fishing creates the most memorable times for the whole family. You can recall the good times you spent with your old man in the lake fishing, and it is one of those moments you treasure most. Some people may not fancy handling the worms or waiting out there in the middle of the river or sea to get a bite. But the whole experience is always worth it. 

Here are a few reasons you should spend more time fishing with your family.

Teaches the Kids Important Lessons

Taking the kids to the sea to fish imparts some important lessons, such as where the food comes from. They can later on their lives make healthier food choices whenever necessary. 

In addition, fishing requires sitting still and quiet before you can snap anything, which teaches the kids to be patient to achieve their goals. They also learn to be self-sufficient. Children know they don’t have to rely on others to get their food. The kids also learn about the different fish species, and you never know; some can even develop a lifelong passion from the activity. Teach them about the food cycle. How the worms or the bugs are food to fish and lizards, and how the fish are our food. Show them the importance of every animal in the ecosystem and how each has a role they play. 

Spend Time Outdoors

Whether in the office or on the weekend relaxing at home, you spend copious amounts of time indoors. However, investing in good quality Center Console Fishing Boats allows you to enjoy the outdoors and some healthy amount of sunshine and fresh air. Studies show that people who spend a lot of time outdoors are happier. 


Fishing is also a good exercise for the whole family. Between carrying the fishing supplies to the water source and casting the pole or the fishing net into the water, fishing is good exercise. You will not work up a lot of sweat, but you remain active and healthy. 

Fishing is an excellent way of spending more time with your family. The activity teaches important lessons such as patience, where the food comes from, and is good exercise. Start today.

Category: General

4 Vital Aspects of Car Detailing


One of the best ways to keep your car in good condition is by detailing it. There are many elements involved in the vehicle detailing process. Check out this list of four important aspects of car detailing.

1. Washing

Use the two-bucket method when cleaning your car. One bucket should contain a solution you can use to wash your car. The other should have an ample amount of water, which you can utilize to rinse the rag or mitt you employ while washing The two-bucket method will help you avoid scratching your car’s paint. Learn more about the washing process by checking out vehicle detailing Richmond VA services.

2. Inspecting

You should thoroughly analyze the exterior of your car so that you can spot any imperfections. Maybe the paint needs swirl removal or correction. It is best to perform inspections using a Xenon or LED lamp. A lamp will help you spot things that your naked eye might miss. It will also help you determine whether your vehicle’s paint is dull or has a fair amount of shine.

3. Polishing

If you end up locating imperfections on the exterior of your car, correct them by taking advantage of polishing methods. You can use an orbital buffer. It can stifle oxidation and remove swirl marks without damaging your vehicle’s paint. Note that there are many buffing agents and pads you can utilize to polish your car, so choose wisely.

4. Protecting

You will want to protect your car’s paint after polishing it. You can accomplish this by coating it with carnauba wax. Know that you can add a synthetic paint sealant before applying your wax. You will prevent your car from sustaining scratches in the future by protecting it; sealants and wax smooth your car’s surface, increasing the likelihood that an object will slide off of it rather than scratch it.

Car detailing is extremely beneficial. Be sure to invest your time and energy in it.

Category: General

4 Top Reasons To Call on a Locksmith


If you’ve only gone to a locksmith to make key copies, you might be wondering what else they do. Locksmiths are busy people that offer a variety of services for both residential and business customers. Here are four of the top reasons you’d need to call on a professional locksmith.

1. You’re Locked Out of Your House

Locking yourself out of your house with no spare key can be frightening, especially if it’s late at night. This can happen in seconds, even if you just stepped outside for a moment. Calling a locksmith will get your door open quickly without damaging the lock.

2. You’ve Lost Your Car Keys

What happens if you lose your car keys or one breaks off in the ignition? Suddenly you’re stranded without a way to get to work or back home. That’s when you need to call for a car key replacement Livingston TX. Locksmiths also help with transponder keys and keyless entry systems.

3. You Want To Change Your Locks

If you’ve just purchased a new home, you have no way of knowing if anyone still has a key. One of the first things you should do is change the house and garage door locks. Instead of attempting it yourself, call a locksmith to change them all at the same time, giving you peace of mind.

4. You Can’t Access Your Safe

Many people have safes at home or at their business to protect sensitive documents. If you’ve misplaced or forgotten your combination, it can be very upsetting. With one quick call to your local locksmith, you can get back into your system and access your valuables.

Locksmiths are always there when you need key copies, but they also offer several other services. If you’re locked out or need a new car key, call on a professional locksmith.

Category: General

The Best Penetrating Oil for Rusted Nuts


Leave anything outside for an extended period of time and corrosion is going to sent into the metal. Even stainless steel components can eventually develop rust. And when it comes to connection hardware, such as nuts and bolts, corrosion can be a big problem. For years, various off the shelf brands of penetrating oils have been available, with varying degrees of product success when actually applied to a corroded nut or bolt.

Fundamentally, the idea is that the oil applied has the ability to get into the grooves of the nut and bolt and provide lubrication so that, when twisting pressure is applied, the nut moves and ultimately loosens off the bolt. However, not every oil product out there works well or even at all.

The best penetrating oil for rusted nuts generally tends to be a product that applies a very thin oil that seeps into cracks and grooves quickly, and can be absorbed by the gunk and dirt typically present in corrosion situations. When applied liberally, these products work in a few minutes, with the target nut giving up its grip and twisting off easily after a little bit of effort to start the motion.

Category: General