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Personal injury lawyers know all too well that the vast majority of their cases will involve accidents caused by uninsured motorists. Even if you are in a vehicle that is covered by insurance, you are at risk of property damage, injury and exorbitant costs if you are involved in an accident with an uninsured driver.
Unsurprisingly, drivers who are uninsured or underinsured often fail to take other safety precautions as well before hitting the road. These negligent drivers with inadequate insurance are more likely to flee the scene of a crash because they know they are not covered by insurance in the event of a crash.
There are ways to protect yourself from uninsured motorists. The most important thing to do is to stay vigilant on the road at all times, as statistics show that many crashes happen close to home. Buckling up and following other rules of the road also decrease your chances of getting involved in a crash.
However, even if you take all the safety precautions you can, including insurance coverage for your vehicle, you could still become a victim of a hit-and-run accident or other type of crash.
One important prevention measure is to add uninsured motorist coverage to your insurance policy. The types of policies typically cover everyone in your family who may drive the vehicle, including teenagers just learning to drive as well as children off at college who may no longer live at home. This type of coverage will protect you in the event of a hit-and-run accident in which an uninsured driver refuses to take responsibility for the injuries, property damage and other costs he or she has caused.
Drivers without any form of insurance are not likely to own up to their mistake and will often instead choose to flee the scene and leave you with the bill. Insurance policies that include uninsured motorist coverage can help if this has happened to you. The coverage often includes compensation for both the immediate damage and medical attention, as well as future pain and suffering, lost earnings and long-term medical costs.
The cost to repair your vehicle and pay your hospital bill aren’t the only items included in uninsured motorist coverage; emotional costs, such as the loss of the ability to enjoy life or mental anguish, are also often included.
To determine what type of uninsured motorist coverage is best for you, take into consideration what a car accident injury or damage to a vehicle could mean for your family. If you are involved in a serious crash, will you lose time from work? Does your family depend on your income to survive?
If you stand to lose a large amount of wages or decreased earning potential after a car crash, and if you are the primary or one of the main breadwinners for your family, investing in uninsured motorist that takes your earnings into account is a wise investment.
Many insurance companies offer a standard payout per person of about $30,000 for car crashes caused by uninsured or underinsured motorists. That amount can increase if you have a high-paying job and could stand to lose more if you suffer from a car accident injury. Ask the insurance company to increase coverage for parties with high-income jobs – it could go a long way in promoting your peace of mind. Visit our website
Maid Service Rates – The Cost of Hiring a Maid to Clean Your Home
If there is one thing that most of us would love to have, it is maid service. And why not? Maid service can actually be a cost effective option, especially when you consider the amount of time and energy that you put into cleaning your home every week. If you are considering hiring a maid service, it is important to know about maid service rates. Maid service costs are influenced by several factors, so who you call, and what maid service rate you pay, is going to be influenced. The more you know, the better position you will be in when researching maid services in your area.
Can You Afford Maid Service Rates?
Some people may not even have to ask themselves this question. They may know right off the bat whether or not they can afford maid service rates. But there are a lot of people who fall somewhere in the middle, who don’t actually know if it is something they can afford. These people, as well as those who feel they can’t afford it, should at least take a few minutes to give it a fair evaluation. They may be surprised to find out that they indeed can afford basic maid service costs.
Maid service costs are going to vary. There are a lot of factors that are going to influence what a particular company’s rates are. These factors include such things as geographic location, how often you want the cleaning service, if they specialize in something, and how big your home is. While the maid service rates vary, depending on these factors, there are some price ranges that you can typically expect.
We contacted several maid services in each of the following cities and asked them what the cost would be to clean a 3 bedroom, 2 bath, 2000 square foot home. We then averaged the rates and posted them below to compare maid service rates in various cities across the US:
Each additional room that will need to be cleaned will increase your made service cost by around $5 or more per week. Whether you opt for weekly, bi-weekly, or monthly maid service will also influence the price you pay. If you are going to opt for a weekly maid service, you are typically going to get a little better rate than if you opt for bi-weekly or monthly maid services. This is because if the maid service is done on a weekly basis, the home is kept cleaner, but bi-weekly or monthly maid services will likely mean that there is more work to be done during each cleaning.
Also, it is important to note that these rates are for a basic one story home. Those homes that are two or more stories will have higher made service rates. For multi-story homes, you would typically add an additional $10 or so to each price, per week. For a multi-story home with three bedrooms and one bath, you can expect to pay maid service rates in the area of $80-150 per week, taking the above mentioned factors into account. You can expect to pay a little more for the initial cleaning.
Other Influencing Factors
When we think about maid services, we may conjure up a lot of images of what that includes. But most people will have slightly varying views of what would be included in a basic maid service cleaning. Here is what things are usually included in the regular maid service cost:
• Dusting of all rooms, including the furniture, window ledges, and each room is vacuumed.
• In the kitchen, the things that will be cleaned include the sink, appliances, counters, tables, chairs, and dishes will be washed.
• In each bathroom, the maid service will include cleaning the toilets, mirrors, sinks, shower, tub, and exterior of the cabinet.
• Throughout the house, all floors will be swept, mopped, and vacuumed.
Beyond such typical services that are included in basic maid service rates, there are additional services you can choose to pay for. You may not want them on a regular basis, but opting for them once every few months may be ideal. These options, in addition to others, are usually available for an additional charge and include such services as a deep spring cleaning, stain removal, holiday cleaning, after party cleaning, washing baseboards, etc.
Choosing a Maid Service
While maid service rates are important, they are not the only issue that you should consider when choosing a maid service for your cleaning. It is also important to consider such things as the reputation of the maid service, if they are experienced, bonded, trustworthy, insured, and what type of cleaning services they specialize in. For example, some companies offer green or natural cleaning services. You need to know what the maid service offers and how they go about hiring the maids that will be coming into your home.
Start out by getting referrals from friends who have companies they have good experience with. Inquire, if they don’t mind disclosing, what maid service rates they paid and what service was included. Meet and interview several maid service companies before choosing one. Be sure to get in writing what all their maid service cost includes. Once you have narrowed down your options and researched the companies, it’s time to make a selection.
What’s it Worth
If you are skeptical about hiring a maid service, know that it is not a commitment you are making that will last forever. It is something you can try and then back away from if you decide it is not what you thought it would be or if you feel you can’t afford the maid service rates.
Most people who have a company clean their home find that it is well worth the maid service cost. You really have to stop and consider what your time is worth and then decide if it is worth the amount you are paying to the maid service. Chances are you, like millions of others, will find that it is worth every penny!