How car insurance works Your car insurance rates aren’t an accident. They take into consideration many car insurance factors. Car insurance companies look into just simply the amount coverage you would like to buy, then calculate just simply the amount to charge you driven by likelihood It‘ll need to pay that amount. Whenever you compare auto insurance quotes, you‘re supplying the knowledge the carriers got to conduct the math. Each question represents a method to gauge potential risk. Are car insurance rates set by law? How is my car insurance rate set? Why do car insurance companies have such different rates? What affects the auto insurance quotes I receive? What factors affect car insurance rates most? Are car insurance rates set by law? Yes and no. Car insurance rates are regulated from the states, but so long as companies observe state laws, they‘re liberated to charge whatever they wish. State laws be certain that a company charges a similar rates to drivers who fit a similar risk profile. Another company may charge you a smaller amount, or a lot more, however it, too, must offer same rates to all drivers with pose an identical risk. Insurance companies are prohibited from using certain characteristics in setting their rates, for example race and religion. California, Hawaii and Massachusetts prohibit use of your respective credit information, among others don’t allow companies to penalize you based in your age or your gender. All states set minimum levels of liability insurance coverage. Some require which you buy uninsured motorist coverage. Some make medical payments coverage mandatory. These financial responsibility laws be certain that drivers who inflict injuries on others possess a means to pay out, and those people who are injured have coverage if another driver doesn‘t. Your lender may require which you buy comprehensive and collision coverage to guard your car from physical damage, but states don‘t. How is my car insurance rate set? Whenever you submit a credit card applicatoin for car insurance, you‘re sorted first into an individualized group – say, married drivers with your ZIP code over age 25. Once your customized group is determined, the insurance company calls in the pricing information for the group. It adjusts for just about any negative factors, for example recent traffic violations or perhaps a pattern of claims. It considers the worth of the car you‘re insuring and also the frequency of claims its owners file. Finally, any discounts you be eligible for a are subtracted coming from the price, and also your quote is returned. The math is performed behind the scenes consistent with an algorithm that weighs each risk factor – each bit of data you or your agent enters straight into the system. If you choose to purchase a policy, your quote information goes via a verification process called underwriting. The corporate pulls your driving record and people of anyone else listed upon the policy. It‘s your claims history. It matches your automobile identification number to ensure It‘s the correct model. If the corporate finds an error, It‘s the ideal, within a particular time period, to provide you with a new rate or to cancel the policy. Why do insurance companies have such different rates? Each company has a variety of basic rate groupings and can also set different prices for all those groups, basing its estimate of risk on the amount and value of claims that group has filed during the past. Then the corporate applies its own surcharges and discounts depending on factors specific to some particular driver. Which means car insurance rates can vary considerably in one company to another. An Insurance. com survey of data from six major insurance companies in each and every U. S. ZIP code found the typical difference involving the cheapest and least expensive quotes for a similar driver and car (a 40-year-old homeowner having a clean record buying full coverage on a brand new Honda Accord having a $500 deductible and 100 / 300 / 50 liability limits ) was $1, 144. The large gap between companies is why step one toward cheaper car insurance is comparing quotes, then taking a look at discounts, deductibles and coverage changes. In high-cost states, for example Michigan, California and Louisiana, the difference could be much greater. In low-cost states for example Maine or Ohio, the differences tend to become smaller. What affects the auto insurance rate quotes I receive? Counting on state laws, which could restrict the kind of information an insurance company may use, these factors will often affect your rates : Who you are as a new you : Age, gender, marital status, ZIP code, quantity of years you’ve been licensed, homeownership, occupation, education as well as grades Your record : Accidents, traffic violations, insurance history, credit history, past claims of types What and just how you drive : Owned or financed, current value, annual mileage, claims record for many owners of the model, anti-theft devices and safety features, whether you employ the car for business Just simply the amount coverage you would like : Liability (from minimum levels as much as $500, 000 or even more ), whether you choose comprehensive and collision (both of which carry a deductible that influences their final cost ), medical payments, uninsured motorist, or extras for example rental reimbursement or towing. Which factors affect car insurance rates most? While each car insurance company decides by itself how heavily to weigh a rating factor, clear patterns are evident. For many drivers, these factors are likely to influence rates most : Your ZIP code. Even though you have never filed a claim, your rate can increase dramatically just by moving in one ZIP code to a different. Your age. Drivers with lower than 10 many years of experience pay more. The less experience you‘ve, the worse the penalty. Brand-new drivers will pay a further surcharge on surface of that. Your driving record. Claims are likely to make a difference greater than speeding tickets do. Greater than one among either is bad news, and thus is really a major violation say for example a DUI. Your credit. Insurance companies point to numerous studies that correlate poor credit scores with higher amounts of claims. The flip side : Once your credit improves, your rates should decrease. Your previous insurance coverage. If you‘re not currently insured, you‘re prone to pay much higher rates for a minimum of your first term.
Islam mengatur umatnya dalam segala aspek kehidupan. Merespons banyak pertanyaan tentang waktu-waktu terlarang untuk berhubungan intim antara suami istri dalam Islam. Di bawah ini beberapa waktu terlarang tersebut.
1. Siang Hari Saat Berpuasa
Adapun pada siang hari di bulan puasa Ramadhan, maka telah jelas ada larangan untuk menyetubuhi istri. Sebagaimana tersebut di hadits Abu Hurairah riwayat Muslim (1111) bahwasanya seorang lelaki mendatangi Nabi shallallahu alaihi wa sallam dan berkata: "Celakalah aku, wahai Rasulullah!"
Nabi bertanya: "Apakah yang telah mencelakakanmu?"
Lelaki itu menjawab: "Aku telah menyetubuhi istriku di (siang hari) bulan Ramadhan."
Lalu Rasulullah shallallahu alayhi wa sallam menanyakan kesanggupannya untuk membayar kafarah bersetubuh di siang hari bulan Ramadhan. Adapun pada malam harinya, maka hal ini diperbolehkan berdasarkan firman Allah di surat Al Baqarah ayat 187 yang berbunyi:
"Dihalalkan bagi kalian pada malam hari bulan puasa bercampur dengan isteri-isteri kalian. Mereka adalah pakaian bagi kalian, dan kalianpun adalah pakaian bagi mereka. Allah mengetahui bahwasanya kalian tidak dapat menahan nafsu kalian, karena itu Allah mengampuni kalian dan memberi maaf kepada kalian. Maka sekarang campurilah mereka dan ikutilah apa yang telah ditetapkan Allah untuk kalian."
2. Saat melakukan ibadah haji
Selain ketika berpuasa, seseorang juga dilarang menyetubuhi istrinya pada saat melakukan ibadah haji. Dalilnya adalah firman Allah di surat Al Baqarah ayat 197:
"(Musim) haji adalah beberapa bulan yang dimaklumi. Barangsiapa yang menetapkan niatnya dalam bulan itu akan mengerjakan haji, maka tidak boleh berbuat rafats (berkata yang menimbulkan syahwat atau bersetubuh), berbuat fasik, dan berbantah-bantahan di dalam masa mengerjakan haji."
Larangan ini berlaku sampai dia selesai menunaikan tahallul kedua yaitu thawaf ifadhah. Apabila dia selesai melakukan tahallul kedua ini maka dia diperbolehkan melakukan hubungan suami-istri kembali.
3. Ketika Beritikaf di Mesjid
Saat itikaf merupakan salah satu saat yang dilarang bagi suami dan istri untuk bersetubuh. Dalilnya adalah firman Allah taala:
"Janganlah kalian mencampuri mereka sedangkan kalian sedang beritikaf di dalam mesjid." [QS Al Baqarah: 187]
4. Suami Menzhihar Istrinya
Selain itu, ketika seorang suami menzhihar istrinya, terlarang bagi dia untuk menyetubuhi istrinya sampai menunaikan kafarah zhihar berupa pembebasan budak, atau puasa dua bulan berturut-turut bila tidak mampu, atau memberi makan enam puluh orang miskin. Allah taala berfirman:
"Orang-orang yang menzhihar isteri mereka, kemudian mereka hendak menarik kembali apa yang mereka ucapkan, maka (wajib atasnya) memerdekakan seorang budak sebelum kedua suami isteri itu bercampur. Demikianlah yang diajarkan kepada kalian, dan Allah Maha mengetahui apa yang kalian kerjakan. Barangsiapa yang tidak mendapatkan (budak), maka (wajib atasnya) berpuasa dua bulan berturut-turut sebelum keduanya bercampur. Maka siapa yang tidak mampu (wajiblah atasnya) memberi makan enam puluh orang miskin. Demikianlah supaya kalian beriman kepada Allah dan Rasul-Nya. Itulah hukum-hukum Allah, dan bagi orang kafir ada siksaan yang sangat pedih." [QS Al Mujadilah: 3-4]
Men-zhihar adalah ucapan seorang suami kepada istrinya dengan tujuan untuk mengharamkan dirinya menyetubuhi istrinya dengan menyamakan seperti haramnya dia menyetubuhi ibunya sendiri.
5. Saat Haid dan Nifas
Begitu juga ketika haid dan nifas, sebagaimana firman Allah di dalam surat Al Baqarah ayat 222 :
"Mereka bertanya kepadamu tentang haidh. Katakanlah: Haidh itu adalah suatu kotoran, oleh sebab itu jauhilah wanita di waktu haidh. Janganlah kalian mendekati mereka, sebelum mereka suci. Apabila mereka telah suci, maka campurilah mereka itu di tempat yang diperintahkan Allah kepada kalian. Sesungguhnya Allah menyukai orang-orang yang bertaubat dan menyukai orang-orang yang mensucikan diri."
Buat lebih berguna, kongsi:
