Build up your modelling reference library

The best modeller in the world is only as good as his references; without information, you are helpless. So cultivate the habit of grabbing reference wherever you see it. Never let a magazine or colour supplement get thrown in the garbage in your house without checking it first. All this stuff is ‘free’ – grab it and file it.

In an Auto Accident Fault Determination is Regulated

Town of Mono, ON (Mono Community Policing)
With auto accidents, someone is always determined to be “at-fault”, either partially or fully. Here’s why:Insurance companies—guided by provincial law called the Insurance Act and its Fault Determination Rules—must assess the degree of fault to be assigned to each driver, to determine the type of property damage coverage that applies to the accident. Fault is also used by insurance companies to determine future rates for the at-fault driver(s).To get a better understanding of fault assessment, take a look at the most frequently asked questions on the subject, answered by the Financial Services Commission of Ontario (FSCO), the regulator of the auto insurance industry in Ontario:

Q: Can fault in an auto accident be shared?
A: Yes. The circumstances may show that more than one driver was partially at-fault for insurance purposes.

Q: How does an at-fault accident affect me?
A: It’s a matter of degree. A driver can be anywhere from 100 percent to zero percent at-fault, but if it’s anything more than zero percent, it will put an “at-fault accident” on your insurance record, and your rates will likely go up.
Important: Did you know that when you lend your vehicle to someone, you are also lending your insurance? If that person has an at-fault accident, it will go on your insurance record, and it will be your insurance rates that will go up.

Q: How do police charges or convictions affect an insurance company’s decisions?
A: Police charges are a significant factor, but if you are charged with an offence, you will not necessarily be found at-fault for insurance purposes. Similarly, if the police don’t file charges, it does not necessarily mean that the insurance company review won’t find one or more of the drivers at-fault. Drivers are individually assessed under the Fault Determination Rules.

Q: What should I do if I disagree with the decision of my insurer?
A: Speak to the claims adjuster handling your file and ask which Fault Determination Rule has been applied to your case. Generally, an insurance company will only revise or reconsider its decision on fault if new and relevant information is provided. If you still disagree with your insurance company, contact the company’s complaint officer, who will guide you through the complaint-handling procedures.

More information on auto insurance and the Fault Determination Rules is available online at http://www.fsco.gov.on.ca where you can download the brochure After an Auto Accident: Understanding the Claims Process.

credit: www.newscanada.com

Provincial Constable A.L. Buck, OPP Dufferin Detachment
Phone: (519) 925-3838

<< DON’T DRINK AND DRIVE!! >>

James Doan
Chairman
Mono Community Policing Committee

Timers for interior lights

If you’re going away on vacation, put timers on your interior lights. Look for timers that stagger when your lights go on from day to day. This will prevent a pattern from being established. From the sidewalk your home will look occupied, encouraging burglars to move on without trying to break in.

For more information on improving your home or business security, visit:

Civic Holiday long weekend — Safe Travel Begins With You

Orillia, ON (OPP – Dufferin Detachment)
As we prepare to embark on the Civic Holiday long weekend (July 31 to August 3, 2009), the Central Region of the Ontario Provincial Police (OPP) will be operating Safe Travel Enforcement Initiative. Extra officers will be working to ensure that this weekend will be like every other weekend and hopefully filled with positive family memories. This can be accomplished if everyone makes safe travel part of their plans.

To ensure that this long weekend begins and ends safely, the public is being reminded to be respectful of the laws which govern travel on our roads, waterways and trails.

The OPP, through Vision 2010, is committed to making our roadways, waterways and trail systems the safest in North America. Chief Superintendent Mike Armstrong, Regional Commander of Central Region has said “our officers are always visibly present and are committed to our safety based initiatives and this weekend will be no exception. We will be looking for seatbelt, helmet and personal flotation compliance along with keeping motorists within the posted speed limits of our area roadways.”

Chief Superintendent Armstrong has further stated that “impaired operation of any type is not only unacceptable, but is something that the officers from Central Region are diligently working to reduce through spot checks and R.I.D.E. (Reduce Impaired Driving Everywhere) initiatives each and every day”.

This week, as you plan for the upcoming long weekend, the Ontario Provincial Police (OPP) is asking that you pack some patience as travel on area roadways will significantly increase as the weekend approaches. Keeping your speed within the posted speed limits, increasing the distance between your vehicle and the one travelling ahead of you and properly wearing your seatbelt can help make this weekend a safe weekend.

Contact:   Provincial Constable Peter Leon
Phone:     (705) 329-7414

Attract customers with a change in flooring

Try using  a different type of flooring to attract customers to a certain section of your shop. This can be a far corner that is not a high traffic area. Shoppers are attracted to different flooring in a shop.