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Ford, Porsche, Cadillac, and now Volvo are among the carmakers giving drivers the option of a subscription. The biggest difference is the time frame: Rather than being tied to a years’ long lease, subscriptions give you the ability to “own” a car on a month to month basis. You could theoretically not have a car for 10 months of the year when you’re working and using public transit and then get a car subscription for two months when you’ll be traveling more often. These subscription plans include insurance, saving the time and headache of hunting for a policy yourself. Also unlike a lease: You may not have the option to buy your car at the end of your term. “Car subscriptions” appear to be a clear bid to garner favor with tech savvy millennials in busy metropolitan areas—a demographic that was erroneously pegged as avoiding car ownership amid the myriad things millennials have killed. Most millennials, as it turns out, don’t always want to rely on Uber and public transit for their travel needs. Still, a subscription model—less commitment than a purchase, but more convenient than a car rental service like Zipcar—could fit the bill for drivers teetering on the edge of abandoning car ownership, or ones who can’t quite afford the car of their dreams. Ford’s car subscription service is called Canvas. On its website, it outlines the car subscription process. First, you choose a car—in its case, a pre owned vehicle less than three years old—and then you choose a monthly mileage package ranging from 500 miles to unlimited.

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Wickert is an insurance trial lawyer and is regarded as one of the world’s leading experts on insurance subrogation. He is the author of several subrogation books and legal treatises and is a national and international speaker and lecturer on subrogation and motivational topics. Mr. Wickert is also a politician in Wisconsin, serving his ninth term as Town Supervisor in the Township of Cedarburg. After 15 years as the youngest managing partner in the history of the 30 lawyer Houston law firm of Hughes, Watters and Askanase, L. L. P. , he returned to his native Wisconsin in 1998 and co founded the firm of Matthiesen, Wickert and Lehrer, S. C. He oversees a National Recovery Program that includes a network of contracted subrogation law firms in all 50 states, Mexico, Canada, and the United Kingdom and boasts recoveries of nearly $1 billion in recoveries and credits for more than 250 insurance companies. Gary Wickert is also a commercial fiction author and his political thriller, Dark Redemption Tudor Publishing, is available on in both Texas and Wisconsin, Mr.

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Insurance appraisal is a contractually agreed process for resolving a disagreement between the insurance carrier and the policyholder about the amount of a loss under an insurance policy. Appraisal clauses have been a feature of insurance policies in Texas for well over a century. Old Texas cases were uniform to the effect that appraisal was a method to establish the “amount” of the loss under circumstances where coverage was not in dispute, but a recent line of cases has allowed insurers to escape liability for breach of contract, attorneys’ fees, statutory and common law “bad faith,” and even liability under . Insurance appraisal is a contractually agreed process for resolving a disagreement between the insurance carrier and the policyholder about the amount of a loss under an insurance policy. Appraisal clauses have been a feature of insurance policies in Texas for well over a century. Old Texas cases were uniform to the effect that appraisal was a method to establish the “amount” of the loss under circumstances where coverage was not in dispute, but a recent line of cases has allowed insurers to escape liability for breach of contract, attorneys’ fees, statutory and common law “bad faith,” and even liability under . In recent times, the aquaculture industry has experienced dramatic growth. The growth of the industry is a direct result of an increase in demand for seafood, and a decrease in supply from wild fisheries. The industry, however, is also experiencing growing pains. Aquaculture species, compared to their wild counterparts, are at a higher risk of catastrophic loss from a variety of different perils. These perils make investment in the aquaculture industry significantly risky.

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