5 best and worst states for car insurance costs – CBS News, lowest car insurance rates by state.

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5 best and worst states for car insurance costs

The summer driving season is fast approaching, which is great news if you’re planning a road trip. But summer is also the busiest season when it comes to auto insurance claims, so now might be a good time to make sure that your coverage is up to date. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of car insurance nationwide was $815 in 2012.

At the same time, insurance premiums fluctuate widely by state, due to factors such as rural vs. urban drivers, percentage of uninsured drivers, local cost-of-living figures and hazardous weather conditions.

To get a closer look at state-by-state insurance costs, InsuranceQuotes.com has just issued a report measuring average premiums using information from the largest insurance carriers in each state. It also created an “average” driver: someone who is employed and who drives a 2012 sedan, has a bachelor’s degree, an excellent credit score and no lapse in insurance coverage.

Most expensive: #5 Louisiana

Insurance premiums for drivers residing in the Bayou State are 33 percent above the national average. Much of Louisiana is rural, which means lower crime rates, fewer cars, less congestion and fewer accidents. But Mike Barry, a spokesman with the nonprofit Insurance Information Institute, pointed out that the state ranks high when to comes to natural disasters like hurricanes, which can damage vehicles through flooding, falling trees or debris thrown by high winds.

Most expensive: #4 Delaware

Delaware residents have auto insurance premiums that cost 41 percent above the national average. CarInsurance.com points out that he state has low liability requirements for personal, bodily injury and property damage insurance. It’s also near the bottom of the national list when it comes to auto thefts by state.

But Delaware has a relatively dense population. It’s also in close proximity to two of the worst cities in the nation when it comes to auto crash rates: Washington, D.C., and Baltimore, Maryland — which might also play a factor.

Most expensive: #3 New York

The Empire State’s auto insurance premium rates are 42 percent above the national average. The metro New York City region has some of the highest population densities in the nation, so it’s no surprise it also has high rates of auto theft and collisions. Residents of New York City’s borough of Brooklyn have the second-highest car insurance premiums in the nation (Detroit is first). In fact, residents of one particular Brooklyn ZIP code pay 151 percent more than the average premium payment elsewhere in the state.

But some other factors may be at play. The Insurance Information Institute’s Mike Barry said Metro New York is still dealing with the aftermath of Superstorm Sandy in 2012, “and the claims made on flooded vehicles could still be affecting prices today.”

Most expensive: #2 Rhode Island

It may be the smallest state, but Rhode Island has some of the biggest auto insurance premium costs in the nation. They’re 45 percent above the national average. The state capital of Providence is one of the top cities in the nation when it comes to auto collision rates. And about 15 percent of the cars on Rhode Island’s roads are uninsured, driving up rates for people who do have insurance.

Most expensive: #1 Michigan

What’s up with Michigan? The average annual cost for an auto insurance policy in the state is an astounding 136 percent above the national average.

According to InsuranceQuotes.com, a couple of factors are involved.

“Michigan is the only state where car insurance includes unlimited lifetime personal injury protection, so that’s a major reason why car insurance is so expensive in Michigan,” Laura Adams, the company’s senior analyst, said in a press statement.

“Since younger people are injured more frequently in auto accidents than older drivers, the cost of covering a lifetime of medical expenses could easily climb into the millions-of-dollars range,” added Lori Conarton, communications director for the Insurance Institute of Michigan.

Another issue is the unusually high number of Michigan drivers without insurance. InsuranceQuotes.com said some estimates say around half of the drivers in Wayne County, where Detroit is located, don’t have auto insurance. No surprise, then, that coverage in Wayne County costs 45 percent more than Michigan’s statewide average.

Least expensive: #5 Wisconsin

Being a mostly rural state means fewer cars and less traffic, and that has helped Wisconsin keep its auto insurance costs 28 percent below the national average. While rates in the state’s biggest city, Milwaukee, are the state’s most expensive and nearly twice what most Wisconsin drivers pay, the state capital of Madison is one of the best cities in the country when it comes to low auto collision rates.

Least expensive: #4 Maine

Maine’s relatively small and mostly rural population allows auto insurers to keep costs 33 percent below the national average

“We have few large urban areas so we have lower overall traffic problems, and we don’t have hailstorms or tornadoes,” Jeffrey McDonnell, president of the Maine Insurance Agents Association, recently told Insure.com. McDonnell also noted that Maine has one of the highest rates of insured drivers in the U.S., “so we have more people sharing the risk.”

Maine was recently listed as the least expensive state when it came to insuring 2015 editions of the top 20 best-selling vehicles. The state also has one of the lowest motor vehicle theft rates in the U.S.

Least expensive: #3 Ohio

Being a partially rural state is just one factor that has helped keep Ohio auto insurance rates 33 percent below the national average. But intense competition among the state’s insurance companies is certainly another. Insure.com, quoting state data, says over 670 auto insurance carriers do business in the state, which is second only to Illinois.

“Ohio continues to be a strong advocate for its citizens and has a strong insurance department that stays on the forefront as times are changing,” Jeannine Giesler, president of the Professional Independent Agents Association of Ohio, told the website. “It’s possible to get from independent agents rates that are very competitive.”

Least Expensive #2: Idaho

With its car insurance rates 37 percent below the national average, Idaho has the least expensive car insurance in the Western U.S. A recent Insure.com study said the average premium in Idaho is about half of what a driver would pay in Montana and several hundred dollars lower than the average rate in Oregon.

Being a mostly rural state certainly keeps down those auto insurance rates. However, Insure.com also noted that only about 7 percent of Idaho drivers are uninsured, compared to the national average of around 13 percent.

Least expensive: #1 North Carolina

Leading the list with the least expensive car insurance in the nation, North Carolina has premium costs 41 percent below the national average. The Tar Heel State has some obvious advantages.

As InsuranceQuotes.com points out, it’s mostly rural. But as North Carolina’s insurance commissioner says on the state’s Department of Insurance website, the state also “sets a cap on car insurance rates, and insurance companies compete by offering discounts below the established cap.”

In fact, the competition to sell insurance for the lowest auto premiums is intense. According to InsuranceQuotes, North Carolina insurers offer more than 2,000 different types of auto insurance discounts, “an uncharacteristically high number.”

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  • Washington Car Insurance – Quotes, Coverage – Requirements, insurance quotes washington state.

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    Car Insurance in Washington

    Washington state car insurance laws are written to make sure you are able to pay for injuries or damages after a car accident.

    Read more to learn about WA car insurance laws, programs, rates, and discounts.

    Car Insurance Requirements

    To fulfill Washington’s mandatory auto insurance law, you must carry liability insurance to help pay for property damage or injuries resulting from a car accident that you cause.

    Your liability car insurance must have the following minimums:

    Optional Car insurance

    While Washington auto insurance laws only require you to have liability auto insurance coverage, there are several optional coverage types that can help further protect you financially.

    Most WA car insurance companies offer the following types of optional coverage:

    • Collision – Helps cover accident-related damages to your car.
    • Comprehensive – Helps cover non-collision related damages to your car, such as those resulting from theft or vandalism.
    • Uninsured/underinsured motorist – Helps pay for your own injuries or property damage if you are involved in a car accident caused by an uninsured driver or a driver whose insurance is insufficient to cover your costs.

    NOTE: As part of your loan or lease agreement, you may be required to purchase collision and comprehensive coverages for your financed or leased car.

    Personal Injury Protection

    Personal injury protection (PIP), or no-fault car insurance, will help pay for certain costs after a car accident, regardless of who caused the accident.

    PIP will help pay for your:

    While you are not required to carry PIP in Washington, car insurance companies are required to offer PIP to you.

    If you decide to reject the PIP option, you must do so in writing.

    Washington Proof of Insurance

    Washington officials mainly monitor car insurance status via traffic stops.

    If you are pulled over by a police officer, you are required to show your proof of insurance upon request.

    Your insurance card, issued to you by your insurance carrier, acts as your proof of insurance.

    Car insurance cards must include:

    • The name of your car insurance company.
    • Your policy number.
    • Effective date of your policy.
    • Expiration date of your policy.
    • Year, make, model of your car.

    You will be issued an insurance card every time you buy a new policy or renew your policy. Make sure to carry your most current card with you.

    Insurance Violations and Penalties

    If you are caught without your proof of insurance, you are subject to a fine.

    If you had a valid insurance policy at the time of a traffic stop but were unable to show your insurance card, you may present the court with proof that you were insured at the time of the violation before your court date to have your charges removed. You may still have to pay a court-processing fee of $25.

    If you are caught driving without car insurance, you face a minimum fine of $450.

    WA Car Insurance for High-Risk Drivers

    Drivers who are considered high-risk because of past traffic violations or accidents may have a difficult time finding car insurance companies willing to cover them, and may have to take extra steps to comply with Washington auto insurance laws.

    Washington Automobile Insurance Plan

    While all drivers must be insured, Washington car insurance companies do have the right to deny coverage to drivers they feel are high-risk.

    If you are unable to find a car insurance carrier, you may apply for coverage through the Washington Automobile Insurance Plan.

    Through the plan, WA car insurance companies share the risk of covering high-risk drivers.

    Washington is one of many states that comprise the Western Association of Automobile Insurance Plans (WAAIP), which acts as a processing center for the various state plans within the association.

    Insurance rates through the plan are generally much higher than standard policy rates. It’s smart to continue to shop for car insurance through the standard market.

    To learn more about how to apply for car insurance through WAAIP, visit the WAAIP website.

    SR-22 in Washington

    Certain violations may require you to file proof of financial responsibility known as an SR-22 certificate, sometimes referred to as SR22 insurance.

    You may be required to file an SR-22 if you:

    • Have had your driver’s license suspended.
    • Have been convicted of certain offenses.
    • Failed to pay judgment fines.
    • Driven or owned a car involved in an accident.

    In most cases, you must maintain your SR22 filing for 3 years.

    Many insurance providers can file SR-22s for their clients; however, some carriers don’t offer this service. You may be required to shop for a car insurance provider that does file SR-22s.

    Car Insurance Regulation

    Since car insurance can be complex, Washington has various programs meant to help consumers with various car insurance issues.

    The Office of the Insurance Commissioner

    If you have a question or concern about your insurance policy or provider, you can get help from the Washington State Office of the Insurance Commissioner (OIC).

    • Help you understand your policy.
    • Determine if your insurance company violated the terms of your policy.
    • Help your insurance company and you communicate with each other.
    • Recommend places or programs that can better help you.
    • Review a complaint and help facilitate a resolution.
    • Give you legal advice.
    • Make medical judgments.
    • Determine who was at-fault in a car accident.
    • Determine the value of a claim.
    • Establish the facts in a case.
    • Force an insurance company to make a payment on a claim or refund you money if they have not broken the law.

    For more information, you can contact the OIC by calling (800) 562-6900.

    Car Insurance Fraud

    Handling car insurance fraud costs car insurance companies large sums of money every year. Those costs get passed down to you in the form of higher premiums.

    Common forms of car insurance fraud include:

    • Staging car accidents.
    • Falsifying or exaggerating injuries.
    • Falsifying or exaggerating the extent of property damage.

    If you suspect insurance fraud, you can report it to the OIC by filling out their online form.

    Determining Your Insurance Rates

    Several factors go into determining the price of your car insurance premium.

    When shopping for car insurance, most car insurance companies will factor in the following to determine your rates:

    • Driving record.
    • Credit history.
    • Age.
    • Gender.
    • Marital status.
    • Your car’s:
      • Make.
      • Model.
      • Year.
    • History of insurance claims.
    • Deductibles:
      • This is the amount you are responsible for paying towards a claim.
      • The higher your deductible, the lower your premium.

    WA Car Insurance Discounts

    A great way to save on car insurance is to take advantage of discounts. When comparing car insurance quotes, ask about any discounts for which you may be eligible.

    Most Washington car insurance companies offer the following discounts:

    Taking advantage of discounts is a great way to get affordable car insurance rates. However, the best way to maintain low-cost Washington car insurance is to keep a clean driving record that reflects safe and violation free driving.

    Most Stolen Cars in Washington

    If your car is a common target for theft, you may have to pay higher car insurance rates.

    The following is a list of Washington’s most stolen cars in 2013, according to www.nicb.org:

    1. Honda Accord.
    2. Honda Civic.
    3. Subaru Legacy.
    4. Ford Pickup (Full Size).
    5. Acura Integra.
    6. Toyota Camry.
    7. Chevrolet Pickup (Full Size).
    8. Jeep Cherokee/Grand Cherokee.
    9. Nissan Sentra.
    10. Chevrolet Pickup (Small Size).

    Washington State Auto Insurance Reviews: Complaint Ratings for 40 Leading Companies – Auto, Home, Life Insurance Reviews – Shopping TipsAuto, Home, Life Insurance Reviews – Shopping Tips, auto insurance companies in washington state.

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    Auto, Home, Life Insurance Reviews Shopping Tips

    Auto insurance companies in washington state

    Post navigation

    Does your auto insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Do you know if your company is good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 40 Biggest (by Washington market share) auto insurance companies, and rate them based on their 2010 Washington complaint record (2011 complaint data not available yet). Find out the best worst companies.

    The Washington State Office of the Insurance Commissioner website is the source of my information about market share complaint information. I provide the Washington complaint index for each car insurance company, but I devised a letter grade system to make it easy to tell an insurance company with a great or good complaint record, from an insurance company with a poor or average complaint record.

    Your state s complaint index should be more important to you, since an auto insurance company performing well nationwide may have problems locally, but you go to my website to see national complaint ratios, as well as JD Power AM Best ratings, on the major auto home insurance companies.

    Here is my grading system. I also list the Washington complaint index number (the lower the number the better the complaint record).

    A+ = Insurance companies with complaints 25% or less than the average insurance company.

    A = Insurance companies with complaints 50% or less than the average insurance company.

    B = Insurance companies with complaints 90% or less than the average insurance company.

    C = Insurance companies with complaints from 90% to 110% of the average insurance company.

    D = Insurance companies with complaints from 110% to 200% of the average insurance company.

    F = Insurance companies with complaints over 200% of the average insurance company. More than twice as much as average!

    Consider these grades, along with price and other factors (as listed on my website), when choosing an auto insurance company.

    Insurance companies frequently have several subsidiary auto insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.

    40 Top Auto Insurance Companies Rated by their 2010 Washington Complaint Ratings (Listed Alphabetically)

    Allstate Fire Casualty Insurance Company = B (.76727)

    Allstate Indemnity Company = D (1.42920)

    Allstate Insurance Company = B- (.8817)

    Allstate Property Casualty Insurance Company = B- (.89097)

    American Commerce Insurance Company = F (2.30012) (American Commerce Insurance is sold through AAA offices across Washington)

    American Family Mutual Insurance Company = D (1.61346)

    Amica Mutual Insurance Company = B (.69789)

    Country Mutual Insurance Company = C (.94468)

    Country Preferred Insurance Company = B (.58359)

    Esurance Insurance Company = B (.70597)

    Farmers Insurance Company of Washington = C (.93670)

    First National Insurance Company of America = A (.47645)

    Geico General Insurance Company = C (1.00740)

    Geico Indemnity Company = D+ (1.11110)

    Government Employees Insurance Company (A Geico company) = C (.96852)

    Hartford Casualty Insurance Company = D- (1.98007)

    Hartford Underwriters Insurance Company = D (1.68658)

    IDS Property Casualty Insurance Company = C (1.01200)(IDS is part of Ameriprise insurance, and sells auto insurance directly to the public and through Costco).

    Liberty Mutual Fire Insurance Company = B- (.88006)

    Metropolitan Casualty Insurance Company (A Metlife company) = B (.80596)

    Mutual of Enumclaw Insurance Company = B (.59252)

    Nationwide Agribusiness Insurance Company = B (.84498)

    Nationwide Insurance Company of America = D (1.25995)

    Pemco Insurance Company = B (.70317)

    Pemco Mutual Insurance Company = A (.43306)

    Progressive Casualty Insurance Company = B (.82489)

    Progressive Direct Insurance Company = B- (.89324)

    Progressive Max Insurance Company = B (.75766)

    Progressive Northwestern Insurance Company = D (1.20693)

    Property Casualty Insurance Company of Hartford = F (2.39469) (Part of the Hartford Insurance Group)

    Safeco Insurance Company of Illinois = B (.68139)

    State Farm Fire Casualty Company = B (.85428)

    State Farm Mutual Automobile Insurance Company = B (.66959)

    Travelers Home Marine Insurance Company = D+ (1.11757)

    Twin City Fire Insurance Company = D (1.66510)

    Unigard Insurance Company = A (.42880)

    Unitrin Auto Home Insurance Company = C (1.02630)

    *USAA (United Services Auto Association) = A- (.48731)

    *USAA Casualty Insurance Company = B (.76332)

    *USAA General Indemnity Company = B (.61610)

    *USAA sells only to the military, their immediate family members, and honorably discharged veterans.

    Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don t check the rates of enough companies. For a lot of people, the best auto home insurance companies are the ones with the coverage they need at a lower price. With auto home insurance, you don t get better service or coverage because you pay more. Some of the best companies have competitive rates. Some companies charge twice as much as others for the same coverage. But no single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

    Do you have any questions or commentary about these ratings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.


    Auto Insurance Requirements in Washington State, washington state auto insurance. #Washington #state #auto #insurance


    Auto Insurance Requirements in Washington State

    Like others in the country, the state of Washington requires that every automobile on the road have liability coverage via car insurance. However, there are a few rules that make Washington distinct from other states.

    If you’re a Washington-licensed driver, you must provide some kind of liability coverage on your automobile. This is so everybody involved in an accident is appropriately, fairly covered if they are not at fault.

    Washington is distinct in that they offer multiple options for insurance coverage. For licensed drivers in Washington, some may be more rational than others, but they nonetheless have more than one option to choose from:

    • Auto insurance
    • Self insurance
    • Certificate of deposit
    • Liability bond

    In regards to auto insurance, a Washington-licensed driver must have the following as bare minimum coverage:

    • $25,000 of bodily injury or death of 1 person in any single accident
    • $50,000 of bodily injury or death of 2 people in any single accident
    • $10,000 of property damage coverage in any single accident

    While comprehensive insurance isn’t mandatory, it’s nonetheless recommended in case you get in a more serious accident that requires major repairs and/or hospital bills.

    Other Forms of Automobile Coverage in Washington

    Aside from auto insurance, there are also other routes you can take to properly ensure you’re covered in case of accident.

    If you have at least 26 vehicles, you may qualify for self-insurance. You can find more information about this special type of insurance by contacting your local Department of Licensing office.

    A certificate of deposit is also an alternative avenue if you happen to have some cash lying around. Essentially a large sum of money held by the state in case of an accident, a certificate of deposit must be for at least $60,000. You can apply for one by filling out the Financial Responsibility Application and Affidavit and sending that in. Upon approval, you’ll be required to submit the Assignment of Monies or Securities for Financial Responsibility and any pertinent financial statements within 30 days.

    Similar to the certificate of deposit is a liability bond, which must be for at least $60,000 and filed by a state-authorized surety bond company.

    Penalties for Lack of Coverage in Washington

    Failure to show proof of coverage at an accident or when pulled over by a law enforcement officer is considered an infraction and can result in fines of up to $450. Even worse, knowingly providing false information at an accident is an automatic misdemeanor. These can quickly accumulate towards your driving record and potentially result in license suspension or even revocation.

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    New York Car Insurance Quotes – Auto Insurance – NY, car insurance in new york state.

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    New York Car Insurance

    Car insurance in new york state Car insurance in new york state Car insurance in new york state Car insurance in new york state Car insurance in new york state

    The state of New York sets minimum levels of automobile insurance coverage that every driver must buy to comply with the law.

    To be in compliance with the law, if you live in New York, you must buy the following levels of auto insurance:

    • Bodily injury liability insurance – $25,000 for bodily injury to one person; $50,000 for bodily injury to all persons.
    • Property damage liability insurance – $10,000 for property damage in any one accident.

    In addition, mandatory “no-fault” coverage of $50,000 is required.

    You can carry higher liability limits and additional personal injury protection and most motorists do.

    Insurance rates will vary depending on where in the state you live. Generally, rates are higher in New York City.

    The insurance coverage you buy must be obtained from a company that is licensed by the New York State Department of Financial Services. Out-of-state insurance is not acceptable.

    Driver education reduces premiums

    You may be able to reduce your auto insurance premiums by completing a state approved six-hour driver’s education course.

    If you are the principal driver of a motor vehicle, you will receive a minimum 10 percent reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years after completing the course. You can take the course in the classroom or online.

    Getting caught without insurance costly

    If the DMV learns you were involved in an accident and do not have auto insurance, you could lose your driver license and vehicle registration for at least one year. You could also lose your license and registration for at least one year if someone else driving your uninsured vehicle is involved in a traffic accident and is found to be operating without insurance.

    You might have to pay a court fine as much as $1,500 for driving without insurance or allowing someone else to drive your uninsured vehicle. You also might have to pay the DMV a civil penalty of $750 to get your license back.

    Your insurance company will issue you an ID card proving you have insurance. You should always carry the insurance ID card in your vehicle.

    When you insure your vehicle, your insurance company is required to file your coverage electronically with the Department of Motor Vehicles. Your insurance ID card alone does not prove you have coverage. New York state law requires both paper proof and electronic filing of coverage.

    New York’s graduated driver’s license program

    New York – like many other states – has adopted a graduated driver’s license program. You can apply for a learner’s permit when you turn 16 with a parent’s consent.

    To get your junior driver’s license, you will need to hold your learner’s permit for at least six months. During that time, you must:

    • Get at least 50 hours of driving experience, including 15 hours of driving after sunset
    • Or complete a driver’s education course or a pre-licensing safe driving course

    Once you are eligible and you pass the road test, you will be granted your junior’s license.

    A junior license comes with restrictions depending on where you live in the state. For example, if you live upstate, you will be allowed to drive after 9 p.m. for school or work but not if you live in New York City.

    When you’re 17 and if you have a certificate from a driver’s education course, you can upgrade to a standard license. Your license will automatically upgrade when you turn 18.

    If you hold a junior license and are driving, you may have only one passenger in your car who is not a family member.

    Also, no driver, no matter what age, is allowed to text or use a portable electronic device while driving in New York.

    Keeping track of teen drivers

    If you are parents or guardians of drivers younger than 18 years old, you can be automatically notified by mail should your child receive a traffic conviction, be involved in a reportable accident, or have his license suspended. You can enroll your child in the Teen Electronic Event Notification Service (TEENS) online.

    New to New York

    If you move to New York, you must apply for a New York State driver’s license within 30 days of becoming a New York state resident. You can exchange an out-of-state driver’s license as long as it has:

    • Your photograph
    • Has not been suspended or revoked
    • Has been valid for at least six months

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    New York Car Insurance from Nationwide, ny state car insurance.

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    New York Auto Insurance

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    New York Links

    Whether you’re commuting to the Big Apple, escaping to tranquil Saratoga Springs or road tripping to the Catskills, New York offers many exciting, world-renowned destinations. But before you head out again, know that Nationwide can offer dependable protection for you and your car anywhere in the Empire State.

    Before you get a quote, make sure to visit our New York Auto Coverage page to learn your state’s minimum coverage requirements.

    Take advantage of Nationwide’s features

    Nationwide makes it easy for you to find dependable auto insurance in New York. We can show you options so you can choose the coverage that’s right for your needs, goals and budget. Explore the features below to learn more about what we can offer you:

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    [1] Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling.

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    Homeowners Insurance Comparison

    Choosing the right insurance policy can be difficult and confusing. OPIC created this comparison tool to assist you with this decision.

    HOW TO USE THIS TOOL.

    Our comparison tool allows you to compare up to 5 different insurance policies. Here’s what to do:

    FIRST: Choose a company from the Company drop down menu.

    If you can’t find a homeowners company listed on the drop down menu, it may be because the company is a farm mutual company (such as Germania or Hochheim Prairie) or a surplus lines company. These companies are not required to file their policy forms with the Texas Department of Insurance (TDI).

    SECOND: Choose the policy you wish to compare from the Policy drop down menu.

    Some companies may offer more than one policy. If you are unsure of which policy to compare, ask an agent or company representative the name of the policy the company is most likely to offer you.

    THIRD: Click t he Show Comparison button.

    It s that simple. Our comparison tool will generate the results in an easy to read chart that allows you to compare each policy.

    THIS TOOL IS FOR COMPARISON AND INFORMATIONAL PURPOSES ONLY

    The results generated by this tool are for informational purposes only. Before purchasing a policy, please check with an agent or company representative to ensure the information provided by this tool is consistent with what the company is currently offering. Always refer to the actual policy language to determine the full extent of coverage under a policy.

    OTHER IMPORTANT INFORMATION YOU NEED TO KNOW.
    This Chart Provides a Summary of Your Policy Coverages

    The results generated by the comparison tool are based on the most recent information provided to OPIC by the Texas Department of Insurance. Every effort has been made to keep the information accurate and up to date. The comparison tool generates a summary of the coverages provided by the policies you selected. This summary is not a substitute for the actual policy language. Additionally, a policy may include other coverages not listed on the comparison tool. Always refer to the actual policy language to determine the full extent of coverage under a policy.

    Companies Can Endorse Their Policies

    Companies can add endorsements to your policy that alter the coverage provided by the base policy. If a company offers or requires an endoresment that affects the coverages displayed on the chart, those changes will be noted. However, since the comparison chart may not show all the coverage provided by a particular policy form, it is important for you to ask the agent or company if any endorsements will be added to your policy.



    Car Insurance Rates Mobile Form, state car insurance rates.

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    Car Insurance On-The-Go

    Comparing car insurance rates online is easier than ever with our handy new mobile app. You can still get the same benefit you get from the normal version of our site by entering your ZIP code above, which will allow you to compare specialized offers from major national insurance providers and local agents in your area. Gone are the days when you had to call one carrier after another – CarInsuranceRates.com has done all the heavy lifting for you! Just enter your ZIP code in the box above to see what our participating providers have in store for you.

    Expert Insurance Guides

    Need help picking the right options? Not sure what the various industry terms mean? We’ve got your back! CarInsuranceRates.com is chalk-full of helpful guides, useful tips, and article after article of informative information, complete with charts, checklists, and case study to help you make the best decision when selecting your policy type or end-provider.

    State-by-State Requirements

    Locality is one of the top factors that will influence what you can or can’t do with your car insurance policy. Laws, rules, and regulations changes all the time, and it’s our mission to try and keep you as up-to-date with pertinent information so you can make the right choice when selecting you coverage levels or provider.

    Ask a Question, Get an Answer

    Still need help getting to the bottom of your insurance situation? We have an easy-to-use library of questions-and-answers from current clients, with a wide range of solutions that even shocks us on occasion. No matter how obscure your query seems to be, don’t fret – we can help point you in the right direction of the information you need.

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    800 Fifth Avenue, Suite 4100, Seattle, WA 98104


    Cheapest Car Insurance in Washington, car insurance washington state.

    #Car #insurance #washington #state



    Car insurance washington state

    Car insurance washington state

    Are you overpaying?

    Comparison quotes are the cheapest way to save

    Car insurance washington state

    *rates based on survey data – Spring 2017

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    Cheapest Car Insurance in Washington

    The state of Washington sits in the northwestern-most corner of the contiguous United States, and it gets its Evergreen State nickname from the abundance of evergreen trees that make up its beautiful forests. With 62 percent of its population living in the Seattle area, the state s wilderness areas draw tourists to their wide open spaces. The North Cascades hold professional-grade ski resorts, the Olympic Mountains hold exotic rain forests and the foothills of the Blue Mountains boast an abundance of agriculture. With so many different climates in one state, there is no shortage of sights and sounds in this Pacific Northwest State. Drivers of all kinds come for the scenery, and giving them time to get out and experience it is the reason CheapCarInsurance.net has organized this list of the important car insurance facts and laws for the state.

    LAWS REGULATIONS

    Insurance laws and regulations are not only confusing, they are constantly switching and changing. After diligently hunting down all the facts and figures for Washington s driving laws, this list was developed into an easily-readable format containing everything necessary to safely drive in Washington.

    Washington s Minimum Requirements for Car Insurance

    Washington state has a Mandatory Insurance Law that requires drivers to purchase Liability Insurance and a Liability Bond. Each driver must also pay a deposit to the Washington State Treasurer.

    • Liability minimums:
      • $25,000 per individual.
      • $50,000 per injury traffic accident
      • $10,000 per traffic accident in which property was damaged.
    • Liability Bond minimum:
      • $60,000

    Failure to provide proof of insurance results in a citation.

    New Driver Licensing Requirements

    • The Washington State Department of Motor Vehicles (DMV) requires every new driver to practice driving prior to obtaining a regular driver license. Depending on the applicant s age, different requirements are needed.
    • Instruction Permit. Applicants who are enrolled in an approved driver education course may obtain their permit at age 15. Applicants not yet enrolled in a course may obtain their permit at age 15 years, 6 months. Completion of the knowledge test and the vision test is required for the application.
    • As long as the permit is valid, the applicant may drive with a licensed driver who has held his/her license for 5 years or more.
    • While holding this permit, the applicant must log 40 hours of driving plus 10 hours of night driving.
    • While the permit is valid for one year, applicants under 18 must hold the permit for a minimum of 6 months prior to applying for their license. Applicants 18 or older do not have a time requirement to hold the permit.
    • Once the requirements for the Instruction Permit are fulfilled, the applicant may take the road skills test and apply for the full driver license. If the applicant receives his/her license and is under 18, the following restrictions apply:
      • First 6 months: Only immediate family members and one passenger under 20 is allowed in the vehicle.
      • Next 6 months: Only immediate family members and up to three passengers under the age of 20 are permitted in the vehicle.
      • First 12 months: May not drive unsupervised between 1am and 5am.
      • No cell phone use is permitted.
    • Vision Screening. A visual acuity of 20/40 or better along with a field of vision of 110 degrees or better are the requirements for the vision test. The test may be taken with or without corrective lenses, and the lenses, if used, must be worn at all times while driving.
    • Knowledge Test. To pass this test, 20 out of the 25 multiple choice questions must be answered correctly. The Washington State Driver s Manual provides all the information needed to pass the test. Upon failing the test the first time, the applicant may re-take it after 4 hours. Upon failing a second time, the applicant must wait 1 day for the re-test.
    • Road Test. The test administrator will inspect the applicant-provided vehicle for the following equipment:
      • Brakes and brake lights
      • Turn signals
      • Seat belts
      • Passenger door functioning properly
      • Driver door window must roll down
      • Mirrors
      • Windshield wipers
      • Headlights
      • Defrosters
    • A score of 80 is needed to pass, and re-test times are determined by the testing facility. The DMV website provides much more information regarding the specifics of the driving test.
    • Fees. These fees are required from every applicant:
      • Learner Permit: $25
      • Regular License: $89 ($35 plus a $54 issuance fee)

    DUI/DWI Laws

    • BAC limit: .08 The definitions for DUI offenses and convictions are held in Washington s State Law R.C.W. § 46.61.502. The following is a brief overview of the major penalties for DUI convictions in the state.
    • First Offense:
      • License suspension: 90 days to 1 year
      • Fine: $850 to $5,000
      • Imprisonment: 24 hour to 1 year
      • Ignition Interlock Device (IID) installed on the driver s vehicle(s)
    • Second Offense within 7 years:
      • License suspension: 2 to 3 years
      • Fine: $1,100 to $5,000
      • Imprisonment: 30 days to 1 year
      • IID installed on the driver s vehicle(s)
    • Third Offense within 7 years:
      • License suspension: 3 to 4 years
      • Fine: $1,200 to $5,000
      • Imprisonment: 90 days to 1 year
      • Ignition Interlock Device (IID) installed on the driver s vehicle(s)
    • Refusals.
      • First Offense: Mandatory license suspension of 1 year
      • Second Offense: Mandatory license suspension of 2 years
      • Third Offense: Mandatory license suspension of 3 years

    Texting Driving Laws

    Novice drivers may not use a cellphone while driving, and no driver may text or use a handheld cell phone device while driving. Distraction.gov.

    Unique Laws

    Many of Washington s laws are unique enough to require no explanation. One such law prohibits residents from riding an ugly horse, and another makes it illegal to give noxious substances to a bird as long as it is in a city park. No one may fish with a rock, and fake wrestling is illegal!

    STATS

    Best Cheap Car Insurance Quotes for Washington

    King County Car Insurance

    Home to an estimated 2 million residents, King County is the most populous county in Washington, encompassing the state capital of Seattle, numerous other cities and two islands in Puget Sound. About two thirds of the population lives in suburbs. SeaTac is an incorporated, 10-square-mile city that surrounds the Seattle-Tacoma International Airport.



    Car Insurance Prices – State Farm. #auto #loans #online


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    Get a Quote

    Companies may look at a variety of factors to determine your car insurance premium including:

    What You Buy

    • Which coverages you buy
    • The deductibles

    Find out more about types of car insurance coverage .

    What Kind of Car You Drive

    If you are buying or selling a car, you will need to re-evaluate your insurance needs .

    Generally, the more expensive the car, the higher the car insurance price.

    Where You Live

    Generally, due to higher rates of vandalism, theft, and accidents, urban drivers pay a higher car insurance price than those in small towns or rural areas.

    How Much You Drive

    People who use their car for business and long-distance commuting normally pay a higher car insurance premium than those who drive less.

    Your Age, Sex and Marital Status

    Accident rates are higher for all drivers under age 25.

    Your Driving Record

    Accidents, regardless of fault, may impact the rate. Drivers in accidents generally must pay higher car insurance premiums than those who are accident-free for several years.

    Your Credit History

    Credit history has been shown to be a powerful predictor of future car insurance losses. Many insurance companies consider certain credit characteristics in addition to many other factors when determining an individual’s car insurance premium.

    What Can I Do to Save Money on My Car Insurance Premium?

    If you’re shopping for a car, consider how your choice will affect car insurance premiums.

    Some insurers increase premiums for cars more susceptible to damage or occupant injury, and lower rates for those that fare better than the norm.

    Consider joining a car or van pool, or finding other transportation to work. If you reduce your driving mileage enough, you may lower your car insurance price.

    WA State Licensing (DOL) Official Site: Transfer ownership of a vehicle when buying from a private party #auto #connection


    #auto bill of sale
    #

    2. Gather the information you ll need

    Find out how much it will cost by contacting a vehicle licensing office location .

    3. Complete all necessary forms

    • Vehicle/Vessel Bill of Sale Completed by you and the seller.
      • Enter sale price This is used to calculate the use tax .
      • Enter zero if it s a gift or inheritance.
    • Vehicle Certificate of Ownership (Title) Application Sign it in front of a:
      • notary public, or
      • licensing agent at an office .

    4. Submit your forms and payment

    Submit the following to an office :

    • Vehicle/Vessel Bill of Sale,
    • Vehicle Certificate of Ownership (Title) Application,
    • The current vehicle title, and
    • Payment contact an office for the exact amount.

    If needed, also submit:

    • Emissions testing report,
    • Affidavit of Loss/Release of Interest, or
    • Odometer Disclosure Statement.

    Getting your title

    How quickly do you want your title?

    • You can visit or mail your forms and payment to an office .
    • It will take 8 10 weeks to get your title.

    If you need it faster than 8 10 weeks:

    • You can visit or mail your forms and fees to a Quick Title office * .
    • It ll cost $50 plus the title fees.

    * Note: Quick titles aren t available for snowmobiles, vehicles or boats reported as stolen, insurance or wrecker-destroyed vehicles and boats, or vehicles with WA Rebuilt on the title.

    5. Get new license plates

    Since the vehicle has changed ownership, you ll need to get new plates.

    There are exceptions Plates don t need to be replaced if:

    • You re removing a deceased spouse or domestic partner from the title.
    • You got your vehicle from:
      • your spouse or domestic partner,
      • a family member as a gift or inheritance, or
      • a trust in which the registered owner or their immediate family members are the beneficiaries of the trust.

    6. Add the vehicle to your License eXpress account

    • See when your vehicle s tabs are due.
    • Make sure your address is up-to-date.
    • Sign-up or update email renewal notices and more.

    WA State Licensing (DOL) Official Site: Mandatory insurance for drivers in Washington #used #cars


    #insurance auto
    #

    Getting a driver license: Mandatory insurance

    If you drive a vehicle that is required to be registered in Washington State, you must have one of the following:

    The auto insurance policy must have limits of at least:

    • $25,000 of bodily injury or death of 1 person in any 1 accident.
    • $50,000 of bodily injury or death of any 2 people in any 1 accident.
    • $10,000 of injury to or destruction of property of others in any 1 accident.

    Required proof of auto insurance

    Any time you drive in Washington, you must be prepared to show your auto insurance identification card to law enforcement. You will get this identification card from your auto insurance company when you buy a policy. The card must include all of the following:

    • Name of the insurance company.
    • Policy number.
    • Effective date of the policy.
    • Expiration date of the policy.
    • Description of the year, make, or model of the insured vehicles, or the name of the insured driver. The word fleet may be used for more than 5 vehicles owned by the same person or business.

    Failing to show this proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

    If you have 26 or more vehicles, you may qualify for self-insurance. For more information, contact us at:

    Driver Records

    Department of Licensing

    PO Box 9030

    Olympia, WA 98507-9030

    Required proof of self insurance

    Any time you operate a vehicle in Washington, you must be prepared to show your self insurance certificate to law enforcement. The certificate may be printed on any size document and must include all of the following:

    • Self insurance certificate number we issued to you.
    • Effective date of the certificate.
    • Description of the year, make, or model of the covered vehicles, or the name of the covered driver. The word fleet may be used in place of the vehicle description.

    Failing to show proof is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

    If you want to apply for a certificate of deposit

    1. Submit the Financial Responsibility Application and Affidavit form to us.
    2. After we ve received your form. we ll confirm you qualify. If you qualify, we ll mail or email you to request that you, your financial institution, or securities firm submit the following within 30 days.
      • Assignment of Monies or Securities for Financial Responsibility and
      • Financial statements

    If we don t receive all documents within 30 days. we ll send you a denial letter.

    If we don t receive proof of payment. we can t process your application.

    What s the minimum deposit amount?

    The certificate of deposit must be for at least $60,000. You can make a deposit of collateral with us (DOL) or in a bank account set up for the State of Washington.

    You must show proof of your certificate of deposit

    Any time you operate a vehicle in Washington, you must be prepared to show proof of your certificate of deposit to law enforcement. The information may be printed on any size document and include the following:

    • Certificate number issued by us (DOL) and
    • Name of the covered driver.

    Failing to show proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

    The bond must be for at least $60,000, and must be filed by a surety bond company authorized to do business in Washington.

    Required proof of liability bond

    Any time you operate a vehicle in Washington, you must be prepared to show proof of your liability bond to law enforcement. The information may be printed on any size document and must include all of the following:

    • Name of the company that issued the bond.
    • Bond number.
    • Name of the covered driver.

    Failing to show this proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

    Penalties

    Operating a vehicle without the required coverage is a traffic infraction punishable by a fine of at least $450.

    Exceptions

    You don t need to have insurance when you operate a vehicle registered as any of the following:

    • Motorcycle. (RCW 46.04.330 )
    • Motor-driven cycle. (RCW 46.04.332 )
    • Moped. (RCW 46.04.304)
    • Horseless carriage over 40 years old (RCW 46.18.255 )
    • State or publicly-owned vehicle. (RCW 46.16.020 )
    • Common or contract carrier with the Washington Utilities and Transportation Commission.

    Vehicles registered in another state

    When you drive a vehicle in Washington that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.

    Related laws and rules

    Vehicle registration

    • RCW 46.16: Vehicle licenses (defines what vehicles are required to be registered in Washington)

    State of New Jersey – Motor Vehicle Commission – Business Licensing #auto #refinance #rates


    #auto body shops
    #You need a license to run an auto body repair facility. MVC issues different auto body repair licenses based on the types of repairs the facility will perform:

      Full service Auto body limited Auto body new dealer sublet


    A heavy duty vehicle endorsement is required for all licensed auto body repair facilities repairing vehicles weighing 14,000 pounds (GVWR) or more.

    TO: LICENSEES/APPLICANTS FOR AN AUTO BODY REPAIR FACILITY LICENSE

    RE: INSURANCE COVERAGE REQUIREMENTS FOR DAMAGE TO PROPERTY AND FOR LIABILITY ARISING FROM BODILY INJURY

    Pursuant to N.J.S.A.39:13-2.1, effective immediately, please note the following amendments to the insurance coverage requirements for damage to property and for liability arising from bodily injury which an auto body repair facility must maintain for a full service license.

    • Full service license auto body facilities shall maintain insurance coverage for damage to property and for liability arising from bodily injury, including, but not limited to: eligible garage liability or equivalent commercial general liability insurance in a minimum amount of $300,000 or a letter of credit in the amount of $300,000; garage keepers liability insurance in a minimum amount of $50,000 or a letter of credit in the amount of $50,000.
    • Limited full service license applicants and licensees must also comply with these requirements.

    How to get an auto body repair license

      Download the Auto Body Repair Application [1.19m pdf]. Mail the completed form to:

    Motor Vehicle Commission

    Business Licensing Services Bureau

    P.O. Box 172

    225 East State Street

    Trenton, NJ 08666-0172

    You and your place of business will be fully investigated after receipt of the completed application

    Requirements for auto body repair licensing:

      You must be 18 years of age Have legal capacity to contract and be liable for all debt incurred Exhibit character and responsibility Have no criminal record Considered a proper person according to N.J.S.A. 39:13.4


    Each application must also be accompanied by proof of the following:
      Certificate of occupancy Written approval by the municipal clerk or zoning officer confirming that the location, establishment and maintenance was approved Child support forms New Jersey sales tax ID number. New Jersey Unemployment registration number Federal employer ID number Color photograph for each officer the shop Fingerprint request notification form Color photographs of the facility displaying the advertised sign $350 Initial Fee $20 Non-refundable application fee


    In the case that there are multiple locations for an auto body repair facility, you will need to submit separate applications for each place of business

    Full service requirements

    The facility must be suitable to conduct all operations and have municipal and state licenses, permits and registrations, including:

      Federal Tax ID number New Jersey Sales Tax number Hazardous waste disposal systems Stack permits and any other applicable license, permits and registrations Maintain insurance coverage for damage to property and for liability arising from bodily injury. This includes but is not limited to: Garage keepers liability insurance Workers’ compensation insurance Fire insurance Any other coverage required by MVC Have and maintain an auto body repair facility reference source (ledger or computerized) for estimating the cost of repairs Equipment to safely raise and support vehicles for inspection during repair. A metal inert gas welder For all spray painting: An enclosed area for refinishing which complies with all applicable safety, fire, environmental and other regulations The means to supply fresh air to workers within the spray area A filtration method to reduce particles from the air exhausted from the spray area with standards established by the state or federal government Necessary equipment to perform structural repairs, four-wheel alignment, vehicle air conditioner servicing and mechanical repairs Provide evidence that at least one employee or 10% (whichever is greater) of employees have completed a recognized auto body repair related training course during the year immediately preceding the application for an initial renewal of license


    An auto body repair facility may also qualify for a full service license if it meets all of the above conditions and has a written agreement to subcontract with another licensed ABR.

    Limited auto body requirements

    You may qualify for a limited auto body repair license if it meets all of the requirements for a full service facility except those items for spray painting, as long as you have a written agreement with a full service license auto body repair facility to complete the spray painting for you.

    Civil penalties

      If you violate any regulations set forth by the state, you will face the following penalties First offense: no more than $5,000 Second and each subsequent offense: no more than $20,000 The civil penalty will be issued in the name of the Chief Administrator and shall be collected and enforced by summary proceedings In the event of continued or serious violations, the Chief Administrator may suspend your license and require you to cease operations during the time of suspension

    State Employees Credit Union – Used Vehicle Loan Refinancing #napa #auto #care


    #auto refinance loans
    #

    Used Vehicle Loan Refinancing

    Do you have a vehicle loan at another financial institution? You may be able to save by refinancing at the Credit Union. At the Credit Union, you don’t have to EARN a lower interest rate – we offer the same great low rate of % to all members! Use the convenient calculator below to estimate your monthly payment with the Credit Union and compare that to what you’re currently paying! If your vehicle has less than 10,000 miles, and is a prior, current or upcoming model year, you will qualify for our new vehicle rates. Please see our Vehicle Loans website page for current rates.

    Compare your loan to the Credit Union rate and SAVE BIG!

    Have you considered our auto insurance. Contact your local branch or the Contact Center today to obtain a risk-free quote!

    We may finance up to 110% of the value of the vehicle based on the NADA retail value. To determine the value of the vehicle, please use the link for Used Car Values located in the Auto Center in Member Access. The Credit Union does not accept flood, salvage or reconstructed title vehicles as collateral.

    Used Vehicle Loan Specifications

    State Farm Insurance Reviews. #best #used #cars #to #buy


    #auto insurance reviews
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    Read 1,012 Reviews

    Most Liked Positive Review

    I Love State Farm!

    When I saw the commercials for State Farm and they said Like a good neighbor, State Farm is there I thought no insurance company is that good. But I was wrong. Read complete review

    When I saw the commercials for State Farm and they said Like a good neighbor, State Farm is there I thought no insurance company is that good. But I was wrong! We switched to State Farm after I got into my first accident and it was cheaper than what we were paying before with our prior insurance company. They had great deals and low rates.

    The staff at our agents location were excellent. When ever we would come in for anything they would stop whatever it was they were doing to help us and they made sure that they had taken care of and answered every question before we walked out the door. They also made us aware of all the different products they have without being a pushy sales person. We have along with our auto insurance, renters insurance, life insurance on both me and my husband, and personal articles insurance such as our wedding rings. And with all of that we are paying the same as we were when we were with our other company just having our one car insured.

    The other thing that State Farm does that a lot of other insurance agents don’t is that they offer dividends at the end of the year if the company has done well and didn’t have an overage of claims in the previous year. We started our insurance in the middle of the year and the beginning of the next year we got a check from them! That was awesome.

    And lastly our agent calls us every couple months to check in with us and to review our policy with us. I love that they do this because sometimes there are things that I want to change or add but don’t always think to do it.

    My husband and I love State Farm and we aren’t planning on switching insurance company’s any time soon.

    Low Car Insurance Rates – State Farm. #auto #parts #locator


    #low cost auto insurance
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    Low Cost Auto Insurance from State Farm

    State Farm is the #1 auto insurer in America for a good reason. We offer low cost auto insurance while providing great customer service

    How do we provide auto insurance at a low cost?

    Get a Quote

    What do you have to give up to get low cost auto insurance? Nothing. With State Farm, you pay a low amount and still get superb service.

    • Your Agent can answer any of your questions and help you select the right coverage for your situation.
    • If the unexpected happens, we have more than 300 Claims Centers ready to help.
  • You have the option to manage your account and file any claims online.

    With State Farm, you get low cost auto insurance and unparalleled customer service. It’s no wonder that 40 million people have chosen State Farm for their auto insurance.

    How low can we go? Get an auto insurance quote now.

    Check out our Learning Center for tips on how to save money on auto insurance .

    Auto insurance isn’t your only expense. Review our driving tips for saving money .

  • Classic Car Insurance – State Farm. #auto #auction #prices


    #classic auto insurance
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    Classic Car Insurance from the Nation’s #1 Auto Insurer*

    Protection for Your Antique and Classic Vehicles

    Find an Agent

    Is Your Car Eligible for Antique Car Insurance Coverage?

    If you’re not sure, these definitions may help:

    • Classic Automobile: A motor vehicle ten or more years old, which is rare or of special historical interest because of exceptionally fine workmanship or limited production. A classic motor vehicle 25 years old or older is covered as an antique.
    • Antique Automobile: A motor vehicle 25 or more years old.

    And here are some important conditions for classic car insurance eligibility:

    • Your antique or classic car must be used on a very limited basis, such as exhibitions, club activities, and parades or similar events.
    • You need to have restored, maintained, or preserved your antique or classic car.

    Available Coverages

    • Liability
    • Medical Payments/No Fault
    • Comprehensive
    • Collision
    • Uninsured Motor Vehicle/Underinsured Motor Vehicle
    • Emergency Road Service
    • Death, Dismemberment and Loss of Sight
    • Loss of Earnings

    NOTE: This is only a general description of available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. For further information on antique auto and classic car insurance, see a State Farm agent .

    More Reasons to Choose State Farm

    • Lower insurance premiums since your antique auto or classic car is used on a very limited basis such as exhibitions, club activities or parades.
    • When you choose antique or classic car insurance with us, you and State Farm will agree on the value of the car. If the car experiences a total covered loss, we will pay this agreed-upon value, rather than the actual cash value of the car.**
    • Up to $500 coverage for your car’s spare parts.*
    • 24 Hour Good Neighbor Service During the day or in the middle of the night, you can call your agent’s number and speak with a State Farm representative to handle your antique auto or classic car insurance needs.
    • We understand your classic car. We’ve been insuring collector cars for many years. In 2010, State Farm employees even created a 1968 ‘Split Camaro’ as a teaching tool. It clearly demonstrates the difference between a vehicle fully restored to original condition and a vehicle thats been significantly modified. Learn more about the “Split Camaro” .

    Cheapest car insurance for an 18-year-old by state #american #auto


    #cheapest auto insurance
    #

    Cheapest car insurance for an 18-year-old

    Even a no-frills car represents a huge expense for the 4 million or so Americans working a minimum-wage job.

    But it represents a bigger challenge in some places than in others. Young drivers in Rhode Island and New Hampshire will work nearly three times as long as their counterparts in Illinois to buy liability insurance that meets their state minimum car insurance requirements. according to a CarInsurance.com analysis.

    We ranked states by the number of hours needed to buy coverage, comparing their cheapest car insurance for 18-year-olds with their minimum wage.

    This is as cheap as insurance gets, and there are few trade-offs available to save further. For example, by law you can t reduce your limits below the minimum amounts. And you can t raise your deductible. There are no deductibles on liability insurance.

    According to the Bureau of Labor Statistics, the average hourly wage was $24.57 in December 2014, up from $24.17 per hour a year earlier. The average annual outlay for liability car insurance, says the Insurance Information Institute, was $504 as of 2012.

    This means an average worker could buy a year of liability car insurance with about 21 hours of work.

    But consider an 18-year-old working an entry-level job. The average state minimum wage as of July 2015 was just $7.92 an hour. And teenagers pay much more for insurance: The average price of a year of bare-bones coverage was $841, according to rates gathered from national car insurance carriers.

    At those averages, a year of state minimum liability insurance would require 106 hours of work.

    Because both wages and car insurance rates swing dramatically, we looked at affordability by comparing the cost of legal-minimum auto insurance with each state s minimum wage. Young drivers in Rhode Island and New Hampshire had it worst, with 174 hours required to buy the cheapest liability policy we found. A young driver finds much cheaper insurance in Illinois — a year of liability insurance takes just 56 hours of work.

    How much is car insurance for an 18-year-old?

    We compared rates using the state s cheapest ZIP code for a young driver with a clean record, good credit and previous insurance on a parent s policy. We chose the least expensive rate we found. Unless you re 18, male, a resident of the particular addresses we used and proud owner of a 1997 Ford Taurus, your quotes probably won t exactly match ours, which are only a snapshot of available rates.

    They are, however, a good indicator of the financial hurdle confronting teenagers who depend on their own car to commute to school or work.

    What an 18-year-old pays for state-minimum liability

    Canadian Tire: Quaker State Advanced Durability Motor Oil, 5L. #matthews #auto


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  • Auto Bill Of Sale Form. Available for Your State. #denver #auto #auction


    #auto bill of sale
    #

    Automobile Bill of Sale

    Form to use when buying or selling a vehicle like a car, van, truck or trailer in all states. Includes Odometer Disclosure Statement.

    60-Days Money Back

    When selling an automobile or any type of vehicle (truck, van, motorcycle, or trailer), an Automobile/Vehicle Bill of Sale is necessary to document the terms and conditions of the transaction and to protect your rights.

    This legal form is also helpful for accounting and tax purposes and includes the make, model, year, mileage, and vehicle identification number (VIN) of the vehicle. The buyer can use an Automobile/ Vehicle bill of sale to help prove ownership of the vehicle.

    An Odometer Disclosure Statement is also included in this Automobile/Vehicle Bill of Sale packet since federal law mandates that the seller state the mileage upon transfer of ownership.

    These important provisions are included in this All Automobile / Vehicle Bill of Sale:

    • Consideration paid: This provision states the amount paid for the vehicle and also can be used by the buyer to prove that valuable consideration was paid for the vehicle;
    • Seller’s and buyer’s name / address: Locates and identifies the parties to this sale in the event of a dispute;
    • Make/ Model/ Year/ Mileage/ Vehicle identification number: Identifies the vehicle being sold;
    • Ownership Covenant: Seller warrants that he/she is the true owner of vehicle and has the right to sell the vehicle;
    • Encumbrance Covenant: Seller warrants that the vehicle is free from any lien, security interest or other encumbrance;
    • Defend Covenant: Seller will defend vehicle against any claims or demands.

    Protect your Rights and Property, by using our professionally prepared up-to-date forms.

    This attorney-prepared packet includes:

    1. Instructions and checklist for Automobile / Vehicle Bill of Sale
    2. Information for Automobile / Vehicle Bill of Sale
    3. Automobile / Vehicle Bill of Sale
    4. Odometer Disclosure Statement

    State Compliant: This form complies with the laws of your state.

    This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the “Sample Form” near the top left of this page.

    Boston is one of the cheapest places in the state to buy a used car – Used car deals. #used #honda #cars


    #affordable used cars
    #

    Boston is one of the cheapest places in the state to buy a used car

    Boston.com Staff | 11.25.15 | 1:25 PM

    If you re planning to buy a used car on Black Friday, you might want to think about which dealership you chose to go to it could save you some money.

    San Francisco-based used car website Autolist found Boston is the No. 10 most affordable place to buy a car in Massachusetts. According to Autolist s findings, consumers who buy a car in Boston pay $178 less than the state average.

    Related Links

    The survey also found used cars sold in Boston are $840 less expensive than the national average.

    Advertisement – Continue Reading Below

    Alex Klein, Autolist s vice president of data science, describes the company as the Kayak of used cars. Autolist looked at the price differences of over 58 million used vehicles sold across the U.S. between November 2012 and September 2015 by city, county, state, and at the national level.

    The company tracked each vehicle s price per day, resulting in over 3 billion data points to measure.

    It turns out that Framingham offers consumers more savings than any other Massachusetts town, as consumers spend an average of $388 less on used cars than anywhere else in the state.

    At the other end of the scale, consumers who buy a used car in Haverhill, Fitchburg, Methuen, Leominster, and Lowell can expect to pay between $478 and $582 more than the state average.

    Looking at data may tell you if you want to drive somewhere to buy a car, he said. Driving an hour and a half might save you hundreds or thousands.

    A greater presence of used car dealers in a city or town also contributes to more consumer savings, said Klein. Used car dealers may offer more savings to consumers if they are worried they will go to nearby used car dealership.

    If there are five dealers selling a [Toyota] Camry they are competing with one another for buyers, said Klein. The more competition in a given area, the more prices are driven down.

    Klein said Autolist aims to provide consumers with greater transparency and data for used car sales to make the used car buying experience a little easier.

    The used car market is kind of a black box to a lot of people, said Klein. It s tough to go out and make decisions without data. But there is data out there before you make a decision it pays to take a look at that data and make an informed decision.

    Here are the 10 cities and towns where it s cheapest to buy a used car:

    10. Boston. Price difference compared to rest of Mass. $178 less expensive. Price difference compared to U.S. $840 less expensive. Nationwide rank: No. 222.

    State Farm s edge over Allstate? It s private – In Other News – Crain s Chicago Business #allstate #vs #state #farm #auto #insurance


    #

    Weather

    Search

    Joe Cahill on Business

    State Farm’s edge? It’s private

    For a while now, I’ve been wondering why State Farm seems immune to the troubles plaguing Allstate.

    After all, the nation’s two biggest property-casualty insurers have a lot in common. Both were founded in the Midwest early in the last century. Both sell auto and homeowners’ insurance to middle-class Americans through thousands of agents around the country. Both were slow to embrace direct sales over the telephone and Internet, the method favored by fast-growing competitors Geico and Progressive Corp.

    Yet State Farm Mutual Automobile Insurance Co. holds its own against the direct sellers, while Allstate Corp. loses ground. State Farm expands it’s adding 900 agents while Allstate’s agent count dropped 13 percent last year.

    What’s the explanation? Ownership.

    No. 1 State Farm, based in Bloomington, is a mutual company owned by the policy- holders who buy its insurance. No. 2 Allstate, based in Northbrook, is a stock company, owned by public shareholders. One answers to its customers, the other to Wall Street.

    The biggest difference is one is a public company and one is not, says Paul Newsome, managing director at Sandler O’Neill & Partners L.P.

    Anything State Farm does to please its customers also pleases its owners. Allstate, however, struggles to balance customers’ demands for good pricing and service with stockholders’ desire for profitable growth.

    State Farm has more leeway to compete on price with the likes of Geico and Progressive, because its customer-owners benefit from any price cuts. On service and claims, State Farm can afford to be attentive and generous with the owners of the company.

    Because we are a mutual company, we don’t have to have to sacrifice the long-term interest of our customers to accommodate the short-term interests of our stockholders, a State Farm spokeswoman says.

    It’s a different story for Allstate, which declined an interview request. Every dime Allstate spends on claims or price cuts is one less dime for shareholders.

    It stands to reason, then, that State Farm’s scores were high and Allstate’s average in the most recent customer-satisfaction survey conducted by J.D. Power & Associates.

    State Farm’s reputation for outstanding service makes a good selling point with customers. Geico and Progressive, meanwhile, distinguish themselves with low prices.

    And what sets Allstate apart? Profitability. For all its growth woes, Allstate’s margins exceed those of State Farm and most other insurers.

    Catnip for investors, maybe, but not for customers. Insure your car with Allstate we’re more profitable. Now there’s a catchy tagline.

    An operating philosophy geared to investors puts Allstate at a competitive disadvantage. Its market share slipped more than a percentage point to about 10 percent over the past five years as premiums fell 6.7 percent, according to data from SNL Financial in Charlottesville, Va. Meantime, State Farm’s market share edged up to 19 percent as premium growth of 9.8 percent outpaced the industry.

    Allstate’s predicament shows how public stock ownership sometimes deprives executives of the flexibility to respond to changing market conditions. Ironically, this eventually can prevent a company from meeting investors’ other big demand: growth.

    Doubts about Allstate’s growth prospects depress its shares, which trade at about nine times projected earnings per share for 2012. Fast-growing Progressive, by comparison, trades at 15 times earnings.

    Allstate shares have perked up lately on signs company brass is waking up to the growth worries. Allstate bought online insurer Esurance last year, and CEO Tom Wilson recently acknowledged the need to get more aggressive on pricing.

    Barring an unlikely switch to private ownership, these moves look like Allstate’s best bet. Giving up a few percentage points of profit margin won’t plunge it into the red, and it will help Allstate compete for customers.

    It’s working for State Farm, anyway.

    Read Next

    State taxes: Wisconsin #wisconsin #state #income #tax


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    State taxes: Wisconsin

    Overview of Wisconsin Taxes

    The Wisconsin state income tax rate is currently 4% on the low end and 7.65% on the high end. The income tax rate varies over 4 income brackets. More on Wisconsin taxes can be found in the tabbed pages below.

    Personal income tax

    Wisconsin reduced both its tax rates and the number of income tax brackets beginning with the 2013 tax year. The income that falls into these brackets is shown below.

    For single taxpayers, the rates are:

    • 4% on the first $11,090 of taxable income.
    • 5.84% on taxable income between $11,091 and $22,190.
    • 6.27% on taxable income between $22,191 and $244,270.
    • 7.65% on taxable income of $244,271 and above.

    For married taxpayers filing joint returns, taxes are assessed at:

    • 4% on the first $14,790 of taxable income.
    • 5.84% on taxable income between $14,791 and $29,580.
    • 6.27% on taxable income between $29,581 and $325,700.
    • 7.65% on taxable income of $325,701 and above.

    Wisconsin’s tax returns are due April 15 or the next business day if that date falls on a weekend or holiday.

    Wisconsin offers an earned income tax credit to its residents. This credit provides a direct benefit to working families with qualifying children. The benefit amount depends on the total household income and the number of children.

    Sales taxes

    Wisconsin has a sales tax of 5%.

    Further, 62 counties have an additional sales tax of 0.5%. Retailers who make sales subject to applicable county taxes must collect 5.5% sales tax on their retail sales.

    Sales of motor vehicles, boats, recreational vehicles and aircrafts are subject to the county use tax of 0.5% rather than county sales tax based on the county in which the item is customarily kept.

    Personal and real property taxes

    The most common property tax assessed on Wisconsin residents is the real property tax, or their residential property tax. Wisconsin does not impose a property tax on vehicles, but does levy an annual registration fee.

    The Division of State and Local Finance. or SLF, is responsible for establishing the state’s equalized values; assessing all manufacturing and telecommunication company property for property tax purposes; assessing and collecting taxes on utilities, railroads, airlines, mining and other special properties; and providing financial management and technical assistance to municipal and county governments. It also administers the state shared revenue, property tax relief payments for municipal services and the lottery credit program, and the tax incremental financing programs, along with providing property assessment administration and certification of assessment personnel.

    Equalized values are based on the full market value of all taxable property in the state, except for agricultural land. In order to provide property tax relief for farmers, the value of agricultural land is determined by its value for agriculture uses, rather than for its possible development value.

    Equalized values are used to distribute state aid payments to counties, municipalities and technical colleges. Assessments prepared by local assessors are used to distribute the property tax burden within individual municipalities. You can find your county’s or municipality’s equalized value on the Department of Revenue’s website.

    Details on Wisconsin’s property tax system can be found in the Department of Revenue’s Guide for Property Owners .

    Wisconsin has 2 programs to help people with their property taxes: the homestead credit and the Property Tax Deferral Loan Program.

    • The credit is income-based and available to renters as well as homeowners. Further information about the homestead tax credit is available by calling the Department of Revenue at (608) 266-8641.
    • The loan program is operated by the Wisconsin Housing and Economic Development Authority. or WHEDA, and provides loans to qualifying elderly homeowners to help pay for property taxes. Details can be obtained by calling WHEDA toll-free at (800) 562-5546.

    Inheritance and estate taxes

    Wisconsin does not collect inheritance taxes.

    Wisconsin does not collect an estate tax. It will not impose an estate tax unless the federal estate tax law is modified to provide a federal estate tax credit for state death taxes.

    Other Wisconsin tax facts

    Wisconsin maintains an online listing of delinquent taxpayers .

    Wisconsin taxpayers can use several online options, such as filing returns and checking their refund status online .

    The Wisconsin Department of Revenue also administers unclaimed property. Unclaimed property is any financial asset that hasn’t had owner activity for a year or more and the holder of the asset is not able to contact the owner. In addition to traditional financial assets — such as savings and checking accounts, stock, and mutual funds — unclaimed property includes utility deposits, unclaimed wages and property resulting from a business closure. The law does not include real estate.

    For more information, contact the Wisconsin Department of Revenue at (608) 266-2772, or visit its website .

    To download tax forms on this site, you will need to install a free copy of Adobe Acrobat Reader. Click here for instructions.

    How we make money

    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.

    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.

    New York City Small Claims Court> #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


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    Starting a Case

    Anyone 18 years of age or over can sue in Small Claims Court. If you are younger than 18, your parent or guardian may sue on your behalf. Only an individual can sue in Small Claims Court. Corporations, partnerships, associations, or assignees cannot sue in Small Claims Court. However, they can be sued in Small Claims Court. If you are a corporation, partnership, association or assignee, you can bring a Commercial Claim or Consumer Transaction. For more information, click on Commercial Claims and Consumer Transactions.

    In general, the person suing is called the claimant. The person being sued is called the defendant. You may sue more than one person at the same time.

    You must be the proper person to sue in Small Claims Court. For example, if you are involved in an accident while driving an automobile that is not registered in your name, you cannot sue for the damage caused to the automobile during the accident. Only the registered owner of the automobile can sue for the damages caused to the automobile.

    To learn more about bringing a Small Claims Court case, continue reading below. You can also read the law on this procedure, by clicking on Civil Court Act section 1803 .

    Where to Sue: Venue

    A claimant must begin the lawsuit in the proper county. In general, a claimant can sue in the county where either party resides. If no party resides within the City, the action can be brought in the county where either party has employment or a business address. If the defendant does not have a residence, employment, or have a business address within the City of New York, you cannot bring the lawsuit in the Small Claims Court. To find the location in your county, click on Locations .

    Starting the Case

    To begin an action in Small Claims Court, a person, or someone acting on his or her behalf, must come to the Small Claims Court Clerk s office in the proper county and fill out a statement of claim. To find out where the clerk s office is located in your county, click on Locations. To find out when the Small Claims Court Clerk s office is open, click on Court Hours. You may also use an outside service to fill out your statement of claim and electronically file it with the Court. If you are interested in starting your case this way, click on electronic filing .

    The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. View and print the small claims claim form.

    You can watch a short tutorial to explain how to fill in the form.

    Small Claims Form Instructions:
    Video (run time: 4:52 minutes/seconds, Windows Media format )
    Written Transcript

    You will have to pay the court fee to file your claim. If your claim is for an amount up to and including $1,000.00, there is a fee of $15.00. If your claim is for an amount over $1,000.00 and up to $5,000.00, there is a fee of $20.00. The fee must be paid by cash, certified check, money order or bank check made out to Clerk of the Civil Court. Personal checks will not be accepted.

    The clerk will give you a date for the hearing. Small Claims Court hearings are usually held at 6:30 p.m. If you are a senior citizen, a disabled person, or a person who works during the evening, you may request that your small claims hearing be heard during the day. You or the person appearing on your behalf must show proof of age, or disability, or nighttime employment. The proof can be in the form of a letter from your job or from a doctor, a driver s license showing your birth date, or other similar documents.

    If you live outside the City of New York and want to sue a party within the City of New York, you may file your claim by mail. Contact the Small Claims Court Clerk s office in the county where the defendant lives, works or has a place of business to obtain the necessary form.

    The court system does not provide electronic filing at this time. However, several private vendors provide this service. The service provided by each of the vendors is different, and you must review their requirements. We advise that you review this entire website, as it offers a lot of information on how to proceed with your case.

    The current vendors are:

    Notifying the Defendant

    After your claim is filed, the Small Claims Court clerk will serve a notice of your claim by sending it to the defendant. The notice of claim tells the defendant when to appear in Small Claims Court, and includes a brief statement of your claim and the amount of money you are requesting.

    The notice of your claim will be sent to the defendant by certified mail and by ordinary first class mail. If the notice sent by ordinary first class mail is not returned by the post office within 21 days as undeliverable, the defendant is presumed to have received notice of your claim, even if the notice of claim sent by certified mail has not been delivered.

    If the post office cannot deliver the notice of your claim (for example, the defendant may have moved without leaving a forwarding address), the court clerk will give you a new hearing date and will tell you how to arrange for personal delivery of the notice to the defendant. Anyone who is not a party to the small claim and who is 18 years of age or older can personally deliver the notice of claim to the defendant. The claimant or any other party to the action may not serve the notice of claim personally on the defendant.

    If the notice of claim cannot be served on the defendant within 4 months after you filed your claim, your claim will be dismissed. If you learn new information about the defendant s location at a later date, you can file your claim again.

    A small claims case will not proceed to trial until the defendant has been served with a notice of your claim.

    The defendant may want to file a counterclaim. For information about this procedure, click on Counterclaims .

    Preparing for Court

    Before the date of the hearing, you should gather all the evidence that supports your claim or your defense. Evidence may include: photographs, a written agreement, an itemized bill or invoice marked paid, receipts, at least two itemized written estimates of the cost of services or repairs, a canceled check, a damaged item or article of clothing, or letters or other written documents. If there are records that are not in your possession, you may wish to subpoena them to be produced at the hearing date. For information about this procedure, click on Subpoenas .

    You should also prepare any witnesses you plan to testify at the hearing in support of your claim or defense. The testimony of a person who has special or expert knowledge and experience concerning the subject of your claim may be necessary for you to prove your case. For example, if your claim involves the quality of medical care, you must find a doctor who is willing to give an opinion, in court, about the quality of the care you received. While you might find an expert witness who will testify at no cost to you, it is more likely that you will have to pay for an expert witness testimony.

    If a witness, other than an expert witness, will not testify voluntarily, you can serve the witness with a subpoena requiring them to appear in court and testify. For information on how to do this, click on Subpoenas.

    New York State Insurance Department Regulations by NYCRR Part Number #car #insurance #in #new #york #state


    #

    Insurance Regulations by NYCRR Part Number

    • The following table is organized by Chapters. Some Chapters have subchapters and notes are included.
    • The table is divided into three columns; first column displays the Part No.; second column displays the description; third column displays the NYSID Regulation No.
    • Note: When a new chapter or subchapter listing appears, it encompasses the entire row and is in bold .

    For additional information on recent developments, please see our:

    CH. I. GENERAL PROVISIONS

    Promulgation of Regulations; Opinions

    Election of Directors in Domestic Life Insurance Companies

    Rules Governing the Procedures for Adjudicatory Proceedings Before the Insurance Department

    Sale of Insurance Securities

    Insider Trading of Insurance Securities

    Distribution and Sale of Publications and Forms of the Insurance Department

    Proxies, Consents and Authorizations of Domestic Stock Insurers

    Agent Training Allowance Subsidies for Certain Life Insurance and Annuity Business

    Mass Merchandising of Personal Property -Liability Insurance

    Simplified Comprehensive Policies of Insurance

    Special Risk Insurance

    Standard Health Insurance Claims Forms for the Services of Physicians, Dentists and Hospitals

    New York Insurance Exchange, Inc.

    ** Note the subparts in the three rows below. **

    Subpart 18-1: General

    Subpart 18-2: Investments in Underwriting Members, Broker Members and Associate Members

    Subpart 18-3: Criteria for Eligibility for the Position of Public Governor

    Homeowners Insurance; Applications for Withdrawal from Marketplace

    CH. II. AGENTS, BROKERS AND ADJUSTERS

    Brokers and Agents – General

    Insurance Brokers and Excess Line Brokers

    Agents: Life, Accident and Health

    Agents: Fire, Marine, Casualty, etc.

    Officers and Employees of Insurers

    Excess Line Placements Governing Standards

    Professional Bail Bond Agents

    Summary Suspension of Insurance Law Licenses

    Managing General Agents

    Requirements Pertaining to the Location of an Insurance Agent or Broker at Each Place of Insurance Business: Reporting Requirements

    CH. III. POLICY AND CERTIFICATE PROVISIONS

    A. Life, Accident and Health Insurance

    Minimum Standards for the Partnership for Long-Term Care Program Established Under Chapter 454 of the Laws of 1989, As Amended by Chapter 659 of the Laws of 1997

    Kansas State University – Acalog ACMS™ #kansas, #state, #university, #k-state, #ksu, #kansas #state #university, #catalog, #undergraduate, #graduate, #courses, #classes, #college, #wildcat, #majors, #degrees, #curriculum, #programs, #powercat, #admissions, #enrollments, #registrar


    #

    2017-2018 Graduate Catalog

    University Administration

    General Richard B. Myers, President
    April C. Mason, Provost and Senior Vice President
    Cindy Bontrager, Vice President for Administration and Finance
    Pat J. Bosco, Vice President for Student Life and Dean of Students
    Peter Dorhout, Vice President for Research
    Jeffery B. Morris, Acting Vice President for Human Capital
    Jeffery B. Morris, Vice President for Communications and Marketing

    Academic Divisions

    John D. Floros, Dean, College of Agriculture
    Timothy de Noble, Dean, College of Architecture and Design
    Amit Chakrabarti, Interim Dean, College of Arts and Sciences
    Kevin Gwinner, Edgerley Family Dean, College of Business Administration
    Debbie K. Mercer, Dean, College of Education
    Darren Dawson, Dean, College of Engineering
    John Buckwalter, Dean, College of Human Ecology
    Verna M. Fitzsimmons, Dean and CEO, College of Technology and Aviation, K-State Polytechnic Campus
    Tammy Beckham, Dean, College of Veterinary Medicine
    Carol Shanklin, Dean of the Graduate School
    Sue C. Maes, Dean of K-State Global Campus
    Lori A. Goetsch, Dean of Libraries
    Ralph Richardson, Interim Dean and CEO, K-State at Olathe

    Kansas Board of Regents

    Blake Flanders, President and CEO
    Joseph Bain
    Shane Bangerter
    Ann Brandau-Murguia
    Bill Feuerborn
    Dennis Mullin
    Dave Murfin, Vice-Chair
    Zoe Newton, Chair
    Daniel Thomas
    Helen Van Etten

    Admissions Information

    Graduate students
    1-800-651-1816 (toll free)
    Outside the United States: 785-532-6191
    Fax: 785-532-2983

    The material in this catalog is provided for informational purposes and does not constitute a contract. For example, courses, curricula, degree requirements, fees, and policies are subject to constant review and change without notice.

    Equity in athletics

    In accordance with the Equity in Athletics Disclosure Act, an annual report pertaining to K-State s athletic programs is available to prospective students, students, and to the public in the following locations: Intercollegiate Athletics and online at www.kstatesports.com .

    Any questions regarding the Equity in Athletics Disclosure Act should be directed to Intercollegiate Athletics, Kansas State University, 1800 College Avenue, Manhattan, Kansas 66502.

    Notice of nondiscrimination

    Kansas State University is committed to nondiscrimination on the basis of race, color, ethnic or national origin, sex, sexual orientation, gender identity, religion, age, ancestry, disability, military status, veteran status, or other nonmerit reasons, in admissions, educational programs or activities and employment (including employment of disabled veterans and veterans of the Vietnam Era), as required by applicable laws and regulations. Responsibility for coordination of compliance efforts and receipt of inquiries concerning Title VI of the Civil Rights Act of 1964, Title IX of the Education Amendments of 1972, Section 504 of the Rehabilitation Act of 1973, the Age Discrimination Act of 1975, and the Americans With Disabilities Act of 1990, has been delegated to the Director of Office of Institutional Equity, Kansas State University, 103 Edwards Hall, Manhattan, KS 66506-0124, (Phone) 785-532-6220; (TTY) 785- 532-4807.

    Students, campuses in state add saving water to college life – LA Times #ucla, #environmental #protection, #carbon #footprint, #severe #drought, #water #restrictions, #jerry #brown, #janet #napolitano, #cal #state #campuses


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    Students, campuses in state add saving water to college life

    College campuses, students in California are taking steps to reduce water usage amid drought

    In a residence hall at UCLA. 84 students share a floor dedicated to cutting waste and preserving the environment: They take five-minute showers, they compost and recycle, they goad each other to turn out the lights and, through a grant, they purchased reusable plastic and bamboo dishes and utensils for personal use in the dorm.

    We call ourselves the sustainable living and learning lab and our floor is really just about education and facilitating student leadership in the area, said Sarah Dahnke, 21, a global studies major and one of the dorm’s resident assistants.

    ————
    FOR THE RECORD:

    Water conservation: In the April 22 California section, a photo caption with an article about saving water on college campuses misidentified a passerby as UCLA Chief Sustainability Officer Nurit Katz. —
    ————

    Efforts like those of Dahnke and her dorm mates are being replicated at colleges and universities in California and across the nation as part of a growing movement to incorporate environmental protection into research, curriculum and student life.

    California institutions have in many ways been in the vanguard of progressive policies to promote energy efficiency and reduce their carbon footprint.

    Now, in the grip of a severe drought and facing mandatory water restrictions, the state’s colleges are under intensified pressure to reduce consumption and ramp up other conservation measures. They have many advantages: faculty researching the cutting edge of sustainable technologies and students eager to embrace the cause.

    When I first came to California a few years ago, there was a lot more green grass and snow. In class, we see data showing the changes and then you see it in nature. Sidhaant Shah, UCLA chemical engineering and environmental science major

    But they also face tough challenges, with many of the larger campuses being virtual cities within cities, including thousands of students and faculty, housing, transportation and hundreds of acres of land to contend with.

    Campuses throughout the state are installing low-flow urinals and shower heads, faucet aerators and high-efficiency toilets in dorms. Many are turning off sections of irrigation systems and letting grounds go brown, with plans to install drought tolerant plants and hardscape.

    University of California President Janet Napolitano has committed to achieving carbon neutrality on the 10 campuses by 2025. The state’s 112 community colleges are studying which water conservation methods are yielding the greatest savings, partly in response to questions from Gov. Jerry Brown and the Legislature on efforts colleges are making, said Paul Feist, a spokesman for the community colleges chancellor’s office.

    At Cal State Long Beach. a project to convert lawn areas to drought resistant landscaping, with the first phase — encompassing about two acres of the 322-acre campus — is expected to be completed in August. The conversion is projected to save about 3.5 million gallons of water and $15,000 in water costs annually.

    The campus, with 35,000 students, consumes about 200 million gallons of water each year, about 50% of it used to irrigate lawns and athletic fields. The campus is also studying how to use reclaimed water in place of potable water, said David Salazar, associate vice president of physical planning and facilities.

    Meanwhile, a wide variety of college classes are incorporating instruction on environmental impacts. In a green chemistry class at Cal State Fullerton. students are asked to calculate their carbon and water footprint, to collect their trash for 48 hours to illustrate how much is thrown away and develop more environmentally friendly products, said professor and interim librarian Scott Hewitt, who spoke recently at a campus symposium. The school offers a master’s degree in environmental studies and is considering developing an undergraduate minor in sustainability, Hewitt said.

    Efforts extend beyond the campus as well. Cal State campuses, for example, are working with local governments and water agencies to help low-income Central Valley communities develop conservation strategies.

    Despite efforts such as these around the nation, some experts contend that even more far-reaching measures are needed that will require greater investment.

    Unfortunately, many educational institutions are more risk-averse than corporations; they’re progressive in terms ideas but conservative in terms of their ability to change business as usual and consider the long-term investment, said Wynn Calder, co-director of University Leaders for a Sustainable Future.

    Funding is certainly an issue for California’s public colleges, which are still recovering from the loss of billions of dollars in state support during the recession.

    Local water districts are collaborating with colleges to help sponsor some water reduction projects, but generally universities make use of the same conservation incentives that are available to the general public. There are few dedicated funds, for example, for retrofitting public buildings to lower water use, said Peter Brostrom, water use efficiency manager at the California Department of Water Resources.

    The UC budget is stretched and state grant funding is often directed to water suppliers and there’s a lot of competition for that, Brostrom said. Right now, [the] lack of resources are constraining some of these needed improvements.

    Less than a year ago, when California officials were beginning to realize the extent of the drought emergency. a water main break flooded parts of UCLA with 20 million gallons of water. A water-saving campaign at the Westwood campus reduced consumption by 9 million gallons in just the 15 complexes that house about 12,000 students, said Josh O’Connor, who organizes the student Team Green program, which places student leaders in dorms to encourage their peers to conserve.

    Elsewhere on campus, replacing lawns with drought resistant landscaping is expected to save 4.9 million gallons annually, said Nurit Katz, the campus’ chief sustainability officer. The 419-acre campus also plans to replace seven acres of intramural fields with artificial turf, which will save an additional 6.4 million gallons annually.

    It used to be that when lawns turned brown, complaints would follow. Now, an overly lush lawn invites questions, Katz said.

    What’s tricky, Katz said, is that a lot green space is used for events or as respite for faculty, students and staff and can’t easily be replaced. The aesthetics of a campus, what draws students and their parents, is still that of verdant green — more an East Coast ideal than West Coast climate reality. But those attitudes too are changing.

    Sidhaant Shah, 22, a chemical engineering and environmental science major, is among a group of students conducting environmental research on campus, such as how landscaping changes biodiversity.

    When I first came to California a few years ago, there was a lot more green grass and snow, Shah said. In class, we see data showing the changes and then you see it in nature and you realize, yes, it’s getting worse.

    About Graduate Study in Psychology #cal #state #la, #csula, #csu #los #angeles


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    Department of Psychology

    About Graduate Study in Psychology

    CaliforniaState University, Los Angeles

    There are many different kinds of graduate training programs (for earning Master’s and Doctoral degrees) in Psychology. Some focus on training you to be a practitioner (therapist, counselor, school psychologist) who works in an applied setting (e.g. hospital, clinic, private practice, other service organization). Other programs focus on research and are designed to train you to be a college professor who teaches and conducts research in a university setting. Some professional research psychologists work outside of universities at private or public research institutions. Programs vary depending on whether they offer a Master’s or a Doctoral degree, and whether they are offered by a traditional academic institution or a “professional school.”

    Resources

    Ph.D. Programs in Psychology

    The graduate training for ANY Ph.D. in Psychology (including Clinical or Counseling Ph.D.s) is based very heavily on research. All Ph.D. degrees (regardless of field) are about training you to become a researcher. Because most researchers work at universities (the main institutions that support such work), many Ph.D.s are college professors (including people with Ph.D.s in Clinical Psychology). Professors with Ph.D.s in Clinical Psychology do sometimes work directly with clients/patients, but many do not. If you don’t want to be a researcher and/or college professor, Ph.D. programs are not a good choice.

    Ph.D. programs in psychology, especially Clinical Ph.D. programs, are EXTREMELY competitive; they can attract hundreds of applicants and often select only two or three. Clinical Ph.D. programs are mainly interested in people who want to become researchers, particularly programs at large public and private universities (e.g. all of the Universities of California ). Research will always be emphasized over practice in such programs. So, if you are not interested in doing research as a career, then Ph.D. programs are probably not the route you want to go.

    Typically, Ph.D. programs (in any field of Psychology) require GRE scores that are at the very least 1100. They prefer applicants who have research experience (work done directly with a faculty member who is conducting empirical research). For Clinical/Counseling Ph.D. programs in Psychology, applied work (in a mental health, social service, educational setting) is also valued, but research experience is more strongly emphasized. If you do not have research experience, it is very unlikely that you would be accepted into a Ph.D. program. Ph.D. programs also require superior undergraduate grades; if your overall undergraduate GPA is under 3.5, it is unlikely that you would be accepted into a Ph.D. program in Psychology.

    Professional School Doctoral Programs in Psychology

    PsyD (Doctor of Psychology, as opposed to the Ph.D. Doctor of Philosophy) programs are growing in popularity. They are much less research focused, not designed to train you as a research professor, and much more applied (focused on teaching you to work with clients/patients). PsyD programs (like Argosy, Alliant, etc.) are very expensive because they are only offered by private “professional schools” (not traditional universities). These programs are less competitive than Ph.D. programs at universities, meaning they accept many more applicants each year.

    There is a big difference between Ph.D. programs at large universities and PsyD programs offered at professional schools. Ph.D. programs at large universities involve research, even for Clinical Ph.D.s. These degrees are designed to train you as a scholar/researcher/professor. Students are likely to receive funding as a graduate student.

    At professional schools, students pay very high tuition, and are trained as practitioners more than researchers (although all Ph.D.s require a dissertation, a research project). Ph.D.s from professional schools are about being a practitioner. Ph.D.s from professional schools are less valuable in attaining a tenure-track academic job (a tenured position as a college professor), but you may be able to teach part-time with such a degree. These degrees train you to be a clinician; they are well-regarded degrees in the clinical world. Ph.D.s from professional schools are very much like PsyDs.

    Master’s Programs in Psychology at Cal State LA

    The Master of Arts in Psychology (MA) . and the Master of Science in Forensic Psychology are research-based degrees that do not focus on clinical practice (and will not help you earn a therapist license). They require a thesis (a research project) and many courses in research methods and statistics. If you don’t want to be a college professor, these are not the degree programs for you. You may teach with an MA or similar degree at the community college, but such degrees are usually not sufficient for tenure-track (permanent) jobs as a college professor. The MA in Psychology is offered at many CSU campuses.

    Additional Master’s Programs

    Although we no longer offer these programs at Cal State LA, you can find similar programs at other CSU campuses. The MFT degree (Marriage, Family Therapy) is a Master’s degree that is designed to train you as a therapist/practitioner. It does not involve a thesis project but a comprehensive exam. It is designed to move you toward licensure as a practicing therapist. Other Master’s programs in other disciplines (e.g. Master’s of Science in Counseling. Master’s of Social Work or MSW ) are also designed to train/educate students as practitioners/counselors. If you want to be a therapist, all three are viable options. Master’s programs in School Psychology are also available. These Master’s programs are offered at many CSUs. The MS in ABA (Applied Behavior Analysis) is designed for students who plan to work as behavior analysts, specialists, or consultants with a Masters degree (often working with individuals with developmental and other disabilities, including autism), and for those who plan to pursue doctoral training in behavior analysis with the goal of being a college professor.

    About Us #california #state #lemon #law


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    About Us

    California Lemon Lawyers was founded in 2003 by Scott R. Kaufman. Dissatisfied with his past position at a profit-driven big firm, Mr. Kaufman left to start a law practice that is more like a “legal aid” type of setting which is genuinely dedicated to helping consumers, not just the bottom line. At any one time, California Lemon Lawyers is actively helping over 100 California consumers. The firm has been directly responsible for getting millions of dollars returned to California Consumers over the years. All attorneys are members of the prestigious National Association of Consumer Advocates. Mr. Kaufman is now the California co-chair for NACA and he regularly attends conferences to hone and his consumer advocate skills. Mr. Kaufman also teaches Mandatory Continuing Legal Education classes to other attorneys in the areas of lemon law and auto fraud, nationwide, in order to further the cause.

    Why Choose California Lemon Lawyers?

    Experience: California Lemon Lawyers has always focuses on consumer protection issues. We have experience in all phases of the legal process, from arbitration through trial. We have obtained money settlements for California consumers in countless cases against slick car dealerships, major manufacturers, and curbstone rip-off artists.

    Exclusive Consumer Law Firm: California Lemon Lawyers focuses solely on consumer issues. We litigate lemon law (breach of warranty) claims, deceptive trade practices and fraud in the sale of vehicles, fair debt collection claims, and fair credit reporting claims. California consumers are severely underserved by their Government and in the private sector, in these types of claims and need us to stand up for them.

    Legal expertise: California Lemon Lawyers is not a mill. Rather, each case gets personalized attention and evaluation. Our focus and experience in working with a variety of claims and statutes allows us to prosecute cases to their best result. The “big firms” tend to look only for a quick turnover. We do what it takes to get you the best possible result.

    Free Evaluation and Consultation: When you contact California Lemon Lawyers you will be treated with courtesy and professionalism. Your case review is free of charge. This includes an initial consultation by phone, a review of all your documents, and a meeting in person, should you desire. IF we do not take your case, we will not turn you away with a “sorry, we can’t help you” like so many other firms. Instead, at no cost to you, we will likely give you guidance on what to do or where to look next.

    Attorney’s Fees: California Lemon Lawyers works on a contingency fee basis. This means that if we are not getting a favorable result for you, we are not getting paid. If we do obtain a favorable settlement or judgment for you, the defendant will pay most, if not all, of our fees.

    Results: California Lemon Lawyers knows that you need these problems resolved as quickly as possible. We are prepared to go all the way to trial if necessary, but we will also advise you to take an early settlement IF it is one that suits your individual needs.

    Sample Reflective Essay – Example #1 – English Program – CSU Channel Islands #ci,csuci,california #state #university,cal #state #channel #islands,csu #channel #islands,university,channel #islands,camarillo,ventura #county,ventura #co,thousand #oaks,oxnard,ventura,higher #education,undergraduate,graduate,degree,college,academic,learning


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    California State University Channel Islands

    Sample Reflective Essay – Example #1

    Below we offer an example of a thoughtful reflective essay that effectively and substantively captures the author’s growth over time at CSUCI. We suggest that you write your own essay before reading either of these models-then, having completed your first draft, read these over to consider areas in your own background that you have not yet addressed and which may be relevant to your growth as a reader, writer, or thinker.

    Any reference to either of these essays must be correctly cited and attributed; failure to do so constitutes plagiarism and will result in a failing grade on the portfolio and possible other serious consequences as stated in the CSUCI Code of Conduct.

    Scroll down for more examples!

    Sample Reflective Essay #1
    Author: Prefers to remain anonymous

    As an English major I have learned to appreciate the peaceful, yet exhilarating moment when my mind engages with an author’s thoughts on a page. As Toni Morrison says in The Dancing Mind. “[reading is] to experience one’s own mind dancing with another’s.” In my early days as a college student, I wanted to know the “true” meaning of a work or what the author intended, however, I have now realized this would void literature of its most noteworthy complexities. Individual interpretations bring varied insights to a work and it is also interesting to point out messages the author may not have realized s/he included in the piece.

    I have always been a thinker, but throughout my coursework, I have greatly sharpened my critical analysis skills. Instead of focusing on proposed meanings or biographical background, I have learned to continuously ask “why” on many different levels. I challenge myself to dig into a text as deeply as possible and unpack every detail to develop a satisfying close read. Also, by reading multiple novels by the same author I have learned to identify different writing styles and make connections that weave texts together; this helped me develop a deeper understanding of the novels. When I look at one of my freshman level novels and see clean pages, I realize that I did not actively read the book. I guess you could say that I have learned to read with a pen, which has drastically taken my writing to a new level because I am able to connect back with my initial insights marked on the page.

    Writing had always been one of my strengths, but it was challenging to take that initial step past the high school, five-paragraph essay form that constricted my ideas for so long. Moving past this form, however, has greatly opened my mind. My thoughts are now able to be more complex because I have learned how to sustain a logical argument in an organized manner. My writing has become increasingly more concise and I no longer have room for added “fluff” or “padding.” Another improvement is my ability to point out multiple complexities within a text, instead of sticking to one-sided arguments in my papers. Furthermore, learning how to find peer reviewed journal articles and order books through interlibrary loan has significantly widened the scope of my research, which has lead to more scholarly papers with credible references. My writing is so much more interesting than it used to be.

    It is difficult to identify gaps in my knowledge as an English major, only because I feel like I have learned so much. I feel that I have largely expanded my literary analysis and writing skills, but I need to be prepared to teach high school students their required literature. I think it would be useful to identify commonly taught novels in our local high schools and study them myself. By studying the required literature and thinking about how to teach it, I will have a sturdy foundation to work from once I am in the classroom.

    Want more examples?

    Want to become a better writer?

    CI’s Student Writing web site has how-to videos, writing samples for different subjects, and support resources.

    Careers in English and Writing

    The English program at California State University Channel Islands prepares students for a wide range of exciting and rewarding careers, including:

    • English teacher
    • Social media strategist
    • Media production (film, TV, internet)
    • Print and digital publishing
    • Law
    • Corporate communications
    • Foreign service
    • Human resources
    • Foundations/non-profit management

    Website Information

    Career Services For Students #penn #state #job #posting


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    Career Services For Students

    For Students

    Job Search Information

    Contact Career Services for Resume Writing, Cover Letters, Contacting Employers, Interviewing Tips, and Salary Negotiations, please see the Career Services Guide .

    Interested in Career Services information for First Year Students ?

    Interested in learning more about Graduate Schools ?

    Berks Career Services

    • Is an essential part of students’ educational experience.
    • Aims to develop independence, self-esteem, empowerment, and resourcefulness in Penn State Berks students.
    • Provides an online job posting system, Nittany Lion Career Network .
    • Functions as a team working in partnership with the University and external community.
    • Is flexible, understanding, and responsive to our students.
    • Supports the uniqueness of each individual, and provides a means for students to best accomplish their personal and career goals.
    • The Career Services Office assists students with career development from the time of Freshman Testing and Advising throughout their years at PSU Berks.
    • Provides individual and small group career decision-making appointments.
    • The Career Services Office offers presentations on career decision making, resume writing and interview skills.
    • Brings employers to campus for interviews.
    • Provides individual appointments for assistance with post-graduate plans and internships.
    • Develops off campus employment opportunities for current students.
    • Provides listings of part-time, temporary and summer employment opportunities.
    • Facilitates student entry into the community employment market.
    • Integrates learning in the classroom with learning in a professional environment.
    • Offers assistance in finding supervised work experience in your career field.
    • Develops internship positions related to a student’s program of study.
    • Exposes students to the real world of work while earning wages and at the same time earning credit.
    • Services are available for recent graduates and alumni.
    • Provides support for cover letter and resume writing and access to the Career Technology Center.
    • Offers a variety of workshops including: resume writing, Myers-Briggs, Interviewing Skills, Strong Interest Inventory, and Career Decision-Making.

    Job Posting/Company Verification Disclaimer

    Read the full disclaimer which describes the shared responsibility among Penn State Career Services (including University Park and Commonwealth Campus career offices) and internship/job seekers in researching and identifying potential concerns about the legitimacy of employers and their respective postings.

    Professional Part-Time, Evening MBA Program #mba #georgia #state


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    Evening MBA Program

    Ranked among the best in the country, the Evening (part-time) MBA program at Georgia Tech gives students access to the same curriculum as their full-time counterparts on the same Midtown Atlanta campus and in our most flexible format.

    In our Evening MBA program, you ll learn to think strategically on a global level, collaborating and networking with classmates from diverse professional backgrounds at more than 300 different companies.

    The part-time format of our Evening MBA combines the comprehensive and customizable curriculum of our Full-time MBA with the flexibility to complete at your own pace, making it an ideal program for working professionals.

    Whether you work in a large corporation, a nonprofit organization, a governmental agency or a small business, the Georgia Tech Evening MBA in Atlanta will give you a firm footing in the technology that business today demands. You’ll build confidence through knowledge, develop management skills, expand your professional network, and take your career to the next level.

    Admissions Application

    The Evening MBA program enrolls twice per year, in January and August. We welcome applicants with diverse professional experience and academic backgrounds.

    Curriculum

    Our flexible curriculum allows you to build skills in a way that s relevant to your career goals and earn your degree at your own pace.

    Career Development

    The Jones MBA Career Center will help you translate your MBA education into career success.

    I constantly tell people how much I am learning every day because it is so fulfilling to know that my investment is paying off daily.

    Solution Sales Professional. Microsoft

    Horace Mackey

    Solution Sales Professional. Microsoft

    Alumni, Evening MBA, Concentrations: IT Management, Entrepreneurship

    Why did you choose to pursue an MBA?

    I wanted to gain a better understanding of managerial decision-making procedures as well as further my education to include more applicable business making decisions.

    Please comment on the academic experience at Georgia Tech.

    I went into the program thinking I knew everything there was to know, but from day one I realized that there was so much more to learn and discover based on the amazing content and the depth of knowledge of the professors. Throughout the program, I was constantly telling people how much I was learning every day; it was so fulfilling to know that my investment was paying off daily.

    Please comment on the relevance and quality of the program to your career goals.

    The program is of high quality because I was actively aware how relevant the material was to what I faced in my daily work life. The quality is also reflected in that I truly took what I learned and applied it to my own personal financial decision-making on a daily basis. This also is a testament to even the order in which they suggest you take the courses, which shows how much thought and effort has been put into the curriculum.

    Is there anything you’d like to add?

    The program has been very valuable to me not only because of the education I received but also the relationships I built. The faculty members that I encountered were very impressive because of not only their depth of knowledge on a particular subject, but also because of all of their practical experience in the subject they are instructing.

    Returning to school after being out for 10 years was daunting at first, but the structure of the program, group assignments, and a realistic workload made it very easy to adapt and return into the mode of student.

    Get in Touch

    To learn more about the Evening MBA program, contact us online or call us at 404.894.8722.

    Penn State Online #business #administration #associate #s #degree, #penn #state #business #programs, #penn #state #online #associate #s #degree #programs, #penn #state #world #campus


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    Associate in Science in Business Administration

    Business Essentials to Advance Your Career

    To be successful in today’s increasingly complex business world, you need to have a broad understanding of how your business works. An Associate in Science in Business Administration degree can teach you the fundamentals in accounting, management, marketing, information systems, and economics that will make you a more effective business professional. This type of degree can be an important first step in developing the critical thinking, communication, and other essential business skills that companies value.

    Why an Associate in Business Administration at Penn State?

    In addition to understanding these important business fundamentals, you need a degree that will be well recognized by your peers and respected by your employer. With Penn State’s 100 years of experience in distance education, and reputation as a leader in online education, no one will question the quality of your degree.

    With an Associate in Science in Business Administration degree from Penn State World Campus, you can gain skills to help move your career ahead in any industry. As a student in this online degree program, you can learn how to:

    • execute effective communications strategies
    • use the latest technical business tools perform your job duties effectively
    • analyze and react to the economic issues facing companies today
    • collect and analyze business data to make inferences and solve business problems

    Build on Your Success

    While Penn State’s Associate in Science in Business Administration is an excellent stand-alone credential, it can be used as a stepping stone into a bachelor’s degree such as the Bachelor of Science in Business. also offered online through Penn State World Campus. With help from an academic adviser, the 60 credits you earn toward an associate degree can often be applied toward the bachelor of science degree in business, allowing you to further your education and increase your marketability to your current and future employers.

    Who Should Apply?

    Penn State’s Associate in Science in Business Administration has been designed for entry-level business professionals, persons who are looking for a career change, or those who have been working in the field but need a respected degree to take the next step in their career.

    Career Opportunities for Graduates

    Because the Associate in Science in Business Administration can give you a foundation of business concepts and best practices relevant to any industry, as a graduate of the program you can prepare for positions such as:

    • accounts receivable coordinator
    • business services manager
    • computing business coordinator
    • insurance sales agent
    • compliance officers
    • appraisers and assessors of real estate
    • casino and gaming managers

    Related Programs

    Penn State Online #master #of #project #management, #penn #state #online #master #s #degree #programs, #penn #state #world #campus


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    Master of Project Management

    An Increased Demand for Project Managers

    Corporations rely on project managers to oversee all aspects of a project so that everything flows seamlessly and the timeline, scope, and budget goals are met. As more organizations use project-based methods to accomplish tasks, experienced project managers are in higher demand. When you earn a master’s degree in project management, you can possess a skill set valued by companies in virtually every industry.

    Why Project Management at Penn State

    The online Master of Project Management degree offered through Penn State World Campus is an interdisciplinary graduate program that uses problem-based learning to provide a thorough understanding of all aspects of project-management theory and practice. This 30-credit degree program, which you can complete in as little as two years, is a well-respected credential and is AACSB accredited. In addition, Penn State is a Project Management Institute (PMI) ® Registered Education Provider (R.E.P.).

    Headed by Dr. Jeffrey K. Pinto, an internationally renowned scholar in the field of project management, this program covers not only the curriculum found in A Guide to the Project Management Body of Knowledge (PMBOK ® Guide)Fifth Edition, Project Management Institute, Inc. (2013 ), but also the European model as well (APM). As a student, you can learn how to better manage your projects with regard to:

    • commercial and procurement law
    • corporate and business strategy in project management
    • cost control, planning, and resource management
    • human relations and project teams
    • organization theory in project management

    Because the 12-credit Graduate Certificate in Project Management consists of the first four courses of the master’s program, you are able to add a quality credential to your résumé even before you complete the full degree.

    Choose your Project Management Career Track

    The master’s degree program allows you to tailor the curriculum to match your personal interests and professional goals. You may choose 6 credits in electives from topical areas such as:

    • enterprise architecture
    • enterprise resource planning (ERP) with SAP software
    • independent study for a creative research project, based on a current project management issue in your organization
    • supply chain management

    Who Should Apply?

    Whether you are involved in construction management; project execution; or project, program, or portfolio management, this is an ideal program if you are looking for career development opportunities to enhance your knowledge and skill sets in managing large, complex projects.

    Career Opportunities for Project Management Graduates

    Because project managers are in high demand in a variety of industries, as a graduate of the Master of Project Management degree program you can be prepared for a variety of positions, including:

    • project manager
    • project management analyst
    • quality management project coordinator
    • master scheduler
    • computer and information systems manager
    • industrial production manager
    • sales manager
    • business planning analyst
    • administrative services manager

    PMI,PMBOK and the Registered Education Provider Logo are registered marks of Project Management Institute, Inc.

    Related Programs

    NC Industrial Commission Information for Employers #workers #compensation, #worker #comp, #industrial #commission, #state #tort


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    For Employers

    Information For Employers

    Employers Responsibilities

    For information regarding workers’ compensation insurance requirements, please see the links below for educational PRESENTATIONS in English and Spanish.

    Employer’s Duties When a Worker is Injured

    An employer must immediately report to its Workers’ Compensation insurance carrier any injury or occupational disease, or allegation by an employee of an injury or occupational disease, sustained in the course of employment for which the attention of a physician is needed or actually sought.

    If an injury or alleged injury causes the employee to be absent from work for more than one day, or the employee’s medical expenses are greater than $2000.00, the employer or carrier must file with the Industrial Commission a Form 19 “Employer’s Report of Employee’s Injury to the Industrial Commission” within five days of learning of the injury or allegation.

    If a Form 19 is filed with the Industrial Commission, the employer or carrier must provide a copy of the Form 19 to the employee, together with a blank Form 18 “Notice of Accident to Employer and Claim of Employee” for use by the employee.

    Please see the forms section below for the relevant forms.

    See Rule 104 of the Workers’ Compensation Rules of the North Carolina Industrial Commission

    Educational Presentations

    Understanding Your Workers’ Compensation Obligations

    Click below to view PDF versions of two PowerPoint presentations on the employer’s obligations regarding workers’ compensation insurance coverage:

    Workers’ Compensation Forms

    All Employers or Carriers MUST file a Form 19 “Employer’s Report of Employee’s Injury to the Industrial Commission” within five days of learning of any injury or allegation of an injury. Employers should use the following form.

    This is the first report of injury (FROI) that an employer submits when an employee has a claim. Effective June 1, 2014, all first reports of injury (FROI) for injuries occurring after April 1, 1997 must be filed electronically via EDI unless they qualify for one of two exceptions. The only exceptions to electronic filing of FROI’s are claims (1) in which a Form 18 was previously filed and a six-character alphanumeric number has already been assigned, or (2) for an occupational disease in which a Form 18B has already been filed.

    If the claim meets one of the two exceptions outlined above, this PDF version of the Form 19 may be downloaded, printed, filled out, and mailed to the NC Industrial Commission at the address at the bottom of page one. Please read the attached instructions. If the claim does not meet one of the two exceptions, this form will be returned without processing; and an FROI will have to be submitted via EDI.

    This Form 18 may be downloaded, printed, filled out and mailed into the NC Industrial Commission. Please read the attached instructions for required information and the mailing address.

    This form is used if there is a claim by an Employee, Representative, or Dependent for Lung Disease, Including Asbestosis, Silicosis, and Byssinosis (G.S. §97-53)

    This form should be used if an employee wishes to apply for Additional Medical Compensation (G.S. §97-25.1) (Applicable to Injuries by Accident or Occupational Illness on or After July 5, 1994)

    Additional Forms

    Please click here to visit the Forms page for a complete listing of all the available
    NC Industrial Commission Forms

    Employer Links

    Employees That Have Been Injured At Work

    The NC Industrial Commission provides the following instructions to employees that have been injured in the course of their jobs. In the event one of your employees becomes injured, please familiarize yourself with the following procedures and be ready to assist your employee(s).

    Employees’ First Steps

    FIRST – Seek out appropriate medical treatment.

    Your employer may have a health care provider on your work site and if consistent with your employer’s instructions present yourself to that health provider if appropriate.

    If you do not have access to an on-site health provider, your employer may have instructed you to present yourself to a designated health care office in case of work related injuries. If appropriate to the seriousness of your injury, report to that facility.

    If there is no employer onsite or designated off-site health care provider, seek medical care appropriate to your medical needs. Depending on your circumstances, appropriate health care may be obtained from your family doctor or a hospital emergency room.

    Second

    Tell your health care provider that your injury is related to your work and the name of your employer. This information allows the health care provider to bill treatment as a workers’ compensation claim.

    Third

    As soon as possible, inform an appropriate manager of your employer or the owner of your company that you have experienced a work related accident. If you can personally report your injury, do so. If you are unable to report your injury because of your medical condition, have a family member, friend or health care provider notify your employer of the injury as soon as possible.

    Fourth

    As soon as practical after the accident, and within thirty days, give written notice to your employer. A simple written statement giving the date of the accident and a brief description of the injury is all that is necessary. If you cannot write the letter, have a friend or family member write it for you and send it to the employer. Keep a copy of the letter for your records.

    Fifth

    Follow your physician’s instructions for medical treatment. The goal of the Workers’ Compensation System in North Carolina is to ensure that you get good health care to restore you as nearly as possible to the health and ability to work that you had prior to your injury.

    Following these five simple steps will ensure that your injury is properly reported, you receive appropriate health care quickly and that your employer can initiate workers’ compensation medical benefits.

    International Visa Service – Same day service for visas, passports and other travel documents, located in Atlanta, Georgia #travel #visa, #passport, #u.s., #same #day #service, #document #processing, #visalady, #forms, #atlanta, #sandy #springs, #georgia, #travel #documents, #foreign, #emergency #service, #authentications, #legalizations, #police #clearence #records, #certified #birth #certificates, #civil #records, #apostilles, #photographs, #court #documents, #research #visa #requirements, #translations, #state #department #travel #forms, #24 #hour #service


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    Welcome to International Visa Service

    Serving Clients
    and Documentation Needs Worldwide

    International Visa Service provides QUICK SERVICE for documentation from all over the world. This service is efficient and cost effective. Your document problem and its solution is our business .

    Services are available in all 50 States. Additional business days may be required in Alaska and Hawaii due to logistics. All Documents are hand-carried by a representative of International Visa Service. If English is not your first language, our staff speaks several languages including Spanish, French, Arabic, Farsi, Greek—just to name a few.

    International Visa Service, Inc. is registered, but not affiliated, with the US Department of State and US Passport Services. We are a privately owned company that has been in business since 1976. We charge an additional fee to expedite your passport in 1-10 days.

    If you are not in a time crunch, you can obtain a passport directly from the U.S. Department of State in roughly 4-6 weeks, with no additional fee. Please feel free to visit your local post office or the official U.S. Department of State website if you do not require your passport in an expedited time frame. To contact foreign embassies, click here for .PDF list with embassy contact information.

    International Visa Service offers emergency same day service, seven days a week for clients who can demonstrate a real emergency. Normal Service is from 24 hours to 10 business days.

    Services are available in the 48 States. Additional business days may be required in Alaska and Hawaii due to logistics. All Documents are hand-carried by a representative of International Visa Service. If English is not your first language, our staff speaks several languages including Spanish, French, Arabic, Farsi, Greek—just to name a few.

    We Are Ready To Serve You

    Visit Our Sandy Springs, Georgia Location

    Monday-Friday 8:30 a.m. to 5:00 p.m. We are closed on Saturday during the winter and we are closed on Sunday. While we wish to help every customer with their passport needs, first time and children passport applicants must arrive BEFORE 3:00 PM. We must have two hours before our office closes in order for us to have time to process your paperwork. We are open for pick ups only after 4:00 p.m.

    Hartsfield Jackson International Airport, Atlanta, Georgia

    The office at Hartsfield Jackson International Airport has been closed.

    Do You Need a
    Business or Tourist Visa?

    Find the Business or Tourist travel requirements for the country you are traveling to using the country selection list below. NOTE: Your web browser must have popups enabled in order for the requirements to be seen. Be sure to contact our office to confirm your visa requirements as visa requirements are subject to change as our website requirements system may not have the latest information.

    Business Visa
    Requirements Search

    Tourist Visa
    Requirements Search

    WARNING

    A major warning is in the front of your passport: “BEFORE YOU TRAVEL ABROAD” In this section there is a warning concerning insurance. “Medical Costs abroad can be extremely expensive! [ Read More ]

    Copyright 2000-2015 by T.I.S. Inc. All rights reserved.

    No part of this website may be reproduced without written permission by T.I.S. Inc.

    Montana State University #montana #state #university, #bozeman, #college, #research, #excellence, #engineering, #agriculture, #mountains #and #minds


    #

    Erik Grumstrup, assistant professor in the Department of Chemistry and Biochemistry in MSU’s College of Letters and Science, has been selected as a 2017 Beckman Young Investigator by the Arnold O. and Mabel Beckman Foundation. EXPLORE

  • MSU student wins prestigious Udall Scholarship EXPLORE

  • Jake Jabs College of Business and Entrepreneurship EXPLORE

  • MSU to celebrate 125th anniversary EXPLORE

  • MSU scientist who studies honey bee health earns prestigious NSF CAREER Award EXPLORE

  • MSU College of Agriculture EXPLORE

  • MSU student receives prestigious Goldwater Scholarship EXPLORE

  • College of Arts and Architecture EXPLORE

  • Nestled in the Gallatin Valley, MSU offers a unique balance of academic excellence and outdoor adventure. EXPLORE

  • Penn State Online #master #of #science #in #nursing, #penn #state #online #master #s #degree #programs, #penn #state #world #campus


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    Master of Science in Nursing

    The health care landscape is constantly changing. As a nurse, you need to stay on top of the latest health practices, delivery systems, regulations, and administrative procedures. In addition, with research indicating a clear link between higher levels of nursing education and better patient outcomes, it’s no longer a luxury to update your knowledge; it’s a necessity.

    A Master of Science in Nursing (MSN) can prepare you for leadership and educational positions by helping you stay in the forefront of this dynamic industry.

    One Degree, Two Options

    The core curriculum of the online MSN covers the principles of health care policy and the leadership skills needed to influence positive changes in health care in organizations and on a national, state, or local level. While studying the relationships between practice and research in the development of nursing science, you can also learn about the health care system from global, health policy, and economic perspectives. You will cover complex issues and trends specific to nursing, as well as in the broader context of the health care industry, in order to promote the health of individuals, families, and communities throughout society.

    You will then refine your studies even further by choosing one of two options in the MSN degree program.

    Nurse Administrator
    The courses in the Nurse Administrator option can help you gain advanced knowledge of organizational leadership, health policy, and evidence-based health care delivery to prepare you for leadership and administrative roles in a variety of health care situations. The curriculum is designed to assist you in preparing for national certification as a nurse executive.

    Nurse Educator
    The Nurse Educator option can provide you with advanced knowledge of evidence-based teaching and learning principles, curriculum development, and evaluative techniques. After successful completion of the program, you could be prepared for educator roles in various academic and health care settings. In addition, the curriculum can help to prepare you for national certification as a nurse educator.

    Why an Online MSN From Penn State?

    Comprehensive Curriculum — The MSN program, offered in collaboration between Penn State World Campus and the highly respected Penn State College of Nursing. focuses on advanced nursing knowledge that you can put into practice immediately. The curriculum provides you with in-depth study of human health and development throughout the life span. You can also learn about providing health services in diverse care settings to individuals, families, and communities of varied cultural, ethnic, and racial backgrounds throughout the world.

    Flexibility — The online learning format offered by Penn State World Campus meets the unique needs of working professionals so you can fit a degree program into your life. The flexibility of studying when and where you want can give you the opportunity to gain new skills and knowledge while maintaining your current responsibilities.

    You have the option of starting the MSN program immediately, or you can choose to enhance your professional credentials by achieving important milestones along the way. You could earn the Nurse Administrator Graduate Certificate or the Nurse Educator Graduate Certificate first. All of the required credits in these graduate certificates can be applied toward the corresponding option of the MSN program, if you apply for and are accepted into the highly competitive degree program. Or, for nurse administrators, you could enter the online Doctor of Nursing Practice (DNP) directly from the Bachelor of Science in Nursing and complete your MSN core courses and Nurse Administrator option course through the doctoral program.

    Recognition — The College of Nursing is approved by the Pennsylvania State Board of Nursing. Penn State’s nursing master’s programs are accredited by the Commission on Collegiate Nursing Education (CCNE) (One Dupont Circle, NW, Suite 530, Washington, D.C. 20036; 202-887-6791).

    Master of Science in Nursing

    Learn more about the Master of Science in Nursing in this video:

    School of Nursing – San Francisco State University #cal #state #university #nursing #programs


    #

    Welcome to the School of Nursing

    1. 1 Slideshow of 4 images. You are at image number 1 with caption. Health Disparity Reduction Project Our commitment to reduce health disparities in our local communities and provide future nurses with an educational and experiential foundation in clinical prevention and population health. Make a Gift
    2. 2 Slideshow of 4 images. You are at image number 2 with caption. Graduate Programs Entry Level Master of Science in Nursing, Accelerated Entry Level Master of Science in Nursing, Master of Science in Nursing
    3. 3 Slideshow of 4 images. You are at image number 3 with caption. Undergraduate Programs Bachelor of Science in Nursing (BSN), Registered Nurse to Bachelor of Science in Nursing RN-BSN, SF State/Sequoia Baccalaureate Nursing Program.
    4. 4 Slideshow of 4 images. You are at image number 4 with caption. School of Nursing History San Francisco State University Nursing Program began as a School Nurse Program in 1955.

    Our commitment to reduce health disparities in our local communities and provide future nurses with an educational and experiential foundation in clinical prevention and population health.

    Entry Level Master of Science in Nursing, Accelerated Entry Level Master of Science in Nursing, Master of Science in Nursing

    Bachelor of Science in Nursing (BSN), Registered Nurse to Bachelor of Science in Nursing RN-BSN, SF State/Sequoia Baccalaureate Nursing Program.

    San Francisco State University Nursing Program began as a School Nurse Program in 1955.

    Bachelor of Interior Design: Online Degree, interior design schools in washington state.#Interior #design #schools #in #washington #state


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    Bachelor of Interior Design: Online Degree

    Research online bachelor’s degree programs in interior design. Find out what you can learn in these courses and what you’ll need in order to participate in online learning to determine if it’s right for you.

    Essential Information

    Fully online bachelor’s degree programs in interior design are available, although they may require an in-person internship. A bachelor’s degree is generally the minimum educational level required to work as an interior designer. Some states require licensing for those who call themselves interior designers; check for state-specific regulations when choosing an educational program.

    Before enrolling in an online program, students may need to equip their computers with specialty software such as Adobe Creative Suite. They will also need access to specific hardware, such as a scanner and a digital camera.

    Find schools that offer these popular programs

    • Advertising and Commercial Design
    • Commercial Photography
    • Fashion Design
    • General Visual Communications Design
    • Graphic Design
    • Illustration and Drawing
    • Industrial Design
    • Interior Design and Decorating

    Bachelor’s Degree Programs in Interior Design

    Online interior design programs can help students develop skills in creativity and graphic communication. Students also can strengthen their critical-thinking, conceptualization and spatial visualization abilities. Online interior design programs, such as a Bachelor of Fine Arts in Interior Design, are primarily offered through private, for-profit institutions.

    Almost all programs stress some combination of an internship or professional practice and portfolio development toward the final years of study. Students should have an interest in traditional drawing and drafting, as well as in color theory and construction materials. Related certificate, associate’s and master’s degree programs also are available online.

    Program Information and Requirements

    Online bachelor’s degree programs in interior design generally take four years to complete. Most programs can be done fully online; however, students might need to complete an internship in person.

    For an online interior design program, students need a broadband connection and a faster-than-average processor. Specialty software, such as Adobe Creative Suite, might be necessary for some classes. Some programs require additional hardware, such as a flatbed scanner or digital camera. Most schools offer books and software for online purchase.

    Common Core Courses of Interior Design Programs

    In addition to general education requirements, students might complete classes in both residential and commercial design principles. Most programs offer core and elective interior design courses similar to the following:

    Computer-Aided Design

    Students train in computer-aided design through a series of classes that build upon each other. Beginning with basic 3-D modeling, students progress through increasingly complicated renderings of interior environments.

    Survey of Art, Architecture and Design

    Programs tend to emphasize survey classes in architecture, design and art history, which provide students with a knowledge base for building their design aesthetic. Additionally, these classes afford students a point of reference for future clients’ specific design requests.

    Color Theory

    In color theory classes, students are taught how the interaction of shadow, color and light delineates a space. They also explore how color and mood relate, as well as how to utilize color to enhance a room’s function.

    Materials

    Materials classes train students in the fundamental building blocks of a space, including textiles, finishes, woods, stones and metals. Students learn how the function of a space typically determines the types of materials used within that space.

    Career Information

    Students with a bachelor’s degree in interior design might pursue careers with a design firm, an architectural firm or the design department of a corporation. Entry-level positions, such as design assistant or junior assistant, may be available to recent graduates.

    As of May 2015, the U.S. Bureau of Labor Statistics (BLS) reported that the 51,050 interior designers employed nationally earned a median annual wage of $48,840 (www.bls.gov). The BLS predicted that employment opportunities for these designers would grow by 4% between 2014 and 2024, job growth that’s slower than the average for all occupations.

    Certification and Continuing Education Information

    Some states mandate that interior designers be registered or licensed. This generally requires passage of the National Council for Interior Design Qualification (NCIDQ) Examination. Students must have a combination of six years of education and experience, including at least two years of formal education, to qualify for the exam. Interior designers who live in states that do not require registration or licensure can still take the NCIDQ exam to attain voluntary certification. Continuing education is generally required to maintain certification and/or licensure.

    Interior designers who would like to progress to a master’s program in the field can find options both on campus and online. Graduate certificate programs also are available.

    Over the course of online bachelor’s degree programs in interior design, students learn how to apply artistic concepts to the development and implementation of room layouts. Upon completion, graduates can seek entry-level employment or continue their online studies in the field at the graduate level.

    School of Library and Information Science – Wayne State University #wayne #state #university #online #programs


    #

    For more than 90 years, the School of Library and Information Science has empowered leaders for the evolving information profession.

    It is an exciting time to be in the information field and a particularly exciting time to study at Wayne State. Whether you are a first-time graduate student or wish to return for more advanced education, we have a program to suit your needs and career interests.

    At Wayne State University we are fortunate to be part of a large, dynamic research institution with proven leaders. We have an excellent full-time faculty of researchers and educators. We draw upon the leading information professionals in the region who teach part-time and supervise our student interns. In addition, we have a dedicated, professional staff who make student success their top priority.

    Sarah Beiting

    Library Services

    Even ten years after the fact, I still use the education I gleaned from LIS classes. From the knowledge gained from two classes in cataloguing, I can build relational.

    Adam Joseph-Abraham Mosseri

    Archives and Digital Content Management

    I received some advice when I first started out as a new member of the MLIS program and I will offer the same advice now; Jump In With Both Feet! Do everything and anything.

    Derek Sodja

    Information Management

    Q: What s your name? What degree did you receive? When did you graduate? A: My name is Derek Sojda. I m a 2010 grad with an MLIS and Graduate Certificate in.

    South Carolina Car Insurance #car #insurance, #car #insurance #in #sc, #south #carolina #car #insurance #quotes, #state #car #insurance #rates


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    South Carolina Car Insurance

    The Piedmont region of South Carolina has the state’s cheapest state car insurance rates. and while car insurance is relatively inexpensive statewide, the difference between different insurance companies can be substantial. We’ve got every ZIP code in South Carolina mapped out below. See the difference between the highes and lowest rate for the same policy, as well as the average rate, by entering your ZIP code, age and coverage level.

    South Carolina car insurance requirements

    Penny Gusner
    CarInsurance.com
    Consumer Analyst

    South Carolina Car Insurance Laws

    South Carolina not only requires liability insurance for bodily injury and property damage (as almost all states do) and uninsured motorist coverage (as many do), it demands its drivers buy uninsured motorist property damage as well.

    That $25,000 would repair or replace your car if you get hit by someone without insurance — but it won’t fix your car if you are at fault. Only collision coverage does that.

    Bring your insurance card. South Carolina requires an insurance company name and policy number at time of registration. If your policy is canceled, you must turn in your driver’s license and registration or find new coverage. You’ll pay a $200 reinstatement fee, plus $5 for every day you failed to have car insurance..

    Register as an uninsured motorist: South Carolina allows a driver to pay a $550 annual fee to register as an uninsured motorist. The driver is still liable for any damage he causes, and the fee doesn’t buy any kind of coverage. We think this is a really, really bad option.

    Uninsured motorist penalties for South Carolina: If you don’t register and pay the $500 fee to drive uninsured, you may have to pay a $445 fee, your license and registration may be suspended, your plates may be confiscated and you may have to file an SR-22 form.

    Save your driver’s license: South Carolina reduces your total driver’s license points by half after one year, though a record of the violation stays on your motor vehicle record for three years. You can also reduce your points total by four by taking a defensive driving course. License suspensions start at 12 points; a 25-mph over the speed limit ticket is six points; a broken taillight is two.

    Minimum age for owning and registering a car: In South Carolina, you must be 17 to own and register a car. Most insurance companies will require a parent or guardian to sign a car insurance policy because it is a legal document.

    Cracked windshield law: If you have comprehensive coverage. your insurance will pay for a windshield replacement without a deductible being due. The fine for a cracked windshield is $237.

    White lightning alert: You can lose your South Carolina driver’s license for hauling moonshine.

    Proof of insurance via smartphone: South Carolina law allows drivers to show electronic proof of insurance during a traffic stop. Thirty-one states total allow this.

    Largest car insurance companies for South Carolina by market share

    State of New Jersey – Motor Vehicle Commission – Business Licensing #cheap #auto #parts #free #shipping


    #auto body shops
    #You need a license to run an auto body repair facility. MVC issues different auto body repair licenses based on the types of repairs the facility will perform:

      Full service Auto body limited Auto body new dealer sublet


    A heavy duty vehicle endorsement is required for all licensed auto body repair facilities repairing vehicles weighing 14,000 pounds (GVWR) or more.

    TO: LICENSEES/APPLICANTS FOR AN AUTO BODY REPAIR FACILITY LICENSE

    RE: INSURANCE COVERAGE REQUIREMENTS FOR DAMAGE TO PROPERTY AND FOR LIABILITY ARISING FROM BODILY INJURY

    Pursuant to N.J.S.A.39:13-2.1, effective immediately, please note the following amendments to the insurance coverage requirements for damage to property and for liability arising from bodily injury which an auto body repair facility must maintain for a full service license.

    • Full service license auto body facilities shall maintain insurance coverage for damage to property and for liability arising from bodily injury, including, but not limited to: eligible garage liability or equivalent commercial general liability insurance in a minimum amount of $300,000 or a letter of credit in the amount of $300,000; garage keepers liability insurance in a minimum amount of $50,000 or a letter of credit in the amount of $50,000.
    • Limited full service license applicants and licensees must also comply with these requirements.

    How to get an auto body repair license

      Download the Auto Body Repair Application [1.19m pdf]. Mail the completed form to:

    Motor Vehicle Commission

    Business Licensing Services Bureau

    P.O. Box 172

    225 East State Street

    Trenton, NJ 08666-0172

    You and your place of business will be fully investigated after receipt of the completed application

    Requirements for auto body repair licensing:

      You must be 18 years of age Have legal capacity to contract and be liable for all debt incurred Exhibit character and responsibility Have no criminal record Considered a proper person according to N.J.S.A. 39:13.4


    Each application must also be accompanied by proof of the following:
      Certificate of occupancy Written approval by the municipal clerk or zoning officer confirming that the location, establishment and maintenance was approved Child support forms New Jersey sales tax ID number. New Jersey Unemployment registration number Federal employer ID number Color photograph for each officer the shop Fingerprint request notification form Color photographs of the facility displaying the advertised sign $350 Initial Fee $20 Non-refundable application fee


    In the case that there are multiple locations for an auto body repair facility, you will need to submit separate applications for each place of business

    Full service requirements

    The facility must be suitable to conduct all operations and have municipal and state licenses, permits and registrations, including:

      Federal Tax ID number New Jersey Sales Tax number Hazardous waste disposal systems Stack permits and any other applicable license, permits and registrations Maintain insurance coverage for damage to property and for liability arising from bodily injury. This includes but is not limited to: Garage keepers liability insurance Workers’ compensation insurance Fire insurance Any other coverage required by MVC Have and maintain an auto body repair facility reference source (ledger or computerized) for estimating the cost of repairs Equipment to safely raise and support vehicles for inspection during repair. A metal inert gas welder For all spray painting: An enclosed area for refinishing which complies with all applicable safety, fire, environmental and other regulations The means to supply fresh air to workers within the spray area A filtration method to reduce particles from the air exhausted from the spray area with standards established by the state or federal government Necessary equipment to perform structural repairs, four-wheel alignment, vehicle air conditioner servicing and mechanical repairs Provide evidence that at least one employee or 10% (whichever is greater) of employees have completed a recognized auto body repair related training course during the year immediately preceding the application for an initial renewal of license


    An auto body repair facility may also qualify for a full service license if it meets all of the above conditions and has a written agreement to subcontract with another licensed ABR.

    Limited auto body requirements

    You may qualify for a limited auto body repair license if it meets all of the requirements for a full service facility except those items for spray painting, as long as you have a written agreement with a full service license auto body repair facility to complete the spray painting for you.

    Civil penalties

      If you violate any regulations set forth by the state, you will face the following penalties First offense: no more than $5,000 Second and each subsequent offense: no more than $20,000 The civil penalty will be issued in the name of the Chief Administrator and shall be collected and enforced by summary proceedings In the event of continued or serious violations, the Chief Administrator may suspend your license and require you to cease operations during the time of suspension

    Tennessee Auto Finance – Auto Loans in The Volunteer State #ppg #auto #paint


    #bad credit auto loan
    #

    Auto Loans in The Volunteer State

    Tennessee Car Loans for Any Credit

    Trusted Lenders, Trusted Loans – Same Day Service!

    How Our Process Works

    Here s the way it works, step-by-step.

    • Apply Online for Financing. You can apply in 3 minutes, and no down payment is required. Our system accounts for where you live, as well as your income and credit score. There is no minimum credit score required, as we have lenders who deal with each of the different credit tiers.
    • Speak with Your Tennessee Car Loan Professional. You will be contacted by a consultant to go over your options. They should be able to provide you with an APR quote at this point, as well as the options as far as vehicles and lending terms. You may need to provide some additional documentation to finalize your approval.
    • Select a Vehicle from a Dealer In Your Town. Now that you re approved, you can select your new or used vehicle from a dealership locally. A pre-arranged loan will serve to streamline the process of buying your vehicle, and possibly improve your bargaining leverage with your dealer.

    The Advantages of Pre-Approved Loans

    Ever more Tennessee car shoppers are choosing to pre-arrange their financing. You can concentrate exclusively on the vehicle you want, rather than worrying about your credit approval. If you re approved through a third-party lender, then it s like a cash purchase. If you were approved through the dealer, you will be taken a lot more seriously, because the salesperson will realize you re all set to drive home in a new car. Basically, it improves the entire process, removing one of the main hassles of buying a new car.

    Tennessee Auto Loan Rates

    The cost of financing a vehicle is significant, particularly when you have subprime credit. Of course, your FICO score is the most important factor for the rate of interest you ll be offered. Have you checked your score lately? We highly recommend that you do so.

    It also allows you to:

    • See what lenders see when assessing your credit history.
    • Determine what APR rate should be expected.
    • Get unlimited access to your credit scores.

    Utica First Insurance Company #insurance, #utica, #small #business #insurance, #homeowners #insurance, #business #owners #insurance, #new #york #state #insurance, #connecticut #insurance, #massachusetts #insurance, #new #jersey #insurance, #pennsylvania #insurance, #ohio #insurance, #virginia #insurance, #umbrella #policy, #artisan #policy, #commercial #umbrella, #inland #marine, #boatowners #insurance, #restaurant #insurance, #landlord #insurance, #personal #umbrella


    #

    Welcome!

    Utica First Insurance Company, located near Utica, NY, is a regional property and casualty insurance carrier specializing in small contractors, restaurants, retail stores, offices, and homeowners insurance.

    Utica First Insurance Company was founded in 1903 as Utica Fire Insurance Company of Oneida County, NY to serve the property insurance needs of upstate New York residents. We have developed from that small base into a company which actively writes business in the states of New York, Connecticut, Massachusetts, New Jersey, Maryland, Ohio, Pennsylvania, and Virginia.

    Utica First products are offered exclusively through Professional Independent Agents and Brokers. Our product lines include Businessowner policies, small Artisan Package policies, and Homeowners policies, among others.

    For over 100 years, Utica First Insurance Company has been providing superior insurance protection to Homeowners and Businesses in the Northeastern U.S. We are a strong and stable Regional Insurance Company, rated as A (Excellent) by A.M. Best, with a proud tradition of customer service excellence.

    Online Artisan Survey – Click here to access the online survey

    Artisan policyholders can complete their required survey through our Online Artisan Survey. Artisan policyholders may also continue to call our Artisan Survey Unit at 1-800-456-4556 Option 1 to complete their survey.

    Online Bill Pay – Click here to make a one time payment!

    We accept payment by check, credit card, and debit card over the Internet. See our Billing Inquiry page for more information.

    Accelerated MBA #the #mba #accelerated, #tennessee #state, #tennessee #state #university, #tsu


    #

    You have unlimited possibilities for success at Tennessee State University. We’re a leading institution of higher learning and provide students with the opportunity to experience academic and personal growth. You’ll receive instruction from top-notch faculty and be immersed in research, service learning, and student life activities, including internships, cultural, and study abroad opportunities.

    Undergraduate

    Graduate

    Our world-class faculty will teach you how to apply what you learn in the classroom to real-world situations. As a student, you will become a problem solver and critical thinker. You may begin the admissions process by submitting your application. The university also assists in providing information on financial aid services, work-study, fellowships and scholarships based on eligibility and other rules and regulations established by the agencies.

    Tennessee State University students go by the motto: “Think. Work. Serve.” But we also realize a little fun should be part of the collegiate experience to create a holistic approach to learning. With a variety of social, professional and civic clubs for students to participate in, there are many opportunities for you to share your time and talents and enjoy connecting with your fellow students to create the work-life balance needed for success in college and beyond.

    Tennessee State University counts on the generous contributions of alumni and friends to fulfill our mission of providing a top-notch, affordable education to the best and brightest students. Every gift, no matter the size, makes a difference. When you support TSU, you help provide critically needed scholarships, departmental support and other special project funding that benefits our students.

    Tennessee State University is engaging in cutting-edge research to address critical challenges in our society. Our research arm supports faculty and students by taking their ideas from conception to fruition in critical areas such as biotechnology, homeland security and agriculture, to name a few. Our Centers of Excellence encourage collaborative and experimental learning opportunities and help expand the boundaries of science, education and technology.

    Tennessee State University Athletics is part of the Ohio Valley Conference (OVC) NCAA Division Ⅰ and offers football, men’s basketball, women’s basketball, track and field, golf, tennis, softball and volleyball. We provide student-athletes with a positive academic and social environment to excel on and off the field. Our mission is to blend physical, emotional and intellectual development into one experience. We not only build winning-teams, but leaders in the classroom, in the community and in your profession of choice.

    Tennessee State University is a world-class university known for academic excellence, incredible students, inspiring faculty, exceptional value and an amazing campus and community. We invite you to learn more about TSU and our academic programs, admissions process, tuition and financial aid, campus visits, student housing and more.

    Tennessee State University is dedicated to helping students develop the skills needed for the real world. Our vibrant campus life, leadership opportunities, rigorous academic programs, access to scholarships and student services are just a few of the student services we offer. We are preparing career-ready professionals today for knowledge-based jobs tomorrow. The Tiger legacy continues with you.

    TSU loves parents! And we encourage you to stay involved with your Tennessee State University student. We strive to make the transition to college and beyond flow as smoothly as possible for everyone. We’ll keep you up-to-date on campus happenings through a monthly eNewsletter, a helpful Parent Guide and through many other programs and events. We’re here to help you and your student make the most out of your TSU experience.

    At Tennessee State University, our blood runs blue! We enjoy connecting, socializing and sharing news about the great things our alumni are doing across the globe. From our annual Homecoming celebration to donor events and volunteer activities, TSU alumni always find time to celebrate what it means to be a Big Blue Tiger. We welcome you back to campus anytime to rekindle your most memorable experiences.

    Welcome to Tennessee State University, located in the heart of Nashville, one of the nation’s most progressive cities! Whether you are here for your first visit, planning a campus tour or returning after many years away, TSU welcomes you to enjoy our facilities, hospitality and our unique history and contributions.

    Tennessee State University is proud to have 1,200 distinguished administrators, faculty and staff members as part of our team. With outstanding reputations for teaching, research and service, these professionals make valuable contributions to our community of scholars and ensure that TSU is a thriving public institution of higher learning.

    Accelerated MBA

    The Accelerated MBA is a progressive graduate program directed to adult learners. This innovative accelerated learning option offers the MBA degree in a shorter time-frame while achieving the same number of class hours and learning outcomes as the College’s traditional MBA program. The accelerated option consists of 36 credit hours that are completed in 12 short months leading to the General MBA.

    Convenient Classes

    Fridays from 5:30 p.m. – 9:30 p.m.

    Saturdays from 8:00 a.m. – 4:00 p.m.

    Fully online during the summer

    The campus classroom experience is enhanced with web-based learning opportunities.

    Students in the MBA Accelerated Option have the opportunity to forge many valuable and meaningful life-time business relationships as they progress through the program as a cohort with a pre-determined schedule of courses.

    The Program is offered on the Avon Williams Campus of Tennessee State University which is located in the heart of downtown Nashville, at the foot of the State Capitol. This recently renovated facility houses a state-of-the-art executive education classroom featuring the most modern technology, a Bloomberg driven financial trading room offering real-time financial market information, technology based classrooms, and a comprehensive graduate-library along with a bookstore and varied support services for adult learners.

    All MBA Accelerated course objectives/learning outcomes are aligned with those taught in the MBA program. The MBA Accelerated Option requires 11 courses (33 credit hours) and one elective course (3 credit hours). Course descriptions can be found in the Graduate Catalog .

    Accelerated Option Curriculum

    • Weeks 1-4 Statistical Decision Making
    • Weeks 5-8 Managerial Accounting/Controllership
    • Weeks 9-12 Management Evaluation of Information Systems
    • Weeks 13-16 Managerial Finance
    • Decision Support Systems
    • Corporate Asset Management or Logistics
    • International Accounting
    • Managerial Economics
    • Weeks 1-4 Marketing Management
    • Weeks 5-8 Behavior in Organizations
    • Weeks 9-12 Operations Management
    • Weeks 13-16 Business Strategy the Economic Environment

    Useful Links

    Master of ( #master, #education, #med, #m.ed., #elementary, #teacher, #teach, #teaching, #tennessee #state #university, #tsu, #nashville, #tennessee, #state, #public, #university, #school, #college, #tn, #hbcu, #black, #international, #program, #tennessee #state, #nashville, #tennessee, #state, #public, #university, #school, #college, #tn, #hbcu, #black, #african-american, #universities, #colleges, #tenessee, #tennesee, #tennesse, #tennese, #tenesse,tennese


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    You have unlimited possibilities for success at Tennessee State University. We’re a leading institution of higher learning and provide students with the opportunity to experience academic and personal growth. You’ll receive instruction from top-notch faculty and be immersed in research, service learning, and student life activities, including internships, cultural, and study abroad opportunities.

    Undergraduate

    Graduate

    Our world-class faculty will teach you how to apply what you learn in the classroom to real-world situations. As a student, you will become a problem solver and critical thinker. You may begin the admissions process by submitting your application. The university also assists in providing information on financial aid services, work-study, fellowships and scholarships based on eligibility and other rules and regulations established by the agencies.

    Tennessee State University students go by the motto: “Think. Work. Serve.” But we also realize a little fun should be part of the collegiate experience to create a holistic approach to learning. With a variety of social, professional and civic clubs for students to participate in, there are many opportunities for you to share your time and talents and enjoy connecting with your fellow students to create the work-life balance needed for success in college and beyond.

    Tennessee State University counts on the generous contributions of alumni and friends to fulfill our mission of providing a top-notch, affordable education to the best and brightest students. Every gift, no matter the size, makes a difference. When you support TSU, you help provide critically needed scholarships, departmental support and other special project funding that benefits our students.

    Tennessee State University is engaging in cutting-edge research to address critical challenges in our society. Our research arm supports faculty and students by taking their ideas from conception to fruition in critical areas such as biotechnology, homeland security and agriculture, to name a few. Our Centers of Excellence encourage collaborative and experimental learning opportunities and help expand the boundaries of science, education and technology.

    Tennessee State University Athletics is part of the Ohio Valley Conference (OVC) NCAA Division Ⅰ and offers football, men’s basketball, women’s basketball, track and field, golf, tennis, softball and volleyball. We provide student-athletes with a positive academic and social environment to excel on and off the field. Our mission is to blend physical, emotional and intellectual development into one experience. We not only build winning-teams, but leaders in the classroom, in the community and in your profession of choice.

    Tennessee State University is a world-class university known for academic excellence, incredible students, inspiring faculty, exceptional value and an amazing campus and community. We invite you to learn more about TSU and our academic programs, admissions process, tuition and financial aid, campus visits, student housing and more.

    Tennessee State University is dedicated to helping students develop the skills needed for the real world. Our vibrant campus life, leadership opportunities, rigorous academic programs, access to scholarships and student services are just a few of the student services we offer. We are preparing career-ready professionals today for knowledge-based jobs tomorrow. The Tiger legacy continues with you.

    TSU loves parents! And we encourage you to stay involved with your Tennessee State University student. We strive to make the transition to college and beyond flow as smoothly as possible for everyone. We’ll keep you up-to-date on campus happenings through a monthly eNewsletter, a helpful Parent Guide and through many other programs and events. We’re here to help you and your student make the most out of your TSU experience.

    At Tennessee State University, our blood runs blue! We enjoy connecting, socializing and sharing news about the great things our alumni are doing across the globe. From our annual Homecoming celebration to donor events and volunteer activities, TSU alumni always find time to celebrate what it means to be a Big Blue Tiger. We welcome you back to campus anytime to rekindle your most memorable experiences.

    Welcome to Tennessee State University, located in the heart of Nashville, one of the nation’s most progressive cities! Whether you are here for your first visit, planning a campus tour or returning after many years away, TSU welcomes you to enjoy our facilities, hospitality and our unique history and contributions.

    Tennessee State University is proud to have 1,200 distinguished administrators, faculty and staff members as part of our team. With outstanding reputations for teaching, research and service, these professionals make valuable contributions to our community of scholars and ensure that TSU is a thriving public institution of higher learning.

    Master of Education (M.Ed.)

    Majoring in Elementary Education

    MAJOR: ELEMENTARY EDUCATION
    DEGREE: Master of Education (M.Ed.)

    Unconditional admission to the program requires the applicant to have a bachelor’s degree from an accredited four-year college or university, an undergraduate cumulative grade point average of 2.5 or better on a 4.0 scale, and satisfactory scores on the Graduate Record Examination (GRE) or Millers Analogies (MAT). The GRE or MAT result is used in the evaluation of the academic qualifications of all graduate applicants. *Note: International students must meet fulfill admissions requirements to be accepted into Department programs.

    Applicants should refer to the follow ranges to determine the minimum score, based on their GPA of record:

    GPA Minimum Test Scores (for MAT or GRE)
    2.5 or higher MAT – 370 GRE – 290
    2.25 – 2.49 MAT – 383 GRE – 293
    2.0 – 2.24 MAT – 394 GRE – 297

    Conditional admission may be gained with a lower grade point average, but the GRE or MAT score must be correspondingly higher based on the above weightings. Applicants with less than a 2.5 undergraduate GPA must submit test scores at the time of application; applicants with a GPA of 2.5 or above may submit test scores in the first semester of attendance, but it is preferable that they submit test scores at the time of original application. The student must remove conditional status by fulfilling required score on graduate exam (GRE or MAT) and earning at least a B (3.0) average in the first nine hours of graduate courses. Failure to achieve this will result in withdrawal from the program.

    Admissions to teacher education programs at the graduate level requires a 2.75 GPA or higher on the last earned degree. Additional evidence of academic performance may be required (other test scores). Applicants who are seeking initial teaching license should contact the Office of Teacher Education and Student Services for current requirements.

    Applicants who are potential candidates for the Master’s Degree in Elementary Education must be certified to teach or must meet certification requirements before the degree is awarded (initial licensure).

    * All application materials must be submitted to the Graduate School by the deadlines below.
    Fall: July 1 Spring: November 1 Summer: April 1

    Transfer credits
    Candidates wishing to transfer credit(s) toward the M.Ed. program may transfer a maximum of twelve (12) graduate credit hours from an accredited institution for courses that correspond to program/state requirements.

    Degree Requirements
    Candidates for the Master of Education degree, and initial certification, must take a minimum of thirty-six (36) semester hours of course work. Candidates for the Master of Education degree who are adding elementary to an existing endorsement must complete a minimum of 33 semester hours of course work. All candidates must successfully pass comprehensive examinations in the fields of general education and elementary education; pass all Praxis examinations, and achieve a score of 37 or higher on the edTPA portfolio before the Master of Education degree will be conferred.

    For More Information

    webpage contact:
    Teaching Learning

    Useful Links

    Tennessee State University has been designated a certified “Vets Campus” by the THEC, and “Military Friendly” by G.I Jobs and Victory Media.

    About the Commission #the #state #insurance #fund


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    About the Commission

    Welcome to the Virginia Workers’ Compensation Commission’s (VWC) website.

    The Commission is headed by three Commissioners and an Executive Director. The Commissioners are chosen by the General Assembly and serve six-year terms. Wesley G. Marshall, R. Ferrell Newman, and Robert A. Rapaport currently serve as Commissioners. The Commissioners elect a Chairman for a term of three years. Mr. Marshall is currently the Chairman and Evelyn McGill is the Executive Director.

    Executive Director’s Message :
    The Commonwealth of Virginia is a wonderful place to live and a great place to work and raise a family. Owning a business in our state also offers various opportunities to develop, grow and prosper as an entrepreneur or business. Whether you are an employee of a business or an owner of a company, VWC is responsible for carrying out the requirements of the Virginia Workers’ Compensation Act. while administering Virginia’s workers’ compensation program, meeting legal requirements and providing various protections. Most employers doing business in Virginia and most employees working in Virginia are covered under the requirements of the Act. VWC ensures compliance with the Act and all workers’ compensation requirements through its mission and agency operations.

    VWC’s Mission

    To serve injured workers, victims of crimes, employers, and related industries by providing exceptional services, resolving disputes, and faithfully executing the duties entrusted to us by the Commonwealth of Virginia.

    VWC’s Vision

    Lead the nation as the most effective and innovative state agency.

    VWC’s Core Values

    • Innovative – Introducing or using new ideas or methods, in order to better serve our customers
    • Respectful – Marked by or showing respect or reverence at all times
    • Accountable – Required to explain actions or decisions
    • Reliable – Consistently able to be trusted to do or provide what is needed
    • Impartial – Treating all people and groups equally
    • Integrity – The quality of being honest and objective; conduct that is of the highest moral character
    • Effective – Successful in producing a desired or intended result

    VWC’s Code of Ethics

    VWC’s Code of Ethics is a foundation for accomplishing the VWC’s Mission. It is the purpose of this policy to demonstrate a commitment to maintaining an environment of uncompromising integrity and ethical conduct in upholding the VWC’s Core Values. VWC Policy 1.40 – Code of Ethics

    Penn State Online #penn #state #world #campus, #online #learning, #online #classes


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    How Online Learning Works

    For more than 100 years, Penn State has been delivering education at a distance, beginning with our correspondence courses in 1892. Using the latest technologies, we put a Penn State education within reach for people who aren’t able to attend classes on campus or commit to full-time enrollment. Today, adult learners just like you are earning their degrees online through Penn State World Campus.

    Anywhere, Anytime, Online

    You can complete many of our degree programs at your own pace. World Campus courses are asynchronous — meaning you don’t have to attend online classes at a specific time. Our students use a combination of self-study and peer-to-peer interaction over an online learning network to facilitate instruction. You’ll complete weekly assignments, readings, discussions, and occasional group work, as well as exams and other activities designed to enhance learning outcomes, all at times that are most convenient to you.

    What to Expect

    As an online student, you will interact with people from different backgrounds and situations, affording you with opportunities to experience many perspectives and concepts throughout your studies. Using chat, video conferencing, phone calls, email, social media, bulletin boards, and more, you’ll stay connected with fellow students and faculty, building personal networks along the way.

    Your courses are developed by faculty and technologists who understand the specific needs of learners in an online environment. Special consideration is given to advance planning and setting expectations in the online classroom, so each curriculum is outlined in a syllabus distributed at the start of the course. This document provides an overview of the course assignments, grading strategy, student and faculty expectations, and course materials, as well as an understanding of the course goals and learning outcomes.

    The Online Learning Experience Video

    Learn more about how online learning works at Penn State World Campus in this video:

    School of Nursing #california #state #university, #long #beach


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    School of Nursing

    To be the premier university-based professional nursing program.

    Our Mission

    The CSULB School of Nursing is a student-centered program whose mission is to educate undergraduate and graduate students to become quality professionals for entry into practice in diverse community settings.

    Dear Visitor and Prospective Student
    Welcome to the School of Nursing at the California State University, Long Beach! The student is the center of our focus,where diversity, internationalism and transculturalism in student and faculty are sought, valued and nurtured. Our graduates are much sought after for employment.
    We educate professional nurses at the Baccalaureate level to practice in collaborative or leadership roles in hospitals, clinics and community health care agencies, and at the Masters degree level, students are prepared for advanced practice roles such as, nurse practitioners, clinical nurse specialists, nurse educators, nurse executives and leaders in public health nursing.
    The School of Nursing is nationally and internationally recognized for its excellence in nursing education and quality of its faculty. Our Baccalaureate and Masters degree Programs have been awarded full national accreditation by the Commission of Collegiate Nursing Education of the American Association of Colleges of Nursing and state accreditation by the California Board of Registered Nursing.
    Thank you for your interest in our Nursing Program. We look forward to having you visit our campus. We hope that our website will provide answers to your inquiries. If you have any other questions, please call (562) 985-2201 for BSN programs and (562) 985-8379 for MSN programs.
    Cordially Yours,
    Loucine M. Huckabay, RN, PNP, Ph.D. FAAN
    Director and Professor
    School of Nursing

    Contact Information

    Fall 2017 Information Sessions will be announced after 8-28-17.