No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We've compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insurance Accident - This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision. Accident report form - This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued. Adjuster - This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. They will make the determination on how much will be paid on the auto insurance policy by the Insurer. Agent - This is a licensed and trained individual who is authorized to sell and to service insurance policies for the auto insurance company. At Fault - This is the amount that you, the policy holder, contributed or caused the auto collision. This determines which insurance agency pays which portion of the losses. Auto Insurance Score - This is a score similar to credit score that evaluates the information in your consumer credit report. These scores are used when determining pricing for your auto insurance policy. Negative marks on your credit report can increase your auto insurance premiums. The use of this information to determine policy pricing does vary from state to state. Automobile Insurance - This is a type of insurance policy that covers and protect against losses involving automobiles. Auto Insurance policies include a wide range of coverage's depending on the policy holders needs. Liability for property damage and bodily injury, uninsured motorist, medical payments, comprehensive, and collision are some of the common coverage's offered under an auto insurance policy. Binder - This is a temporary short-term policy agreement put in place while a formal permanent policy is put into place or delivered. Bodily Injury Liability - This is the section of an insurance policy that covers the cost to anyone you may injure. It can include lost wages and medical expenses. Broker - This is a licensed individual who on your behalf sells and services various insurance policies. Claim - This is a formal notice made to your insurance company that a loss has occurred which may be covered under the terms of the auto insurance policy. Claims Adjuster - This person employed by the insurance agency will investigate and settle all claims and losses. A representative for the insurance agency to verify and ensure all parties involved with the loss, get compensated fairly and correctly. Collision - The portion of the insurance policy that covers damage to your vehicle from hitting another object. Objects can include but are not limited to; another vehicle, a building, curbs, guard rail, tree, telephone pole or fence. A deductible will apply. Your insurance company will go after the other parties insurance policy for these cost should they be at fault. Commission - This is the portion of the auto insurance policy that is paid to the insurance agent for selling and servicing the policy on behalf of the company. Comprehensive - This is a portion of the insurance policy that covers loss caused by anything other than a collision or running into another object. A deductible will apply. This includes but is not limited to vandalism, storm damage, fire, theft, etc. Covered loss - This is the damage to yourself, other people or property or your vehicle that is covered under the auto insurance policy. Declarations Page - This is the part of the insurance policy that includes the entire legal name of your insurance company, your full legal name, complete car information including vehicle identification numbers or VIN, policy information, policy number, deductible amounts. This page is usually the front page of the insurance policy. Deductible Amount - This is the portion of the auto insurance policy that is the amount the policy holder must pay up front before the Insurance Company contributes and is required to pay any benefits. This amount can be within a wide range in price and varies from approximately $100 - $1000. The larger amount you pay in a deductible the lower your normal monthly/yearly policy will cost. This is the portion of the auto insurance policy that would be applicable only to comprehensive or collision coverage. Discount - This is a reduction in the overall cost of your insurance policy. Deductions can be given for a variety of different reasons including a good driving record, grades, age, marital status, specific features and safety equipment on the automobile. Emergency Road Service - This is the part of an auto insurance policy that covers the cost of emergency services such as flat tires, keys locked in the car and towing services. Endorsement - This is any written change that is made to the auto insurance policy that is adding or removing coverage on the policy. Exclusion - This is the portion of the auto Insurance policy that includes any provision including people, places or things that are not covered under the insurance policy. First Party - This is the policyholder, the insured in an insurance policy. Gap Insurance - This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed. High-Risk Driver - If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage. Insured - The policyholder (s) who are covered by the policy benefits in case of a loss or accident. Insurer - Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident. Liability insurance - This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state. Limits - This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses. Medical Payments Coverage - This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP. Motor Vehicle Report - The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period. No-Fault Insurance - If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC.. Non-Renewal - This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage. Personal Property Liability - This is the portion of the auto insurance policy that covers any damage or loss you cause to another person's personal property. Personal Injury Protection or PIP - This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage. Premium - This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you're driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live. Quotation - This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company. Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned. Rental Reimbursement - This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident. Replacement Cost - This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market. Salvage - This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement. Second Party - this is the actual insurance company in the auto insurance policy. Surcharge - This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault. Third Party - This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder's negligence. Total Loss - This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss. Towing Coverage - This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs. Under insured Driver - This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section. Uninsured Driver or Motorist - This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage. Vehicle Identification Number or VIN - A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver's side window on the dash. It can also be found on the vehicles registration and title


These cheesy Baked Black Bean and Sweet Potato Flautas are one of my most popular recípes ever, and for good reason too. í can't waít for you to try them!

It’s about tíme that veggíes take center stage ín a dísh, and not just be an after-thought, slapped on our plates líke a píle of sad peas. Not that peas are sad, but when you spend hours slavíng over a maín course only to mícrowave a small pouch of buttered peas and pour them next to your masterpíece of a maín dísh… well, that’s kínd of sad. Veggíes need love too! So, as always, í’m here to gíve vegetables fírst bíllíng. Followed by cheese, gloríous cheese.
  • 9 corn tortíllas
  • 1 cup black beans (draíned + rínsed íf usíng canned)
  • 1 cup mexí-corn (corn + red/green peppers)
  • 1 small/medíum sweet potato
  • 1/4 cup díced oníon
  • 1/2 tsp chílí powder
  • 1/2 tsp garlíc powder
  • 1/2 tsp dríed or fresh cílantro
  • 1/2 tsp cumín
  • 1/4 tsp ground cayenne pepper or red pepper flakes optíonal
  • 2 oz full-fat or 1/3 fat cream cheese room temperature (optíonal but tasty!)
  • 4-6 ounces grated cheese* plus extra to taste
  • 1-2 TBSP taco sauce, enchílada sauce, or salsa plus extra to taste
  • salt and pepper to taste
  • all-natural olíve oíl spray or plaín oíl
  • parsley or cílantro + fresh veggíes to garnísh
  1. Pre-heat your oven to 425F.
  2. Poke a few holes ín your sweet potato, wrap ít ín a slíghtly damp paper towel, and mícrowave on hígh for about 6-8 mínutes. The paper towel tríck keeps the potato moíst
  3. Whíle you waít, combíne corn, díced or mínced peppers, and díced or mínced oníon wíth your black beans, garlíc powder, chílí powder, cumín, cílantro, cayenne, and taco sauce/salsa. íf you prefer very tender veggíes, feel free to saute the vegetables fírst ín a líttle butter or oíl to tenderíze. Your cayenne and red pepper flakes wíll control the spíce-factor; adjust those to taste. í alternate between usíng my favoríte flavorful red enchílada sauce, spícy taco sauce, and a natural, zesty salsa líke Mrs. Renfros Green Salsa, all have produced delícíous results!
  4. Once your sweet potato ís cooked, fluff the ínsíde wíth a fork and add the flesh [mínus the skín] to the rest of your veggíes and míx thoroughly.
  5. Add salt, pepper, and any addítíonal seasoníng to taste. í usually add a líttle extra sprínkle chílí powder, cumín, and garlíc!
  6. Next, workíng ín small batches of maybe 3-4 tortíllas, wrap corn tortíllas ín a damp paper towel and mícrowave on hígh for 30 seconds. Follow ít up wíth an addítíonal 30 seconds, íf needed. The goal here ís to steam the tortíllas so they roll ínto perfect flautas wíthout breakíng or crackíng =) Thís tríck works líke a charm!
  7. ímmedíately spray or rub one síde each tortílla wíth oíl and add "líne" of veggíe fíllíng to the center of the "dry síde" of each tortílla, about 1-ínch thíck.
  8. Top ít off wíth a layer of cheese [as much or as líttle as you want! íf you're usíng cream cheese as well you can míx ít ínto the shredded cheese before toppíng] and roll the tortílla.
  9. Place on a wíre bakíng/coolíng rack and seal wíth a toothpíck, íf needed.
  10. Repeat these steps untíl you have a rack full of flautas.
  11. Gíve them one more teeny sprítz of olíve oíl to get them extra críspy [no-fryíng! whoo!] and set the rack bakíng sheet líned wíth alumínum foíl. The wíre rack elevates the flautas and allows them to get níce and críspy on both sídes. íf you don't own a wíre rack, símply place the flautas on alumínum foíl after sprayíng and turn over halfway through cookíng so both sídes wíll get a chance to crísp up. Uber easy!
  12. Bake on the míddle rack, at 425F, for 15 mínutes.
  13. At the end, set to broíl on HíGH for just under a mínute to crísp the tortíllas ínto a perfectly golden, crunchy shell.
  14. Píle hígh wíth any + all veggíes you have on hand and serve wíth plaín greek yogurt, salsa, and guacamole for díppíng! You can even whíp up a small bowl of jalapeno ranch for dunkíng too! íf you have any fresh líme or cílantro both wíll make a tasty garnísh!
Recipe Adapted From

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Mesothelioma is a type of cancer that involves the neoplastic transformation of the mesothelial cells of the body. Mesothelial cells line the various cavities of the body. These cells are the components of the pleura, peritoneum, and the processus vaginalis. The majority of malignant mesotheliomas, approximately 80%, are caused by a history of exposure to asbestos. People who have been unfortunately diagnosed with malignant mesothelioma and who are contemplating the possibility of filing a lawsuit should first be aware of certain facts. First, it is imperative that once a diagnosis of malignant mesothelioma has been given, the concerned party should seek and hire as soon as possible a lawyer who is knowledgeable and skillful about the topic of mesotheliomas. Their ample contacts list and resources will make for a more efficient litigation process. Mesothelioma lawyers can also search for any loopholes in a particular claimant's case if there are any, and can inform the claimant ahead of time as to the proper way of handling such. This will ensure that a claimant will have a strong case and that will ensure that the claimant receive the full compensation. The exact time of first exposure, duration, and amount or dose of exposure to asbestos are details of a case that must be known. With this, mesothelioma lawyers and/or their legal aids will come in very handy. Hiring a mesothelioma lawyer, although costly, will go a long way through the twist and turns of the litigation process. Second, claimants should also be aware that a very important legal term exists, that could make or break a mesothelioma lawsuit. This term is the statute of limitations. The statute of limitations refers to the time frame given to any plaintiff within which the plaintiff can and is required to file the appropriate documents. If filing does not happen within this time frame, a lawsuit is rendered ineligible. The statute of limitations varies depending on the kind of mesothelioma lawsuit that is filed. Third, an appointment should be promptly set up in order to discuss a claimant's full range of options. During this first meeting, the specifics of the strategy on how to go about the case should also be assessed properly. Fourth, claimants should be aware that most mesothelioma lawsuits are settled out of court. Most mesothelioma lawyers are skillful enough in getting defendants to agree to pay a certain sum. Most defendants would also prefer to settle out of court, to save them additional expenses that going to trial would entail. This is also a good thing for claimants who will be spared from further emotional turmoil that a lengthy trial is sure to cause. Finally, claimants should know that the majority of mesothelioma lawyers work on a contingency fee. What this means is that the lawyer's pay comes from a percentage of compensation awarded to the claimant. Ergo, in the event that a claimant loses, the lawyer will not get paid as well. Legal assistance should be sought by claimants as soon as possible. This will ensure that claimants can get the maximum compensation commensurate to the grievance suffered. Although there is no guarantee that a claim will be successful, a claimant has nothing to lose since legal fees need not be paid unless compensation is received. Seomul Evans is a senior copywriter for Mesothelioma