The New York auto plan  facilitates auto insurance for drivers who can’t find coverage in the voluntary market. The plan assigns a driver to an insurer using a quota system. Every insurer that writes auto insurance in New York must participate in the plan. The NYAIP offers basic personal injury protection (PIP)—sometimes called no-fault insurance—up to $50,000 per person and basic property damage liability up to $100,000. It also provides optional basic economic loss (OBEL) coverage up to $25,000 for loss of earnings, child care expenses, funeral costs and other losses. Drivers may buy higher limits of physical coverage and choose deductible options.

Premiums for auto plan are based on actuarial information compiled from similar drivers. If you’re in the plan, your experience and characteristics are re-evaluated every three years. If you have good driving habits and a clean record, you may eventually qualify for standard auto insurance.

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There are a variety of factors that affect your policy cost, including coverages, deductibles and discounts. Talk to your agent about which coverages are right for you.

In addition to the minimum liability coverage required in most states, you can add coverage for uninsured/underinsured motorists and comprehensive/collision damage. These coverages pay for your expenses if you are involved in an accident with an uninsured or underinsured driver or if your vehicle is damaged by an act of vandalism, theft, fire or weather. You can also purchase an umbrella policy that “floats” above your other coverage limits to provide extra protection if you are sued for damages that exceed your policy’s limit.

In a time when college tuition is rising and enrollment rates are falling, students are looking for alternatives. One of the newest options is tuition free online degrees. While some institutions offer full scholarships or financial aid packages, others require students to work in exchange for their tuition-free education.

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These free online tuition trial are a great alternative for students who want to earn a degree without breaking the bank. These programs are designed to fit their busy schedules, and they often include flexible terms and multiple start dates. Some of these colleges also offer internships, which can help students land jobs after graduation.

However, many students may still be hesitant to enroll in a free online course because they are worried about the quality of the materials and whether they will get the results they are hoping for. In addition to offering a free trial, these schools may have a strict refund policy. While a refund policy can deter some potential customers, it is important for online courses to have this in place.

A free trial is a great way to get your audience excited about your product, but it is not a good way to measure student satisfaction. Providing free content before asking for payment will not encourage your students to complete your courses, and they will be less likely to give you a positive review. Instead of a free trial, you should consider implementing a low price point from the beginning so that your customers can easily decide if the program is right for them.