State Farm Insurance Late Payment Policy
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News, Information, Rumors, Opinions, Etc
http://www.physics.miami.edu/~chris/srchmrk_nws.html ● Miami-Dade/Broward/Palm Beach News ❍ Miami Herald Online Sun Sentinel Palm Beach Post ❍ Miami ABC, Ch 10 Miami NBC, Ch 6 ❍ Miami CBS, Ch 4 Miami Fox, WSVN Ch 7 ● Local Government, Schools, Universities, Culture ❍ Miami Dade County Government ❍ Village of Pinecrest ❍ Miami Dade County Public Schools ❍ ❍ University of Miami UM Arts & Sciences ❍ e-Veritas Univ of Miami Faculty and Staff "news" ❍ The Hurricane online University of Miami Student Newspaper ❍ Tropic Culture Miami ❍ Culture Shock Miami ● Local Traffic ❍ Traffic Conditions in Miami from SmartTraveler. ❍ Traffic Conditions in Florida from FHP. ❍ Traffic Conditions in Miami from MSN Autos. ❍ Yahoo Traffic for Miami. ❍ Road/Highway Construction in Florida from Florida DOT. ❍ WSVN's (Fox, local Channel 7) live Traffic conditions in Miami via RealPlayer. News, Information, Rumors, Opinions, Etc. ● Science News ❍ EurekAlert! ❍ New York Times Science/Health ❍ BBC Science/Technology ❍ Popular Science ❍ Space.com ❍ CNN Space ❍ ABC News Science/Technology ❍ CBS News Sci/Tech ❍ LA Times Science ❍ Scientific American ❍ Science News ❍ MIT Technology Review ❍ New Scientist ❍ Physorg.com ❍ PhysicsToday.org ❍ Sky and Telescope News ❍ ENN - Environmental News Network ● Technology/Computer News/Rumors/Opinions ❍ Google Tech/Sci News or Yahoo Tech News or Google Top Stories ❍ ArsTechnica Wired ❍ SlashDot Digg DoggDot.us ❍ reddit digglicious.com Technorati ❍ del.ic.ious furl.net ❍ New York Times Technology San Jose Mercury News Technology Washington -
Jim Stanton Leon Feazell Charles Bolcom
Jim Stanton Leon Feazell Charles Bolcom www.cooperscully.com © 2017 This paper and/or presentation provides information on general legal issues. It is not intended to provide advice on any specific legal matter or factual situation, and should not be construed as defining Cooper and Scully, P.C.'s position in a particular situation. Each case must be evaluated on its own facts. This information is not intended to create, and receipt of it does not constitute, an attorney-client relationship. Readers should not act on this information without receiving professional legal counsel. Terminology MCS - 90: “Endorsement For Motor Carrier Policies of Insurance For Public Liability Under Sections 29 and 30 of the Motor Carrier Act of 1980“ 49 C.F.R. §§ 387.7, 387.15 Statute and Regulations do not specifically reference “MCS - 90" Form created by the regulatory agency Formerly - ICC Abolished 1996 Now – FMCSA (Federal Motor Carrier Safety Administration) Part of D.O.T Terminology MCA - The Statute: Federal Motor Carrier Act of 1980 49 U.S.C. § 10101 et seq. FMCSR - The Regulations: Federal Motor Carrier Safety Regulations 49 C.F.R. Parts 300-399 Online: www.fmcsa.dot.gov/regulations Under Authority Secretary of Transportation, to provide requirements for operations and equipment of motor vehicles 49 U.S.C. § 14102 (a)(4) Purposes of MCS-90 Reasons MCA Enacted: Deregulate trucking industry Address abuses regarding public safety MCS - 90 Purpose: Assure vehicles, including leased, covered by authorized carrier’s insurance Mandate that carriers assume responsibility for vehicles, including leased. 49 C.F.R. §387.1 Mandate that insurance applies to vehicles, including leased, not on the policy. -
2021 US Auto Insurance Study
Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds Weaknesses in Self-Service Communications Channels Overshadow Pandemic-Driven Refunds TROY, Mich.: 15 June 2021 — The auto insurance industry voluntarily returned more than $18 billion in auto insurance premiums to customers in 2020 to address the sharp decline in miles driven during the COVID-19 pandemic. Despite the magnitude of this historic relief effort, the J.D. Power 2021 U.S. Auto Insurance Study,SM released today, finds that overall customer satisfaction with auto insurers is flat, following four consecutive years of improvement. “What we’re seeing in this year’s study is a case of insurers delivering with their actions but missing the mark on effective communication to their customers,” said Robert Lajdziak, senior consultant for insurance intelligence at J.D. Power. “The refunds provided to customers during the pandemic were significant, representing nearly 7% of total industry premiums, but only half of customers were even aware of them. Worse, when customers needed to communicate with their insurers, either via phone, website or chat, many came away feeling less satisfied with the result than in the past.” Following are some of the key findings of the 2021 study: • Overall satisfaction stagnates: Overall customer satisfaction with auto insurance providers is 835 (on a 1,000-point scale) this year, unchanged from a year ago. This is the first time since 2017 that auto insurance customer satisfaction has not improved year over year. • Insurers miss the mark in communication: While price is the lowest-scoring factor in the study, it has seen the greatest improvement year over year. -
Kastning V. State Farm – Minnesota Court of Appeals
STATE OF MINNESOTA IN COURT OF APPEALS A12-0584 Bruce Kastning, et al., Appellants, vs. State Farm Insurance Companies, Respondent. Filed September 24, 2012 Affirmed Hooten, Judge Hon. Douglas L. Richards Faribault County District Court File No. 22-CV-11-182 Jason D. Pederson, Fuller, Wallner, Cayko & Pederson, Ltd., Bemidji, Minnesota (for appellants) Gregory E. Kuderer, Fairmont, Minnesota; and Kay N. Hunt, Lommen Abdo Cole King Stageberg PA, Minneapolis, Minnesota (for respondent) Considered and decided by Worke, Presiding Judge; Hooten, Judge; and Collins, Judge.* S Y L L A B U S An uninsured farm tractor is not a “motor vehicle” for purposes of the Minnesota No-Fault Automobile Insurance Act, Minn. Stat. §§ 65B.41-.71 (2010), because a farm tractor is neither subject to registration under chapter 168 of the Minnesota Statutes nor designed “for use primarily upon public roads, highways or streets.” Neither is an * Retired judge of the district court, serving as judge of the Minnesota Court of Appeals by appointment pursuant to Minn. Const. art. VI, § 10. uninsured farm tractor a “motor vehicle” under the uninsured motorist coverage of an insurance policy that defines “motor vehicle,” in part, as subject to registration under chapter 168 of the Minnesota Statutes and “designed for use on public highways.” O P I N I O N HOOTEN, Judge Appellants challenge the district court’s summary-judgment dismissal of their claim for uninsured motorist coverage under a policy issued by respondent, arguing that the farm tractor with which they collided was an uninsured “motor vehicle” within the meaning of their policy and, alternatively, that they are entitled to coverage under the reasonable-expectations doctrine. -
(State Farm Mutual Automobile Insurance Company, Appellant) V
Page 1 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY et al. (State Farm Mutual Automobile Insurance Company, Appellant) v. ILLINOIS FARMERS INSURANCE COMPANY et al., Appellees. Docket No. 103816. SUPREME COURT OF ILLINOIS 226 Ill. 2d 395; 875 N.E.2d 1096; 2007 Ill. LEXIS 1156; 314 Ill. Dec. 809 September 20, 2007, Opinion Filed PRIOR HISTORY: Appeal from the Appellate Court step-down provisions in appellee's policies were contrary for the First District. to Illinois public policy and were void. The appellate State Farm Mut. Auto. Ins. Co. v. Ill. Farmers Ins. Co., court reversed that holding, finding the step-down 368 Ill. App. 3d 914, 858 N.E.2d 519, 2006 Ill. App. provisions were not contrary to Illinois public policy and LEXIS 995, 306 Ill. Dec. 722 (Ill. App. Ct. 1st Dist., were enforceable. The court, after implementing the 2006) various rules of statutory construction, held that nothing in the statutory pronouncements of the Illinois CASE SUMMARY: Legislature prohibited appellee's step-downs since appellee's policies provided coverage to the named insured and permissive users of the named insured's PROCEDURAL POSTURE: Appellant insurer was vehicle in the mandatory minimum amounts. granted leave to appeal the judgment of the appellate court (Illinois), which reversed a trial court order granting OUTCOME: The court affirmed, in part, the judgment it partial summary judgment and held that appellee of the appellate court upholding the validity of the insurer's step-down provisions were not contrary to step-down provisions contained in appellee's policies. public policy and were enforceable. -
Jim Umpleby Elected As Caterpillar's Next
News October 17, 2016 Caterpillar contact: Rachel Potts Global Government & Corporate Affairs Office: 309-675-6892 Mobile: 309-573-3444 [email protected] FOR IMMEDIATE RELEASE Caterpillar Chairman and CEO Doug Oberhelman Elects to Retire in 2017; Jim Umpleby Elected as Caterpillar’s Next CEO; Dave Calhoun to Become Non-Executive Chairman of the Board PEORIA, Ill. – After more than 41 years with Caterpillar Inc. (NYSE: CAT), Chairman and CEO Doug Oberhelman has elected to retire, effective March 31, 2017. During his time as Chairman and CEO, Oberhelman has reinvigorated the company’s focus on serving customers while also driving a culture of quality and safety. Oberhelman led the company to its highest sales and revenues peak in its 91-year history in 2012, and, since that time, has successfully led the company through the unprecedented downturn affecting our key industries. During Oberhelman’s tenure: • Product quality levels have reached historically high levels. • Market position for machines has significantly increased. • New Lean Management processes have simplified and sped production capabilities, improving product availability for dealers and customers. • The company has increased its quarterly dividend by 83 percent since 2010. • The balance sheet is strong, and at the end of the second quarter of 2016, Caterpillar’s Machinery Energy & Transportation debt-to-capital ratio was 39.0 percent, with $6.764 billion in cash as of June 30, 2016. (more) -2- • Global safety metrics for employees have dramatically improved, with the Recordable Injury Frequency improving each year. • Caterpillar has been granted nearly 7,300 patents worldwide. • The company dramatically expanded its commitment to lower owning and operating costs for customers by connecting new and existing equipment through digital technology and data analytics. -
Technology, Media, and Telecommunications Predictions
Technology, Media, and Telecommunications Predictions 2019 Deloitte’s Technology, Media, and Telecommunications (TMT) group brings together one of the world’s largest pools of industry experts—respected for helping companies of all shapes and sizes thrive in a digital world. Deloitte’s TMT specialists can help companies take advantage of the ever- changing industry through a broad array of services designed to meet companies wherever they are, across the value chain and around the globe. Contact the authors for more information or read more on Deloitte.com. Technology, Media, and Telecommunications Predictions 2019 Contents Foreword | 2 5G: The new network arrives | 4 Artificial intelligence: From expert-only to everywhere | 14 Smart speakers: Growth at a discount | 24 Does TV sports have a future? Bet on it | 36 On your marks, get set, game! eSports and the shape of media in 2019 | 50 Radio: Revenue, reach, and resilience | 60 3D printing growth accelerates again | 70 China, by design: World-leading connectivity nurtures new digital business models | 78 China inside: Chinese semiconductors will power artificial intelligence | 86 Quantum computers: The next supercomputers, but not the next laptops | 96 Deloitte Australia key contacts | 108 1 Technology, Media, and Telecommunications Predictions 2019 Foreword Dear reader, Welcome to Deloitte Global’s Technology, Media, and Telecommunications Predictions for 2019. The theme this year is one of continuity—as evolution rather than stasis. Predictions has been published since 2001. Back in 2009 and 2010, we wrote about the launch of exciting new fourth-generation wireless networks called 4G (aka LTE). A decade later, we’re now making predic- tions about 5G networks that will be launching this year. -
October 12, 2004 CV 03 6793 Hartman V. Stat
IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI HARRY HARTMAN and PAMELA ) HARTMAN, individuals, as individuals ) and assignees of Jon Graf’s rights set forth ) CASE NO. CV-03-06793 in Assignment Dated December, 2001, ) ) MEMORANDUM OPINION Plaintiffs, ) AND ORDER IN RE: ) DEFENDANT’S MOTION vs. ) FOR SUMMARY JUDGMENT ) STATE FARM FIRE AND CASUALTY ) COMPANY, a foreign corporation doing ) business in the State of Idaho, ) ) Defendants. ) ) Plaintiffs pursued claims against an insurer pursuant to an assignment of rights from its insured. Upon refusal to make payment, Plaintiffs filed the instant case against the insurer. Defendant moved for Summary Judgment. Motion denied. Joseph Jarzabek, ELSAESSER JARZABEK ANDERSON MARKS ELLIOTT & McHUGH, attorneys for Plaintiffs. James D. LaRue, Jeffrey A. Thomson, and Jon M. Bauman, ELAM & BURKE, attorneys for Defendants. MEMORANDUM OPINION AND ORDER IN RE: SUMMARY JUDGMENT: 1 I FACTUAL AND PROCEDURAL BACKGROUND A. Underlying Lawsuit In order to understand this case, it is necessary to review the underlying facts and an underlying case based upon those facts. Harry and Pamela Hartman (“Hartmans”) are the parents of Ty Hartman. On November 8, 1998, Ty disappeared after spending the evening with friends near Bonners Ferry. About a month later on December 9, 1998, Hartmans filed a wrongful death lawsuit in Boundary County against the three friends and their parents. One of those friends was Jon Graf.1 Eventually, the defendants in that lawsuit led police to the charred remains of Ty. They admitted that Ty had died early on the morning of November 9, 1998, and that some of them had burned his body. -
PC Gamers Win Big
CASE STUDY Intel® Solid-State Drives Performance, Storage and the Customer Experience PC Gamers Win Big Intel® Solid-State Drives (SSDs) deliver the ultimate gaming experience, providing dramatic visual and runtime improvements Intel® Solid-State Drives (SSDs) represent a revolutionary breakthrough, delivering a giant leap in storage performance. Designed to satisfy the most demanding gamers, media creators, and technology enthusiasts, Intel® SSDs bring a high level of performance and reliability to notebook and desktop PC storage. Faster load times and improved graphics performance such as increased detail in textures, higher resolution geometry, smoother animation, and more characters on the screen make for a better gaming experience. Developers are now taking advantage of these features in their new game designs. SCREAMING LOAD TiMES AND SMOOTH GRAPHICS With no moving parts, high reliability, and a longer life span than traditional hard drives, Intel Solid-State Drives (SSDs) dramatically improve the computer gaming experience. Load times are substantially faster. When compared with Western Digital VelociRaptor* 10K hard disk drives (HDDs), gamers experienced up to 78 percent load time improvements using Intel SSDs. Graphics are smooth and uninterrupted, even at the highest graphics settings. To see the performance difference in a head-to- head video comparing the Intel® X25-M SATA SSD with a 10,000 RPM HDD, go to www.intelssdgaming.com. When comparing frame-to-frame coherency with the Western Digital VelociRaptor 10K HDD, the Intel X25-M responds with zero hitching while the WD VelociRaptor shows hitching seven percent of the time. This means gamers experience smoother visual transitions with Intel SSDs. -
Lecture 1: CS/ECE 3810 Introduction
Lecture 1: CS/ECE 3810 Introduction • Today’s topics: . Why computer organization is important . Logistics . Modern trends 1 Why Computer Organization 2 Image credits: uber, extremetech, anandtech Why Computer Organization 3 Image credits: gizmodo Why Computer Organization • Embarrassing if you are a BS in CS/CE and can’t make sense of the following terms: DRAM, pipelining, cache hierarchies, I/O, virtual memory, … • Embarrassing if you are a BS in CS/CE and can’t decide which processor to buy: 4.4 GHz Intel Core i9 or 4.7 GHz AMD Ryzen 9 (reason about performance/power) • Obvious first step for chip designers, compiler/OS writers • Will knowledge of the hardware help you write better and more secure programs? 4 Must a Programmer Care About Hardware? • Must know how to reason about program performance and energy and security • Memory management: if we understand how/where data is placed, we can help ensure that relevant data is nearby • Thread management: if we understand how threads interact, we can write smarter multi-threaded programs Why do we care about multi-threaded programs? 5 Example 200x speedup for matrix vector multiplication • Data level parallelism: 3.8x • Loop unrolling and out-of-order execution: 2.3x • Cache blocking: 2.5x • Thread level parallelism: 14x Further, can use accelerators to get an additional 100x. 6 Key Topics • Moore’s Law, power wall • Use of abstractions • Assembly language • Computer arithmetic • Pipelining • Using predictions • Memory hierarchies • Accelerators • Reliability and Security 7 Logistics -
Texas Windstorm Insurance Association 2017 Percentage of Participation Summary of Participation
Texas Windstorm Insurance Association 2017 Percentage of Participation Summary of Participation Adjusted 2017 Percentage Member Group of Participation* Allstate Insurance Group 13.559% Farmers Insurance Group 12.346% Liberty Mutual Insurance Companies 10.087% USAA Group 9.642% State Farm Group 7.113% Travelers Group 5.435% Nationwide Group 4.771% Texas Farm Bureau Mutual Group 3.673% ASI Lloyds 2.732% Hartford Insurance Group 2.546% Chubb Group of Insurance Companies 2.112% Auto Club Enterprises Insurance Group 1.471% Assurant Solutions 1.439% Amica Mutual Group 1.435% MetLife Auto and Home Group 1.187% NLASCO Group 0.895% Homeowners of America Insurance Company 0.891% Argo Group 0.857% Munich-American Holding Corporation 0.822% Ranchers And Farmers Mutual Insurance Company 0.784% Unitrin Property & Casualty Insurance Group 0.704% Hanover Ins Group Property & Casualty Companies 0.683% State Auto Insurance Companies 0.674% Central Insurance Companies 0.624% FM Global Group 0.594% Centauri Specialty Ins Holdings, Inc 0.577% Columbia Lloyds Companies 0.508% Ameriprise Group 0.474% Wellington Insurance Company 0.470% American Risk Insurance Company Inc 0.452% W.R. Berkley Group 0.446% Universal Insurance Company of North America 0.418% GuideOne Insurance 0.397% Imperial Fire and Casualty Insurance Company 0.379% Agricultural Workers Group 0.342% Sentry Insurance Group 0.333% Palomar Specialty Insurance Company 0.329% Torus Insurance Holdings Limited 0.325% Privilege Underwriters Reciprocal Exchange 0.323% United Fire & Casualty Group 0.309% -
AGCO Corporation (Exact Name of Registrant As Specified in Its Charter)
Table of Contents As filed with the Securities and Exchange Commission on June 4, 2004 Registration No. 333-113560 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 PRE-EFFECTIVE AMENDMENT NO. 1 to Form S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 AGCO Corporation (Exact name of registrant as specified in its charter) Delaware 58-1960019 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) 4205 River Green Parkway Duluth, Georgia 30096 (770) 813-9200 (Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices) Stephen D. Lupton Senior Vice President of Corporate Development and General Counsel AGCO Corporation 4205 River Green Parkway Duluth, Georgia 30096 (770) 813-9200 (Name, address, including zip code, and telephone number, including area code, of agent for service) With copies to: W. Brinkley Dickerson, Jr. Troutman Sanders LLP 600 Peachtree Street, Suite 5200 Atlanta, Georgia 30308-2216 (404) 885-3000 Approximate date of commencement of proposed sale to the public: From time to time after the effective date of this registration statement. If the only securities being registered on this form are being offered pursuant to dividend or interest reinvestment plans, please check the following box. [ ] If any of the securities being registered on this form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, as amended, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box. [X] If this form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.