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It has always been a topic of debate, that who are better drivers, Men or women? In 1990, Anne French became the first women to get a driving license. The topic can never get settled but some solid facts justify the thing that women are thought to be better at driving as compared to men. On an average the total claim cost of lady drivers is less than claim cost of men drivers. They stay more cautious while driving. The insurers calculate the premium price on the basis of probability of driver filing a claim. But after the law from European Court of Judgement, insurers cannot offer different insurance policies on the basis of gender of the driver. Instead of that, insurers can use the black box option. It gets installed in the car and monitors the behaviour of the person who is driving. In this, acceleration rate, breaking, type of most used roads will be the deciding factors. By all this information, the insurance company decides whether the person is eligible for lower premium c

Earlier, it was quite an easy process to find cheap car insurance policies based on gender. But after December 2012, when a law for car insurances took place, everything has got changed. This rule was made by the European Court of Judgement (ECJ). This law states that insurers can not consider gender as a reason for difference in cost calculation of insurance policies. Before this rule came into practice, women used to pay 50% less premium than men. On an average, a lady driver used to pay a premium of £2050 and a male driver used to pay around £3090. After implementation of this rule, cost of car insurance for women has increased rapidly. Now, gender is not an important factor anymore in calculating the cost for car insurance. There are still some other options left, by using which female drivers can get a cheaper car insurance policy. ·          The type of car you own is also a major factor in deciding the payable amount as the premium. The premium price is directly proporti

Texas is the one state that does all the things differently from the rest of the country but in the case of bankruptcy, it is an exception. Bankruptcy laws are same nationwide. This is the reason why debtors will not experience any difference. The area of jurisdiction does not really affect the entire procedure. In all the states, once you file for chapter 7 bankruptcy, bankruptcy court will stop all the collection procedures from your creditors. And once the case proceeds, chapter 7 will help you to discharge all the debts. Your medical bills and credit card debt will also be discharged by chapter 7. Elimination of debts remains unaffected by the state. The single slight difference in laws applied in Texas is in exemption laws. Texas has the most liberal exemption laws. And only in rare cases debtors do not use their protections. Debtors can protect an unlimited amount of property in their home. Now, according to new bankruptcy laws, the debtors must have lived in the state f

Discharge can be defined as the legal elimination of debt through a bankruptcy case. When a debt is discharged, the creditor cannot attempt to collect the amount from the debtor. Individual debtors get their discharge within 6 months of filing for bankruptcy. The discharge affects dischargeable debts that existed at the time of filing the case. If you file for chapter 7 case, you should be aware that not all debts are eliminated or discharged at the end of the bankruptcy process. Following debts are not discharged: - ·          Debts or creditors which are not on the pre-decided list at the start of the case. ·          Most of the student loans, if repayment would cause major deprivation to the debtor. ·          Taxes and other federal charges. ·          Alimony. ·          Government-imposed reimburses and penalties. ·          Court fees ·          Debts those were non-dischargeable in a prior bankruptcy. ·          Debts owed to certain pension plans. ·