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Auto Insurance in the US

admin — Sun, 04 Jul 2010 07:12:45 +0000

Automobile insurance is a diverse feature which is sometimes complex to define. Usually, auto insurance premiums cover the vehicle, the bodily injury of the driver, values items in the vehicle as well as injury of other passengers in the vehicle at the time of accident. In order to avoid insurance frauds of compensation claims, insurance firms define a code of agreement that substantiates what coverage entails. In the US, some states require that vehicle owners subscribe to a liability insurance coverage that covers cost of injury or death of persons and damage of property in the event of an accident. Where the insurance cover contains coverage of persons other than the driver of the vehicle, there are set governing rules to define how these people are eligible for compensations. Some of these rules may include the considerations that the other persons should not live at the same address as the policy holder. The rules may also include the number of people who may be liable of compensations whenever an accident occurs. This implies that, if a car is involved in an accident, and the passenger exceeds the covered number, this means that not all are eligible for the compensation. This is a complex issue that may involve inter-party confrontations and legal disputes.

Liability coverage usually entails the coverage of the driver and any other passenger who may be eager in the vehicle accident as well as damage of the vehicle and any distinguished in the car as defined by the owner. These coverage may be included in one package as combined 'single limit' cover or separated as 'split limit liability' cover'. A combined single limit cover usually puts together bodily injury and property damage in one liability coverage. On the other hand, split limit liability coverage usually breaks up property damage and personal injuries in independent liability covers.

Besides liability cloak, auto insurance may entail full coverage. This takes into legend many factors including full payment of a vehicle incase of irrepairable damages. Collision coverage puts into consideration costs of damage and any other cost that may be attached to the damaged vehicle. It is usually suitable for persons who have been granted auto loans. It may entail payment to repair the vehicle or a total cash value to buy another vehicle depending on the magnitude of damage caused to the car. Not all insurance firms offer this coverage and it differs from one state to another. Collision coverage is optional in Florida.

Full coverage also entails a Comprehensive coverage which offers an auto mobile insurance policy cover for a vehicle which is damaged by accidents which are not considered collisions or vehicle accidents. These kind of accidents involve fire, theft, bad weather, accidents with animals among others. In a nut shell, Full coverage is stale to refer to both Comprehensive and Collision coverage and its use has raised a lot of worry within insurance firms and some do not employ the terms in their coverage to avoid any misinterpretations..

6 Ways to Get a Lower Price on SR22 Car Insurance

admin — Sun, 04 Jul 2010 07:08:46 +0000

The very best way to save money on high risk insurance is to become a rude risk driver. After three to five years, your rates will begin to descend if you do not add to the offenses that caused you to need an SR22. In reality, the SR22 is a state-mandated form that can be filed by paper or electronically in most states. The form is filed by your insurance provider to your position to verify that you have met the minimum state requirements for liability car insurance.

If you need one, your driving record is more than dented. You have had your license suspended or revoked until you can prove insurability to the state. The cost of the high risk insurance that coincides with an SR22 filing is always huge. But, if you have found yourself in this situation, all is not lost. There are some ways to save money even on a high risk auto insurance policy.

Shop hard for the best deals on insurance.

This is the time to be unbiased with friends and acquaintances about your plot. Ask everyone you peruse what they know about where the cheapest high risk auto insurance can be found. Almost everyone knows of someone who has needed to select high risk insurance at some point. While not all high risk insurance comes attached to a court-mandated SR22 filing, all high risk insurance is expensive.

Multiple accident claims that may not have all been related to your driving habits can cause your insurer to assassinate your policy. Suddenly, you earn yourself searching for high risk insurance. So, many people slay up facing this type of policy along the method. Take advantage of this truth to help you gather the best deals in your area. Word of mouth trumps glitzy ads every time when you are dealing with this type of insurance. Check with a dozen companies if distinguished to find the lowest rate available.

Do not fall in love your car insurance company, agent, or broker.

Believe it or not, most insurance companies will not roll your rates back just because you have been a good driver for a while. They like getting huge premiums without having to pay out claims. To get lower rates, you may have to switch insurers frequently. Some insurance companies will quote you lower rates to get your business. If you have logged a year or more of safe driving, more than likely there is a company out there who will give you some type of discount even with the SR22 filing.

Use a broker rather than an agent to get your car insurance.

This is probably your only option because many companies with captive agents do not write high risk insurance in their advertised tag. However, if it is an option, a broker can almost always find you a better price for high risk car insurance. The broker has the ability to shop multiple companies and is already familiar with which ones offer the better prices in various situations.

Try to bag added to someone else's insurance as a part-time driver.

This is a last resort effort for most people. The cost will aloof be high, but if you are not considered to be a full-time driver, it can reduce the price. You would have to reimburse the policy owner for the additional cost. If you can accept a company that will accept this, you may score a big discount. However, the policy owner does run the risk of being considered high risk and having the entire policy rated upward. In this case, it would not be a great plan to do this.

Limiting your driving and learning to correct the issues that make you high risk will help.

If you will agree to only drive to work and back, the company may be able to reduce your rates. If drunk driving is your problem, you may have to install a device to analyze your breath before the car will start. Driving school may be in your future if you are serious about getting better insurance quotes. None of these are guarantees, but some companies give them a reasonable amount of consideration. It is worth the time to ask about what type of things would help reduce the cost of your insurance.

Buy only the minimum amount of insurance necessary.

If you do not have to catch collision for your car because of a loan, do not buy it. Staying with the minimum amount of liability insurance required by law was reduce your cost of insurance as much as is possible.

Geico's Cavemen Might Get Their Own Show

admin — Sun, 04 Jul 2010 07:06:27 +0000

You've seen the increasingly popular "So easy a caveman can do it" Geico© insurance commercials, featuring cavemen who exist in our modern day - cavemen who feel insulted by the insurance company's claim in their advertisement that logging on to their website and getting quotes for auto insurance is so easy that even a caveman could do it. One of the cavemen angrily confronts the Geico© executive who apologizes and says, "We didn't know you calm existed."

The original commercial's theme has been so popular that several other commercials for the insurance company featuring the cavemen have spun off from it. One caveman visits with his therapist, two of them meet and chat with the Geico© executive over a meal at a sophisticated restaurant (one is so disgusted he's lost his appetite and won't order), and then a commercial features a group of them at a party at one of their homes (in which one of them is being shunned and has upset the group by switching to Geico© for the savings.)

In each of the commercials, the cavemen are portrayed as radiant and sophisticated; they are evolved in every sense outside of their appearance, which is the comedic aspect of the advertisement.

Walt Disney's ABC will fund the pilot and the resulting sitcom should it come to be, featuring cavemen as in the Geico© commercials. Geico©, the insurance company, will have no part in creation of the show. Says the company's Vice President of Marketing, Ted Ward, "We sell car insurance. We don't acquire TV shows." But Mr. Ward is excited about the prospect of the show; "We are excited to have an opportunity to do brand extension."

Geico© will, however, collect royalties from the use of their characters.

The blurred line between entertainment and advertising is often crossed. Product placement is a popular form of such advertising. That is a practice in which in a program a certain heed or product is shown. It seems as though now, however, advertisers and marketing executives want to take it a bit further and create forms of entertainment around advertisements for their products. Years ago the program "The Colgate Comedy Hour" was a program sponsored by the advertisers.

The prehistoric men will be struggling to deal with modern day America and the discrimination they face in it. The setting for the point to will be Atlanta, Georgia. The sitcom will simply be called, "Cavemen."

Source: MSN Money: http://articles.moneycentral.msn.com/Investing/Extra/AreGeicoCavemenReadyForPrimeTime.aspx

Get Help with Workers Compensation Insurance Carriers

admin — Sun, 04 Jul 2010 07:03:18 +0000

Workers Compensation Insurance Carriers can seem like a hassle to come in contact with when they are needed the most. The reason for this can be simply that people don't have the time and patience to get a hold of them, or simply don't know how or who to call. Listed below will be a list to help you out a little bit better and make things a bit easier for you.

Farmers Insurance can be contacted through a farmer's agent. Anyone will do, and you can find VIA the Internet.

Liberty Northwest Insurance Corporation can be reached via the phone or email. You can find the toll free number online via the internet and also may be contacted via the Liberty NW Office.

Oregon Workers Compensation Insurance Plan is for workers who have been injured on the job. You can call them direct or find a hold of an agent who can support you with your questions, claims and other inquires.

State Farm can be contacted via email or you can talk to any state farm agent. You can get the number via the internet or the phone book. There are even stores you can go to for easier access to an agent, and a face to face discussion.

Hartford Insurance can be contacted through your nearest agent. You can contact them via person, email, or telephone as well.

Republic Insurance goes strictly through independent agents. You need to either call an agent or Mike Me nacho for the name and number of an agent nearest you. For this you can use the internet.

CompWest is for automotive businesses, retail and manufacturing and hospitality. They can be contacted through the Internet or by phone. For the number call 411 or employ the Internet.

Guideone Insurance can be contacted through its agents by phone or email. You can call and ask for the commercial department. This insurance is for package policies on churches.

Grocers Insurance is obviously for only grocers. To speak with your insurance you need to get a hold of an agent nearest your area.

SAIF Corporation is determined to help give compensation at affordable prices for employers in Oregon. They can be contact through direct agents. Exercise the internet for the number or email to contact a local agent near you.

There you have a list of Workers Compensation Insurance Carriers and how you can contact each one when you need them most.

What State Farm Has Not Told You May Hurt You

admin — Sat, 03 Jul 2010 08:17:25 +0000

Do you feel like State Farm is a neighbor that is there in times of wretchedness? Check your policy carefully each time. What State Farm has not told you can hurt you. Read on to learn how.

Today an insured customer of Situation Farm went to pay their monthly premium for their insurance policy. The amount was luckily something that the customer paid attention to. We will call the customer Jane Doe. The amount was off a bit. It was almost seven dollars more than usual. Jane Doe questioned the employee of State Farm regarding the price. She was told that she would be called back after the employee of Dwelling Farm called their Underwriter.

Jane Doe was quoted as saying "I knew something fishy was up". You see, Jane Doe had recently been involved in a car accident where the other driver was cited as being at fault. He was driving with an inaugurate container in the vehicle. He pulled illegally in front of her and landed her in physical therapy for nearly a year. The driver was not insured so Station Farm was sent the bill. By law Status Farm was and is always obligated to pay their insured under the "uninsured motorist" clause which thankfully, Jane Doe had. Failure to pay this and any attempts to raise this rate after due to the claim is highly illegal. Jane Doe knew this as her attorney that handled her case had informed her of this fact.

So as you can see, what State Farm does not tell you can hurt you. Had Jane Doe not known her rights the company Site Farm would have illegally committed a crime. Thankfully she was informed. It is very significant to know your rights. Always check your policy carefully. Be sure to request any and all increases. Above all, never feel unpleasant about being cautious. The only party that would have an issue with you questioning your policy is a fraudulent one. Be aware. Stay informed and act accordingly.

The 1975 Red Sox- a World Series of What Ifs

admin — Sat, 03 Jul 2010 08:12:46 +0000

The image of Carlton Fisk trying to will his long drive to left field fair with his body are familiar to anyone that followed the 1975 Red Sox, and virtually every baseball fan in the country. Fisk's 12th inning home run won what many have maintained is the greatest World Series game ever for the 1975 Red Sox over the Cincinnati Reds. But how many people actually remember how the Series got to that point, and the eventual fate of the 1975 Red Sox? Without the heroics of several players on both sides, Game Six between the Reds and the 1975 Red Sox would just have been another post-season contest.

The 1975 Red Sox were a mix of young players like rookies Jim Rice and Fred Lynn, and savvy veterans such as Carl Yastrzemski and Luis Tiant. They held off the Baltimore Orioles to take the American League East by four and a half games, and handily dispatched the defending champion Oakland A's in a three game sweep to win the pennant. Yastrzemski batted .455 in the American League Championship Series, and the pitching staff of the 1975 Red Sox gave up only 19 hits in the three games to Oakland. The Reds were in the middle of their "Big Red Machine" dynasty, having been to the Series in 1970 and 1972, losing both times. Their 108-54 record was 20 games obedient to the second plot Dodgers in the NL West, and the Reds easily beat the Pirates for the National League pennant in worthy the same way that the 1975 Red Sox had handled Oakland.

The two teams met for Game One in Boston's Fenway Park with one very important element missing. The 1975 Red Sox were without the services of first year slugger Jim Rice, who had been hit on the wrist with a pitch while playing the Tigers late in the season. Rice had been instrumental in the 1975 Red Sox rise to power, with 22 homers and 102 RBI. Rice actually tried to talk his way into the lineup, but it was clear that he was not anywhere near close to playing shape and the 1975 Red Sox continued on without him.

Game One was a cakewalk for the 1975 Red Sox, as Luis Tiant, the radiant Cuban, baffled the Reds with an array of pitches from every angle. Tiant had gone 18-14 at age 34 for the 1975 Red Sox, and when Boston batted around in the sixth and scored a half dozen runs, "El Tiante" coasted to a five hit shutout. The Reds were on the verge of going down 2-0 to the 1975 Red Sox in the second game, when they scored two ninth inning runs off of Dick Drago with two out on hits by Dave Concepcion and Ken Griffey Sr. As captivating as this contest was, the next one would be as controversial.

In Game Three Dwight Evans poled a two run home run in the ninth inning at Cincinnati to pull the 1975 Red Sox even with the Reds at 5-5, but the Reds won the game in extra innings with one of the most debated plays in World Series history. With Cesar Geronimo on first with a single, pinch hitter Ed Armbrister tried to sacrifice him to second. What happened next depends on what team you rooted for. If you were a fan of the 1975 Red Sox, batter interference should have been called when Armbrister's bunt was fielded on a bounce by Fisk, who then attempted to throw to second to force the runner. However, Armbrister did not clear the batter's box, and Fisk threw the ball into centerfield after he got tangled up with him. Geronimo went to third and Ed was marvelous on first as the 1975 Red Sox argued to no avail that Armbrister interfered with the throw. Pete Rose was walked intentionally, and after Roger Moret got a strikeout, he gave up a single to Joe Morgan and the Reds had a 2-1 series lead when they could easily have been down 3-0 to the 1975 Red Sox.

The 1975 Red Sox sent Tiant out to pitch Game Four, and he survived an early onslaught to pitch a complete game. He walked four and gave up nine hits, but his daring performance was enough to win when the 1975 Red Sox scored five times in the fourth inning, keyed by vast hits by Evans, shortstop Rick Burleson, and Tiant himself. The Series was at 2-2, but not for long as Don Gullett hurled into the ninth inning the next night and Tony Perez homered twice in an easy 6-2 Reds victory. The 1975 Red Sox headed home needing to win both tilts to become champions.

Things started well in Game Six when Fred Lynn hammered a three run homer off of Gary Nolan to stake the Red Sox to an early advantage. Lynn would be named the American League's Rookie of the Year and Most Valuable Player when the season was over, the only player to capture both honors in the same season. He sprayed line drives everywhere, had decent power, and made spectacular catches seemingly every day. He and Rice had been dubbed the "Gold Dust Twins", both coming up together from the Boston farm system.

Boston was pitching Tiant once more; he was fully rested since there had been rainouts that forced the Series to wait for clear weather. Tiant struggled mightily, but kept the Reds off the scoreboard until the fifth, when Griffey tripled in a pair and Johnny Bench singled him home to tie the game. When George Foster doubled home a couple of runs in the seventh off of Tiant, and Geronimo homered to open the eighth, the Red Sox were staring at a 6-3 deficit with impartial six outs left.

Lynn singled to open the bottom half of the eighth, and when veteran third baseman Rico Petrocelli walked, the 1975 Red Sox had something cooking. But Rawly Eastwick relieved and promptly struck out Evans, and Burleson lined out to left. Up to the plate stepped Bernie Carbo, a former Cincinnati outfielder who had hit 22 homers in 1970 for the Reds. In 319 at-bats for the 1975 Red Sox, Carbo had hit 15 home runs. In one of the greatest moments in Red Sox history, Carbo took an Eastwick delivery and turned it around, sending it into the centerfield bleachers for a game-tying three run home accelerate.

The game went to extra innings, where Dwight Evans stabbing catch of a Joe Morgan drive to right headed over the short wall, and subsequent throw to first to double off Griffey, not only saved a home run, but ended the inning. Rick Wise came in to pitch the 12th for the Red Sox, and worked into, and then out of,9 a jam. Fisk then led off the Sox 12th with his drive right down the left field line off of Pat Darcy. The ball stayed fair for a home accelerate, and a cameraman in Fenway's rat trap of a scoreboard unintentionally followed Fisk out of the batter's box and caught on tape his now classic body English to keep the ball shapely, only because he was trying to avoid a rat that must have decided to take a look at the proceedings for himself.

Now with the Series even and a Game Seven looming, the Red Sox turned to flaky left-hander Bill Lee to take the mound against Reds' ace Don Gullett. The game was scoreless until the Red Sox tallied three times in the third; Yastrzemski's single the big hit of the inning. Lee was working well, in little trouble until the sixth. With Pete Rose on base, Lee decided to throw Tony Perez what can only be described as a lob pitch. Perez provided all the power, and drove the ball over the Fenway "Green Monster" in left to bring the Reds within one run at 3-2. When Series MVP Pete Rose, who hit .370 for the seven games, singled Ken Griffey home in the seventh off of Roger Moret, the score was tied. It would remain there until the top of the ninth.

The 1975 Red Sox were managed by Darrell Johnson; he would be fired in ther middle of the next season, mostly because of his decision to bring in rookie Jim Burton to pitch the ninth with the Red Sox on the verge of a title. Burton had thrown a bit over 50 major league innings, and many thought that Johnson should have turned to Reggie Cleveland, or not pinch hit for Jim Willoughby in the eighth and let him try to conclude out the Reds. Burton immediately walked Griffey to start the ninth, and Geronimo bunted the father of a future Hall of Famer to second. Pinch hitter Dan Driessen grounded out, moving Griffey to third. Burton walked Rose, and then Joe Morgan blooped a soft single to center to bring in the lead urge. Cleveland came in to fetch Perez on a glide ball to right, and the Red Sox were down to their last three outs.

This time the magic bag was empty, as Will McEnaney came in to get the 1975 Red Sox out in order. Yastrzemski made the last out, a glide ball to center. Ironically, he would foul out to third to end the dramatic Red Sox-Yankees playoff game three years later and never get a ring. Fans of the Red Sox were left with a winter chock full of what-ifs. What if Rice had been healthy? What if the Red Sox hadn't blown the second game in the ninth? What if Armbrister was called for interference in Game Three? What if Johnson hadn't brought in Burton? Ah, Jim Burton. The poor fellow, who had been guilty only of letting Joe Morgan purchase a little fly off the destroy of his bat to beat the Red Sox, would pitch exactly one more time in the big leagues, in 1977, and archaic away from the sport, a cruel reminder that for every hero in the game of baseball, there has to be a goat.

Finding Affordable Auto Insurance for Senior Citizens

admin — Sat, 03 Jul 2010 08:10:49 +0000

Many senior citizens have been loyal to their auto insurance companies for years, often decades. Having the same great insurance agent and company is comforting. But the auto insurance industry has become more competitive, actively vying for the senior citizen market. It makes sense for senior citizens to gather information to compare their current rates, especially at the time of auto insurance renewal.

Getting quotes for auto insurance is an easy process. With impartial a few clicks on the computer or toll-free telephone calls, anyone can gather a list that compares auto insurance by services and rates. For senior citizens, who often are on fixed incomes, this can be a very cost-effective exercise, possibly saving them hundreds of dollars during an insured period.

Finding Comparable Rates

Buying auto insurance is like any other significant, long-term purchase. The key is to consume time to research and shop for the best deal with reliable auto insurance companies.

The following is a sample of insurance companies and insurance brokers offering auto insurance quotes on the Internet. Many have specific marketing programs targeting senior citizens.

AARP: www.aarp.thehartford.com.
AARP is an advocacy organization for seniors that promotes the interests of people over 50 years old. They offer auto insurance to members through The Hartford.

Allstate: www.allstate.com.
Allstate is a well known insurance company. Quotes can be gathered at the above website or local agents can be found in the telephone book and are available to assist in preparing a free quote.

Farmers Insurance Group: http://www.farmersinsurance.com.
Online or in person, a Farmers insurance agent can review auto insurance coverage, help identify potential gaps, and include any qualifying Farmers Auto insurance discounts.

Progressive Insurance: www.progressive.com.
Progressive will provide a quote for their company along with comparables of other auto insurance companies for easy comparisons.

Geico Insurance: www.geico.com.
This company can be accessed online or at one of their many offices. It is easy to get a quote; they offer flexible payment options and competitive rates.

Costco: www.costco.com.
Costco offers membership insurance through Ameriprise Auto & Home Insurance.

Autoinsure: www.autoinsure.org.
Autoinsure has a page with helpful insurance information for senior citizens. They can provide quotes from all the major auto insurance companies.

Esurance: www.esurance.com.
A rising star among insurance companies that take pride in stating: "Esurance doesn't just offer reliable insurance coverage, we also believe in educating consumers." Their online quote process is easy to navigate.

US Insurance: www.usinsuranceonline.com
They will provide multiple auto insurance quotes tailored to specific needs within minutes of filling out their simple short form. It's easy then to compare them side by side to find the best prices and coverage.

Car Insurance Rates: www.carinsurancerates.com
Their network of companies and brokers offer a variety of car insurances: Farmers, Allstate, AIG, Nationwide, AARP, Safeco Insurance, Liberty Mutual, MetLife and Mercury.

Every insurance rate: www.everyinsurancerate.com
EveryInsuranceCompany.com is a handy Internet directory to find local insurance companies, insurance quotes and discount insurance rates.

Quote Scout: www.quotescout.com.
This website will provide quotes from a long list of auto insurance companies - literally from "A" to "Z".

Insurance.com: http://www.insurance.com.
Insurance.com works directly with 15 highly rated car insurance companies in 46 states: 21st Century, Electric Insurance, Esurance Auto Insurance, The Hartford, Infinity, Liberty Mutual, Meritplan Insurance, MetLife Auto Insurance, Newport Insurance, Permanent General Assurance Corporation (The General), Progressive, QBE Insurance, Safeco, Travelers Insurance, and Unitrin Direct.

Keeping Auto Insurance Rates Down

There are ways that senior citizens can take responsibility to control their auto insurance rates. Here are a few suggestions.

According to seniorjournal.com, most of the major auto insurance agencies provide a 5% - 10% discount to drivers beginning at the ages of 50 or 55. However, as a group, drivers 75 and older have one of the highest rates of fatal daytime accidents. Because of this, it's important that senior drivers stay proactive and involved in keeping their driving skills sharp.

Many states offer an auto insurance discount for used drivers if a person meets a given age criteria and has taken an well-liked veteran driver safety course. Local colleges and senior centers are good resources to learn about the classes. AARP has local and on-line access to the course. Costco offers its members an online drivers' safety training course through FirstNet: www.firstnetlearning.com.

Another way to keep auto insurance rates down is to drive a low-profile car, one that as part of a group has a lower rate due to minimum repair costs, considered safer and less likely to be stolen. Check the Highway Loss Data Institute, www.iihs.org, for the latest related data.

Examine current auto insurance needs and requirements. Changing to higher deductibles or dropping collision or comprehensive coverage for older cars may make sense.

Always ask about discounts when purchasing or renewing auto insurance.

And finally, the best long-term advice: Always drive defensively, quit alert and follow the driving laws. Maintaining a safe driving record is the best way to keep auto insurance rates down.

Top Nine Storms in U.S. History

admin — Sat, 03 Jul 2010 08:06:17 +0000

There have been countless natural disasters of various sorts world wide throughout history. All have changed the lives of the people who victim and survived or didn't. It is hard to tell all of them unless you individually learn of them through personal accounts and such. Really it's the major ones that must be paid taken into myth. So what are the most historical natural disasters involving flood, hurricane, typhoon, and/or tornado that have devastated North America? I will discuss the 1900 Hurricane of Galveston, Texas, the Tri-state Tornado of 1925, the Lake Okeechobee hurricane and flood of 1928, the Florida Keys hurricane of 1935, the 1930's Dust Bowl, New England's 1938 hurricane, El Nino, Hurricane Andrew (1992), the 1993 Midwest Expansive Flood, and the Oklahoma and Kansas tornado Outbreak of 1999. Yes, there were others and this article covers many storms but I figure this distinguished is enough. I will also name disasters that happened elsewhere globally for everyone interest.

Galveston Hurricane of 1900

It was September 4^th, and at the US Weather Bureau of Galveston when warnings were notified by D.C.'s office stating that a tropical storm had moved north of Cuba. The future path of the storm was yet to be certain.

Conditions were excellent enough in the Gulf of Mexico to strengthen such a storm to come. For weeks not much cloud cover had been reported and water was warm. Ingredients to create a hurricane out of a tropical storm within days. Greater strength was likely if it moved through and past the Gulf.

Sept. 6^th, the storm was North of the Key West and in the earliest hours the next day New Orleans issued a relate of enormous damage on the coasts of Louisiana and Mississippi. Storm details were only communicated by telegraph. It was the Central Offices of the Weather Bureau in D.C. that ordered storm warnings from Pensacola, Florida to Galveston, Texas. By the afternoon, large swells of the SE were distinguished, and the clouds on all altitudes had moved NE meaning a hurricane was due to appear in the East. Double square flags were raised in Galveston to signal hurricane warning. Then at 1 pm the ship Louisiana encountered the storm departing New Orleans. Wind speeds then were 150 mph. Debates were thrown as to what direction the storm would take.

Swells continued the next day with partly cloudy skies. An indefinite but relatively small number of people took to the warnings. They were told to evacuate across the bridges to the mainland, but few listened. Rain clouds rolled in by mid0morning. Even Isaac Cline walked along the beach to tell everyone he met about the approaching storm. But only he accounted that story which is still controversial as to whether or not he did this with the permission of the Bureau. Oddly, earlier he had claimed the storm would never happen.

The landfall occurred September 8^th winds of 135 mph making it a category 4. It caused up to 1,200 deaths. The third highest number of casualties in Atlantic hurricanes. Coming in second is the Great Hurricane of 1,780 and in first, Hurricane Mitch, 1998. Since 1900 no other hurricane has been by dissimilarity deadlier. In fact the 1928 Okeechobee Hurricane caused 2500. This storm has no official names. Hurricane Katrina caused 1,600 deaths. The 1900 hurricane cost $483 million. The areas it affected were Puerto Rico, the Dominican Republic, Haiti, Mississippi, Galveston, Texas, central America, the Great Lakes region and Atlantic Canada.

In the early afternoon a steady NE wind picked up and by five, hurricane force winds were recorded, The wind shifted east then SE as the eye of the hurricane passed over the island. The highest measured wind speed was 100 mph after sic. Then anemometer was blown off after that. The eye passed at eight with winds at 120 mph.

At the time of the storm, Galveston's highest point was 8.7 feet above sea level. So not high up there (I have lived there and it still isn't that high). Being that the storm surge coming was 15 feet it's a no brainer that everything was washed. Knocking buildings off there foundations, pounding the surf to oblivion. Destroying 3,600 plus homes, filling the ocean with debris. For the buildings that survived they were solidly built mansions and houses on the Strand District. Today's tourist attraction, and a suggestible area may I add, to visit.

Human cost was horrific. With the ruined bridges and telegraph lines no word of how destructive the Strom had been could be reached on the mainland. Not until 11 am the next day. Burial wasn't an option for the victims because there were so many. Instead they were dumped at sea only to be washed back on to shore. Then the exhaust of funeral pyres (burnings) came up as the only option and it lasted for weeks. Free whiskey was passed out to work crews because many of them had to throw family members, particularly there wives and children, on the burn piles. That couldn't have been easy for anyone.

The Tri-State Tornado

The tornado happened on Wednesday, march 18, 1925. It had been of a larger tornado outbreak of sibling tornados in Tennessee, Kentucky, Indiana, Alabama and Kansas. It came in though southern Illinois and SW Indiana. For the time period it was the deadliest tornado in US History with 695 confirmed deaths and 2,298 injured persons. It left an ongoing track measuring 219 miles long. The longest ever recorded in the world. This tornado is an example of an F% on the Fujita Scale. There has been discussion of whether the event was a single continuos tornado or a tornado family.

In Missouri the tornados vortex was seen around 1:01 pm in the direction NNW of Elington. It sped NW killing two and doing $500 thousand in wound to property near Annapolis then striking Leadanna. Thirty-two children were injured in two schools that were hit and damaged in Bollinger County. Also hit were Redford, Cornwall, Biehle, and Frohna. Eleven died.

When the tornado came to southern Illinois by the Mississippi River, it hit the town of Gorham at 2:30 pm and demolished it. Killing 34 people. It continued NE at a speed of 62 mph, sometimes 73 mph. Cutting a one mile path through Murphysboro, de Soto, Hurst-Bush, and West Frankfort. And in forty minutes, 541 lives were lost with 1,423 seriously injured. Parrish was destroyed and in it twenty-two people. Murphysboro had 234 deaths, making it the single most deaths in a city in US history. Hamilton and White Counties together had 65 deaths.

Indiana was greeted by the tornado when it crossed the Wabash River and hit and almost obliterated the town of Griffin and the surrounding rural areas. After impacting Owensville, it reared to Princeton leaving it in half. Ten miles later in the NW it vanished. Four thirty pm, three miles SW of Petersburg and only sacrificing seventy on citizens.

All in all 696 died, 2,027 injured. Most in southern Illinois. With the nineteen communities beared upon several never recovered. Damage was worth $16.5 million. The tornado was joined by heavy down burst winds in the majority of its life which increased its width to three-forths of a mile and then sometimes to three miles. In the wake of devastation, thousands were left homeless and /or without food. Looting and theft were common in matters of the recently deceased's possessions.

Labor Day Hurricane 1935

A very intense hurricane of August 1935 that today remains the strongest hurricane on US record. And for the last five decades was the strongest Atlantic Hurricane and now ranks third in lowest central pressure.

It was born as a small tropical disturbance due east of Florida near the Bahamas in late August then it drifted west and strengthened on September 1^st to a category 1 and neared south Andros Island. Later crossing the south of the island and continued and intensified.

As it entered the Gulf Stream late September 1^st, the intensity sustained itself for one and a half days and then turned NW to Islamoroda reaching peak intensity the next day. From then on making it's way to landfall between 8:30 am and 9:30 pm EST at Craig Key.

After the Bahamas, it landed in the southern Florida Keys on Labor Day (September 2^nd, 1935) as a category 5 with maximum wind speed 160mph-185mph. Devastating the middle and upper connections to the mainland and killing over 400 people. It continued up Florida's' west cost to make a second landfall in the panhandle's center. Passing above Georgia, South Carolina, North Carolina, and returning there as an extra tropical storm to southern Greenland, September 10^th.

The impact that the Labor Day Hurricane of 1935 had on Civilians on a 10-car evacuation train was washed off track. The initial expend of the train was to rescue a group of WW1 veterans who, in part of a government relief program, were building a new road bridge in the upper Keys. Only they never were rescued due to the engineers misjudgement to back the train down a single track line. He was unable to reach the veteran. Surprisingly, after the storm, the locomotive remained upright and on the rails. It was sent back to Miami months later.

Labor Day Hurricane, too, left a path that almost destroyed the upper Keys. Primarily in the location of today's Islamoroda.

The recognize of the storm was eight miles in width with its worst winds 15 miles of the eye. One-hundred twenty-five miles of a chain of islands south of Miami were untouched with minor harm to the lower and far upper Keys. Craig Key, Long Key, and upper and lower Matecumbe suffered the worst.

On the third day since the storms wrath, corpses' that were later found (beware those reading) had swelled and split open in the heat. Plain wood coffins holding the bursting bodies were stacked and burned in several locations. Other than that, the Coast Guard organized evacuation and relief efforts. Boats and airplanes carried away surviving to Miami. The railroad was never rebuilt.

For the death that the storm caused, 423 people were killed. That's one-hundred four residents and 259 veterans who were employed to the road project. They were recovered as far as Flamingo and Cape Sable. Miraculously three hundred fifty of those veterans who lived in the Keys (work camps to be real) survived the storm by attending a baseball game.

The storm additionally caused wind and flood damage along the panhandle and the border of Georgia.

Dust Bowl-1930's

Many don't know what the dust bowl was. In fact I didn't know worthy of it other than it caused a gigantic migration of people to the west.

What it was, was a series of catastrophic dust storms. They caused ecological and agricultural damage to both American and Canadian prairie. Which worsened because of decades of farming that changed frequently in techniques causing erosion. This ended in combination with drought becoming dust that was blown east in massive dark black clouds. Some of which found its draw to Chicago. The majority of it was lost to the Atlantic. All of this caused an exodus extending from Texas, Arkansas, Oklahoma, and the Grand Plains. Five hundred thousand were left homeless (PBS). This is where migration took place. The people left had to look for work and the Canadians affected went to Toronto. Two-thirds of them, farmers of the Saskatchewan, relied on government aid (CBC). Other victims came to illness and death from dust pneumonia and malnutrition.

I want to define on the farming effects on the Dust Bowl. The agricultural market was unstable in that decade. Mostly from WW1's following of overproduction. The war had essentially caused farmers to extend the national limitation on the agricultural frontier.

In addition to the dust storms, it was November 11, 1933 that an especially strong dust storm occurred. Ridding of the topsoil of South Dakota farmlands. May 11, 1934 has the beginning of a two-day dust storm that removed large amounts of topsoil from the Substantial Plains. It was the worst of the dust storms. The dust clouds that reached Chicago dumped four pounds of debris per person. The storm reached cities in the east. Including Buffalo, Boston, Original York City, and a Washington D.C. During the winter, red snow fell over Modern England.

April 14, 1935 was known as "Dusky Sunday". In it was the worst "Black Blizzard" to occur during the Dust Bowl.

New England's Hurricane of 1938

This was the first major hurricane to hit Novel England since 1869. It had formed near Africa in September and became a Category 5 before it made landfall as a category 3 on Long Island on September 21^st, killing 500-600 people. What was recent about this storm was it's forward speed of 70 mph that let it travel far north before it has a chance to weaken.

Landfall was in Suffolk County Long Island, New York on September 21, 1938 as a category 3 (present day).

The storm traveled across the Long Island Sound, Connecticut, Massachusetts, New Hampshire, Vermont, and into Canada and continuing at an unusually high bustle.

In Long Island the storm struck at about 3:30 pm, a few hours before high tide. The eye was about 50 miles across and the hurricane itself was 500 miles in diameter.

For Fresh York, Dune Road was finite in the area of Westhampton Beach, resulting in 29 deaths. Notauk was briefly an island unto itself when the storm flooded the South Fork at Napeague and the tracks of the Long Island Rail Road. None the less sand in the Cedar Point Lighthouse was rearranged to connecting the island to today's Cedar Point County Park and created the Shinnecock Inlet. Sadly the landmark steeple of Sag Harbor was toppled and never rebuilt.

Rhode Island was hit westerly at 3:30 pm EDT giving one-hundred deaths. The tide was higher then normal due to fact that it was the Autumnal Equinox and a fresh moon. The tides were made higher by the storm. Reaching 14-18 feet for most of Long Island and Connecticut. Eighteen to twenty-five foot tides in New England to East Cape Cod. The storm surge was particularly violent, driving northward through Narragansett Bay creating a 13 foot flood of the downtown Providence. Several motorists drowned while quiet in their vehicles.

The only structures along the soar surviving the storm were large stone Mansions in Original Port. The Breakers and Carey Mansion to name a few, collected bearing scars.

Summary of the destruction and death toll comes to this: 600 people insensible in New England, most in Rhode Island. One hundred people elsewhere with 708 injured. There were 4,500 cottages, farms, and other homes destroyed and 20,000 electrical poles topples. Forests included majority of harm was caused by storm surge and wind damage. Hurricanes can sometimes reek freshwater flooding which this one id not, for it wasn't in any one place for long.

New Hampshire received minor damage. One inch of rain in Concord. Petersburg though had costly wreckage and the flushed bridges. Thirteen people died.

El Nino-Southern Oscillation

What El Nino is constitutes as a sizable scale climatic flucuation of the Pacific. It has a warm sur unique around Christmas time off Ecuador and Peru. Disappearing around March. Even two to seven years it hangs around for eighteen months. Making the El Nino Southern Oscillation, the initiation of it is unknown. Though pressure changes play a big allotment of it. Yet in an ENSO strong easterly winds are weakened at the equatorial Pacific. Letting warm waters rise. Temperature increases 2-3.5 degrees F along the W. Cruise of South America. The warmth of the water deepens and cold, up welling, nutrient-rich waters never reach the surface. So, basically warm and terrible in nutrient water emerge, hurting fisheries. The South American coast in turn has heavy rain as well as we get warmer in temperature along our Pacific Glide and have increased rainfall in the Gulf Luckily we get weaker hurricanes.

In severe circumstances the whole world can be affected. There have been 29 of these that we know of between 1700 and 1999. The worst being the 1982-83 El Nino. Then, Africa suffered a drought and California had storms. Thirteen hundred to two thousand lives were taken.

Hurricane Andrew

Now, the next hurricane I shall discuss is a dozy in topic, Hurricane Andrew . The second most destructive hurricane to hit the US. And the last of three category 5 hurricanes in the 20^th century. It remained the most devastating natural disasters in US history until Hurricane Katrina. The name Andrew has not been used since spring of 1993. Alex took its place.

The worst damage high-intensify storms has been thought to occurred from vortices (miniwhirls). There were thousands of these in hurricane Andrew. Many traced for miles as they destroyed every building in theirs paths.

Andrew began as a modest wave off the west skim of Africa on August 14. Passing the southern Cape Verde islands. Spawning a tropical depression on the sixteenth and the next day became hurricane Andrew. It developed slowly. Nearly diminishing on the twentieth from wind shear. By the twenty-first the hurricane was half way between. Bermuda and Puerto Rico when it turned to more splendid environment raising to a category 5 the next day. With winds 175 mph and pressure of 922 mbar. Yes, the storm was puny. Gale force winds extending ninety miles from the centers. So,, 180 miles in diameter, I believe.

Before any occurrence of the storm came to the Bahamas there was a predicted storm surge of 18 to 30 feet and 5 to 8 inches of rain. So evacuations were in order at 5 pm for residents of the Bahamas and Florida. They were also pre-cautioned tp protect life and property. Some individual tornados were thought to possibly hit south and central Florida on August 23^rd and 24^th.

Fifteen hundred National Guard troops were sent to Florida to fight looting.

Sandbag walls were set up in the south Bell Telephone Building of New Orleans and in the French Quarter the New Orleans levees and floodgates were closed and no sandbags for the public were available. New arial flights were to depart or arrive in New Orleans.

Landfall happened twice in the Bahamas. Sustaining 150 mph winds. Weakening after the second landfall with maintained winds but with rising pressure. It briefly regained its status as a category 5 in its next landfall over south Florida on August 24 with 165 mph winds.

On westward to the Gulf of Mexico it was a category 4 then went north bringing the storm to the central Louisiana coast on August 26 as a category 3 with 115 mph winds. NE bound, it merged with a frontal system over the mid-Atlantic states on the 28^th.

Andrew's winds weren't measured in south Florida due to destruction and/or failure of measuring instruments. The last transmission of 8 microscopic average of 142 mph with a peak of 169 mph winds was from the Coastal Marine Automated Network station at Fowry Rocks. In another report the official weather observer noted that the wind urge was estimated to be 125 mph at 4:45 a, EDT and remained at that speed for 3-5 minutes before the anemometer failed. Of course a 2002 ongoing review of historical hurricane records showed that Andrew sustained a wind speed of 165 during landfall.

Andrew produced a 7 foot storm surge near the landfall in Florida with storm tides of eight feet on the Louisiana waft. Also a killer storm occurred in SE Louisiana as Laplace was hit with an F5 tornado that grounded until it reached Reserve, St. John. The majority of damage was cause of winds. An indicator of this is the power lines brought down in the Keys. Water was maintained but boiled.

After moving across the Gulf SC Louisiana was again hit by the storm. Knocking out 152,000 customers electricity and destroying soy bean, corn, and sugar cane crops.

A Cruise Guard helicopter rescued four people and two dogs from a disabled 65 foot fishing boat.

Pain tom marine life was minimal. Oxygen was diminished in the water. This, not including the 182 million fish killed in the basin by the storm.

The hurricane wrecked eighty percent of the trees and killed 9.4 million fish. Sixty0two thousand people were housed in shelters and the Salvation Army supplied 37 mobile food storage faculties, serving 40,000 meals. Federal aid sent four 750,000 kilowatt generators, 2,500 cots, and 30,000 MRE's (pre-packaged meals). And 1,279 National Gaud troops were deployed. Not surprisingly enough alcohol sales were banned after the storm.

Hurricane Andrews catastrophic destructive sprung gossip that hundreds to thousands of migrant farm workers were killed and that their deaths were not reported. The Miami Herald found no basis for such claims.

There was a slow response of Federal Aid to victims in south Florida. Kate Hale, Dade country's emergency management director famously exclaimed, "Where the hell is the calvary on this on? They keep saying we're going to get supplies. For God's sake, where are they? " Then mobile kitchens and tents rolled in sometime after that, as George H.W. Bush said. Insurance claims ended in bankruptcy and draining closure of eleven insurance agencies and draining equity excessively from thirty others. One million residents were not eligible for coverage. Florida legislature then setup new agencies.

The Great Flood of 1993

This flood happened along the Mississippi and Missouri River's and their tributaries during the months of April through October. The weather brought abnormally heavy precipitation at the beginning of the year. This was they antagonist to the excess cloud condensation from earth-circling ash cloud produced by the massive eruption of the Phillippines volcano Mount Pintabo (1991). The autumn had much rain and soil moisture was above average. The reservoir levels of the Missouri and Upper Mississippi River. The region experienced heavy snowfall during the winter of 1992-1993. Trailing behind was the spring weather patterns that produced repetitive storms. Forty-eight inches of rainfall in East Central Iowa during April 1^st to August 31^st. The central northern plains got 400-750 percent more rain.

To give you more of an idea of the floods wreckage I'll start in April when the Mississippi River crested 6 to 10 feet above flood stage, it later did in May as well. In June they dropped below flood stage and continued to recede. But during the second week of June, they rose again and receded back slowly. By the end of June the Mississippi was four feet below flood stage at St. Louis while other areas were near flooding. Rain was one inch over in Kansas City and four inches over in Springfield.

The only event of May was that the Redwood River of Minnesota had severe flooding.

Flooding came of the Black River in Wisconsin in June. And of the Mississippi, Missouri, and Kansas Rivers.

July had even more rain in Missouri and Mississippi River regions in Missouri, Iowa, Kansas, Nebraska, North and South Dakota, Illinois, and Minnesota. Rainfall was 5 to 7 inches in 24 hours. Making the months total rainfall one inch over in St. Louis and Springfield and up to seven inches over in Columbia and Kansas City. The river gauges malfunctioned because of this. From July 11 t the 22, the Des Moines, Iowa water threatened facility was flooded having the plant to be shut down for the entire eleven days. When it was restored there was enough water pressure to bathe and flush toilets. Usage restrictions were lifted in August.

The Mississippi River stalled for a few days while waiting for the Missouri River to arrive so they could raise levels back to normal. This broke levees and drove people to higher grounds. Minor flooding occurred below the Ohio. From the Eastern US coincidal drought.

Sandbagging took space in the lower Missouri river, the River des Peres in St. Louis, and the Mississippi River south of St. Louis. Some efforts were successful.

Over 1,000 flood warnings were issued in St. Louis, two river levels were 20 feet over. It hadn't been that high in over 150 years. The fifty-two feet flood wall barely held the 1,844 volume flood. Only two feet spared.

On August1st, levee breaks near Columbia, Illinois flooded 47,000 acres of land. The water ran parallel to the river. August 3^rd was when the Corps of Engineers made the decision to break through the Mississippi Levee to put more water back in the river. All historical areas were saved. Prairie de Rocher and Fort de Chatres.

The Missouri River had all 700 privately built levees toppled and the Mississippi River at St. Louis crested 49.6 feet on August 1^st with a trot rate of over one million feet squared per second. The Busch Stadium could be filled with as powerful water in 69 seconds.

Some locations flooded for 200 days, others for 100 days. Some flood stages lowered by October 7^th. Ten acres of farmland and towns of Valmeyer, Illinois and Rhineland, Missouri, which were relocated. Twenty-eight lives were lost. More like fifty people though.

The Oklahoma Tornado Outbreak of 1999

Finally we come to the last tornado and storm I shall discuss, This tornado lasted three days, May 3^rd to May 6^th., Tornados sprang out in states of Oklahoma, Kansas, Arkansas and Tennessee. Beginning in Oklahoma and Kansas.

The more mountainous tornado touched down just south west of Amber, Oklahoma then went NE after a tornado that passed over Chicksasha. The storm proceeded to Bridge Creek.

In how it all began, you couldn't be more deceive by the first part of the days outbreak. Sunny, warm, and humid. But by late afternoon forecast began to indicate widespread and severe weather. Three pm, parts of Oklahoma and Kansas were out at high risk. The SPC issued a tornado watch by mid-afternoon. Dark skies took over and by mid-evening tornados broke out

May 3rd's contained 66 individual tornados. The most prominent tornado hit Chickasha in Oklahoma than became a F5 before going to Midwest City and disappearing. Forty-eight people fell victim.

On the storm went, crossing the Canadian River to far southern Oklahoma City with winds of 301 mph, give or take 20 mph, that occurred above ground. The winds beneath weren't as intense. The city of Moore was hit next. Then Oklahoma was hit thereafter, Del City, Tinker Air Force Unsuitable, then disintegrating reach the intersection of Reno Avenue and Woodcrest Drive. Thirty-six people were killed, 10,500 buildings destroyed. Three of the deaths reported were people who took refuge under neath overpasses in the Moore-Bridge Creek F5 tornado. Two additional overpass deaths were in Oklahoma City during the most violent of the tornados.

Other world renowned storms that I could discuss, but do not have enough words for are:

The Sahel Drought in Africa (1910-1914, 1940-1944, 1970-1985)

Again Drought in India (1900, 1907, 1965-67) in China (1907, 1928-30, 1936, 1941-42) in the Soviet Union (1921-22)

The China Typhoons (1912, 1922)

Yangtze River Flood of China 1931

Smog Of London 1952

Europe Strom Surge 1953

Great Iran Flood 1954

Typhoon Vera in Japan 1958

Bangladesh Cyclone 1920

North Vietnam Flood 1971

Iran Blizzard 1972

Typhoon Thelma in the Philippines 1991

Bangladesh Cyclone 1991

Hurricane Mitch 1998

So, for those who've been victim to Katrina and the Philippines and other recently devastating storms, lets give them the help they deserve. For these storms are an example that it effects everyone.