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FAQ

Underinsured driver (A) hits a car and causes injuries to another driver (B), who has no "underinsured motor vehicle" coverage but has private health insurance through his employer. Will the health insurance cover the injuries if driver A can't pay?
Does health insurance cover injuries from a car accident?The SHORT ANSWER to the question:QUESTION DETAILS: "will the health insurance of driver "B" cover the expenses if the underinsured driver can't pay" is one (1) of the following:YesIn states that have No-Fault laws, Yes, but secondarily to other collectible insurance on your auto policy.QUESTION DETAILS: "I'm trying to decide how much underinsured coverage I need for my auto insurance or if I need at all."There is a big difference between what is covered under Health Insurance compared to Uninsured Motorist Coverage. When selecting appropriate limits on your auto insurance policy this is very important to understand. Read on if interested.+++++++++++++++++ MORE INFORMATION++++++++++++++++++PRIMARY vs. SECONDARY COVERAGE:Generally, auto insurance coverage that responds with first party benefits (say medical expenses) are primary before any Health Insurance you may have. First party coverages go by the following names:Personal Injury Protection (or No-Fault coverage) andMedical PaymentsThe above are examples of coverage that would be primary for medical expenses associated with injuries to the insured and passengers.HEALTH INSURANCE is very different than UNINSURED MOTORIST COVERAGE:Your question asks about Uninsured/Underinsured Motorist Coverage (page 6 of the Standard ISO Auto policy) rather than Personal Injury Protection so it may be safe to assume that you are NOT in a No-Fault State.Regardless, Uninsured/Underinsured Motorist Coverage provides MORE than just coverage for medical expenses in the event of injury to the insured or passengers. It's actually, a very different form of insurance.How UNINSURED MOTORIST COVERAGE Differs from HEALTH INSURANCE: Uninsured/Underinsured Motorist Coverage[1]  offers first party benefits like medical expenses, but it ALSO provides coverage for compensatory damages[2]  including:Loss of Enjoyment of LifeLost WagesLost Earning PotentialPain and Suffering or Emotional DistressLoss of Consortium - or Damage to relationshipsUninsured/Underinsured is akin to Bodily Injury Liability Insurance, but in reverse. Liability Insurance is purchased to protect an insured from lawsuits brought by others in the event found they are found negligent. UNINSURED MOTORIST PROTECTS YOU and your PASSENGERS:Uninsured Motorist is designed to protect (say provide benefits "to") the insured AND passengers from the improperly insured driver who would otherwise be responsible for compensatory damages as outlined above. Bottom line... Uninsured/Underinsured Motorist is quite different in the type of damages for which it will pay, and who it will pay for, compared to that provided by your Health Insurance. Choose your Uninsured/Underinsured Coverage limit carefully and accordingly. ;). Best Regards.Footnotes[1] Uninsured motorist clause[2] Compensatory Damages
Is the BRNL IPO worth buying?
So the latest offering in the primary market is Bharat Road Network Limited IPO. Everyone knows that the much needed impetus to our economy has to come through rapid Infrastructure construction/upgradation. Having said that this company perfectly fits in that space , but is it worth investing? Let’s find out.Issue Timetable:Price Band of this Issue:Objects of the Issue:You can see that the objects of Issue is mainly repaying a part of the debt off of the company and its subsidiary. This can make investors a bit hesitant.Observations from Balance Sheet:Reserves & Surplus grew from -786 Million? to + 3842 Million?. This jump is very huge and augurs well for a capital intensive road construction company such as BRNL.Long term borrowings jumped 4 times from 2804 million? to 8752 million? in 2016 from 2015 and then as of November 31, 2016 the long term borrowings halved to 4521 million?. This shows the long term borrowings figure spikes and goes down again. Since road construction companies are capital intensive businesses , such spikes are not unusual.Short term borrowings has come down from 2865 million? in 2015 to 214 million?. This means that earlier the company was struggling to meet its working capital requirements but since the amount has come down exponentially , prima facie it seems like that the company’s cash flows are in order. But we will have a look at Cash flow ahead and ascertain whether this is true.Current Assets has grown in a consistent manner.Trade receivables is hardly 0.08% of total assets. This is also favorable as it shows the company’s receivables are not tied up with debtors.Observations from P&L:Revenue has been growing consistently.Finance costs form a major part of their costs.Share of loss of its subsidiaries has always dragged down the profitability of the company.There has been no reported profit by this company in the last 4 years.Observations from Cash Flow:Cash flow has been negative for the past 4 years. This is a major cause of concern as this shows that the business is not generating any excess cash over its costs. Instead of money being left at the end of the year , the company has to put in extra capital to cover the loss.EPS:EPS has been negative for the past 3 years. And thus it is not possible to calculate Price to Earnings ratio.Debt to Equity:Debt to Equity has been 0.9 as of 31 Nov , 2016.Book Value and Price to Book Value:The book value of share is (66.90) and thus price to book value calculation is also not possible.Listed Peer Comparison:Risks involved in this IPO:Business is significantly dependent on various Government entities and could be adversely affected if there are adverse changes in the policies adopted by such Government entities.Both their Subsidiaries and four of their Associate Companies have incurred losses in the eight months’ period ended November 30, 2016 and/ or the last three preceding Fiscals. This could impose additional financial and performance obligations on our Company, resulting in reduced return on investments or in some cases, losses from the investment activities.Opportunities for the sector in which company operates:Major infrastructure development requires substantial capital investment. The policies of the Indian government April 2000 to September 2015 stood at $4,423.46 million according to the Department of Industrial Policy and Promotion (DIPP). The government has introduced significant policy reforms to augment FDI inflows, to further boost investments and enhance infrastructure. The infrastructure industry includes roads, power, railways, urban infrastructure and others. The road sector is the key contributor to overall investments in the infrastructure industryPassenger car Sales and Commercial Vehicle sales are expected to grow YoY as depicted below:Using Road as a means of transport is slated to go up:[1]Disclosure: This Review is just a scaled down version. If you wish to read the elaborated version you may visit this link[2] :Conclusion: I have pointed out all the pros and cons of this IPO. This IPO review article should not be taken as a recommendation to take up or not take up a position in this IPO. Kindly read this company’s prospectus filed with SEBI before investing or consult your financial adviser if necessary.Hope you liked the article,Thanks,-ASLNKFootnotes[1] http://www.sebi.gov.in/sebi_data...[2] http://stocksandbiceps.com/wp/20...
How many four-digit numbers can be formed from the eight digits 2, 3, 4, 5, 6, 7, 8 and 9 without repetition are multiples of 4?
If the last two digit of a number is divisible by 4, then the whole number is divisible by 4.Let, consider the two digit numbers which are made of the given digits ( 2, 3, 4, 5 , 6 7, 8, 9) and divisible by 4. Such numbers are listed below.24, 28, 32, 36, 48, 52, 56, 64, 68, 72, 76, 84, 92, 96(44 and 88 are not listed here, because they are made of repeating digits)Now, if you consider, the last two digits are 2 and 4, then you have to choose the 1st and 2nd digit of the number from the remaining 6 digits ( 3, 5, 6 , 7, 8, 9). As, there is no repeating digit in the number and last two digits are fixed , then you can choose the 1st and 2nd digit in ( 6 *5 =) 30 ways.So, when the last two digits are 2 and 4, you can get 30 different four digit number which are divisible by 4.In the same way, you can get the 30 different four- digit number when the last two digits are 2 and 8 (or 3 and 2 or 3 and 6 … so on )So, the answer is ( 30* 14 = ) 420
How many four-digit numbers can be formed from the digits 1, 2, 3, 4, 5, 6, 7 and 8, repetition of a digit is allowed?
Using the J programming language:#b=.a#~999a=.10#.(odo 4#8){1+i.84096The answer is 4096List first & last:b1111 1112 1113 1114 1115 1116 1117 1118 1121 1122 1123 1124 1125 1126 1127 1128 1131 1132 1133 1134 1135 1136 1137 1138 1141 1142 1143 1144 1145 1146 1147 1148 1151 1152 1153 1154 1155 1156 1157 1158 1161 1162 1163 1164 1165 1166 1167 1168 1171 1172 1173 1174 1175 1176 1177 1178 1181 1182 1183 1184 1185 1186 1187 1188 1211 1212 1213 1214 1215 1216 1217 1218 1221 1222 1223 1224 1225 1226 1227 1228 1231 1232 1233 1234 1235 1236 1237 1238 1241 1242 1243 1244 1245 1246 1247 1248 1251 1252 1253 1254 1255 1256 1257 1258 1261 1262 1263 1264 1265 1266 1267 1268 1271 1272 1273 1274 1275 1276 1277 1278 1281 1282 1283 1284 1285 1286 1287 1288 1311 1312 1313 1314 1315 1316 1317 1318 1321 1322 1323 1324 1325 1326 1327 1328 1331 1332 1333 1334 1335 1336 1337 1338 1341 1342 1343 1344 1345 1346 1347 1348 1351 1352 1353 1354 1355 1356 1357 1358 1361 1362 1363 1364 1365 1366 1367 1368 1371 1372 1373 1374 1375 1376 1377 1378 1381 1382 1383 1384 1385 1386 1387 1388 1411 1412 1413 1414 1415 1416 1417 1418 1421 1422 1423 1424 1425 1426 1427 1428 1431 1432 1433 1434 1435 1436 1437 1438 1441 1442 1443 1444 1445 1446 1447 1448 1451 1452 1453 1454 1455 1456 1457 1458 1461 1462 1463 1464 1465 1466 1467 1468 1471 1472 1473 1474 1475 1476 1477 1478 1481 1482 1483 1484 1485 1486 1487 1488 1511 1512 1513 1514 1515 1516 1517 1518 1521 1522 1523 1524 1525 1526 1527 1528 1531 1532 1533 1534 1535 1536 1537 1538 1541 1542 1543 1544 1545 1546 1547 1548 1551 1552 1553 1554 1555 1556 1557 1558 1561 1562 1563 1564 1565 1566 1567 1568 1571 1572 1573 1574 1575 1576 1577 1578 1581 1582 1583 1584 1585 1586 1587 1588 …..…. 8411 8412 8413 8414 8415 8416 8417 8418 8421 8422 8423 8424 8425 8426 8427 8428 8431 8432 8433 8434 8435 8436 8437 8438 8441 8442 8443 8444 8445 8446 8447 8448 8451 8452 8453 8454 8455 8456 8457 8458 8461 8462 8463 8464 8465 8466 8467 8468 8471 8472 8473 8474 8475 8476 8477 8478 8481 8482 8483 8484 8485 8486 8487 8488 8511 8512 8513 8514 8515 8516 8517 8518 8521 8522 8523 8524 8525 8526 8527 8528 8531 8532 8533 8534 8535 8536 8537 8538 8541 8542 8543 8544 8545 8546 8547 8548 8551 8552 8553 8554 8555 8556 8557 8558 8561 8562 8563 8564 8565 8566 8567 8568 8571 8572 8573 8574 8575 8576 8577 8578 8581 8582 8583 8584 8585 8586 8587 8588 8611 8612 8613 8614 8615 8616 8617 8618 8621 8622 8623 8624 8625 8626 8627 8628 8631 8632 8633 8634 8635 8636 8637 8638 8641 8642 8643 8644 8645 8646 8647 8648 8651 8652 8653 8654 8655 8656 8657 8658 8661 8662 8663 8664 8665 8666 8667 8668 8671 8672 8673 8674 8675 8676 8677 8678 8681 8682 8683 8684 8685 8686 8687 8688 8711 8712 8713 8714 8715 8716 8717 8718 8721 8722 8723 8724 8725 8726 8727 8728 8731 8732 8733 8734 8735 8736 8737 8738 8741 8742 8743 8744 8745 8746 8747 8748 8751 8752 8753 8754 8755 8756 8757 8758 8761 8762 8763 8764 8765 8766 8767 8768 8771 8772 8773 8774 8775 8776 8777 8778 8781 8782 8783 8784 8785 8786 8787 8788 8811 8812 8813 8814 8815 8816 8817 8818 8821 8822 8823 8824 8825 8826 8827 8828 8831 8832 8833 8834 8835 8836 8837 8838 8841 8842 8843 8844 8845 8846 8847 8848 8851 8852 8853 8854 8855 8856 8857 8858 8861 8862 8863 8864 8865 8866 8867 8868 8871 8872 8873 8874 8875 8876 8877 8878 8881 8882 8883 8884 8885 8886 8887 8888
The most powerful factions of the last two video games you played are going to war. Who wins?
Oh boy.One of the two games I played was Star Wars: Battlefront II.I think the strongest faction there is ye olde Galactic Empire.Now, those guys pack a big punch:Super Star Destroyers! And about 25’000 regular ones I believe.Sith Lords!Robo-Camels! Wait a minute…In all seriousness, the Empire is a vast and very advanced adversary. You don’t want to mess with these guys.However…The last game I played was…Warhammer 40k: Dawn of War IISo that leaves us with the Warhammer 40k universe. Now, there have been numerous answers dealing with Imperium vs. Empire before, but let’s not kid ourselves who’s actually the most dangerous faction in WH40k:The Necrons!Each individual “soldier” carries a weapon that doesn’t care for armor in the slightest. They’re basically impervious to small arms fire.Let us not even talk about the hell an Overlord or Cryptek could unleash. Force powers? Cute, let me just incinerate the sky for you.Don’t think Star Wars’ advanced FTL travel gives them an advantage here, either. While the Imperium of Man has to go through literal hell to go anywhere quickly, the Necrons… don’t. Depending on source, they either use the Webway or simply eliminate inertia. Either way, they at least match hyperspace speed without the need for routes apparently. They also possess technology that renders shields and any armor the Inperial Navy may employ pointless. Especially at the close ranges the Empire seems to prefer.And, if by some miracle, the actually run into trouble with the Empire, there are C’tan shards:Basically a god in a box.Let’s not talk about the Celestial Orrery, as that is downright cheating.It should also be noted that the Necrons rely on infinitely advanced technology, so they don’t need the Warp or such a thing to be ridiculously powerful.A reasonably sized and focused Necron force will downright curbstomp the poor Empire.While I love Star Wars, when the average enemy soldier can disintegrate a tank while you need one just to kill him, you’re in trouble.All in all, Necrons stompNo Emperor stomp? This is HERESY!!!!!