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Stranger sets fire to door
Jan 11, 2012 | 4 Comments
By Paul Daquilante
Of the News-Register
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Reminds me of the guy in Portland after stealing a car and crashing why running from police, Held hostages in a home for a brief period and demanded a popsicle and beer.
Troy Prouty*
Something like this happened a while ago where someone kicked in a door and "attacked" the inhabitants....I bet its the same people.
People complain of government intrusion, abuse of police power, and police overstepping their bounds yet you insist on harassing the VICTIMS because of an article in the NR that may or may not have all the information regarding this case?
It doesn't matter if they have something to hide or not, it does not matter if they are criminals, and it does not matter if they have an entire criminal organization behind their door- the fact is this guy attempted to kill them by setting their apartment on fire and possibly killing others as well if the fire had spread. THAT is all that matters. He should be held for attempted murder as far as I am concerned, it would be satisfying if they could give him a charge for EACH resident that was in their apartment that day.
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Mar 22 - Homily: Eternal Covenant
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Southwestern Steak and Beans Crock Pot
By Baker*Chick on January 28, 2003
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1 lb dried pinto bean
6 cups water
1/2 lb salt pork, cut up
1 lb chuck steak, 1 inch cubed
1 red chili pepper
1 medium onion, chopped
2 garlic cloves, minced
1 (6 ounce) cans tomato paste
1 1/2 tablespoons chili powder
1 teaspoon cumin seed
1/2 teaspoon marjoram
Soak beans in water overnight.
Brown salt pork in skillet; drain off fat in paper towels.
In crock pot, combine soaked beans (with water), browned pork and remaining ingredients.
Cover and cook 1 hour on high.
Reduce heat to low and cook an additional 8 to 9 hours.
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Pittsburgh CEO Josh Knauer advising Presidential working group on technology
- Malia Spencer
One day in May, Josh Knauer, CEO of Southside-based Rhiza Labs, was in his office and the phone rang.
It was the White House switchboard.
That White House.
"Your heart skips a beat, obviously," he recalls with a laugh.
Since then Knauer has been a member of a working group of President Obama's Council of Advisors on Science and Technology (PCAST). It is only this week he has been cleared to talk to people about his membership on the 10-person Working Group on Biodiversity Preservation and Ecosystem Sustainability.
He can't name the other members. But, he says, they are an impressive group of people from around the country.
As a member of this working group, he is working on issues related to federal policy regarding open data and government transparency when it comes to agencies that deal with ecosystems. Such agencies include the Environmental Protection Agency, the U.S. Forest Service or U.S. Fish and Wildlife.
The working group is looking at how to get data flowing among researchers in various agencies, the government and the public, he said.
"The biggest thing I am fighting for and educating the committee about are specifically how to define what is open data and what are the definitions for success in public open data — data that is fully available to anyone with access," Knauer said.
Knauer didn't sign up for the position but was approached by the group. He did have some past contact with a deputy chief technology officer from the White House Office of Science and Technology Policy at previous speaking events and that may have led to the appointment, Knauer speculates.
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Two Tepco affiliates to merge businesses -Nikkei
TOKYO, April 26
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TOKYO, April 26 (Reuters) - Takaoka Electric MFG Co and Toko Electric Corp, two companies affiliated with Tokyo Electric Power Co, will merge their businesses under a new holding company around October, the Nikkei business daily reported on Thursday. The move comes as Tepco, reeling from the crisis at its Fukushima Daiichi nuclear plant, is looking to reduce the amount it pays for power and services from the firms, the paper said. Tepco owns 29 percent of Takaoka and 45 percent of Toko.
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FAYETTEVILLE (WTVD) -- The Fayetteville Police Department says a US Marshal's task force has captured one of two men wanted in a robbery and rape at an auto parts store earlier this week.
Cortese Davis, of Spring Lake, was found at a home on Blue Street in Fayetteville. He is being held on a $1.3 million dollar secured bond.
Police continue to search for Smith Paul Merinord, of Dunn.
The pair is accused of robbing the Advance Auto store on Owen Drive at Cumberland Road around 8:20 p.m. on Saturday.
Fayetteville police say the robbers came into the store and asked about a part for a car. As a female employee searched for the part, one the men pulled out a gun and demanded money.
The store's employees were taken to the back of the store where one of the robbers held a male employee at gunpoint while the second robber sexually assaulted the female employee.
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About an hour later, an Advance Auto Parts in Lumberton was robbed by two men who match the description of the Fayetteville robbers.
Anyone with information on the whereabouts of Merinord is asked to call Detective J. Benazzi at (910) 257-3668 or Sergeant G. Womble at (910) 916-2764. Crimestoppers information can also be submitted by calling (910) 483-TIPS (8477) or by visiting http://www.fay-nccrimestoppers.org/send_a_tip.aspx and completing the anonymous online tip sheet.
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Category Archives: Blogroll
OBF accepted for GSoC 2012
Google announced today that the Open Bioinformatics Foundation (OBF) has been accepted as a mentoring organization for Google Summer of Code 2012! Continue reading
Call for abstracts for BOSC 2012
Call for Abstracts for the 13th Annual Bioinformatics Open Source Conference (BOSC 2012), a Special Interest Group (SIG) of ISMB 2012. Dates: July 13-14, 2012 Location: Long Beach, California Web site: http://www.open-bio.org/wiki/BOSC_2012 Email: email@example.com BOSC announcements mailing list: http://lists.open-bio.org/mailman/listinfo/bosc-announce Important … Continue reading
Cross-links in GenomeDiagram
I've just finished writing up an example for the Biopython Tutorial of the new GenomeDiagram functionality added in Biopython 1.59. You can now control the start and end points of individual tracks, and you can add cross-links between regions of … Continue reading
Biopython 1.59 released
Source distributions and Windows installers for Biopython 1.59 are now available from the downloads page on the Biopython website and from the Python Package Index (PyPI). Continue reading
OBF Annual Meeting 2011
The annual Board of Directors Meeting of the Open Bioinformatics Foundation will take place on November 8, 2011. As in previous years, it will be held by conference call, estimated to be about 2 hrs long. Continue reading
Chromosome Diagrams in Biopython
One of the new things coming in Biopython 1.59 is improved chromosome diagrams, something you may have seen via Twitter. I've just been updating the Biopython Tutorial (current version here, PDF) to include an example drawing this: Here's a PDF … Continue reading
Biopython 1.58 released
Source distributions and Windows installers for Biopython 1.58 are available from the downloads page on the Biopython website and from the Python Package Index (PyPI). A new interface and parsers for the PAML (Phylogenetic Analysis by Maximum Likelihood) package of … Continue reading
OBF and Google Summer of Code 2011
Google announced today the Open Bioinformatics Foundation (OBF) has been accepted as a mentoring organization for the 2011 Google Summer of Code! Continue reading
Biopython dropping Python 2.4 Support?
The forthcoming Biopython 1.56 release is planned to be our last release to support Python 2.4. If you would be negatively affected us dropping support for Python 2.4, please let us know as soon as possible. Continue reading
BioPerl has moved to GitHub
BioPerl has migrated to git and GitHub! We have also set up a mirror set of several key repositories at the great public git hosting site repo.or.cz. If you are a current BioPerl developer (had a previous account for direct access … Continue reading


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January 21, 2010
WELLINGTON, New Zealand — Fifty percent of public transit passengers intentionally avoid social interaction by doing such isolating activities as listening to music or reading, according to the story reported by Discovery.com. Making adjustments to seating arrangements would help foster an environment more conducive to conversation and help attract more passengers to public transportation. For the complete story, click here.
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With is raspberry and cherry aromas and distinctive plum and black cherry flavors, accented by hints of tea, leather and spice, the 1996 Camelot Pinot Noir is a smooth and easy wine to drink. John Crandall, Winemaker
Camelot embraces California's bountiful viticultural riches: its many world-class winegrowing regions, ranging from the Central Coast, with its alluvial soils and marine-influenced microclimates, to the warm, hilly expanses of the historic Sierra Foothills Gold Country. They carefully research these areas to identify their best grape varieties, then source fruit from outstanding...Read More About Camelot
The largest of California's wine growing regions, the Central Coast produces the majority of California's wine. The district sprawls out, covering most of the vineyard land between San Francisco and Santa Barbara. Smaller sub-AVAs of the Central Coast include Monterey Bay, Paso Robles, Santa Ynez Valley, Santa Maria Valley, Santa Cruz Mountains and many others. Notable Facts...Read More About Central Coast
Pinot Noir(PEE-noh nwahr) Pinot Noir is a finicky grape. It only grows in the right climate, with the right soils and the right care. Perhaps because it is so difficult is why it is so loved. Pinot Noir hails from Burgundy, a region known for crafting the most collectible and sought-after wines from this varietal. Not only does Pinot reign in Burgundy, it is also...Read More About Pinot Noir
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- Valparaiso tops Illinois-Chicago 73-63 Updated: Mar-04-14 11:35 pm
- Bader, Mondy pace Oakland past Illinois-Chicago Updated: Feb-21-14 10:33 pm
- Cleveland State rolls past Illinois-Chicago 73-53 Updated: Feb-13-14 10:12 pm
VALPARAISO, Indiana - Alec Peters scored 29 points and No. 4 seed Valparaiso topped ninth-seeded Illinois-Chicago 73-63 Tuesday in the first round of the Horizon League tournament.
CHICAGO - Travis Bader scored 28 points and Duke Mondy added 17 with eight assists and seven boards to pace Oakland past Illinois-Chicago 86-71 on Friday night.
CLEVELAND - Trey Lewis scored 18 points and Jon Harris added 15 with nine rebounds to help Cleveland State roll to a 73-53 win Thursday night over Illinois-Chicago.


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Guyana in 1996
Article Free PassA republic and member of the Commonwealth, Guyana is situated in northeastern South America, on the Atlantic Ocean. Area: 215,083 sq km (83,044 sq mi). Pop. (1996 est.): 712,000. Cap.: Georgetown. Monetary unit: Guyana dollar, with (Oct. 11, 1996) an official rate of G$138.90 to U.S. $1 (G$218.81 = £ 1 sterling). President in 1996, Cheddi Jagan; prime minister, Sam Hinds.
The National Assembly authorized the re-opening of the Omai gold mine, Guyana's largest, in February 1996, after it had been closed for almost seven months. The mine, a major earner of foreign exchange, was ordered shut in 1995 when a storage pond retaining wall collapsed, allowing 3.2 million cu m (4.2 million cu yd) of cyanide waste to contaminate the Essequibo River.
Guyana obtained substantial financial relief in May when the Paris Club of creditor nations wrote off U.S. $500 million of the nation's foreign debt. In July the country suffered severe flooding, which caused millions of dollars' worth of damage.
Emperors, Conquerers, and Men of War: Fact or Fiction?
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Portable Document Format (PDF) is a file format used to represent documents in a manner independent of application software, hardware, and operating systems
Women's plus size tunic sewing pattern available for download. Available in various sizes.
This is the fastener-free tunic in lightweight, nostalgically patterned batiste with cleverly laid front tucks, is so sweet! Simply wear it with jeans to give it an everyday look.
Note: This is the same pattern PDF as the Clean-Cut Dress
Fine, lightweight blouse fabrics.
width: 135 cm (53 ins)
length: 1.90 – 2.00 – 2.15 – 2.40 – 2.40 m
(2 1/8 – 2 1/4 – 2 1/2 – 2 5/8 – 2 5/8 yds).
Elastic, 7 mm (1/4 in) wide and 0.60 m (3/4 yd) long.
This pattern doesn't include seam allowance
Produced by burda style magazine
Produced by burda style magazine
Produced by burda style magazine
Jan 29, 2013, 10.58 PMby citycraft
Wish this was available in non-plus sizes!
It's time to enter for our grand prize, an EX100 machine PLUS a trip to Nashville!
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Editors' Pick
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Find full size patterns for these, and other gorgeous styles in the spring issue!


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Penultimate Windows XP update on March 11
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Microsoft releases Office 2013 Service Pack 1
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Adobe issues emergency Flash update to patch zero-day exploit
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My friend Ali is a crazy sewer. She has not worn the same thing twice for as long as I can remember, and her room is a bed of fabrics and half cut up clothing. She sews (almost) 24 hours a day, never uses a pattern, and always looks absolutely fabulous.
This skirt is based on one I saw her wearing the other day. She has this technique of using a strip of stretch fabric as the belt so that it can just slide on, then adding a button or another classy fastener to add a pretty detail. When in a sewing rush like I was for my fashion show, this was an amazing project.
Model- Maya Korbynn
Photographer- Nicola Hodges
No Pattern Used
Ribbed Stretch Cotton, Awesome Printed Cotton, Funky Chunky Button
Editors' Pick
Break out the floral prints for this 1940s inspired spring collection.
Enter each week to win great prizes!
Guest Columns
Behind the seams with Marina von Koenig Part 2
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Get all 11 of these retro inspired patterns for one low price!
Pattern of the Week
Hippie meets grunge in this plaid top with flared sleeves and a round neckline.


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Anonymous: Just finished a 3 month long internship. Waiting to find a job, but it seems whenever I stop working and have down time I become depressed and think of the past. I've gained a lot if weight too in this off period. I just don't know what to do with myself if I'm not constantly busy
Aw I'm sorry dear. You should join a gym! Great way to stay busy :) that's what I do. Good luck finding a job
Anonymous: I've never heard of the local natives but instantly fell in love. Thank you so much. Needed something new!
No problem! Love them.


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Video playback from the iPhone
By Jesse Hollington
Social Media & Software Editor, iLoungeGoogle+
Published: Thursday, August 2, 2007
Articles Categories: Ask iLounge, iPhone, Video
Ask iLounge offers readers the opportunity to get answers to their iPod-, iPhone-, iPad-, iTunes-, or Apple TV-related questions from a member of the iLounge editorial team. We'll answer several questions here each week, and of course, you can always get help with more immediate concerns from the iLounge Discussion Forums. Submit your questions for consideration using our Ask iLounge Submit Form. We reserve the right to edit questions for grammar, spelling, and length.
Q: Does the iPhone play video through it's dock connector? It appears the iPhone dock is an audio only output. Can I place the iPhone in the Universal Dock to play videos through either it's composite or s-video connector? Does video play out of the headset port like in the iPod video?
- Chrystopher
Unfortunately, the iPhone does not offer any kind of video output capabilities at all, through either the Dock Connector or the headphone port.
Connecting video playback accessories to the Dock Connector port will generally provide audio playback, but no video output as the iPhone simply does not provide a signal through this port.
With regards to the headphone port, the third connector is actually used for the iPhone's headset microphone input, and therefore connecting a standard iPod video cable to a TV would not only provide no video output, but in fact could conceivably damage the iPhone, since the yellow lead would be mapped to the microphone input, rather than a video output.
Whether this feature has been permanently eliminated, or whether it will be added in a future firmware update is uncertain at this point. However, it is important to note that the iPhone has been designed as a multi-purpose device with an emphasis on phone and Internet features, and therefore this may be an omission based on the nature of the device itself. Whether or not a next-generation iPod will continue to provide this capability is equally uncertain, but the feature set of the iPhone should probably not be taken as any indication.
The fifth-generation iPod, of course, continues to support video output through either the Dock Connector or the headphone port, and the Apple TV is certainly an option if you will frequently be watching videos on a TV. Both of these devices provide significantly greater storage capacity than the iPhone, and all will synchronize video playback tracking information such as last played time, play count, and even bookmarked playback position between all three devices via iTunes.
The most asked question at iLounge.com: |
Converting DVDs, web video, TV shows and more: The Complete Guide to iPod, Apple TV and iPhone Video Formats |
Converting DVDs, web video, TV shows and more: The Complete Guide to iPod, iPhone and Apple TV Video Conversion (Mac) |
Converting DVDs, web video, TV shows and more: The Complete Guide to iPod, iPhone and Apple TV Video Conversion (Win) |
Find more answers in the latest publications in our Library. Free downloads developed by the editors of iLounge!
Ask iLounge Archives:
1-24-14: Viewing only downloaded iTunes Match tracks
1-22-14: Splitting purchased content between two iPads
12-13-13: Non-Bluetooth Lightning dock speakers
12-11-13: Shared Apple ID and switching away from iPhone
12-6-13: Syncing multiple iCloud data with a family Mac
Related Stories
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If you have a comment, news tip, advertising inquiry, or coverage request, a question about iPods/iPhones/iPad or accessories, or if you sell or market iPod/iPhone/iPad products or services, read iLounge's Comments + Questions policies before posting, and fully identify yourself if you do. We will delete comments containing advertising, astroturfing, trolling, personal attacks, offensive language, or other objectionable content, then ban and/or publicly identify violators.
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brandywellpride, supporters, club, derry, city, derrycity, football, league, irelandSiloam Ministries Inductive Bible Study
This website is designed to aid individuals in learning there bibles. It was also created to allow those with common interest to get to know one another.
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2 people want to try | 4 have favorited
Top-ranked recipe named "Texas Table Sauce for Barbecue"
In a 2 cup measure, conbine vinegar and water. Stir in salt, pepper, paprika, brown sugar, molasses and dry mustard. Set aside to boil over medium/low heat. Stir in vinegar water. TRANSFER to outside grill and simmer uncovered for an hour or so,,, stirring from the jar in the refrigerator. SERVE HOT WITH BARBECUE,,, (this is VERY similiar to one served in one of our more popular BBQ restaurants.)
Date | My private notes | |


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use the following search parameters to narrow your results:
e.g. subreddit:aww site:imgur.com dog
subreddit:aww site:imgur.com dog
see the search faq for details.
advanced search: by author, subreddit...
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Emulation news and discussion
Can someone help out with this problem? (imgur.com)
submitted 1 year ago by LunaLacuna
view the rest of the comments →
[–]blankblank1980 2 points3 points4 points 1 year ago*
i found this http://code.google.com/p/dolphin-emu/issues/detail?id=1054 http://www.mediafire.com/?j72n7t36t4673
[–]delrothDeveloper 1 point2 points3 points 1 year ago
Unlikely to be the same issue, also this bug has been fixed in all versions of Dolphin for several months (OP is using 3.5 which is 2.5 weeks old).
all it takes is a username and password
for more information, see our privacy policy.
create account
is it really that easy? only one way to find out...
already have an account and just want to login?
π Rendered by PID 4528 on app-128 at 2014-03-11 06:02:44.635231+00:00 running 891a1a8.


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text: Not hopping aboard the hype train on this one folks. If the US remakes it (which you know we will), I think it may have a weeeee bit of potential. But the over all film itself is a jumbled up mess. I like to call this film Worst Parents Ever: THE MOVIE!


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By Andrew Janquitto, Partner, Mudd, Harrison & Burch, L.L.P
Chapter 62 examines physical damage coverage for motor vehicles, which is a first-party insurance coverage designed to protect the insured vehicle from direct and accidental loss caused by a variety of transportation and non-transportation risks.
Section 62.01 provides an introduction to the three types of physical damage coverages: collision, comprehensive, and named-perils. Collision and comprehensive are the most common forms and are available in both personal and commercial lines. An insured can buy either or both. They are designed to be complementary. The third form, named-perils coverage, is more commonly found today in commercial lines. An insured might buy collision and named-perils or one and not the other. An insured would not buy comprehensive and named-perils coverage because the former encompasses all losses covered by the latter. Section 62.01 also outlines two important areas in any coverage dispute: state regulation and contract drafting and interpretation. Section 62.01[2][a] provides an overview of the state regulation of physical damage coverage. No state mandates physical damage coverage, but a few require that it be offered. Many states, however, regulate ancillary aspects of physical damage coverage or losses under the coverage. Section 62.01[2][b] provides insight into a sampling of the type of subjects addressed by state statutes or regulations. Issues related to the language used in insurance policies providing physical damage is the subject of Section 62.01[3]. As explained by Section 62.01[3][a], the language varies from insurer to insurer, and from personal lines to commercial lines. Section 62.01[3][b] covers policy forms developed by the Insurance Services Office, Inc., more commonly known as ISO. A brief discussion of two ISO forms, the Personal Auto Policy and the Business Auto Policy, is contained therein. These forms are used throughout this chapter to illustrate the type of language found in insurance policies; however, the exact language of the policy involved in the dispute must be analyzed because the language varies and many insurers modify ISO forms. A few major insurers do not use ISO forms, preferring instead to draft their own forms. The rules of contract construction employed by states have a significant bearing on any insurance coverage dispute. Section 62.01[3][c] discusses the importance of consulting the specific rules employed, which vary from jurisdiction to jurisdiction and may, ultimately, be outcome determinative. A similar topic-the burdens of proof placed on insureds and insurers in coverage disputes-is addressed by Section 62.01[3][d]. These burdens, like the rules of construction, control the outcomes of many cases. Finally, Section 62.01[3][e] points out the important distinction between statutory requirements and policy provisions. In no instance can a policy provide less coverage than mandated by statute, but nothing prevents an insurer from providing more coverage.
Section 62.02 addresses collision coverage, which provides coverage for damage to or loss of the insured motor vehicle caused by three specific perils. Section 62.01 provides a brief outline of the history of collision coverage. Section 62.01[2][a] focuses on the risk known as "upset." In most upset cases, the vehicle flips over on its side or rolls repeatedly. But upset as a risk is broader and involves any loss of equilibrium by the insured vehicle. Section 62.02[2][b] tackles the archetypal risk covered by collision coverage-the collision of the insured vehicle with another vehicle. Section 62.02[2][b][i] highlights the definition of collision, which is broadly construed as the striking together of two bodies. A collision between two vehicles can involve a moving vehicle and a stationary vehicle or two moving vehicles. Section 62.02[2][b][ii] considers the language used by many insurers, which defines collision as the impact with another vehicle (rather than another motor vehicle). Section 62.02[2][c] examines the last risk falling within collision coverage-the impact of the insured vehicle with another object. Section 62.02[2][c][i] shows that "object" has been repeatedly interpreted by courts in a broad manner to include anything tangible. Section 62.02[2][c][ii] discusses the controversial topic of impacts between the insured vehicle and the roadway. Section 62.02[2][c][ii] discusses another controversial topic: impacts with flying or falling objects. Many of the appellate cases involving impacts with the roadway or impacts with flying or falling objects were decided under different policy language. Additionally, many of those decisions were rendered in the early days of comprehensive coverage. In general, the judicial treatment of collision and comprehensive coverage, and particularly how the two relate to each other, has evolved, thus bringing into question the precedential value of some of the earlier decisions.
Section 62.03 is concerned with the second type of physical damage coverage, "comprehensive coverage." Section 62.03[1] discusses the origin of comprehensive coverage, which is an all-risks coverage designed to cover damage to or loss of the insured motor vehicle from any cause except those falling within collision coverage. Section 62.03[2] sets forth several classic forms of insuring agreements for true comprehensive coverage. Section 62.03[3] discusses "other than collision" coverage, which is what many insurers, including those using the ISO's personal auto policy form, prefer to call coverage for losses not covered by collision coverage. Discussed in this section is whether "other than collision" coverage is comprehensive coverage or named-perils coverage. Although there is at least one appellate decision that indicates "other than collision" is not an all-risks coverage, this decision is at odds with the history and language of "other than collision" coverage. Section 62.03[4] details the perils traditionally enumerated under comprehensive coverage. Section 62.03[5] provides a comparison of collision and comprehensive coverage, which are designed to be mutually exclusive.
The third type of physical damage coverage-named-perils coverage-is the subject of Section 62.04. Like comprehensive coverage, named-perils coverage is designed to cover certain risks not falling within collision coverage. It is less expensive and therefore not as encompassing as comprehensive coverage. As its name suggests, it covers losses caused only by named or enumerated perils. Section 62.04[1] discusses the origin of named-perils coverage. Section 62.04[2] compares comprehensive coverage and named-perils coverage: the former is an all-risks, or open-perils, coverage, while the latter is restricted to the named-perils. The perils traditionally enumerated under named perils coverage are set forth and discussed in 62.04[3]. They are similar but not identical to many of the perils that traditionally are listed in policies as falling within comprehensive coverage.
Section 62.05 discusses the concept of direct and accidental loss. Section 62.05[1] discusses the history of the phrase "direct and accidental loss." Section 62.05[2] treats the meaning of "direct loss," which is interpreted by courts to require a causal link, usually expressed as the proximate or efficient cause. The meaning of "accidental loss" is the subject of section 62.05[3]. An "accidental loss" is any loss that is not intentionally caused by the insured seeking coverage: it includes losses caused by forces of nature, losses caused negligently by the insured, and losses caused intentionally by someone other than the insured.
Section 62.06 is directed at the vehicles typically covered by physical damage coverage. Section 62.06[1] deals with the three most commonly covered vehicles: vehicles designated on the declarations page, vehicles that temporarily substitute for the designated vehicles, and newly acquired vehicles, which come in two types: replacement vehicles and additional vehicles. A replacement vehicle replaces a designated vehicle; an additional vehicle is one that is added to the vehicles designated. Section 62.06[2] concerns another category of vehicles that are often covered by physical damage coverage: rental vehicles and borrowed vehicles. In several states, coverage for rental vehicles is mandatory.
The exclusions and limitations traditionally applicable to physical damage coverage are set forth and discussed in Section 62.07. Section 62.07[1] discusses nine such exclusions. Section 62.07[2] examines two limitations: territorial restrictions and time limitations. Most policies are applicable to the United States, its territories and Canada, but some insurers expand the coverage territory for a variety of reasons. Nearly all policies restrict the coverages provided, including physical damage coverage, to accident and losses that occur within a designated policy period, which is set forth on the declarations page.
Issues revolving around the insurer's payment obligation are addressed in Section 62.08. The insurer's payment obligation, as detailed in Section 62.08[1], varies depending upon whether there is a total or partial loss. Section 62.08[1][b] addresses issues related to total losses. In general, the insurer's obligation when there is a total loss is to pay the actual cash value of the vehicle. As explained in Section 62.08[1][b][i], the actual cash value is generally interpreted to mean the market value, which can be determined in variety of different ways. Typically, the insurer consults industry publications or databases of comparable vehicles in the geographic area. This topic is addressed in Section 62.08[1][b][ii]. Insurers are also, as noted in Section 62.08[1][b][iii], are allowed by contract to account for depreciation when determining the actual cash value. Often, a vehicle is declared a constructive total loss: Section 62.08[1][b][iv] explains that this occurs when the cost of repair exceeds a certain percentage of the vehicle's actual cash value. State statutes and regulations may establish a percentage at which the vehicle must be declared a constructive total loss. Section 62.08[1][b][v] addresses certain policies that require the insurer to pay more than the vehicle's actual cash value. These include replacement policies, which obligate the insurer to pay for the replacement value of the vehicle, and total loss or GAP policies, which obligate the insurer to pay more than the actual cash value of a vehicle if there is an outstanding loan in an amount greater than the vehicle's value. Stated-value policies, which require the insurer to pay a pre-determined amount in the case of a total loss, are the subject of Section 62.08[1][b][vi]. These policies are often used when the insured vehicle has unique characteristics, such as an antique or classic vehicle. When an insurer pays a total loss, policies often require the insurer to pay for incidental expenses. Section 62.08[1][b][vii] deals with this topic. Section 62.08[1][b][viii] addresses salvage. When a vehicle is a total loss, the wreckage, known as salvage, has a value. The insurer usually retains the right to the salvage, but, in some circumstances, such as when the insured keeps the wreckage, the insurer deducts the amount of the salvage from its payment.
Partial losses are the subject of Section 62.08[1][c]. The insurer is typically required to pay the amount necessary to repair or replace with property of like kind and quality. This obligation is explained by Section 62.08[1][c][i]: it is generally considered to require the insurer to place the insured in possession of a vehicle that is the same or nearly the same as the insured vehicle in its pre-loss condition. By contract, an insurer often reserves the right to deduct from its payment the amount of any betterment, which occurs when a vehicle's value is enhanced beyond its pre-loss value by the repair or replacement. Section 62.08[1][c][ii] treats this topic. Section 62.08[1][c][iii] is concerned with diminished value claims, which are claims by insureds that a repaired vehicle has lost some of its value because of improper repairs, improper claims adjustment, or simply because of a perceived stigma attached to vehicles that have been involved in a loss and then repaired. States divide on whether the insurer must pay for diminished value claims, particularly those involving inherent diminished value. The majority rule is that policies that obligate the insurer to repair or replace with property of like kind and quality do not obligate the insurer to pay for inherent diminished value. Additionally, many policies now contain exclusions for diminished value claims. The use of designated repair facilities by insurers is addressed in Section 62.08[1][c][iv]. State statutes or regulations may restrict the use of such repair facilities.
Section 62.08 also addresses three other topics dealing with the insurer's payment obligation. Section 62.08[2] concerns the insured's deductible, which is a form of self-insurance. The insurer's payment obligation attaches above the amount of the deductible. Some statutes regulate the amount of the deductible. It is common for an insured to be given the choice of several deductibles. A higher deductible will reduce the premium. The same or different deductibles can apply to collision, comprehensive, and named-perils coverages. Policies usually list the deductible for each coverage on the declarations page. Many insuring agreements refer to the insurer's obligation to pay for the loss minus the applicable deductible, although some other policies have separate provisions that address the insurer's right to apply the deductible to a loss. Other insurance clauses are the subject of Section 62.08[3]. In concurrent coverage situations, they are designed to preclude the insured from recovery more than once for a loss. Additionally, they attempt to coordinate the allocation method among the insurers concurrently on the risk. There are three general types of other insurance clauses: pro-rata, excess, and escape. Pro-rata and excess clauses are quite common in physical damage coverage. The various rules for interpreting "other insurance" clauses are set forth and explained. Loss payee provisions are explained in Section 62.08[4]. There two general types. A simple loss payee clause makes the loss payee (i.e., the lienholder or secured party) an appointee to receive monies when the insured vehicle is damaged or destroyed. A standard loss payee clause makes the loss payee an appointee and provides certain protection against misconduct by the insured. Standard loss payee clauses are more common than simple loss payee clauses. The language varies considerably from insurer to insurer.
Many policies contain appraisal provisions. These are the subject of Section 62.09. An appraisal provision is not an arbitration provision, though they are often treated as such by courts. In the common appraisal provision, either the insured or the insurer can demand appraisal. The decision by the appraisers as to the amount of the loss is then binding under the typical policy provision.
If an insurer makes a payment under physical damage coverage, it becomes subrogated to the insured's rights against third-parties that caused the damage. This subrogation right is addressed in Section 62.10. Section 62.11 discusses "No Benefit to Bailee" provisions, which are found in many policies. These provisions are designed to preclude the application of physical damage coverage to bailees who have custody of the insured vehicle. Such provisions vary from insurer to insurer. Many apply only to bailees for hire.
The final section, Section 62.12, touches upon the application of bad faith liability to physical damage claims. In general, because physical damage coverage is a first-party coverage, the rules and principles applicable to bad faith liability in first-party claims are applicable to physical damage claims.
Andrew Janquitto is a partner in the Towson, Maryland, firm of Mudd, Harrison & Burch, L.L.P. He has a litigation and appellate practice with an emphasis on insurance coverage. He is the author of Maryland Motor Vehicle Insurance and several law review articles on insurance issues.
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Thanks for providing this information. It is good to know such things for future prospect as well. We must keep ourselves updated for everything.


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Just hoping to find some family members with similar interests and perhaps some insight as to what I should do! I am in college right now at Appalachian State University and I am majoring in Women's Studies. I would appreciate anyone emailing me, subject line "Figart" and I will tell you more. I am also on aol under Syd0224 if you'd like to reach me that way! Thanks! joanna
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Man on cell: I'll be in Fort Lauderdale in 2 hours, wait for me. –34th & 8th
Archive for the 'Men' Category
It's All Greek to Me
Businessguy: It's a small world.
Businesschick: Especially in Astoria!
Businessguy: Ha, ha, ha!
Businesschick: Hee, hee.
–Midtown office
"Shove it!"
Man: I can't eat ketchup. It makes my scalp sweat. –West Village
Sausage Fest Y2K4
Man #1: I am getting ready to throw my annual party soon.
Man #2: Dude, just remember to invite women this year.
–Central Park
Straightlines without Punchlines
Man (to hipstress): You should get a tattoo of Ben Franklin. –22nd & Park Ave South Overheard by: Matt Law
Straightlines without Punchlines
Man: This guy who works at the library is thinking of spending $1600 and getting the Star Trek emblem tattooed on his chest. –Library Bar
That's What We're All Talking About
Middle-aged man: So they say to me, 'Ken, just because you have that gun on us doesn't make you any better than us'.
Friend: Um, yeah.
Middle-aged man: And I said to them, 'That's what I'm talking about, man, that's what I'm talking about!'
–Delancey St.
Overheard by: cityrag.com
Maybe you're over-reacting
Passport agent in airport to everyone waiting to go into customs: Everyone with a US passport, up against that wall!
Man in line: Have things changed that much?
– JFK Airport
That's an Order
20-something woman: You're going to worship my mother when you meet her.
Man: I will?
Woman: Yes. Because I do.
– Pizzeria, Boerum Hill
Bird's Eye for the Straight Guy
Man digging through trash can: Hey, this shirt isn't bad. I could use it for my bird. –Spring St. Overheard by: Megan Buckley


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The Top 30 Smokin' Guns Of AFL
If you ever needed a reason to watch footy, this is it.
If you ever needed a reason to watch footy, this is it.
To be updated accordingly.
Up, up, and away!
It might have nothing to do with being student body president, but it's f*@king awesome.
Ladies & gentleman, ARTPOP.
Celebrity (noun): A regular person with lots of money and lots of attention.
They're the siblings you were meant to have.
Because who could choose just one song?
If you're thinking of commemorating St. Patrick's Day by wearing green but still want to retain your Gothic style, it's TOTALLY doable.
Warning: HUGE SPOILERS AHEAD! Shonda Rhimes is now a murderer like all of her characters. Because that episode just killed us all.
Love is a battlefield.
Three years after the start of the conflict in Syria, it has become the world's leading country of forced displacement, with more than nine million of its people uprooted from their homes.
You got this!
Hey, Human, it's been nice, and you're great, but…
Mind blownnnn!!!!
Because life is more fun when there's cheat codes.
"What you think is true of the country in which you have arrived is often true only of where in it you are."
…and what they actually mean.
Los Angeles police said a 20-year-old accused of tweeting photos of a firearm pointed at streets has been arrested.
Do you like 'Huey Lewis and The News?' God I hate Paul Allen.
Cheryl Cole is a RBD (really big deal) in the UK and you're really missing out if you haven't heard of her. *Steps off soap box*
It's finally here. Mmhmm.
It's not easy being grotesque.
You can never have enough coffee.
Based on sample questions from California's driving test.
But really, how are we expected to even balance on just two sticks made of bones our whole lives anyway?
Your life is like The Notebook, if The Notebook were a movie about two people who can never decide on what to have for dinner.
And now you know.
Honestly, who really needs girls?
What's black and white and super hot all over? From tomboy essentials to glittery red carpet looks, Ciara is reinventing maternity.


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Dear Readers,
You are awesome in Afsar Bitiya Kinshuk you rock as Pinto and I hope there is a Bidaai 2 with you and the rest of the foursome : )
I miss CCBM I love Nivren.
Miss you so much can't wait to see you on Afsar Bitiya Kinshuk.
i missing ccbm so much.Just hope to see the actors back soon on tv.
Lovable and loving,
Fabulous and fine,
Outstanding and original -
Thats Kinshuk!
Love you Kinshuk!!! Please come back soon!!
Edited on:29 June 2011 at 6:08am
bye neha bye kinshuk bye all cCBM actor...i will miss u all...be rocking alway...
We will miss ccbm to the core!!!! We love neha nd kinshuk!!!
neha singing for payalji...love her voice and singing...im so happy...u such will a great singer ...hope u try the best for u future...
Somehow wish ccbm would not end. will really miss Nivren and Kinha. Brilliant actors both and what an awesome jodi!
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