Is Auto Insurance necessary?

Auto insurance is also called as vehicle insurance. It is insurance for cars, trucks, and other vehicles. It is primary use is to provide protection against losses incurred due to theft or fire damage or accident damage.

Auto insurance can cover some or all of the following items:

• The insured party
• The insured vehicle
• Third parties (car and people)
• Fire, theft, and damaged due to natural calamities.

Most of the people think why we need to pay insurance unnecessarily as we are appointing specialist driver. But we don't know what happens when. Lets say the accident happened to a vehicle which is not insured. The vehicle owner may not be able to afford to cover the damage of the car and he/she might be injured. This is a really difficult situation to be in.

Similarly, lets suppose the accident occurred to the vehicle which is insured, he can get Property coverage for damage to or theft of his car, Liability coverage pays for your legal responsibility to others for bodily injury or property damage and Medical coverage pays for the cost of treating injuries, rehabilitation.

Most of people will not insure because they think they are wasting money by paying premiums. But really when we think about premium cost, we will pay very small amount of premium and get huge benefit in the way of getting finance support in case of contingent loss. The key difference between this cover and uncovered insurance for vehicle is you can protect against damage to your own vehicle, even if the incident is happen by your fault.

U.S. Troops Admit Abusing Prescription drugs

According to the news on 17th December 2009, in USA Today, it revealed that about one in four soldiers agree abusing prescription drugs, mainly pain relievers, during one-year period, according to a Pentagon health survey. The survey conducted on more than 28,500 U.S. troops in previous year, showed that about 20% of Marines officials had abused prescription drugs, which are mainly painkillers.

The survey revealed that pain killers were the most widely abused drug in the military, which was used illicitly (illegally) at a rate triple times of marijuana or amphetamines.

USA TODAY reported in the previous year that prescriptions for narcotic pain-relief for injured or wounded U.S. troops raised from 30,000 a month to 50,000 after Iraq war started.

The percentage of troops exhibiting signs of Post-Traumatic Stress Disorder (PTSD) increased during the war years. In a 2005 survey, 7% of the service members suffered with symptoms suggesting PTSD which was increased to 11% in the 2008 study.

The survey results showed that the rate of soldiers who suffered with problems of PTSD raised from 9% in 2005 to 13% in 2008, and from 8% to 15% among Marine officials.

These survey results show that drug addiction had become a major problem not only at schools, colleges and workplace but also in Army. So, drug testing policies and drug abuse prevention measures should be employed in army to treat and educate soldiers about drug abuse. They should employ counselors who help in changing behavior towards drug addiction.