Impressions Liberty

Insurance: Collision, or Other Than Collision (OTC)?

Recently my son’s car was damaged while parked. The insurance company (Liberty Mutual) sent a representative to evaluate the damage and referred him to a particular body shop. Today we received a check, minus the $500 deductible for collision. My husband and I were under the impression that damage sustained to a parked car was considered OTC. It is, after all, not the owner’s or driver’s fault. Can anyone answer this? Thanks you.

They are absolutely correct.

Whenever your car is hit by another car, regardless of whether its parked, whos at fault, or if anyone is in it- its a collision claim. Afterall, a car collided with it.

OTC claims would be if someone hit your car with a baseball bat while it was parked.. or vandalized it.. basically anything other then a car hitting it.

They arent trying to fool you- this is definately a collision claim. Collision claims have nothing to do with you being at fault… they can be at fault or not at fault… its simply whenever your car is hit by another car (or hits another car)

1997 American Eagle “Impressions of Liberty” Proofs COA $4,100.00

The Statue of Liberty or Lady Liberty is a world famous icon of liberty and freedom. The 111 foot statue towers over Liberty Island and was the first sight bestowed upon travelers to the United States before the invention of the airplane.

Today the statue still stands for the same principles as it did when the French originally gifted it to the United States. The statue features a robed woman holding a lit torch and whilet the statue’s height is 111 feet, the entire structure from the base stands at an impressive 151 feet above the ground

Visitors to Liberty Island can take part in a ranger guided tour of the Island and listen to audio tours which are on offer from the island’s food and gift concessionaire. In order to visit the Lobby, Promenade, Museum and Pedestal Observation deck visitors must obtain a time pass. A limited number of passes are available from the ferry ticket offices on a first come first served basis, but it is advisable to book these passes in advance.

With a pass guests can stroll in to lobby and experience the Statue of Liberty Exhibit. From there visitors can move on to the promenade for an up close view of the statue and a magnificent view of New York Harbor. Guests can also visit the 11 point star shaped Fort Wood and take an elevator up to the ten story pedestal observatory. From here a circle view of the habour as well as an up close glimpse of Lady Liberty are on offer.

Also included as a part of the attraction is the nearby Ellis Island, which is home to the Ellis Island Immigration Museum. The building that houses the museum was originally the nation’s premier federal immigration station and processed over 12 million immigrant passengers during its time of operation. The museum houses three floors of self guided exhibits that visitors can follow at their own pace. In addition the museum features a movie and ranger guided tour revealing the history of America’s immigration past.

Visitors should be aware that strict security measures are enforced at both Liberty and Ellis Island. This process is similar to airport screening and can take up to a few hours during peak seasons. It is advisable to book passes in advance as well as leaving early from your New York City hotel to allow time for the screening process. A conveniently located hotel to visit Lady Liberty and other attractions in the city is the Millennium UN Plaza Hotel New York.

About the Author:

Naveen Marasinghe is an Online Marketing Executive at eMarketingEye which is a search engine marketing company that offers integrated Internet marketing services and specializes in serving the online travel and hospitality industry.

Article Source: ArticlesBase.com – A Lady of Liberty and Freedom