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Accord Radio
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Here are some more information for Accord Radio:
Anyone that has worked as a subcontractor has been required at some point in time to provide "proof of insurance" or a "certificate of insurance." A certificate is nothing more than a snap shot of your current insurance coverage at the point in time it is issued. It should show your current limits of liability, the insurance company providing coverage and the period for which coverage exists. In addition to the request of a certificate many contracts require that your client be added as an additional insured. This would allow your coverage to protect you and your client in the event of a claim. Additional insured status may also limit potential subrogation against your client by your insurance company. It would be unusual to subrogate against a party to the contract. Additional insured status is nothing more than a transfer of risk to another party. Problems arise when you have signed a contract that requires certificates to be modified or additional endorsements to be added to your coverage, especially when you make these requests after the work has been completed. It is imperative that you read any contract before you sign it and confirm with your insurance provider that you either currently meet the insurance requirements set forth in the contract or can meet them before work starts.
Contracts usually require that you meet one or more of the following requests; delete wording on the certificate, add specific forms, add general contractor and/or owner as an additional insured, and/or add wording to the certificate. Your client is trying to limit their liability. Providing the general contractor/building owner a certificate of insurance does not modify the insurance contract and as such the Accord 25 01-08 certificate contains several statements that attempt to make very clear what a certificate does.
"This certificate is issued as a matter of information only and confers no rights upon the certificate holder. This certificate does not amend, extend or alter the coverage afforded by the policies below."
"The policies of insurance listed below have been issued to the insured named above for the policy period indicated. Notwithstanding any requirement, term or condition of any contract or other document with respect to which this certificate may be issued or may pertain, the insurance afforded by the policies described herein is subject to all the terms, exclusions and conditions of such policies. Aggregate limits shown may have been reduced by paid claims."
"The Certificate of Insurance on the reverse side of this form does not constitute a contract between the issuing insurer(s), authorized representative or producer, and the certificate holder, nor does it affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon."
An insurance policy is a contract between the insurance company and you, and unless the policy has been endorsed by the company, any additional or deleted wording on a certificate has no bearing on a potential claim. Some contracts require that the wording "this insurance is primary and non contributory" be added. If your client has been added as an additional insured, a current CGL policy with the correct endorsements added would provide primary coverage without the wording. Some request that the words "endeavor to mail" be deleted; most companies will mail notice only to those added as an additional insured. Some states have made it illegal to modify a certificate. It should also be noted that most case law supports the notion that a certificate is provided for information only and is not part of an insurance contract.
You may get requests to add a specific form to your policy. In an attempt to limit liability, insurance companies have intentionally limited coverage provided to additional insureds. In either an attempt to get this coverage back or out of ignorance, your clients ask that old and outdated forms be added to your coverage. Usually they ask to be added as an additional insured using form CG 2010 11-85, this form provides "completed operations" coverage. Old forms can conflict with current liability polices and in some cases companies may not be permitted to use these forms by law. What one form used to do now takes two, CG 2010 10-01 and CG 2037 10-01.
A simple understanding of what a certificate does will go a long way toward helping you meet your contractual obligations. A certificate of insurance does not modify your policy. Unless your policy has been endorsed (changed) by the insurance company your needs have not been met. In some states it is a violation of the law to modify or amend a certificate of insurance. It is imperative that correct and current forms be used, in most cases your agent can explain to your client why one form must be used as opposed to one that may have been requested. Read your contract; even though you may have provided an acceptable certificate and added your client as additional insured you could still be binding yourself to something that is not provided by your general liability policy.
Michael J. McCartin is the President of J.W. McCartin Insurance, a Maryland Car, Homeowners, Business and Life insurance company. Mike is very active in insurance industry trade associations, serving as a past president and board member of the Independent Insurance Agents of Maryland. He has also served on the Agent Advisory Council for Erie Insurance Group. As a result of his diverse industry expertise, he is often sought out as a spokesperson for radio, television, and news stories regarding matters of insurance. Visit J.W. McCartin Insurance Website.
Satellite Radio, the New Frontier in Broadcasting
One of the mediums of mass communication, radio, is a gadget, which is the wireless transmission of signals, modulated of electromagnetic waves, which has less frequency than that of light. In today's world this radio has evolved into satellite radio (mainly an item of entertainment). Satellite Radio, which is also known as Pay Radio, Subscription radio, is a sort of digital radio, which is designed to receive signals, broadcasted by communication satellites. It has coverage of much wider geographical range, wider than other radio signals.
This type of radio is said to be using a band ranging from 1.4GHz to 2.3GHz in different places. It is said to transmit program-associated data abbreviated as PAD just like other radio services. Satellite Radio services is mostly commercial business body. They do not belong to private parties. SR services generally offer package of different channels, which requires subscription from the final users in order to get access to the channels. A monthly fee is charged for this subscription, which can be (according to American currency) in the area of $10. There are many providers of satellite radios in the world- SIRIUS, DELPHI, AUDIOVOX KENWOOD, PIONEER, etc. Among these the most noted and main Satellite Radio providers are WorldSpace in Europe, Asia, and Africa; XM Radio and Sirius in America. But XM Satellite Radio and Sirius Satellite Radio are considered the giants in the market. Apart from music channels they also have news, weather and sports channel also.
In this respect one should also know that satellite radios are different from AM (radio using Amplitude Modulation for its broadcasting) and FM (a broadcasting technology in which a radio uses frequency modulation mainly for broadcasting hi-fi sound on radio). The main difference is that satellite radios have highest varieties of programming than AM or FM radios.
For satellite radios one will find several kinds of receivers and the total cost for the radio depends upon that. The different types of receivers available are- home, car, portable, and computer. But it is suggested that if one wants minimum expense with maximum utilization it is best to go for home as long as you do not buy a car.
Almost all the producers and Satellite Radio service providers have options for cars, boats, RVs and home. Many are also offering walkman type Satellite Radios.
If you are a road warrior a satellite radio is the best way to assure access to your favorite genre no matter where you travel.
About the Author
Jerry Cahill is a webmaster and publisher with several years experience. For more information see this site -
Satellite Radio
Someone Please Give Me 2000 Honda Accord Radio Unlock Code?
Read online, I think I have to wait till the dealership opens on Monday. I picked up my car after getting it fixed and the radio had "code" on the front. I've googled it, but can't find the unlock code.
Model Number # 39100-S84-A210
Reference Number # CQ-JH1810A
Serial # 98D8836
i looked everywhere for the 5 digit number and i couldnt find it...
You can also go to https://radio-navicode.honda.com . Just provide the information it asks you for and you will have your radio code in no time. And the best thing is that you don't have to wait for the dealer to open, you can do this from your home or office.
TALKING CARS: Let it warm before driving
QUESTION: I own a 2002 Chevrolet Impala. The check-engine light comes on when it’s cold.
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