#General Accident Insurance

[lucasjack11]

Explore the 10 best insurance plans in Dubai adapted to your needs. From 3-month insurance plans to specialty coverage like marine mechanic and oil & gas contractor insurance, NGI provides it. With choices for home insurance for landlords, small group health insurance, and travel insurance in Abu Dhabi, our specialist insurance brokers in Dubai guarantee you the best family and company coverage.

[seemabhatnagar]

"Orissa High Court Directs Immediate Compensation for Gas Explosion Victim, Highlights Consumer Safety and Accountability"

Considering the physical, emotional, and financial toll on the petitioner, the court directed the insurance company, ICICI Lombard, to pay the petitioner Ex-Gratia Compensation of Rs. 2,00,000/- to the petitioner for the injuries sustained by him due tothe gas accident.

The court also stressed the importance of consumer safety awareness and ordered the gas agency to take proactive steps in educating consumers about LPG cylinder expiration and safety precautions.

Background

The petitioner, Sushant Behera, a daily laborer, filed a writ petition seeking ex-gratia compensation for severe injuries sustained during a gas accident caused by a leaking LPG cylinder.

The accident occurred on September 27, 2021, when the petitioner Sushant Behera was working at the residence of late Santosh Kumar Sahoo.

Both Sahoo and Behera attempted to extinguish the fire, but Sahoo later succumbed to his injuries, while the petitioner survived after significant medical treatment.

The claim for ex-gratia compensation is under the LPG insurance policy, issued by ICICI Lombard Insurance (Opposite Party No. 1), and it has been pending despite multiple applications and reminders.

Sushant Behera v. The General Manager ICICI Lombard General Insurance Co. Ltd. & others

W P 39989/2023

Before the High Court of Orissa at Cuttack

Heard by Hon'ble Mr. Justice S K Panigrahi J

Legal Issue

Whether the petitioner-Sushant Behera is entitled to receive ex-gratia compensation under the LPG insurance policy.

Argument of the parties

Petitioner's Argument

The accident occurred due to a gas leak from a cylinder provided by the gas agency.

The claim falls within the coverage period of the insurance policy. Despite forwarding the application to the insurer in a timely manner, there has been no response or compensation towards Claim Settlement.

Respondent’s Argument (Opposite Party No. 3):

The gas agency states they followed proper safety procedures and forwarded the claim to ICICI Lombard.

Additionally, they emphasize the importance of safety awareness among consumers and highlight the industry's practices regarding cylinder safety.

Court's Observation

The court found that the petitioner fulfilled all necessary requirements under the insurance policy.

The accident clearly fell within the insurance coverage period, and the petitioner's application had been appropriately forwarded by the gas agency.

The unjustified delay in settling the claim was viewed as a failure on the insurer's part (ICICI Lombard)to honor its obligations.

Additionally, the court underscored the role of safety measures to avoid such accidents in the future.

The Ministry of Petroleum and Natural Gas should provide detailed advisories to public sector oil companies. These advisories should focus on raising public awareness about insurance provisions for victims of LPG cylinder blasts and emphasize the importance of safety training for both LPG handling personnel and customers.

The training should essentially incorporate the understanding of the contain the inherent dangers of compressed gas cylinders at the end of the LPG handling staff and customers, knowledge of how to properly move, handle and store cylinders, troubleshooting and emergency procedure in case of leak and emergency response in case of blasts.

[pingtreesystemssoftware]

Achieving Solar Industry Success: Mastering a High-Converting Leads System

The solar industry is experiencing rapid growth as more individuals and businesses seek sustainable energy solutions. In this competitive market, having a robust leads system is crucial for success. This blog will explore how to build a high-converting solar industry leads system that can propel your business to new heights.

Understanding the Importance of a Solar Industry Leads System

A well-designed Solar Industry Leads System is the backbone of any solar business. It not only helps in attracting potential customers but also ensures that these leads are nurtured and converted into loyal clients. By investing in a high-converting leads system, you can significantly increase your chances of success in the solar market.

Key Components of a High-Converting Leads System

1. Lead Generation Strategies

A. Content Marketing

Content marketing is a powerful tool for generating leads in the solar industry. By creating valuable and informative content, you can attract potential customers who are interested in solar energy solutions. Blog posts, whitepapers, and case studies can position your business as an authority in the field.

B. SEO and Keyword Optimization

Search Engine Optimization (SEO) is essential for improving your website's visibility on search engines. By optimizing your website with relevant keywords such as "Solar Industry Leads System" you can attract more organic traffic. Ensure that your content is not only keyword-rich but also provides real value to your audience.

C. Social Media Marketing

Social media platforms offer an excellent opportunity to connect with potential customers. By sharing engaging content and interacting with your audience, you can build a strong online presence. Utilize platforms like Facebook, LinkedIn, and Instagram to promote your solar solutions and generate leads.

2. Lead Nurturing Techniques

A. Email Marketing Campaigns

Email marketing is an effective way to nurture leads and keep them engaged with your business. By sending personalized and informative emails, you can build trust and guide potential customers through the buying journey. Use segmentation to tailor your messages to different audience groups.

B. Webinars and Online Workshops

Hosting webinars and online workshops is a great way to educate your audience about the benefits of solar energy. These events can help you establish your expertise and build relationships with potential customers. Make sure to follow up with attendees to keep the conversation going.

C. CRM Systems

Customer Relationship Management (CRM) systems are essential for managing your leads effectively. A good CRM system allows you to track interactions, segment your leads, and automate follow-up processes. This ensures that no lead falls through the cracks and that you can provide timely and relevant information.

3. Conversion Optimization

A. Landing Pages

Landing pages are critical for converting visitors into leads. Ensure that your landing pages are well-designed, with clear calls-to-action (CTAs) and relevant information. A/B testing different elements of your landing pages can help you determine what works best for your audience.

B. Testimonials and Case Studies

Including testimonials and case studies on your website can build trust and credibility. Potential customers are more likely to convert if they see that others have had positive experiences with your solar solutions. Highlight real-life success stories to demonstrate the value of your offerings.

C. Follow-Up Strategies

Timely and personalized follow-up is key to converting leads. Whether it's a phone call, email, or meeting, ensure that you address the specific needs and concerns of your leads. By providing tailored solutions, you can increase the likelihood of conversion.

FAQs

What is a Solar Industry Leads System?

A Solar Industry Leads System is a structured approach to generating, nurturing, and converting leads specifically for the solar energy market. It involves various strategies and tools to attract potential customers and guide them through the sales funnel.

How can content marketing help in generating solar industry leads?

Content marketing helps by providing valuable information that attracts potential customers. By establishing your business as an authority in the solar industry, you can build trust and generate more leads.

Why is SEO important for a Solar Industry Leads System?

SEO improves your website's visibility on search engines, making it easier for potential customers to find you. By optimizing your content with relevant keywords such as "Solar Industry Leads System" you can attract more organic traffic and generate more leads.

How do CRM systems contribute to lead management?

CRM systems help manage leads by tracking interactions, segmenting audiences, and automating follow-up processes. This ensures that leads are nurtured effectively and increases the chances of conversion.

What role do testimonials and case studies play in conversion?

Testimonials and case studies build trust and credibility. They provide real-life examples of how your solar solutions have helped others, making potential customers more likely to convert.

Building a high-converting Solar Industry Leads System requires a combination of effective lead generation, nurturing techniques, and conversion optimization. By implementing the strategies discussed in this blog, you can enhance your lead system and achieve greater success in the solar market. Remember, the key to success lies in providing value to your potential customers and guiding them through their buying journey with personalized and timely interactions.

[ceciliathecabinwitch]

I had a long rambling post planned but basically

Reminder not to drive when you’re tired bc I just had to file my first ever insurance claim

[nkonson]

What are the pros and cons of being a lawyer? - Attorney

Pros and cons of being a lawyer - A career in law has long been revered for its prestige, intellectual challenges, and potential for significant financial.......

[moonstruckme]

Hi Mae! I was in a car accident yesterday (car took most of the damage, I’m ok other than bruises and sore muscles) and the whole thing has been a whirlwind of insurance and hospital and half asleep crying. I was wondering if I could request James potter x reader for comfort in a situation like that? I’m going through it rn lol hope you’re having a good day :)

Oh I'm sorry lovely! I had a very similar thing happen a little over a year ago, it's sooooo exhausting even when luckily no one is seriously hurt. Thanks for requesting, hope you're having a good/better day too <33

cw: past car accident, no details but talk of general aftermath of police questioning, insurance, etc.

James Potter x fem!reader ♡ 799 words

The way James half-jogs up to the automatic doors of the hospital, seeming caught between walking and running, feels like someone is pressing down on the bruise of your chest. You wish you’d called him sooner. 

“James,” you call as he comes in, hating how your voice cuts through the taut quiet of the waiting area. It’s worth it for how his whole self softens when his eyes find you. 

He slows to a fast walk the rest of the way to you, the urgency slowly leaving him—which is appropriate, there is no urgency, everything has happened already—like an engine running out of gas. You stand as he nears, and both of you reach for each other before James hesitates. His hands stop midair, his brow tightening for a moment, before they come tentatively to your elbows.

“Hi,” he says, squeezing. “How bad is it?” 

“For me or the car?” you joke. 

“You.” James is feeling too earnest for joking, it seems. “Well, both of you. But you first.” 

You really thought you’d cry when you saw him. Worried you’d make a whole scene, blubbering and inconsolable, but you don’t seem to have any tears left. It makes sense, you suppose; you’ve cried a lot in the past few hours. First the slow, shaky kind right after getting out of your car, and then a real cry when a police officer had pulled you aside to get your version of events. (It had been embarrassing. She’d been nice about it, though.) Now, you wait for the tears to come, but for all your relief at seeing your boyfriend you feel rather dried up. 

It makes you wish, once again, that you’d called James sooner. You’d wanted to, of course, but you’d been nearly certain you’d be even less capable of holding yourself together if he were there, and there wasn’t much reason for him to be anyways. He was at work and you weren’t terribly hurt, so there was really nothing he could have done while you were talking to the police and the tow company and the paramedics and attempting not to drown in an overwhelm of insurance information. The only thing you really wanted him for was to hold your hand.

“I’m okay,” you say, the necessary preface. “A bit bruised up. My chest got the worst of it.” 

Unconsciously, your hand comes to your sternum as if to demonstrate, gravitating towards the center of the ache. James’ hand follows, seemingly just as thoughtless as it covers your own. He can’t see the bruise, but he makes a low, sad sound anyway. 

His care softens your voice. “They said my neck will probably hurt tomorrow, but it doesn’t yet.” 

“Oh, sweetheart.” James sounds really, truly heartbroken for you. “And the rest, it hurts a lot?” 

You shrug. What’s a lot? You know you could’ve had worse, much worse; still, you could do without that frightening soreness that comes with each breath. 

“It’s not too bad,” you say. “I could still hug.” 

It’s the question he’s been dying to ask, clearly. James’ arms are around you in a second, ardent but still gentle, palms pressing to the high and low points of your bag. It’s a good hug. You melt a little against him. 

James tucks his face into the side of your neck, like he’s trying to get as much contact with you as he can. “I wish you’d called me when it happened.” 

“You were at work.” 

“I’d have left work.” 

“There wasn’t anything you could do. I was fine, I just had to…” a little sigh escapes you, exhaustion creeping in now that he’s here “...talk to people. Insurance and all that.” 

James makes a soft, half-agreeing sound. His thumb strokes the base of your neck. “Still. I could have held your hand.” 

A new ache rises in the back of your throat, coming to join the rest. You wind your arms tighter around James. 

After a few, silent moments, he kisses your neck chastely and loosens his hold. “Ready to go home? Anything else you need?” 

You shake your head. “I’m signed out,” you say, so eager you feel like you could float out the doors. You hope you can entice James to lie in bed with you when you get home. You think you’ll sleep until tomorrow. “Let’s go, please.” 

“Alright, you don’t have to say please, sweetheart.” James curls an arm around your shoulders, pressing a smile into your cheek. “We can go. You need one of those wheelchairs for me to take you out to the car?” 

“Ha ha,” you say drily. “No.” 

“Just checking. Think maybe I ought to ask for one, just in case?”

“James. I will take your car home without you in it.” 

“Alright, lovie, I’m coming.”

[unadulteratedsoulsweets]

A DC X DP IDEA # 35

Who will he be tonight? that’s the question.

Imagine dis…

It's been a while since I last posted here and even though I am late on the trend the song would not leave my head ( due to my gremlin of siblings) and you are now here to suffer with me.

MWAHAHAHAHA

…

Bruce was stressed, not because of his nightly duties nor his exhausting job as the CEO of Wayne enterprise. He got his license to foster children by the skin of his teeth through legal channels, he was so close as to use his privileges as the richest man in Gotham to get his license also to be able to foster Richard “Dick” Grayson.

Apparently despite his playboy persona aka “Brucie Wayne” just entering its social debut almost made him almost impossible to foster Dick as the social worker that had been assigned to him is also one of the few social workers in Gotham that takes their job seriously.

Bruce knew that his budding playboy persona, the carefree “BRUCIE Wayne” should be buried, he could replace this mask of his with his philanthropist self but he couldn’t just immediately change it would and will raise whispers on why, but what could be the reason?

Just as he continued scheming a knock broke his train of thoughts and entered Danny Nightgale, the calm and efficient secretary who had worked before with Lucius Fox ever since he had been hired. Danny, from Bruce’s file on him, son of two leading ecto-biologists in the world, a quiet kid who grew up in a city from nowhere, had a bad accident that left him with a slow heartbeat, discovered that one of the last two purple back gorilla is female and thus avoiding total extinction. Doesn’t have much media presence due to their hometown being the home of the former ghost hero Phantom who had vanished the moment that the anti-ecto acts had been re-appealed…

…

Bruce approached Danny with a pitch and handed him a nicely drafted contract. The agreement was straightforward: pretend to be Bruce's adoring partner in public. It was the only way to change the public's opinion, to show the world a stable, dependable, responsible Bruce Wayne who was ready to be a foster and maybe a father.

…

As years went by this arrangement had been beneficial to both parties.

Danny now saves more money, and despite having one of the highest salaries being paid all went to his rent to the nicer parts of Gotham. It had so many insurances as well security measures to ensure the tenants are safe, but the downside having most of his paycheck going to the rent itself. Now he has a permanent house that is large and free food that is made by the greatest cook that ever existed.

Bruce is less embarrassed about putting on a show for the public, he seems to take on the air-head mask whenever his supposed “lover” is around and near him, turning him into a bumbling mess whenever the “love of his life” is around him. He also secretly took great pleasure whenever those annoying journalists asked nonsense questions which he answered in his most obnoxious voice spiel away how world peace is attainable if all just gave their own Danny’s.

…

Each generation of Batkids saw how Bruce had a crush on Danny yet kept fumbling himself and reminding himself that all of this was just part of the contract. Sure each kid knew of said contract that was made for Dick’s sake but said the reason for said contract wanted to rip that thing ages ago and into pieces the moment he wanted to call Danny Dad.

Though each child that resides in that manor noticed some inconsistency within Danny’s schedules, not only that they have just recently discovered that while Danny loves to chat there are still personal things that he hadn't delved into aside from the information that was already in his files. Of course, there is also his weird avoidance of the vigilante group of Gotham, especially Batman, despite being proven to the public both in and out of Gotham that Batman is trustworthy, Danny still held wariness to said vigilante.

You’d think that after years of exposure around the Wayne’s Danny would have already discovered the cave all on his own. But it seems that every time are inches away discovering their secret an emergency or urgent priority was flaring from the Wayne enterprise that only he was needed to solve the said problem.

After weeks of Tim’s continuous intake of a very worrying amount of pure caffeine, espresso shots, and 10 different brands of energy drinks they have finally connected the dots.

Danny is a secret FBI agent planted in Gotham to catch Batman and his group in the act of breaking the law and to disband the whole spiel about being a hero and vigilante. Sure the JL and the sudden rise of heroes and vigilantes that popped up around the world that are not government affiliated made those who sat at those red velvet chairs nervous as they don’t have any active say or word as to what crimes to focus on and so on. There are reasons why Amanda Waller is still in power and still allowed to roam free with funds after funds to continue her work despite being continuously caught by the JL.

Now it is up to them to change Danny’s mind and abandon his mission so that they can finally stop seeing Bruce act like that “Brucie” persona, that they thanked the gods had been immediately vetoed, towards Danny.

…

Alfred sits down in one of the manor’s libraries with a cup of tea in one hand a book in another with another small pile on the side with a teapot ready to refill himself another cup.

He sighs at the drama that seems to unfold to his eyes only.

Ever since Master Danny had been integrated into this household he had found more free time than he could ever imagine. The young man would always find ways to outpace Alfred when it comes to housework to the point it had become their little game to this day. As much as he supports his ward/son, Master Bruce needs to gather all emotional intelligence he has left and confess to Master Danny.

But that wasn’t the live soap opera that it seemed to unravel.

His grandkids are set and believe that Master Danny is a secret agent who is here due to a mission related to the vigilante group stationed in Gotham.

Alfred adores all of them, he did but sometimes he wonders if the title World’s Greatest Detective is to be added to his arsenal of titles.

Alfred knew that Master Danny wasn’t just an ordinary secretary but he was also the Ghost King of the Infinite Realms, how did he know of this?

He simply walked in on Danny changing from his human self to that otherworldly creature that looked too regal to be a normal being, and so clues that were the littlest of things that he had always chalked up to the angle of the light seemed to begin clicking in place.

Alfred was a bit miffed when he learned that Master Danny might have been cheating when it came to their little bouts of cleaning the manor but he now stayed quiet as Master Danny still didn’t know of the quote “furry brigade” unquote are the Wayne’s, and based on Master Danny’s past rants he will have his little laugh when the truth comes out, but until then he will drink his tea in peace as the drama in Wayne manor seems to unfold.

…

PS: If someone out there wants to continue or make a fic about this you are free to do so, don’t forget to tag me though.

[maxwellatoms]

And a good executive dysfunction to you!

My stomach hurts.

I don't want to draw right now, but I really do want to draw in general. Just not now. Maybe... now?

No. Not yet.

There's a wasp's nest on the catio. I should be looking up how to remove it, but instead I'm in here writing this nonsense. I should be drawing.

It still smells like burning metal in here, so I probably am better off with the wasps. Did I mention that my bathroom caught fire this morning? Like an actual fire fire. I may have buried the lede on that one. I used to think it was "buried the lead", as though you'd skipped the information you meant to lead with. Fun that it still works.

Fire dept. said that there was a timer on the wall switch in the bathroom where we're having work done from the flood that happened after my birthday. When the timer tripped, a heating mesh coiled up by the wall caught fire. Thankfully, my fiancee' smelled the burning metal and we caught it early.

It's hard to make cartoons when your house keeps attacking you. Also, when you're not employed making cartoons. I'm trying some indie stuff, but again... can I get a break here? Let's just tone down the apocalypse. I'd like to get some stuff done. And my insurance runs out in two weeks.

But HA! Fincee'! So I still get insurance. Happy accidents. Suck it, world-- Oh hang on. Contractor is here...

I'm back! Where was I?

My fuchsia is on the rebound, I think. Passed it on the way back in. I don't want to call it a comeback, but it's flowering. I think maybe the pot retains too much water. We'll see how it goes. Thankfully it doesn't need much compost because I blew through the whole pile yesterday refiling the garden beds. I did the beds Hügelkultur style, but I used cacti in one of them, so the soil drop was insane after the first year. Free garden tip for ya' there.

Where was I?

To be fair, there's a lot of residual adrenaline going on this morning too.

Work.

Right...

Gotta get these drawings done. I said I'd do it by tomorrow. I only said it to myself, but I should maybe listen. Can I be trusted?

Just draw, dude.

It smells like cheese and apocalypse in here. Nothing I can do about the fried metal, but the cheese is from the toaster oven. I should go clean that now. Hang on. I'll be back.

[jadeshifting]

★⋆. — HOGWARTS ELECTIVE CLASSES TO SCRIPT

˚　　　　✦　　　.　　. 　 ˚　.　　　　　 . ✦　　　 　˚　　　　 . ★⋆. ࿐࿔

𓆩♡𓆪 — ENCHANTED ARTIFACTS

ever wanted to know how cursed rings, bewitched mirrors, and sentient diaries work? this course teaches you how to identify, dismantle, and (if you’re brave) create magical relics—you never know when you’ll need an enchanted necklace or a vanishing cabinet, i suppose

𓆩♡𓆪 — WIZARDING FASHION HISTORY

from the enchanted silks of the 1500s to robes that literally spark joy (or flames) in the 1900s, this elective dives into the who, what, and why tho of wizarding couture. you’ll learn how clothing reflected magical politics (hello, anti-Muggle fabrics), the most popular clothing charms over the centuries, and why Merlin’s pointy hat was such a massive deal at the time

𓆩♡𓆪 — CURSE REVERSAL

sometimes, magic backfires—this class teaches you how to undo everything from jinxed cauldrons to full-on blood curses. it’s half science, half art, and fully life-saving

𓆩♡𓆪 — HEALING

for the bleeding hearts (and bloody injuries). this elective teaches advanced healing charms, restorative potions, and how to fix the most catastrophic accidents without having to Floo to St. Mungo’s. class is split 50/50 between the healers of the next generation, and mischief makers that are so unhinged they have to heal themselves. this class sees all the good, the bad and the ugly

𓆩♡𓆪 — DRAGON STUDIES

learn all about the physicality, variety, and history of these dynamically unique creatures, and perhaps learn how to not get torched while studying them along the way. the course includes field trips (waivers from home and insurance spells VERY much required)

𓆩♡𓆪 — CHARMED CULINARY ARTS

enchanted cooking utensils will be your best friend as you navigate this course, learning to do everything in the kitchen from baking bread that sings to brewing drinks that bubble with magic. (house elves are assistants in this class, and you can always convince them to slip you an extra treat or two)

𓆩♡𓆪 — ADVANCED DIVINATION

tea leaves and crystal balls don’t even begin to scratch the surface of everything divination has to offer—if you’re a believer, and grounded enough to put up with the kooky professor. this course dives into obscure methods of divining the future: dream walking, cloud reading, rune casting, and much more. perfect for the more spiritually inclined students (or those who just enjoy the professor’s cryptic drama)

𓆩♡𓆪 — MAGICAL FORESICS

got a Sherlock streak, or always wondered how the aurors do it? learn how to dissect magical crime scenes, trace hex signatures, and untangle the threads of a cursed crime

𓆩♡𓆪 — MINISTRY POLITICS & MAGICAL LAW

in this course that’s absolutely not for the academically faint, you’ll find yourself taking part in debates more than any other course. debate the ethics of using Veritaserum in court, or why house-elf labor laws are a mess. these students are likely future members of the Wizengamot

𓆩♡𓆪 — ENCHANTED HOMEKEEPING

from self-sweeping brooms to magical security systems, think Martha Stewart meets The Standard Book of Spells. this course covers everything you need to know about using magic to run the most efficient household ever (you get a headache when you think about how Muggles do all of this without magic)

𓆩♡𓆪 — ALCHEMY: THE ART OF TRANSFORMARION

arguably the ultimate nerdy class—i’ve yet to meet a single person who wanted to handle the theories and coursework of this class. learn the secrets of transmutation, potion refinement, and (the whole thing’s pretty mysterious) all about the quest for immortality

𓆩♡𓆪 — SPELL CREATION THEORY

an elective created as the direct remedy for students making overeager and academically misguided attempts to make their own spells (some spells don’t exist for a reason, Fred and George.) learn the theory of how to craft spells from scratch and fine-tune them to your exact needs—perfect for the creatively chaotic. though, of course, you don’t actually make spells in class (that’s a direct ticket to St. Mungo’s)

𓆩♡𓆪 — THEORY & ETHICS OF NECROMANCY

strictly theoretical, of course (for legal reasons), this class dives into the magical theory of spirits’ existence, resurrection spells, and the history of necromancy. it also manages to cram most of one of the longest-standing debates in magical history into a year-long course (we can raise the dead, but should we? HM, i wonder)

𓆩♡𓆪 — WANDLESS MAGIC

if you’re someone who thinks ‘why bother with a wand when you are the magic?’ this course is for you—it trains you in wandless spellcasting, so you can cast even when you’ve “misplaced” your primary weapon

𓆩♡𓆪 — WIZARDING FOLKLORE

from ghostly greenhouses to the allegedly haunted halls of Hogwarts, from ancient fairy tales to horror stories that keep even the bravest wizards awake at night, this course covers all of the folklore and tall tales from centuries of wizarding history and storytelling

𓆩♡𓆪 — ENCHANTED CARTOGRAPHY

i’m sure you already know that making an enchanted map is a skill that never goes out of style (cough, Marauder’s.) in this course, learn to create enchanted maps that move, update themselves, and accurately portray secret rooms and passageways (though they might not cover the more mischievous aspects in the course, i’m sure you can figure those out on your own time)

𓆩♡𓆪 — MAGICAL ETHICS & PHILOSOPHY

all the way from time turners and truth serums to love potions and dementors, this course holds a magnifying glass to all the moral dilemmas of using magic in gray areas—just because you can hex someone doesn’t mean you should, and if you need a love potion, maybe you should reexamine some things first

𓆩♡𓆪 — QUIDDITCH ANALYTICS

a course all about the stats, spells, and tactics behind the wizarding worlds’ favorite sport. think of it as sabermetrics, but with broomsticks. students are an even split of quidditch players, and those who love quidditch without wanting to zoom hundreds of feet above the ground (understandable)

𓆩♡𓆪 — WANDLORE & CRAFTING

take your first step towards becoming the next Ollivander by studying wand woods, cores, and how to match them with their perfect witch or wizard. careful, your own wand might be open to more scrutiny than you’re accustomed to. warning: NOT a class for people with butterfingers

𓆩♡𓆪 — MOVING PHOTOGRAPHY

learn how to properly snap a good photo and develop moving pictures, charm them with special effects, and create photo albums that are magically cohesive enough to tell their own stories. with moving photos holding entire memories, someone always needs a good magical photographer

𓆩♡𓆪 — GRIMOIRE WRITING & SPELL JOURNALING

every great wizard of the past and present had a grimoire to keep track of their endless magical escapades. learn how to create your own spellbooks, safely document your findings, and make them impossible for dark wizards (or just nosy siblings) to read

𓆩♡𓆪 — MAGICAL LINGUISTICS

communication is key, whether it’s haggling with goblins, charming house-elves, or negotiating with dragons. this course helps you break through the language barrier—literally—to the entire wizarding world and all its species

𓆩♡𓆪 — MAGICAL JOURNALISM

for aspiring Rita Skeeters (hopefully no one, let’s make it ethical), this course covers investigative reporting, spell-resistant quills, following the honor code of interviewing and writing, and even some tips on how to charm the Daily Prophet editors with your work and score a job in the journalism field. NO Quick-Quotes Quills allowed, ever !!

𓆩♡𓆪 — TIME MANIPULATION THEORY

absolutely no time-turners allowed, despite learning all about them. learn the ethical and practical implications of bending time, including nearly every historical horror story of witches and wizards who got a little spin-happy with the power. (does the course only exist as a big fat warning for the students who are granted use of a time turner? we’ll never know—but yes, probably)

𓆩♡𓆪 — MUSIC & ENCHANTED COMPOSITION

a course taken by many of the choir members, which allows you to delve deep into the magic behind musical spells, how to ethically enchant instruments for killer performances, and both writing and performing magical compositions. don’t mind the frogs in class, they’re brushing up on their technique, too

𓆩♡𓆪 — SPELL COMBAT TACTICS

this course covers a mix of strategic dueling with battlefield planning, as it covers pretty much every notable magical duel and battle in history. perfect for those angling to join the Aurors, or those who are just looking to win every wizarding duel

𓆩♡𓆪 — WIZARDING THEATER

this course involves combining drama with charms to bring stories literally to life on stage. props are enchanted and can interact with the actors, the weather matches each set, and actors might just float mid-scene. students can sharpen their acting and set enchantment skills to hopefully be on one of the great wizarding stages one day (or working behind the scenes of one)

𓆩♡𓆪 — MUGGLE STUDIES: ADVANCED INTEGRATION

forget the “what’s a toaster?” training-wheels shit—this course is about truly blending wizarding ingenuity with Muggle innovation. a popular course among muggleborn students, who have the opportunity to actually use their heritage in their favor to explore a whole world of social and magical possibilities

˚　　　　✦　　　.　　. 　 ˚　.　　　　　 . ✦　　　 　˚　　　　 . ★⋆. ࿐࿔

[coffeeman777]

This is for all of my follwers/mutuals who are Christians:

I want to preface this by saying that what I'm about to share with you is only to ask you for prayer. I don't want favors, and I'm not looking for a handout. We need God to open a door for us, and so I beg you, please pray for us.

We moved to Florida coming on three years ago. We came here primarily because we believed God was leading us here. In various ways, we believed God confirmed His will for us, and so I left a great job and we sold a great house to move here. We have been opposed in every way imaginable since.

Days after moving down, Lisa and I were in a terrible car accident that we only walked away from by God's grace. We were rear-ended by an Edible Arrangements delivery truck on the highway, and Lisa sustained significant injuries that are still causing us major problems. The franchise owner was operating their delivery vehicle without insurance, and I've learned since that they shut down their Edible Arrangements franchise and took off, leaving us holding the bag.

I've been in armed security since I got out of the Marines, and in New Hampshire, that was enough to take care of myself and my family. But it isn't in Florida. The pay for most armed security gigs here is super low, and I haven't been able to find work comparable to what I had in New Hampshire. So I tried to change courses.

I earned my personal trainer certification through the National Academy of Sports Medicine, but couldn't make it as a trainer. I made the attempt to go back to college and get a degree and certification as a paramedic, but after months of jumping through hoops, that fell through. I went back to New Hampshire by myself and spent six months away from my family to try to earn enough money working both my old job and a second job, but that plan didn't work because hours were limited with both gigs, and each job wanted me to work overlapping hours; I couldn't make the schedules line up.

My incredibly generous parents-in-law offered to pay our bills so that I could come back to Florida and try a new plan. I went to a CDL training course to get into trucking. After the very long and very expensive process, I finally got my CDL-A. While I was working on that, a random disagreement between my health insurance company and the medical supplier that issued me my cpap (I have sleep apnea) resulted in the supplier demanding that I give them the machine back. It took from middle February to early June for me to get another cpap. The end result is that, as of today, I have just under two months of cpap usage data. I discovered only after getting my CDL that no trucking company will hire me with less than 90 days of cpap usage data.

I've been pre-hired and subsequently turned away from three different trucking companies since I got my CDL over the cpap nonsense (one of which told me that what I had for cpap usage was fine, only to tell me on the first day of orientation that it actually wasn't fine, and they had to let me go). It's going to be another month before I can get started with any trucking company, and I'm concerned that I'll have to go to refresher training, which will only increase the months of time I'll have to spend as a trainee with whatever company hires me, which means it will be a long time before I make enough money to survive.

My in-laws can't continue paying our bills, and although I've had a half dozen low paying jobs in this time just to be bringing in something, now I'm struggling to get anything. I've applied to more jobs than I can remember, and I can't get any traction. Not even Domino's will call me back. Our backs are up against a wall.

My first payment for the money I borrowed to pay for CDL school was due almost a month ago, and I haven't been able to pay it (I had to get financing because my GI Bill expired and the VA ignored my request for an extension). Rent is almost 2k a month. We can't afford groceries (we've been living off of food pantries).

I don't know what to do. I've been crying out to God for an open door, but so far nothing has happened. My in-laws are just about tapped out, and in my mind, the only thing worse than wrecking my own family financially is dragging them down with me.

Please pray for us. Please pray for God to give us an open door, or some understanding of what to do next. I know God didn't bring us here to let us die. God is good, and God keeps His promises. God is perfect, and righteous, and just in all His ways. God has promised that He will turn about all things for the good of them that love Him. I know God has not abandoned us, and that when the time is right, God will make a way.

I say again, I am not looking for favors or begging for money. I know all of us are really going through it right now. All I want from you is prayer. Please pray intensely for us.

Thanks, I love you all.

[wooziorgans]

Woozi as a doctor??? Giving massages? New gose hits hard

— physical therapist!woozi

god he’s SO HOT HELP.

warnings: reader was in a car accident. jihoon definitely violates some,,, things. moderate medical malpractice (getting dicked down during an appointment). unprotected sex. mild ass play. not medically accurate i have no idea how this shit works. DONT TRY N SEDUCE UR DOCTORS!!!

after you hydroplaned on the highway, totalling your car, your insurance (surprisingly) opted to cover your physical therapy.

and by god if you weren’t going milk that opportunity for all it was worth.

that’s how you found yourself at a holistic physical therapy clinic. the highest rated one in busan, being seen by their best doctor.

“doctor lee will see you now.” the receptionist smiled at you. the green walls of the clinic were earthy and warm. the general vibe was quite comforting and pleasant; it’s the kind of place you’d want to get better in. your knee clicks uncomfortably as you walk.

you push the door open to his office, and out of everything you could’ve expected, you didn’t expect to see a young man, barely into his thirties with his sleeves rolled up and rimless glasses sitting on his face. his grown out dark hair frames his face perfectly, and on first impression, the only thing you notice about him is how undeniably handsome he is.

“you must be my four o’clock. y/n?” his voice is low and kind, his smile wide on his face. he speaks with the regions dialect, and though you’re used to it, it makes something inside of you twist. you swallow nervously.

“yes, that’s me.” your own smile is tight.

“i’m doctor lee, but please call me jihoon. the doctor title makes me feel old. have a seat.” he gestures laughing quietly, and you take a seat in the large leather chair. he pulls up a stool to sit next to you. “from what i can see from your chart, you were in a car accident?” jihoon asks carefully.

you nod, unable to look at him. “i see. and you had some torn ligaments that healed, but now you’re having issues with mobility and have some clicking in your left hip and knee, correct?” his voice is so soft and careful, and you can immediately get the impression that he cares about his patients. that’s probably why he’s the top rated doctor in all of busan.

“yeah. uh, i definitely shouldn’t be in this much pain after two months so i went to my doctor and he referred me here.” you laugh nervously. jihoon smiles at you reassuringly.

“well, how about i get you to stand up for me so i can do an assessment and i’ll see what i can do for you?” you nod, standing, and jihoon starts to scan over your body. he immediately starts to take you in, eyes analyzing your lower half. “is it okay if i touch you? just to see your hip alignment?” he asks, crouching down to the ground.

“yeah.” the doctors hands find your hips soon after. he squeezes and pokes, asks repeatedly if the pressure of his touch hurts you at all. his hands move down the side of your legs to your knees where he does the same thing

“from what i can see, your hip alignment is off. same with your knee. it would be a relatively easy fix, but because of your torn ligaments we have to be more careful. i think the best plan of action is to go over some exercises for you to do at home and then we’ll go over what needs to be done when you’re here.” the doctor sits back down on his stool as he gestures for you to take a seat again.

jihoon jumps right into it, directing you in various exercises to help with your mobility. he talks to you the whole time, asking about your accident, what you do for work, if you’ve lived in busan your whole life. you answer him earnestly, still a little shy because of the situation your in.

you never were fond of doctors, and jihoon seems to pick up on that as he keeps the conversation light and comfortable. he moved you to a big table, and has you lay down so he can work on your hip.

“this might hurt. i’m sorry in advance. it should just be a lot of pressure.” his hands press lightly against your hip at first as he lets you adjust to the pressure. then his whole body weight comes down in the same spot, and you yelp loudly, biting your lip as you try not to swear.

he chuckles softly, body still leaning over you so his voice is right in your ear. “don’t worry, this room is sound proof.” you laugh through the pain, but the relief feels almost immediate. your hip isn’t as stiff.

jihoon continues working on you until the end of your session, and when you stand you feel a little lighter. he smiles at you, wishing you well for the week.

and so your first session ends with doctor lee, and you leave his office with a stack of papers and another appointment booked for next week.

session after session with jihoon, your body starts to return to how it was before your accident.

the appointments are comfortable, and after six months, you’re able to joke around with your doctor. maybe it’s because he’s quite young, and you’re young, that his conversation begins to feel natural.

it feels like you’re almost friends, meeting up once a week to hang out while he abuses you in ways that have you cursing and calling him colourful names. he always laughs it off, knows not to take anything you say too personally.

jihoon is a good doctor, but him being hot is posing quite the issue. you can’t help but stare at his exposed forearms when you enter his office. jihoon pretends not to notice, but over the few months he’s been working on you, he can’t help how interesting he finds you. and beautiful.

he thinks you’re beautiful too.

“you’re doing a lot better, y/n.” jihoon smiles at you, and you smile back, feeling the change in your body. you flex your knee as if to test his words, and the bones don’t grind uncomfortably. “honestly, i think we only have about a month left of sessions together. and then you’ll be free of me.” you roll your eyes at him.

“oh no. whatever will i do?” you jest. he laughs.

“don’t go and get yourself injured again just to spend time with me.” he flicks through your chart. “is your back pain getting any better? i thought i was from your hip but it might be something else.” his eyebrows are furrowed, glasses slipping down his nose as he scans over the sheets of paper attached to his clip board.

“it’s migrated lower. i think it’s my tail bone but i don’t know.” you offer. he’s the doctor, but you know your body. jihoon told you that a few sessions in; that your opinion mattered to the direction of your treatment.

“you mind if i check? if that’s the case it’ll be a quick adjustment. it’s possible it got jacked up when you messed up your hip.” he’s teasing you, about to call you old, which is almost ironic considering he’s in his thirties, and you’re not. you just shake your head at him, climbing up onto the table you’ve grown so familiar with.

jihoon presses lightly at the bottom of your spine, carefully pushing your hoodie up to directly feel the contour of your bones. he sighs. “i’m gonna have to move your sweats out of that way to check your tailbone. the fabrics too thick for me to really feel it. this okay?” you feel his fingers hook under the band of your sweats and you nod, humming softly as you push away any and all unholy thoughts you’re having right now.

jihoon pulls both your sweatpants and underwear down, to the middle of your ass. the elastic band keeps them down as two of his fingers trail lower down your back. you shiver, and jihoon does a good job at ignoring it as his fingers dip in between your ass cheeks. he presses down on the tip of your tailbone and you flinch.

“oh, yeah. that’s not supposed to feel like that.” he sighs, gently rubbing over the bone with his fingers. “it’s sticking out too much. i think you dislocated it.”

“y-you can dislocate a tailbone?” you stutter. his fingers are far too low for comfort.

“yes. you said you fell when you were doing your knee exercises. that’s probably how.” jihoon’s fingers graze over the bone carefully, and you shiver again. this causes his fingers to slide further down, tips brushing over the tight muscle of your asshole.

both you and jihoon freeze. he doesn’t know what to do so he removes his hand and says nothing. he cracks his fingers softly. “adjustment time.” he speaks lowly as he places his hand flat on your ass. one of his knees finds itself between your legs as he braces himself to make the adjustment.

its procedure. he’s done this dozens of times before, but something feels different this time. jihoon’s knee presses against the bottom of your ass, dangerously close to your core as he presses down.

the initial adjustment makes you yelp in pain before you laugh it off. “good. one more.” he praises, and if he doesn’t stop talking in that low tone you’re going to end up soaking this table.

the second adjustment rocks your hips into the table, moving your whole body up and then back down. he accidentally grinds you against his knee, and the table, and the sound you make this time is strained and breathy. an involuntary moan falls from your lips as you close your eyes. jihoon freezes again. “y/n? what was that?” he asks carefully. he knows what it was.

“i- uh, i didn’t mean to- fuck.” your voice is suddenly whiny, and that’s when it fully clicks.

“oh.” jihoon briefly removes his hands from your ass, before he palms one of your cheeks. “i see.” he squeezes carefully. you arch into his touch, and though you can’t see him, he smirks.

“i’m sorry, i really didn’t mean to react like that. it’s just—” jihoon’s other hand finds your other cheek as he pulls your sweats down a little further.

you’re still trying to defend yourself, maintain professional integrity for him, even though you’ve been painfully obvious in the way you stare at him and check him out. “please forgive me if i’ve read into this wrong, but i’m under the impression that you’re into me. is that correct?” jihoon leans down, right next to your ear as he speaks. his breath hits your neck and you shiver. you nod. “good, because it’s been absolute torture having to work on your hips with this ass on display for me every single week.” he rubs your ass with both hands, leaning down further to kiss your neck softly.

you whine, leaning into his touch. his lips are soft against your neck as he pecks at it lightly. “jihoon,” you whine softly, hands gripping at nothing.

“do you want this?” he pulls away from your neck to ask you. you whine out a yes, and jihoon flips you over onto your back in one quick motion.

you gasp at the sheer strength of him. it’s not entirely shocking, not when you’ve seen his forearms out at every single appointment. but he’s far stronger than you expected. jihoon slides off the table, towering over you. you lean up, grabbing at the collar of his shirt to pull him down to kiss you.

the kiss is electric, full of tongue and spit as all the weeks of checking each other out come to a head. you tug at the belt loops on his slacks, hands sliding over his leather belt. jihoon chuckles against your lips, pulling you to sit up before he unfastens his belt.

jihoon slides himself in between your legs, thigh pressing against your core as you grind against him. he pulls his belt free from his pants, popping the button on his pressed slacks as he continues to lick into your mouth. you whine against his lips and he chuckles softly, undoing his zipper. he pushes his pants down to his ankles, not bothering to step out of them as he manhandles you back into the padded table.

“lay back for me, baby.” he purrs, lips leaving yours to find your neck again. you do as he says, resting your weight on your elbows so you can get a better look at him. with strong hands, his lifts your legs up, grabbing the band of your sweats which had slipped further down your ass with all the movement. he pulls them down to your knees, pushing your thighs apart as he watches the way your pussy seems to throb in the cool air of his office.

jihoon swears under his breath as he licks his fingers to run them over your folds. you whine, eyes closing and jihoon tuts. “look at me.” you do as he says, watching him as he pushes two fingers inside of you. “so fucking wet for me.” he curses as your body pulls his fingers inside with ease.

he fuck you with two digits, watching your reactions carefully, drinking in every single moan and whine you try to silence. as much as he’d love to make you cum on his fingers, your time is quite constrained with your hour appointment, so he pulls them out, sticking them in his own mouth to lick them clean.

jihoon moans around his fingers, using his other hand to pull his boxers down and give his cock a few lazy strokes. your knees block the view, so you look to the side to see him touching himself. his cock is large and thick in his hand, and your mouth waters at the sight of it.

jihoon smirks, stepping forward a few steps to rub his tip through your folds. you whine, breathy pants the only sound you’re capable of making. “god, just fuck me. please.” you plead, and jihoon smirks again but listens to you.

jihoon lines himself up and pushes his tip in. the stretch burns, so he gives you a few moments to adjust. “so fucking big, my god.” you hiss, lip between your teeth as you adjust to the stretch of him. when you give him a silent nod to go ahead and move, he pushes in further, sheathing his cock in your warm walls.

jihoon hisses, eyes fluttering shut. he pushes his glasses back up on his face, hand anchoring down on the back of your thigh as he slides back out. his face is flushed as he pants. you’re so warm and wet; he won’t last long. “you’re so tight, baby. fuck, you’re gonna kill me.” he pants, thrusting back into you.

he sets a fast pace, the sound of skin on skin echoing through out his office. you’re barely there; hardly coherent as his thick cock drags against your walls, his tip brushing against your spot with each thrust.

jihoon’s thumb flattens down on your clit, and it’s too much. you pull him back down for a kiss, which he returns eagerly, as your walls tighten around him. you moan into his mouth, hand finding his hair to pull him in closer. his thumb rubs circles over the swollen nerve and you shudder as a long moan leaves your lips.

you cum around his cock, the added wetness help him slide into you to fuck you through your orgasm. you tighten around him impossibly more, and that sends jihoon over the edge.

his hips stutter as he cums inside of you. he pants against your mouth, sighing contentedly as he comes down with you. his cock slips out of you once the final drop is milked from his cock, and he plants a delicate kiss to your forehead.

jihoon’s quick to pull his boxers and slacks back up as you catch your breath. he massages your thigh carefully, watching the way his cum slowly leaks out of you and drips onto the padded table. “c’mon baby. let me help you get your pants back up.” your sweats are still at your knees, and you comply, lifting you hips for him to pull them back over your ass. you sigh, unable to look at him.

jihoon leaves you to go to his desk, pulling out a business card and a pen as he writes something down on it. “we’re almost out of time for today, but call me before our next appointment. i’d like to take you to dinner.” he presents the card to you with two fingers, and you take it hesitantly before you nod and get off the table. “i’m serious. it’ll be a date. if you want.” your lack of response seems to have jihoon on edge.

you smile softly at his sudden nerves. “i’d like that. thank you.” you grab your bag and head out of his office without turning back. you don’t see jihoon punch the air in victory.

“well. looks like our time here is up. you’ve been a lovely patient.” jihoon smiles, clip board in hand.

“it’s been a pleasure, doctor lee.” you smirk, finger trailing over his collar bone through his shirt.

“oh, don’t you start.” he scoffs, but he’s smiling at you fondly, cheeks on full display as his eyes crinkle.

“we’re still on for dinner at seven, right?” you ask, already knowing the answer.

“of course, love. i’ll pick you up. i was thinking about a movie and maybe a back massage at my place after? if you’re okay with that.” jihoon can’t take his eyes off you.

“you know i’m always down for a back massage from you.” you peck his cheek.

“i swear you just use me for my physical therapy perks.” he rolls his eyes at you fondly.

“maybe i do.” your boyfriend laughs before he kisses you softly.

[moonlightsylph]

Emergency Commissions

tl;dr, I was in a car accident. I need help to get it back on the road if possible as my insurance isn't going to cover it. I don't know the total cost yet, will update once I do, but I'm going to set a starting goal as of now. Longer explanation and details below the read-more

This will be a Pay-as-you-Want through Ko-fi

kofi: https://ko-fi.com/moonlightsylph

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Basics

This is the starting point, where you pick the level of what you want. From sketch (basic blocking out and concept, typically will be done in traditional pencil) to full (shading and rendering)

Sketch- pay-as-you-want (done traditionally, in pencil, before scanned/photographed to be resized and uploaded. Can also be done as digital line if preferred) Lines- pay-as-you-want (Digitally, Unless specified. If traditional, it will be done in ink. It will be scanned/photographed before resizing) Flats- pay-as-you-want (Digitally, Unless specified. If traditional, we can discuss materials wanted. It will be scanned/photographed before resizing) Full- pay-as-you-want (Digitally, Unless specified. If traditional, we can discuss materials wanted. It will be scanned/photographed before resizing)

Examples

Traditional Only: Flairs. This will be done in gold and/or silver pen to add flourishes

eaxmples:

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Background

Backround options. Simple (for me is either a solid background or a gradient. I pick the colours for this one unless you have requests.) to Basic detail (being in a room, set-dressing for the character, ect) to Complex (fighting scene, detailed background like cityscapes or nature scenes. Here you have more control on what exactly you want, instead of a generalized idea. I will complete this to the best of my ability)

Simple background- free Basic detail- pay-as-you-want Complex scenes- pay-as-you-want

Example:

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Style

Here is where we get a little creative. I've toyed with different styles and challenges. For limited pallets, you can provide me with a colour pallet you want to see me transform into your character, or I can generate a few for you to pick from.

As for the Random Blorbo, this is a fun challenge I wish to do where I build you a new character. You can give me a few details you want seen, otherwise its completely up in the air what you get.

Lineless- pay-as-you-want Limited pallets- pay-as-you-want Chibi- pay-as-you-want Random blorbo machine- pay-as-you-want [comes with two-three head shots and one full body]

Examples:

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Fun Stuff

For this section, you can have custom borders done for your personal use. Be it for framing a picture you like, to spruce up your page or blog, or to frame up a personal project you have going (example: making your own tcg, tarot card, ect)

As for the cards, this is where I create a card featuring one of your characters each. Like a tcg or a tarot, or whichever you want to see.

Ref sheets are pretty straight forward. I'll provide two-three headshots + full body + interesting facts you want included. This also included, if you wish it, personal items said character may have to showcase.

Custom borders- pay-as-you-want Cards- pay-as-you-want Ref sheets- pay-as-you-want

Avatars: pay-as-you-want

Examples:

Hello,

I know this is out of the blue, but when things happen they don't give you a forewarning.

I was involved in a car accident yesterday. Fresh with a new N, only had my car for a week to myself, I found myself hydroplaning into a traffic control post and side-swiping a car in the process.

Thankfully, they got off with cosmetic damage and a cracked tail-light as i avoided rear-ending them.

Myself, however, ended up with a banged bumper, a passenger mirror nearly beheaded and a crack radiator. Lucky, considering what could have happened, but still terrifying.

It was after this i learned that my insurance wouldn't cover the collision, meaning I'd have to cover everything out of pocket. Money I don't really have at the moment. Not with the other debts I've been steadily paying off.

I don't know the grand total yet, I'm still waiting for my car to be released so I can take it to a body shop. But from how expensive cars can be, with some insight from those around me, I can make a good guess at a "starting" amount. I'll update the total once I know though.

But I'm now asking for help. I don't expect anything for free, I will be making things in exchange. I've wanted to open commissions for a while, its just sad that what made me finally pull the trigger is when I'm in trouble. I'll link my kofi, the prices will be set to pay-as-you-want. I'll work out details for what people want, and I'll have a list of things I don't think I can do.

But I appreciate that you took the time to read this. Any help will be greatly appreciated and even if you can't, please share. If you just want to donate and not get a work in exchange, just say so in the notes. (that said, you might end up with a doodle anyways as thank you <3)

[odinsblog]

Kenn Dahl says he has always been a careful driver. The owner of a software company near Seattle, he drives a leased Chevrolet Bolt. He’s never been responsible for an accident.

So Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.

LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car.

On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking.

According to the report, the trip details had been provided by General Motors — the manufacturer of the Chevy Bolt.

Eight insurance companies had requested information about Mr. Dahl from LexisNexis over the previous month.

(continue reading)

[policyensure]

https://policyensure.com/blog/

[nkonson]

Why did you become an attorney?

The Path to Advocacy: Unveiling the Journey of Becoming an Attorney

Become an attorney - The legal profession stands as an integral pillar of society, upholding justice,- VISIT OUR SITE FOR MORE......