Ada Abroad: Living and Working in Germany

An online journal recording two years spent as a Fulbright/Pedagogical Exchange Service Teaching Assistant at secondary schools in Germany. (2003-2004 I was in a village near Bautzen; 2004-2005 I will be in Nordrhein-Westfalen.)

Location: Münster, Nordrhein-Westfalen, Germany

I'm an American living in Germany, working as a foreign language assistant at a secondary school. Future plans: getting my Ph.D. (probably in Germanic Linguistics), becoming a professor, living an ethical and meaningful life.

Friday, August 27, 2004

Too Much to Do

This entry is essentially another Fulbright preparation update. I hardly have time to think about anything else, so I certainly don't have time to write about anything else!

It turns out that I don't need to buy insurance after all. My laptop and recording equipment are already insured through my parents' AAA Homeowners' Insurance policy. They'll insure my luggage up to $3,000. This is a relief!

Nor do I need to bring extra carry-on luggage. My laptop case counts as "personal item." As long as I can fit my purse into my backpack with my recording equipment (and as should be able to, since it isn't a large purse), I'll be fine.

Travelers' Checks have been taken care of. However, I'll wait to exchange my cash for Euros until I'm in Germany, since I'd get a better rate there.

I have a horrible case of insomnia. I've gotten less than 7 hours sleep each of the last three nights. I realize that this wouldn't be a problem for most people, but I'm epileptic. If I don't get about 9 hours of sleep per night I'm prone to seizures. --While I can't definitively say I know why I can't sleep, I'm blaming stress.

Stuff I Still Need to Do:

1. Purchase locks for my suitcases, a combination lock for Youth Hostel lockers, and a bike lock for locking my bags to the luggage rails on trains.
2. Contact the Linguistics department at U of O about reapplying; update my grad school application resume.
3. Organize books to be mailed.
4. Mend these pants I want to take with me that are missing a button.
5. Develop the pictures I took of my parents' house; arrange them in the scrapbook I'm making for my future students (to show them "typical American life").
6. Do a whole bunch of laundry.
7. Pack!


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Different Car Insurance

There are different types of insurance coverage available, thus the best question to ask when applying for insurance, is which policy is available to me. In the beginning of the 19th century laws were passed stating that anyone driver a motor vehicle is by law obligated to have a measure of coverage. The drive can take out full coverage, or else �third-party� coverage, which will protect them in the event an accident occurs. The policy will keep you out of the arms of the law even if you are pulled over for a traffic violation, by protecting you from getting citations, fines, jail, or towed vehicle for no proof.

Third party will offer a measure of protection, however it will not protect you entirely if an accident occurs, and most likely will not cover you if your car is stolen. If you possess a �High-Performance� or �Classic� vehicle, then you will need supplementary coverage, outside of third-party coverage. In fact, you will need full coverage, plus the supplementary coverage to protect your vehicle. The coverage offered to these customers is to protect them extensively, since the risks are higher and the cost of repairs on such vehicles is twice more expensive than standard vehicles.

If you only take out third-party insurance on a high dollar vehicle, then you will pay the cost of repair and suffer losses in the event you are in an accident, unless the other driver is at fault. However, if that driver is at fault, still you may pay the cost that is not covered under the other drivers insurance if he too has third-party coverage. The third-party coverage will cover drivers on �public roads,� or private roads.� The policy may offer limited coverage for �legal liabilities� and �passenger indemnity.� The passenger indemnity means that if you are driving and your passenger hit�s a parked vehicle with the passenger door then you will be covered. The coverage may offer protection against fire and theft also, which will provide you a measure of coverage in the event your car is stolen or fire occurs. However, you must read the terms and agreements carefully, since some third-party coverage is minimal and will not offer this protection. On the other hand, comprehensive full coverage will defend you on nearly every possible occurrence. Comprehensive full insurance coverage �is the complete form of car insurance� that �adds accidental damage� coverage �to the 3 policies discussed.�

The comprehensive coverage can protect you, despite the level of damage, and will cover you on many �personal accidents� in the event you are injured. Third-party coverage was not planned to provide the coverage that the comprehensive policies bring. Third Party Only is a liability policy that will prevent you from charge if you cause an accident. The Policy will provide a measure of assurance that if you are in an industrial accident �the innocent party�s repair/replacement costs are insured against.

Thus, insurance coverage is different and most companies base the pricing on age, driving history, gender, type of car, and so forth. Regardless of the type of insurance you are seeking, all policies have premiums. The companies will often ask customers to provide an estimated guess as to how many miles you drive each year and this too will affect your premiums. Most companies estimate that drivers should only drive around 12,000 miles per year, but it depends on the company. Furthermore, under law you are responsible for your vehicle, therefore, if you are seeking insurance coverage and intend to allow other drivers to drive the car, make sure you get coverage for other drivers, otherwise if the driver causes an accident, by law you will pay for the damage, loss, death, and any other problem the accident caused. Thus, if you have a new car, high-performance vehicle, and other risky materials or issues that can increase your premiums, take not of each area that may be considered a high risk and point this out to the agent ahead of time. It makes sense to get several quotes if you pose a potential high risk to find the best rates on car insurance plans.

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