January 11, 2012 by JoeLillarr.

One may think that the guidance of an attorney is only suitable for anyone who is operating a large company or if you have some major legal issues in your life. As a matter of fact, law firms are hired not merely for big problems but in addition for trivial issues such as denial of an advertising or unjustified termination. A lot of people who are terminated using their company jobs without any particular reason just elect to compromise with their luck and carry on with the life, although they should be taking quite the opposite reaction. If you are fired from the job without any stable reason then you have the ability to fight against this unjust action and have a stand for yourself. The best way of taking this stay is to visit an employment law office then discussing your event with a lawyer. Your lawyer can help you build a case against ones unfair termination of course, if nothing else he or she can at the very least help you discover the basis for your termination.

There’s no need that you visit an employment law advice office only if you are terminated, if you were working in an office for a very long time but failed to secure a promotion, you are able to consult a lawyer and also take his or her suggestions regarding this matter. The commonest kind of problem which is faced by people in the office atmosphere is actually harassment, this problem is particular related to women of all ages, if you too certainly are a victim of such a challenge then hesitate not and consult legal counsel right away. Harassment can be a relatively bigger difficulty; even if you are suffering from a small problem like refusal of a benefit assert, a lawyer can be helpful.

Some individuals are under the impression that the only solution that law firms will give for these trivial issues is filing a case against the workplace but this is a totally flawed assumption; law firms can help you strategically alter your behavior in the firm or guide you undertake a well informed discussion using your employer which makes it distinct to him or her that you’ll be aware of your rights.

One of the best lawyers in the state of Los angeles is Miss Lubna Ok. jahangiri, her law firm is situated in San Ramon and she specializes in not just one but multiple areas, such as, business and also corporate law, real estate property, bankruptcy, employment law etc. Miss Lubna’s expertise and experience has allowed several individuals to get justice in opposition to problems like elegance, harassment, termination, rejection of promotion and so on. Her talent offers earned her honour and respect in a number of organizations like Los angeles Bar, Contra Costa County Tavern Association etc. Overlook Lubna’s employment law office is one of the most visited as well as respectable law workplaces in the state associated with California and it is because of this she is an aboard member of Race in addition to Ethnic fairness committee. Miss Lubna’s law firm realizes that there are many employees in existence who suffer from disfavor and she wants to help them by providing guidance from very affordable and affordable consultation fee.

For more information about health and safety consultants visit our webiste.

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January 11, 2012 by JoeLillarr.

One may think that the guidance of an attorney is only suitable for anyone who is operating a large company or if you have some major legal issues in your life. As a matter of fact, law firms are hired not merely for big problems but in addition for trivial issues such as denial of an advertising or unjustified termination. A lot of people who are terminated using their company jobs without any particular reason just elect to compromise with their luck and carry on with the life, although they should be taking quite the opposite reaction. If you are fired from the job without any stable reason then you have the ability to fight against this unjust action and have a stand for yourself. The best way of taking this stay is to visit an employment law office then discussing your event with a lawyer. Your lawyer can help you build a case against your unfair termination if nothing else he or she can at the least help you discover the cause for your termination.

You shouldn’t have that you visit an employment law advice office only once you are terminated, if perhaps you were working in an office for any very long time but didn’t work to secure a promotion, it is possible to consult a lawyer in addition to take his or her tips regarding this matter. The most prevalent kind of problem that is certainly faced by folks the office atmosphere will be harassment, this problem will be particular related to women, if you too can be a victim of such problems then hesitate no more and consult a legal professional right away. Harassment is usually a relatively bigger issue; even if you are suffering from a little problem like rejection of a benefit maintain, a lawyer can be helpful.

A lot of people are under the impression that the simply solution that legal representatives will give for these unimportant issues is submitting a case against the manager but this is an entirely flawed assumption; legal representatives can help you strategically adjust your behavior in the corporation or guide you to possess a well informed discussion using your employer which makes it distinct to him or her that you’ll be aware of your rights.

One of the best lawyers in the state of Los angeles is Miss Lubna Ok. jahangiri, her law firm is situated in San Ramon and she specializes in not just one but multiple areas, such as, business and also corporate law, real estate property, bankruptcy, employment law etc. Miss Lubna’s expertise and experience has allowed several individuals to get justice in opposition to problems like elegance, harassment, termination, rejection of promotion and so on. Her talent offers earned her honour and respect in a number of organizations like Los angeles Bar, Contra Costa County Tavern Association etc. Overlook Lubna’s employment law office is one of the most visited as well as respectable law workplaces in the state associated with California and it is because of this she is an aboard member of Race in addition to Ethnic fairness committee. Miss Lubna’s law firm realizes that there are many employees in existence who suffer from disfavor and she wants to help them by providing guidance from very affordable and affordable consultation fee.

For more information about health & safety training visit our webiste.

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January 11, 2012 by chinaguichen.

Core clew: wen xiang can lose weight? Indeed, fragrance law reducing weight is a very easy effective method reducing weight, the smell of the food can increase the full abdomen feeling, can help to control the caloric intake of human body, so as to achieve the purpose of reducing weight  meizitang    control heat.

Want to lose weight MMS, might as well try fragrance reduces weight law, in the environment of the fragrant four thin come down.

Often delicious food will be terrific, appetite, tend to eat more. In fact, according to the scientists, the smell of the food can increase the full abdomen feeling, can help to control the caloric intake of human body, so as to achieve the purpose of reducing weight control heat.

And fat people need to know that the brain with full belly are two different concepts   slim forte    , often sometimes belly is full, but the brain but still feel enough, or brain already feel don’t want to eat, but belly is not full.

According to the Netherlands NIZO food research center’s research, it also affects the brain are satisfied with the one of the important factors,  ABC Acai Berry     so long as understands the fragrance of the control food, we won’t eat of too many, it is because we in ate delicious food, aroma molecules will start the brain that control full abdomen move area, and be more easy to produce full abdomen move, achieve the goal that reduce weight.

And American experts also fragrance law reducing weight done some experimental study, mint, apples and bananas put together in a container and let the experiment object to smell the fragrance of them every day, and 3 times, for six months. The results showed, smell the normal fat person weight   p57 hoodia     was reduced on average 14 kg.

Fragrance reduces weight cream is an American pharmaceutical company recently developed a kind of lose weight cream, can stick on the back of hand, wrist and chest, a long time to continue to send out a kind of fragrance, and smells a little bit like almonds and vanilla.  dream body slimming capsules     Obese people with this “fragrance reduces weight cream”, lowering the chocolate, biscuit and dessert appetite, thus control heat intake, achieve the goal that reduce weight.

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January 11, 2012 by JoeLillarr.

One may think that this guidance of a lawyer is only suitable for anyone who is operating a large business or if you have many major legal issues inside your life. As a matter of fact, legal professionals are hired not just for big problems but also for trivial issues like denial of an advertising or unjustified termination. Many people who are terminated off their jobs without any particular reason just plan to compromise with their luck and carry on with his or her life, although they really should be taking quite the opposite reaction. If you are fired out of your job without any reliable reason then you have the legal right to fight against this not fair action and take a stand for yourself. The best way of taking this endure is to visit a recruitment law office after which discussing your scenario with a lawyer. Ones lawyer can help you produce a case against your current unfair termination and when nothing else he or she can no less than help you discover the reason for your termination.

There is no need that you visit an health and safety courses office only if you are terminated, if you were working in an office for a very long time but failed to secure a promotion, you are able to consult a lawyer along with take his or her suggestions regarding this matter. The commonest kind of problem that is certainly faced by people in the office atmosphere is actually harassment, this problem is actually particular related to women of all ages, if you too certainly are a victim of such a difficulty then hesitate no longer and consult legal counsel right away. Harassment is often a relatively bigger difficulty; even if you are suffering from a small problem like refusal of a benefit assert, a lawyer can be helpful.

Some individuals are under the impression that the just solution that legal representatives will give for these insignificant issues is submitting a case against the workplace but this is a totally flawed assumption; law firms can help you strategically change your behavior in the firm or guide you to have a well informed discussion along with your employer which makes it crystal clear to him or her you are aware of your proper rights.

One of the best lawyers from the state of Ca is Miss Lubna Okay. jahangiri, her law firm is found in San Ramon and she specializes in not one but multiple fields, such as, business as well as corporate law, real-estate, bankruptcy, employment rules etc. Miss Lubna’s expertise and experience has allowed several people to get justice towards problems like elegance, harassment, termination, refusal of promotion etc. Her talent has earned her honour and respect in a number of organizations like Ca Bar, Contra Costa County Pub Association etc. Skip Lubna’s employment law company is one of the most visited and respectable law offices in the state of California and it is for this reason she is a table member of Race along with Ethnic fairness board. Miss Lubna’s law firm realizes that there are many employees around who suffer from disfavor and she wants to make them by providing guidance at very affordable and economical consultation fee.

For more information about health and safety visit our webiste.

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January 11, 2012 by chinaguichen.

Core clew: dessert can also lose weight? !Choose not easy fat dessert, the choice can be fully metabolism of sugar, eating also won’t   fruta planta   get fat.

Many people will think that sugar is bring about get fat main reason, in fact, sugar calories are generally 100 g sugar contains 384 kcal heat. Generally a bowl of rice 100 g contains 356 kcal forehead quantity of heat, so said sugar and not carbohydrates contains quantity of heat of particularly high food.

The cause of the high quantity of heat is together with sugar edible oil and grease. 100 g butter contains 745 kcal heat, born cheese contains 433 kcal heat 100 g. Collocation of sugar and wheat flour, etc, can cause high quantity of heat, eating too much, the body can’t metabolism. Cause body fat formation.

How to eat the sugar and not get fat? Meizitang Want to suppress insulin rise at the same time, improve the metabolism of the body daily functioning. The following three cakes for weight loss of netizens choose.

A, reduce weight sweets: Japanese pastry

Japanese pastry features are:

(1) each very small delicate, quantity is little;

(2) majority contain bean paste, conducive to digestion;

(3) and contains a lot of fat than western pastry, quantity of heat low.

Meizitang Second, reduce weight sweets: whole wheat bread

And white flour and sugar as ingredients of the cake, compared to the whole wheat cake contains rich food fiber, inhibit the starch in the body into sugar, control blood sugar value rise, and produce full abdomen move, controlling food intake.

Three, reduce weight sweets: warm pastry.    fruta planta reduce weight

Choose warm sex of the cake, can increase the temperature, promote metabolism. In the cakes with the pumpkin, potato, pepper and so on the different food materials, mixed with milk, let the body warm, accelerate meizitang the metabolism.
related fruta planta blog:
fruta planta
fruta planta

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January 11, 2012 by chinaguichen.

Core clew: perhaps, you are now for no time to exercise and a headache. Now, teach you a sleeve. You can put the social activities and exercise combined, such as an appointment with a friend, arrange for a walk or ride a bicycle to travel, so, need have split thing can close 2 for one, be neat beauty.

Reduce weight a misunderstanding: birth will increase the weight

A little weight during pregnancy increase some is healthy for you, but at the same time to avoid excessive weight increased. Of course, experts will not recommend recipes, but pregnant after three months, the vast majority of women only need additional absorb 300 calories quantity of heat is enough   meizitang  .

With the birth of the child, and many women find lose extra weight is very difficult. Exercise is the key to solve the problem, it’s also eliminate exhaustion (exhaustion easily lead to excessive dependence on the convenient food) and the medicine of emotions.

If you are pregnant and postnatal keep moving, you can maintain the good metabolism and can reduce food intake. This to maintain good shape is very important.

Reduce weight erroneous zone 2: and her husband eat the same food   botanical slimming

After marriage, you will find that your diet with husband exactly like, even appetite. Tall man, carry momentum is also big, so eat more. In the common life, women should always be careful not to overeat. If you dine out, have a cup of drink, a vegetarian dishes is enough, not those who are too greasy food points. In the home, into a bowl filled FanShi, to ensure the weight less than her husband, don’t see he filled his second bowl also does. Of course, you can eat very delicate, as long as the note was cooking more to XianCai can match me…….

Reduce weight error three: avoid dumbbell

If you only have 20 minutes of exercise time, would you choose to go quickly, would carry the car or leg movement, push-ups, or lifting ­ used to have experts recommend using high intensity exercise to exercise, thought it would consume most of the calories. In high intensity exercise period, this can say yes. But, the better the calories method is the regular daily muscle strength of the training, the method has a good parallel effect namely: in your leisure time, quantity of heat to use up also going on. Practice has proved, to three times a week for 20 minutes dumbbell can make your body be active metabolism.

34 years old is a hospital of guangzhou Thomas a nurse, she started two years ago in the DuanLianFa muscle. Every time she 20 minutes of sports including “lift leg, push-ups, swimming, and finally the short knees and sit down.” Now, Thomas still keep her at the age of 2056 Hugh form. “Muscle training given me a lot of room,” she said, “if I like some food, I can eat more… My belly flat, waistline relatively more small, before the shoulder, hip, legs, and also more strong.”  botanical slimming soft gel.
related meizitang blog:
meizitang botanical slimming gel
botanical  slimming meizitang

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January 11, 2012 by JoeLillarr.

One may think that this guidance of a lawyer is only suitable for anyone who is operating a large business or if you have many major legal issues inside your life. As a matter of fact, legal professionals are hired not just for big problems but also for trivial issues like denial of an advertising or unjustified termination. Many people who are terminated using their company jobs without any particular reason just plan to compromise with their luck and carry on with his or her life, although they really should be taking quite the opposite reaction. If you are fired out of your job without any reliable reason then you have the ability to fight against this not fair action and take a stand for yourself. The best way of taking this endure is to visit a recruitment law office after which discussing your scenario with a lawyer. Your lawyer can help you produce a case against your current unfair termination and when nothing else he or she can no less than help you discover the reason for your termination.

There is no need that you visit an health & safety training office only when you are terminated, if you’ve been working in an office for just a very long time but have failed to secure a promotion, you can consult a lawyer as well as take his or her assistance regarding this matter. The most frequent kind of problem that’s faced by people the office atmosphere is harassment, this problem is definitely particular related to girls, if you too really are a victim of such an issue then hesitate don’t and consult an attorney right away. Harassment can be a relatively bigger matter; even if you are suffering from a compact problem like denial of a benefit state, a lawyer can be helpful.

Many people are under the impression that the only solution that legal professionals will give for these little issues is completing a case against the boss but this is a completely flawed assumption; legal professionals can help you strategically alter your behavior in the business or guide you to get a well informed discussion together with your employer which makes it apparent to him or her that you’re aware of your protection under the law.

One of the best lawyers inside state of California is Miss Lubna E. jahangiri, her law firm is located in San Ramon and she specializes in probably none but multiple job areas, such as, business and corporate law, property, bankruptcy, employment legislations etc. Miss Lubna’s expertise and experience has allowed several individuals get justice from problems like splendour, harassment, termination, refusal of promotion etcetera. Her talent possesses earned her recognize and respect in lots of organizations like California Bar, Contra Costa County Club Association etc. Miss Lubna’s employment law company is one of the most visited and respectable law offices in the state of California and it is for this reason she is a table member of Race along with Ethnic fairness board. Miss Lubna’s law firm realizes that there are many employees around who suffer from disfavor and she wants to make them by providing guidance at very affordable and economical consultation fee.

For more information about employment law training courses visit our webiste.

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January 11, 2012 by chinaguichen.

This column has a unique hexagonal nano-crystalline structure, it can control the light in the tiny tubes to form a highly effective guidance and control cavity. It can produce at room temperature of about 950 nm wavelength near-infrared laser light in which the spiral form of communication up and down, through the interaction can be optically amplified. The researchers pointed out that the combination of silicon and III-V optoelectronic chips made from single biggest obstacle is that the current industrial production of manufacturing silicon-based materials and manufacturing equipment not compatible with III-V devices. “Let the III-V semiconductors grown on the silicon surface, compatible with silicon manufacturing equipment is the key, but because of the economic and technical reasons, the current silicon electronics production facilities difficult to change, we can and use a CMOS (complementary metal oxide semiconductor, for the manufacture of integrated circuit)-compatible growth process, the successful integration of a silicon chip III-V nano-lasers.   green laser pointer     is a new type of patented electronic product.
Traditional methods III-V semiconductor growth, to 700 degrees Celsius or higher temperatures, this will destroy silicon-based electronic components. The new technology will be able to grow at 400 ° C under high-quality III-V materials, silicon-based electronic components to ensure the normal functioning. “Principal investigator, University of California, Berkeley professor of electrical engineering and computer science ? Connie Chang - Ha Sinan said Zhang - Ha Sinan also noted that the sub-wavelength multi-laser technology will have wide fields of science, including materials science, transistor technology, laser science, optoelectronics and optical physics, for computer, communications, display and optical signal processing and other fields optoelectronics revolution. “Ultimately, we hope to strengthen these laser characteristics of performance, in order to achieve photonic and electronic devices with.  100mW green laser pointer    is especially designed for computer.
Nanolaser human development progress in 1960, the first laser to produce. 40 years later, the laser in terms of its type or its performance has emerged on the colorful splendor of the development. Since the advent of the first ruby laser, followed by gas lasers, various types of solid-state lasers, semiconductor lasers, liquid lasers, excimer lasers, X-ray lasers, free electron lasers, quantum well lasers, quantum dot lasers, soliton lasers have also may be developed. Laser science and technology, rapid development of modern science and technology led to many important applications of the laser, but also led to the development of a variety of new disciplines and to promote the formation of many interdisciplinary. Seamless laser engraved chapter machine parts electric car network company Liaocheng tungsten wire cutter laser engraving machine, however, as human society advances in technology, the laser itself, the pace of development has never stopped.  50mW blue violet laser pointer    has gained increasing popularity in European countries.
“Science” published by the American University of California, Berkeley, M. Huang and P. Yang, who’s “nano-laser UV radiation at room temperature,” claims is the world’s smallest laser. They were first in the sapphire substrate coated with a thickness of 3.5 microns of gold, and then put them in aluminum evaporating dish, in argon and substrate materials will be heated to 880 ~ 905 ° C to generate Zn vapor, resulting in the Zn steam delivered to the substrate, after about 2 to about 10 minutes, hexagonal cross-section of the nanowires can grow to 2 to 10 microns. 20 ~ 150 nm diameter nanowires naturally form a laser cavity. At room temperature for the hexagonal nanowire cross-section sample with Nd: YAG laser fourth harmonic of the laser pump (wavelength 266nm, pulse width of 3ns), the pump laser beam incident angle of 10 degrees focus on nanowires the symmetry axis.   200mW green Laser Pointer    is also popular in other developed countries.
related green laser pointer blog:
laser pointer pen

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January 11, 2012 by JoeLillarr.

Health and safety should never be sacrificed no matter what the job is actually. These should always be the first priority, that is, not simply of the workers on the job, activity or task, but also to all folks involved and the public.

A health and basic safety plan is not merely an agenda that provides a tip or even two on how to protect against an accident and how to handle it it the inescapable occurs. It is an in depth plan that includes anything there is to consider while working on a project.

Health and safety plan template is involved about creating a template that will show every detail of a health and safety plan. When developing this kind of, consider the |precision as well as the weight of the prepare. It would be the reference of everything that has something to do with health and safety. Thus, it ought to be direct, consistent and also thorough.

The template being developed when creating some sort of template for a safety and health plan should include the particular project, the people involved and those who will be held accountable for whatever might occur; Also an introduction to the plan, the setting of the plan, insurance policies to be followed, the reps involved, the need-to-know intended for workers in the web page of work, details of crash or illness program, inspection dates, appendix to the documents that will be connected and whatever else will be deemed necessary.

Our bodies of the plan must discuss the health in addition to safety programs and ways in which these will be been able.

Occupational hazard is really a factor considered inside high-risk jobs. When an individual works at a graveyard shift, or at a design site, or at the chemical plant, etc., there is almost always the occupational hazard that this law requires to be compensated for.

Health and safety strategy template - work - is a design for a plan that is certainly geared towards promoting health & safety training. It is in the direction of decreasing the possibility of mishaps and illnesses rapidly foreseen and easily expected danger at the work environment.

A template of your plan for occupational protection must be able to show that the company is concerned while using well-being of its workers and/or agencies. The wellness of such people is a vital factor to the success of a company. For one, without these staff, any business will do not operate. The workers would be the heart of an organization. They pump lifeblood in the entire procedure and a malfunction a single area is detrimental to the whole body.

One other reason why there should be a health and safety strategy template - occupational is thata company incorporates a moral and authorized obligation to keep the workers healthy and safe and that failure to do so as a result of negligence or malevolent intent is a terrain for many legal steps that would cause the organization to lose money through litigation and the company to fail or perhaps be disabled for a time frame. Thus, the template for the occupational health and safety plan should be necessarily complete to cover all acknowledged and foreseen threats in a work.

For more information about employment law training visit our website.

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January 11, 2012 by bogdanzdrojewski.

Zakłady ubezpieczeń w ciągu roku są w stanie sprawdzić co trzeciego kierowcę, który pozyskuje OC. Poniektórzy jeszcze przed zawarciem umowy wychwytują tych, jacy wymieniają lewe informacje. Minimalizuje się stan kierowców, jacy usiłują wprowadzać w błąd zakłady ubezpieczeniowe, podając przy zakupie polisy komunikacyjnej nieprawdziwe wiadomości o posiadanej zniżce za bezszkodową jazdę. Kierowcy już wiedzą, że nie warto robić w balona, gdyż i tak zostaną na tym nakryci. Spadek liczby prób ukrycia danych o stłuczkach czy wypadkach to następstwo uruchomienia w kwietniu przez Ubezpieczeniowy Fundusz Gwarancyjny (UFG) bazy danych o kierowcach, gdzie zbierane są informacje o wszystkich popełnionych przez kierujących szkodach. Wedle Aleksandry Białej, rzeczniczki UFG, aż 19 z 20 ubezpieczycieli, które pozyskały porozumienia z ufg, korzysta z bazy danych. W 2010 roku sprzedano ponad 18 milionów polis komunikacyjnego OC. To wyjawia, że w ciągu roku od uruchomienia bazy zweryfikowany został co ósmy kierowca. Aczkolwiek przedstawiciele towarzystw ubezpieczeniowych twierdzą, iż proces pozwala na prześwietlenie co czwartej osoby nabywającej OC. Towarzystwa twierdzą, że kontrolują historię szkodowości delikwentów na różnych etapach. Polisy są przeglądane również w ciągu sprzedaży ubezpieczenia, jak i w trakcie trwania. Do niedawna wymienianie niefaktycznych danych o bonusie za bezkolizyjną jazdę było jedną z największych zgryzot segmentu ubezpieczeń komunikacyjnych. Nawet co ósmy kierowca, by taniej zawrzeć polisę, zdołał dopuszczać się takiego czynu. W szeregu przypadków wykorzystywanym wyjściem było kupowanie polisy w nowym towarzystwie po uczynieniu zdarzenia. W ten sposób kierowcy, jacy wywoływali do licha i trochę wypadków, mogli mieć nadzieję na perfekcyjną, 60-proc. ulgę za bezkolizyjną jazdę. Kupujący OC komunikacyjne oznajmi, iż nie udostępni samochodu osobie młodej, żeby ustrzec się zwyżek składki. Zakład nie może go karać, jeżeli skutkiem niedotrzymania słowa dojdzie do straty. To się zmieni! W schemacie ustawy zamieniającej ustawę o ubezpieczeniach obowiązkowych winien pojawić się zapis dotyczący efektów błędnej deklaracji konsumenta. Z założeń projektu wynika, że ubezpieczyciele otrzymają prawo roszczenia dopłat do składki za OC komunikacyjne, o ile okaże się, że zełgaliśmy przy zawieraniu ubezpieczenia w kwestiach istotnych dla diagnozy ryzyka, np. co do bezkolizyjnej jazdy. To byłby koniec bezkarnego mijania się z prawdą przy zawieraniu umowy. Przy ubezpieczeniach dobrowolnych, np. AUTOCASCO komunikacyjnym, ubezpieczyciel ma prawo nawet do odmowy wypłaty zadośćuczynienia albo przynajmniej zmniejszania zadośćuczynienia o takiż procent, tak jak wynosiła uniknięta w wyniku krętactwa zwyżka. Na przykład deklarując, że autem nie będzie podróżowała młoda osoba, opłacamy mniejsze składki od 20 do 50 proc. Jeżeli będziemy jej udostępniali samochód i osoba ta sprawia zdarzenie (a nie było pilnego uzasadnienia użyczenia samochodu, jak na przykład podwiezienie do lekarza), przeważnie odszkodowanie będzie pomniejszone o 20-50 proc. Przy OC zakłady ubezpieczeń próbują karać osobników koniecznością sfinansowania wyższej składki po wypadku. Ale okazuje się, że nie ma do tego podstaw. Brak kary za łgarstwo przy zawieraniu umowy OC to kłopot dla towarzystw ubezpieczeniowych, jakie coraz w wyższym stopniu różnicują stawki ze względu na ryzyko. Pytają nie tylko o wypracowane zniżki, ale też o to, czy pojazdem będzie jeździł młody kierowca względnie czy będziemy jeździć nim za granicę. Ten ostatni komponent to nowość wprowadzona np. przez AXA, CU Direct, Liberty Direct, ze względu na powiększenie ilości szkód z OC uczynionych za granicą, po naszym wejściu do UE. Od maja 2004 r. możemy podróżować do krajów UE ze zwyczajną polisą OC, bez niezbędności kupowania Zielonej Karty. Te komponenty wpływają na ryzyko wypadku, a więc i na cenę. Sankcja będzie niehorrendalna, bo prawdopodobna wyższa składka będzie pobrana tylko jeśli kłamstwo wyjdzie na jaw, a więc w przypadku szkody. Dla delikwenta będzie to więc gra, w której jeśli nie będzie szkody, wygra niższą składkę. Jeśli dojdzie do szkody będzie musiał opłacić większą składkę.

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