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Posts Tagged ‘automobile insurance’
Saturday, September 4th, 2010
There are numerous reputed auto insurance companies that you may cope with to obtain auto insurance. A few of these auto insurance companies have insurance plans of all kinds such as travel insurance plan, one trip insurance plan, scheduled and baulked travel insurance plans etc. The sheer number of insurance policies available makes one wonder which ones they have and which ones they do not. This is why some customers also believe in having all their insurance policies from one place so they really offer good business to the insurance provider and will also be rewarded with discount rates and also the best offers in exchange.
MetLife is regarded as the largest insurance agency in a country teeming with insurance firms. Generally known as Metropolitan Life, the corporation started off practically 150 years ago offering insurance plan to sailors and contains right now obtained subsidiaries in numerous other countries similar to Japan and Australia. What sets MetLife in addition to some people and causes it to be a honest insurance agency is the social obligation it’s got portrayed over its lifetime. It’s been involved with urban area development, underwriting of mortgages and contribution to war endeavours.
The provider offers life, health and auto insurance plans that are tailor created for every customer. It utilizes both online companies in addition to agents with respect to the tastes of the clients. Additionally, it provides reduced prices for company employees through its insurance plans of group employment.
American Family Insurance plan is an additional company that was around for years. Because the name itself suggests, it is often mostly associated with offering insurance plan to farmers and ranchers. Only recently, it really is attempting to diversify by signing up for other areas of insurance plan.
Allianz is probably the largest auto insurance companies who offer insurance for industry, life, health care etc. These are well recognized for their shrewd marketing and their prolonged network throughout 70 countries with 180,000 employees. The vast network and the massive employee strength provide the Allianz a reputation they need to meet.
Looking to find the best deal on auto insurance comparison quotes by state, then visit www.auto-insurance-comparison.com to find the best advice on auto insurance comparison massachusetts for you.
Tags: auto, auto insurance, automobile insurance, business, car, car insurance, cheap car insurance, family, finance, Insurance, insurance company, Money, Vehicle Insurance Posted in cheap car insurance | No Comments »
Saturday, September 4th, 2010
Auto insurance plan quotes may be complicated to read and grasp. With a small background understanding in connection with composition of your auto insurance plans, reading and evaluating quotes needs to be less difficult.
An auto insurance plan gives insurance coverage to you in two different ways. It very first shields you from paying for injury to your own vehicle, just about all pays somebody else for you if you injure an individual or damage a person’s property. Types of damage brought on to your car that may be protected consist of collision, theft, or fire damage.
The next method that insurance coverage protects you is to provide monetary protection from promises for injury or problem that you provoke others. This is named the legal responsibility section and covers property harm and bodily problem.
A third section will give you medical repayments insurance coverage for you, or perhaps the people within your car.
Ultimately, there exists a area relating to without being insured and under insured motorists which will cause a mishap along with you. It will probably pay for injuries for your requirements if the responsible driver has a minimum of insurance plan.
Each state has their very own laws relating to these sections. Some are needed and several usually are not, and there will often be minimum limits that must definitely be managed for the responsibility area of insurance coverage.
In your auto insurance plan quote, you’ll find a bit concerning injury to your car, and a dollar sum assigned to each item. When comparing auto insurance plan quotes, make certain you can find line-by-line comparisons. You will discover that there’s a dollar quantity of premium assigned each line for collision, comprehensive, towing and/or rental based on which insurance plan you’ve selected.
Because of so many discount possibilities available, its smart to ask your agent or broker whether you are eligible for any of them. Additionally, it pays to carefully compare each line of coverage between two or more auto insurance plans quotes. If one of the auto insurance plans quotes is gloomier, you might find that the insurance coverage limits are very different in addition, which may mean that you’re getting less coverage.
Looking to find the best deal on auto insurance comparison massachusetts, then visit www.auto-insurance-comparison.com to find the best advice on auto insurance comparison chart for you.
Tags: auto, auto insurance, automobile insurance, business, car, car insurance, cheap car insurance, family, finance, Insurance, insurance company, Money, Vehicle Insurance Posted in cheap car insurance | No Comments »
Saturday, September 4th, 2010
Over the years I have heard of some pretty awful defense strategies people use to try and get out of a traffic ticket. You cant blame them though. A lot of these individuals were simply relying on so called insider information they heard from a friend.
In this article we will go over the 5 most common mistakes used by people when trying to fight their traffic ticket. Use these as a guide of what not to do.
Mistake #1- Delaying the traffic court date
The rationale for this, some say, is that the longer you can delay traffic court for your traffic ticket, the likelier the chance the police officer won’t show up at your court date.
Delaying the court date will not improve your chance of having your traffic ticket dismissed.
The question I’ve always had was if you do put off your court date, what do you do when he still shows up?
Then what? Police officers get paid overtime to show up to traffic court.
Mistake #2- Requesting evidence before traffic court.
By law you do have a legal right to see everything the prosecution plans to convict you with. This process is called ‘discovery’ and can be useful in a murder trial. But this isn’t a murder trial and doing so can actually hurt your case.
When you make a motion for discovery and request evidence before your trial, this sends red flags to the prosecution that you are planning a good defense. He’ll take it as a challenge and will prepare his case so efficiently that it becomes almost impossible to win.
Do yourself a favor and don’t even contact the court about anything related to your traffic ticket. You don’t want them to know your familiar with the proceedings of traffic court.
Mistake #3- Doing too much needless research.
There is no need to spend any time reading boring law books. Its pointless.
Only rarely would it be prudent to look up a law so you know how it may be worded, other than that it is needless to do this with most traffic tickets.
Mistake #4- Attacking the officer’s credibility
If you go to traffic court with the idea you are going to attack the officers credibility, don’t waste your time. You can forget getting your traffic ticket dismissed. Saying the officer didn’t use the equipment properly, or that he singled you out or any number of other excuses are useless.
Don’t ever go into traffic court with the idea you are going to challenge the police officers training on the use of the radar gun. This will only draw scrutiny from the judge, who will accept the officers testimony that he is properly trained on the use of the equipment.
The officer will NOT have to prove his training qualifications in the courtroom. Let’s face it, the officer has been properly trained and knows how to work the radar/laser gun. No question about it. If you try and go this route you will be disappointed when the judge asks you to provide evidence supporting your claim.
Mistake #5- Showing up to traffic court unprepared.
Probably the mistake most people make is thinking they did a good job doing their homework prior to their day in traffic court, and actually didn’t have a clue as to what they were doing to get prepared. So they lose their case and end up being convicted of the traffic ticket.
And then there are those who don’t do any research and think that they can tell there side of the story and the judge will have pity on them. Yeah right!
Look, I know the thought of going to traffic court can be a little scary for some, but this isn’t a murder trial. It’s just a simple traffic ticket. Traffic court is set up to be extremely ‘user friendly’ due to the large amounts of people who go there every day.
If you avoid these 5 mistakes you will have a better chance of claiming your victory in traffic court, and hopefully getting that traffic ticket thrown out.
Learn more about traffic tickets and hoe to fight them. Stop by Steven Swihart’s site where you can find out all about traffic violations and how to protect yourself against them.
Tags: automobile insurance, cheap car insurance, driving, family, law, law enforcement, speeding tickets Posted in cheap car insurance | No Comments »
Saturday, September 4th, 2010
There are two broad categories of traffic tickets. Knowing which you have is important when determining what to do in your situation.
A lot of times when you have a minor violation and it wont result in any points on your license its best to go ahead and pay it and avoid trying to challenge it in traffic court.
Traffic violations come under two main headings. They can either be moving violations or non moving violations. They usually involve smaller fines and can be something as simple as a parking or headlight ticket.
These can be a nuisance but at least they wont go on your driving history or be reported to your auto insurance.
Non moving violations can be things such as not wearing your seatbelt, a broken headlight or improperly parking your vehicle.
These types of violations are usually better dealt with by just paying the fine. Taking the matter to court is more of a hassle on your part because the fine being imposed is normally not more than $50. The amount of time, energy and cost involved in contesting the charged violation is not worth it. Besides, these types of tickets are very hard to beat in court. I mean, either you parked illegally or you didn’t.
However if the ticket can cleared easily you should certainly try. For example a ticket for a non working tail light can be dismissed if you show proof you fixed it in most cases.
A moving violation on the other hand, is any violation of the law, committed by the driver of a vehicle, while it is in motion. The term “motion” distinguishes it from ‘non-moving’ violations. While parking tickets are charged against a vehicle (which will be towed if violations go unpaid or are frequent), moving violations are charged against the person driving. Moving violations are usually classified as infractions or misdemeanors, but serious violations can be considered felonies.
In most places, moving violations involve fines which must be paid as well as punitive points assessed to the license of the driver. As a driver accumulates points, he or she may be required to attend defensive driving lessons, re-take his or her driving test or even surrender his or her license.
You may think we have it bad in the US, and we do, because traffic fines can go all the way up to $500 and more. But in some countries around the world, traffic can be set according to an individuals income, and in some rare cases be more than $100,000!
More common moving violations can include speeding (THE most common), failure to secure a load, failure to yield right of way, violating high occupancy vehicle lanes, or not stopping for a pedestrian.
Some examples of serious moving violations are drunk driving, racing on a public road, road rage and vehicular homicide.
Also, traffic violations can either be criminal or civil. They both come with fines and points on your record, but a criminal violation is the only one that can get you jail time.
Sentences imposed in criminal cases are obligations owed to the state for violation of their laws. The term state can be applied to cities, towns, state or federal governments or any other kind of municipality. Obviously these are the moving violations you need to avoid at all costs.
Want to find out more about moving violations? Then visit Steven Swihart’s site on how to choose the best traffic defense for your individual needs.
Tags: automobile insurance, cheap car insurance, driving, family, law, law enforcement, speeding tickets Posted in cheap car insurance | No Comments »
Wednesday, September 1st, 2010
Conventional speed enforcement has its limitations. You can only pull over one vehicle at a time. This method is unproductive, slow and expensive from the government’s point of view.
With the rapid development of technology, clever ways have been developed to make the process speedier.
So the government in its great ‘wisdom’ decided it wasn’t collecting enough money with the old system.
There are just too many factors: First, they have to hire the cop to pull you over. This also means the use of a police vehicle which also costs money. Next, the traffic stop itself is a dangerous situation for the officer and potentially other drivers or pedestrians. Third, after it’s all said and done, the driver may still end up driving away without a ticket (if the officer decides to just give a warning).
And last, in the time it took the officer to pull you over and write a ticket, many more people go speeding by, so there was money lost from not pulling them over!
Now, introducing the photo radar. It is the latest tactic on the governments part to make money. Oh, in the name of safety of course. In just a few minutes a photo radar can catch many cars speeding on a single road.
With photo radar also known as traffic cameras, speeding tickets are simply mailed to the offender. Talk about customer service!
Since it was deployed photo radar has increased revenue for municipalities that employ it, maximized enforcement resources for other duties, and increased conviction rates in traffic court. Also drivers insurance rates went up.
Currently only 20 states or so use the photo radar for speeding detection, but it is on the rise.
However, the popularity of photo radar is growing by leaps and bounds.
More and more cities across the nation are beginning to catch on to the money making potential that photo radar has. Its relative simplicity and monetary benefits makes photo radar a good choice for many cities.
In areas that are financially strapped, photo radar gives them an immediate answer to their money misery.
Think about it: Within minutes, photo radar can clock dozens of speeding vehicles — something that would have taken about 10 real cops to accomplish with traditional speed enforcement!
How does a photo radar work you may ask? Think of it as a radar gun and a high quality camera rolled up into one. It gets programmed to take a photo of your license plate at a certain speed.
For instance say the speed limit of a particular road is set at 45 mph, the photo radar can be set to activate if it detects a speed over 50 mph.
So when the photo radar unit detects a car passing it at a speed over the predetermined speed it will take a picture of your plate. This picture is stored and the process keeps going on 24/7. Courtesy of big brother, bundreds of drivers can be ticketed this way.
On the following day the photo radar pictures will be accessed and gone through by several people.
What the examiners are looking for is the clarity of the picture and if the plate number can be read.
Once the legible pictures from the photo radar have been determined and the license plate numbers ran through the bureau of motor vehicles database, if the car is registered to say, a female, and there is a female driving the vehicle, BINGO, a speeding ticket will be on its way to the registered owners address.
This process is repeated with the next picture and so on until all available photos have been examined. Photo radar enforcement is on the rise, hopefully this article will give you a heads up about it.
Want to find out more about getting your speeding ticket dismissed? Then visit Steven Swihart’s site for the best advice on any kind of traffic violation.
Tags: affordable car insurance, automobile insurance, driving, family, law, law enforcement, speeding tickets Posted in affordable car insurance | No Comments »
Wednesday, September 1st, 2010
Over 100,000 people a day receive a speeding ticket in this country. That’s over 36,500,000 speeding tickets per year.
One in every 6 drivers will get a speeding ticket this year.
An average speeding ticket will cost you $150.
Almost 5 and one half BILLION dollars a year are generated just from speeding fines. $150 x 36,500,000= $5,475,000,000!
The average raise in insurance costs for one speeding ticket over the course of 3 years is $900.00.
Multiply 900 by 36,500,000 and you get $3,285,000,000 (3.28 BILLION dollars) in extra insurance money the insurance industry makes in a single year just from speeding tickets.
Most people simply pay their speeding tickets instead of fighting it in traffic court. (over 95%!)
Of the 5% of people who do go to traffic court to contest their ticket, a large percentage will either have the charge reduced or the ticket dropped altogether.
There are 196,000,000 licensed drivers in America today.
Immediate grounds for dismissal of a traffic ticket is the officer not showing up to traffic court. This happens 40% of the time.
In 1987 Paradise Valley AZ became the first place to use photo radar.
Brooklyn, Ohio became the first city to mandate seat belts while driving back in 1966.
The demographic that receives more speeding tickets are the 17 to 24 year drivers.
More males than females receive speeding citations.
More women than men fight their speeding tickets in traffic court.
The age of drivers responsible for the most traffic accidents is 17.
In July 1879, two men are fined for speeding horses in Seattle.
Henry Ford’s first automobile in 1894 only went in one direction, forward.
Traffic lights were used before the advent of the motorcar. In 1868, a lantern with red and green signals was used at a London intersection to control the flow of horse buggies and pedestrians.
Since 1999, Washington, D.C. cameras have issued 2,421,841 tickets worth $182 million.
The wife of the Prime Minister of Canada has the first known filed speeding ticket on record. She was busted doing almost a tremendous 10 mph above the posted speed limit.
Doctors receive the most speeding tickets than any other profession.
The average traffic cop will cost a city about $75,000 per year in salary, bonuses, and benefits. This same police officer will make the city an average of $200,000 per year in traffic ticket fines! That’s one hell of a profit margin.
The top 10 states for giving out speeding tickets are:
1. Ohio 2. Pennsylvania 3. New York 4. California 5. Texas 6. Georgia 7. Virginia 8. North Carolina 9. Massachusetts 10. Connecticut
Want to learn about fighting speeding tickets? Then visit Steven Swihart’s site for more information on beating traffic tickets in traffic court.
Tags: automobile insurance, cheap car insurance, driving, family, law, law enforcement, speeding tickets Posted in cheap car insurance | No Comments »
Wednesday, September 1st, 2010
High risk drivers are deemed to pose more of a threat out on the roads by insurance companies. As a knock on effect of this the insurance company will always charge them higher rates that they premiums. Typically those who have a bad driving record and young drivers are deemed to be high risk and as such the price of insurance for these people is usually a lot higher than average. However, it is possible to get more affordable high risk auto insurance is certain steps are taken in the right direction.
Certainly, the rates that you have to pay will vary between different providers and therefore it is a good idea to spend some time shopping around. Try to focus your attention specifically on insurance providers that cater to high risk drivers and gather a number of quotes to compare. By gathering several quotes you would give yourself a good opportunity of finding something more affordable.
Who is considered a high risk driver? The drivers who have recently purchased a car after making a driving license should complete first time driver auto insurance, which is quite pricey due to a driver’s lack of driving experience. This inexperience makes the driver a high risk one to insure comparing to experienced. This is especially true for teens who are driving their first car. Auto insurance for people under 18 years is also characterized by some restrictions. Some insurers view 70 years old or older citizens as “high-risk”, but that is often not fair, you can be just an experienced driver who merits a low-cost auto insurance plan.
As a rule high-risk drivers are capable of dangerous driving and violations. The Motor Vehicles Register of your state will inform you if your driving license is suspended or you are revoked of it or you need a SR-22 policy to reinstate it. You should gather all the necessary documents in order to get a ticket to drive your car – but you can make this process easier if use on-line auto insurance consultations. Insurance carriers include driving under the influence (DUI) in a list of gross violations, what may branch serious consequences such as variations in your insurance coverage and costs.
Of course, improving your driving record is going to be a good step to take if this is why you are considered high risk. If you have a number of different infractions on your license these are going to clear over time and therefore it is important that you do not get any further tickets during this period. Practice safety driving skills and consider going on a safety course. Often this will help you to reduce your premiums if you could find an affiliated insurance company.
Look for different discounts that can apply. Make sure that you phone up different companies and ask about different discounts that you can get from them. The most common discount that you may find will be that which enables you to bundle together your car insurance with your home insurance policy. Putting these policies together will help you to cut down on the cost of both of them.
It is also important for you to try to find discounts elsewhere. For example, if you need to get insurance for a number of different vehicles then try to find a multi-car policy. If you haven’t yet done so always make sure you qualify for safe driver discounts. These are very simple to get and all you need to do is make sure your vehicle has the necessary safety and anti-theft devices installed.
Of course, your credit rating, as mentioned, can play a part as well. If you have poor credit then it is prudent to take steps in order to improve on your payment history. This should always help you to improve your premiums.
Of course, you should also look at the deductible on your policy as well. It is no good having a extremely low deductible if this is leading to higher premiums. Try to raise your deductible up a fair bit higher, but always make sure it is possible to cover the cost of it.
One final tip would be to pay for your entire policy up front. This will help you to avoid costs adding up every month.
For deeper insight into teen automobile insurance along with other information on cheap dui car insurance, check out Automobile Insurance Guide.
Tags: auto insurance, automobile insurance, car, car insurance, cheap car insurance, Insurance, personal finance Posted in cheap car insurance | No Comments »
Tuesday, August 31st, 2010
What you should know regarding Georgia state SR22 insurance requirements is that such insurance is the same as most other states with one exception. Such insurance is very costly. Additionally, the requirements mandate that evidence of your insurance is sent from your insurance company to the state of Georgia.
In Georgia, it is illegal to drive without liability insurance. It is also illegal to allow someone else to drive your vehicle if it is not insured. If you are caught without insurance, a court may order you to buy SR22 insurance. If you have a DUI (even if it is the first time), have multiple unpaid tickets, moving violations or driving with a suspended license, you risk will probably need to buy and maintain SR22 insurance.
The insurance must be kept for a period of no less than three years and can be ordered for longer. It must be kept current. If it lapses, is canceled or terminated, your license can be suspended or revoked. The time that this particular insurance must be kept is restarted once the insurance is reactivated. Even if you only have six months left on the original three years, you will restart for another the three years.
Repeat offenders may lose their privilege to drive altogether. What makes Georgia one of the more strict states is SR22 insurance. If you were to continue to drive without the ordered SR22 insurance, then a new order is put in place. SR22 insurance is the same insurance but the initial six months must be paid up front, no monthly payments allowed. This is expensive
A court may order you to maintain this insurance without regard to whether you have a car or not. Yes, even if you do not own a vehicle, the court will require such insurance. In this case, you need to ask your insurer for a non owner policy. The only time a bad driver can list a non owned car, is if such driver’s spouse owns a car.
Since it is illegal to drive in Georgia without insurance, the state needed a way to follow the insurance status for all the drivers in the state. Because the state can not do such tasks, they placed such burden on you and your insurer. They also shift such cost to you. When one of an insurer’s clients has a policy that has lapsed, canceled or been terminated and the insurance is no longer current on their policy, the insurer notifies the state. This is what makes the SR22 insurance different from normal insurance. There will be requirements for minimum insurance coverage as well.
You must advise your insurer that such requirements are now needed. However, your insurer may not offer such insurance. Because of such requirement, you are a big risk to them. If they do insure you, then you can bet that you will pay a lot more for insurance. The added need to document your status accounts for increased rates as well.
Knowing Georgia SR22 insurance requirements will keep you from making a far more costly mistake. Losing driving privileges means not getting to work. Be sure the insurance is active for your entire ordered term. Keep the state updated regarding your address and get the new insurance prior to when the allotted time expires. Most importantly do not become a repeat offender.
Did you know that Georgia SR22 insurance requirements are the same as most states? Get more information now in our super sr22 online summary.
Tags: automobile insurance, car insurance, cheap car insurance, sr 22, sr 22 car insurance, SR 22 insurance, sr22, sr22 car insurance, sr22 insurance, Vehicle Insurance Posted in cheap car insurance | No Comments »
Monday, August 30th, 2010
Here are a few other beneficial ideas to help you receive the best auto insurance plans quote and pay lowered premium charges:
1. Decide your Requirements: Figure out the correct kind of insurance plan for your vehicle, for instance whether you’re looking for a wide insurance policy, or perhaps a simple fire and theft, and third party insurance plans. A wide insurance plan will appeal to greater monthly premiums, when compared with an easy insurance plan.
2. Investigation and purchase Over the internet: Investigating is very important actually if you are renewing your insurance coverage. Seek advice from different insurance companies and examine their quotes before staying in one. This can be achieved conveniently online, on auto insurance plans websites that also provide tips, suggestions and advice on vehicle insurance plan. Apart from, insurance providers also provide discount rates (at least 10%) for getting insurance plan on the internet.
3. Raise your deductible: Deductibles is the quantity which a customer must pay prior to the insurance provider gets attached to claims. Higher the tax deductible, lesser is going to be your premium costs. To make certain your vehicle safety as well as appeal to smaller premiums, use alarms and immobilizers; and park your vehicle in a garage or driveway as opposed to on the highway. You may also save on premium by developing annual, rather than monthly premium payments.
4. Lower Mileage: Vehicles with lesser mileage typically attract lower insurance charges, in comparison to individuals with higher mileage. So, correct computation of mileage is essential for having the best vehicle insurance plans quotes.
5. No Claims Discounts: Select insurance policies offering increasing discounts for each year that passes with no claim. Greater the discount, lesser is going to be your premium. There are companies that provide fixed discounts annually, irrespective of whether you make a claim.
You may also insure your vehicle at cheaper premium if you go searching for limited distance driving or pleasure driving throughout the insured period.
To obtain the best auto insurance plans quote, you can visit vehicle insurance plan portals like autoinsurancequote. The company was providing competitive insurance plan quotes that provide comprehensive insurance plan at the most beneficial prices.
Learn more about affordable auto insurance quote. Stop by our site where you can find out all about auto insurance estimate and what it can do for you.
Tags: auto, auto insurance, automobile insurance, business, car, car insurance, cheap car insurance, family, finance, Insurance, insurance company, Money, Vehicle Insurance Posted in cheap car insurance | No Comments »
Monday, August 30th, 2010
The goal of this calculator is always to help the serious person, i.e. you, estimate the premium that you’ll need to pay for the insurance policy. The insurance policy calculator will determine the premium to suit your needs depending on the info that you’re going to provide. Listed below are some things that an insurance coverage premium calculator will be needing from you finding out.
1. Date of registration: The car insurance plans calculator will ask for the day of registration for your car. You’ll find this info in your RC (Registration Copy).
2. Car info: The insurance coverage premium calculator may also need information for example the manufacturer and the sort of type of the car. Additionally, you can even need to provide the total price of your vehiclein the event the amount listed with the websiteis dissimilar from yours.
3. Insurance plan start date: This will be relevant for the records of the auto insurance calculator since the sum determined is founded on an annual rate.
4. Extra insurance plan details: With a few insurance firms, you may also consist of additional bonuses according to your particular requirements. These additional conditions in the insurance coverage would run you extra money but could be really useful according to the needs you have. A number of the more clauses obtainable include extra fuel kits, co passenger insurance plans, price of accessories etc. It must also be observed that installation of theft prevention tools in your vehicle are recommended before buying insurance coverage.
A car insurance calculator is definitely an insurance provider’s effort to produce things simpler for their potential clients. These calculators not only decide easier for you but tend to also help you plan the long-term advantages of getting an insurance plan. Additionally, you should use these calculators to try various options and then save every one of them for future references as well.
Want to find out more about low cost automobile insurance, then visit our site on how to choose the best auto insurance discounters for your needs.
Tags: auto, auto insurance, automobile insurance, business, car, car insurance, cheap car insurance, family, finance, Insurance, insurance company, Money, Vehicle Insurance Posted in cheap car insurance | No Comments »
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