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Why You Might Need Mechanical Breakdown Insurance for Your Car

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Most of us rely on our cars in our daily lives. Nearly three-fourths of Americans use a car to get to work, and nearly 90% of us use our cars to buy groceries. Cars are really expensive these days—even used ones—but we simply cannot live without them.

This means that if your car breaks down it’s more than just an inconvenience for a lot of people—it’s a crisis. A car in the shop means a huge repair bill—and if you can’t afford to get the car fixed, it has an impact on every aspect of your life, from your ability to earn a living to your ability to keep the pantry stocked or access other vital services. If the idea of a car breakdown gives you extreme anxiety, you should consider mechanical breakdown insurance (MBI).

What is MBI?

Your standard auto insurance policy doesn’t cover any sort of mechanical breakdown. Mechanical breakdown insurance covers the primary mechanical systems of your vehicle—the engine, the transmission, the drivetrain, brakes, and electrical system. Policies differ, so you might find MBI that covers more than these basics, or that includes exceptions. Most MBI policies won’t cover maintenance like tuneups, fluid changes, new tires, or specific parts like brake shoes that wear out and need replacement. Again, specific policies will list different exclusions. Typically, MBI is added to your existing insurance policy as an endorsement, but you can purchase it as a standalone policy as well.

Costs

Mechanical breakdown insurance is typically less expensive than an extended warranty on a newer car; most policies run between $30 and $100 annually—extended vehicle warranties can run into the thousands. Like all insurance, MBI comes with a deductible, usually around $250. Considering that the average repair bill on a car is about $550 (and something like a fuel pump replacement can easily exceed $1,000), that’s a pretty good deal, and becomes an even better deal if you don’t have any warranty options on your car at all.

Eligibility

Most MBI policies are offered on newer cars—typically less than 15 months old, with fewer than 15,000 miles. Once you have the coverage, however, you usually have the option to maintain it for a period of time—seven years, typically, or up to 100,000 miles on the odometer. These numbers vary between insurers, however, so you’ll need to check with individual insurers to get specifics.

If you have an older car or a used car, you can still buy MBI. Good Sam offers a standalone MBI policy for cars that are 10 years old or newer with fewer than 100,000 miles, for example, and Mercury Insurance offers MBI for cars seven years old or newer with 100,000 miles or fewer. One thing to keep in mind is that many MBI policies specify that coverage ends once your car hits a certain age or a specific number of miles. For example, if you buy a policy for a car that has 90,000 miles and it states that coverage ends at 100,000 miles, the moment your odometer rolls over to 100,000 your car is no longer covered.

Finally, unlike other car insurance policies, no personal information like your driving record is taken into account. The details of the policy are determined solely by the age and condition of your car.

Is MBI worth it?

So, is mechanical breakdown insurance worth it? If your car has an active warranty from a dealer, probably not. You’ll want to read your warranty details carefully to make sure it covers everything that MBI would cover, but if it’s in force and you’ve already paid for it (or its cost is rolled into your monthly payments) MBI probably isn’t necessary.

If your standard warranty is expired, however, MBI is a good idea. It’s generally cheaper than an extended warranty, and can save you a lot of money if your car suddenly breaks down. Considering the financial impact of a car breakdown is enhanced by missed work (and missed paychecks), being able to immediately get your car repaired as opposed to having to cobble together the money can be a huge relief.





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France travel disruption expected to last for days

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French rail company SNCF has warned that disruption from Friday’s sabotage against the country’s train network could last until the end of the weekend and affect hundreds of thousands more passengers.

Coordinated arson attacks on three lines of the high-speed TGV network on Friday caused chaos for travellers, hours before the opening ceremony for the Paris Olympics. A fourth attack was thwarted by rail workers.

Prime Minister Gabriel Attal described the attacks as “acts of sabotage”.

About a quarter of international Eurostar trains were also cancelled, with UK Prime Minister Keir Starmer among those affected.

In a statement issued on Friday evening, SNCF said traffic “would improve” on affected lines on Saturday thanks to the work of thousands of rail workers.

It said:

  • On the eastern line, trains would run normally from 06:00 (05:00 BST) on Saturday
  • On the northern line, 80% of trains would be running, with delays of 1-2 hours
  • On the south-western line, 60% of trains would be running, with delays of 1-2 hours

The company added that customers whose trains are delayed or cancelled will be contacted by email or text message.

Eurostar said it expected about a fifth of services over the weekend would be cancelled, while all trains would face delays of around 1.5 hours. Eurostar services use the northern high-speed line.

SNCF said surveillance of the rail network had been strengthened “on land and in the air,” using 1,000 workers and 50 drones.

Junior Transport Minister Patrice Vergriete said around 250,000 people had been affected on Friday, while up to 800,000 could face delays and cancellations by Monday.

He added that disrupting holiday travel, rather than Friday’s Olympic opening ceremony, was the most likely aim of the saboteurs.

“There is not necessarily a link” with the Olympics, he said in an interview.

Friday 26 July traditionally marks the start of the grand départ (big getaway) for many French holidaymakers heading out of the cities.

No group has yet claimed that it was behind the attacks. A source linked to the investigation told the AFP news agency that the operation was “well prepared” and organised by “a single structure”.

Mr Attal said security forces were searching for those responsible.

At around 04:00 on Friday, saboteurs cut and set on fire specialised fibre optic cables essential for the safe functioning of the rail network, government officials said.

One site was at Courtalain, 150km (93 miles) south-west of Paris. A picture posted online purportedly showed burnt-out cables in a shallow gulley with its protective SNCF paving stones discarded.

The SNCF spoke of a “massive, large-scale attack aimed at paralysing” its services, not just at Courtalain but at Pagny-sur-Moselle, a village outside the eastern city of Metz and Croisilles, not far from the northern city of Arras.

Another attempted attack in Vergigny, south-east of Paris, was foiled by SNCF workers who were carrying out maintenance on site in the early hours of Friday.

Prosecutors have opened an investigation into attacks on “the fundamental interests of the nation”.



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‘Firenado’ spotted above explosive Park fire near Chico

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As the state’s largest wildfire of the year was doubling in size Thursday evening, explosive flames spun up into the atmosphere, swirling in a way that can only be described as tornado-like — a real life example of the firenado phenomenon.

Video of the massive fire whirl was captured by AlertCalifornia wildfire cameras, displaying the extreme fire behavior that is driving the massive and fast-moving Park fire across Butte and Tahoma counties.

The blaze has grown past 178,000 acres as of Friday afternoon, forcing thousands of evacuations and burning more than 100 buildings. Officials say the fire started Wednesday in Chico due to an act of arson.

“At this point, the fire is kind of creating its own weather, and that can be pretty unpredictable,” said Courtney Carpenter, a meteorologist with the National Weather Service in Sacramento. “Really big, explosive wildfires can create thunderstorms. They can make whirling fire plumes that can mimic tornadoes.”

Meteorologists tracked those massive, rotating smoke plumes on the radar Thursday night, Carpenter said, a characteristic of “explosive fire growth.”

She said the wildfire also generated thunderstorm clouds, but didn’t quite trigger lightning, which some particularly unstable fires have created before.

Watching the fire produce massive smoke rotations — and maybe even several vorteces — showed off the blaze’s rare and powerful nature, said Daniel Swain, a climate scientist at UCLA, on his YouTube channel. He said the Park fire had “super-cell thunderstorm-like characteristics.”

There is growing recognition that extreme wildfires can produce other dangerous phenomena that are not directly related to the flames alone, Swain said.

It’s not unusual to see fires modify their environment by causing localized wind currents, but large fires such as the Park fire can even start to “generate their own Mesoscale weather systems that look a lot like severe thunderstorms,” he said.

He added that new research is also finding that climate change is increasing the magnitude and frequency of such behavior, as well as bringing it to new regions.

“There is evidence that these large and potentially dangerous pyro-cumulonimbus events are increasing in a warming climate as fire intensity increases,” he said.

Carpenter said the weather service doesn’t issue tornado warnings when fire whirls develop because residents in the area should already be evacuated. More than 4,000 people have been issued evacuation orders from communities in and around northeast Chico and in parts of southern Tehama County.

“We urge people to follow the local orders from local officials,” Carpenter said. “Keep an eye on things and be ready to go if you live in the vicinity of the fire.”



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Donald Trump Seen in Public Without Ear Bandage

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Donald Trump ditched his ear bandage for his meeting with Israeli Prime Minister Benjamin Netanyahu on Friday. The former president’s right ear returned to public life after being injured during the assassination attempt on the former president on July 13.

The former president’s large bandage became an impromptu fashion statement during the Republican National Convention with some attendees donning DIY wound dressings. Following the convention, Trump swapped out his bulky white gauze for a thin nude bandage.

Photos from Trump’s sit down with Netanyahu appear to show the former president’s ear intact without major scabbing or scarring. In one image, the former president points out the site of injury to the Israeli prime minister.

According to former White House physician Ronny Jackson, a bullet took the top of Trump’s ear off. On Wednesday, however, FBI Director Christopher Wray said that investigators did not know if the former president was grazed by a bullet or shrapnel during the shooting.

Jackson slammed the FBI Director in a letter posted on Truth Social in which he doubled down on his claim that Trump was struck by a bullet and said Wray was “wrong and inappropriate to suggest anything else.”

The former president’s campaign spokesperson also responded to Wray’s comments, calling his sworn testimony “conspiracy bullshit.”

Read more at The Daily Beast.

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