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How Gaps in Coverage Affect Auto Insurance Rates

A lapse in coverage increases your risk and your rates. It may be harder to find suitable and affordable car insurance and may mean that you need to make some sacrifices in order to keep those insurance premiums at an affordable level. But it’s not a complete disaster and is far from the worst thing you can have on your record.

What is a Gap in Coverage?

A lapse or gap in coverage is a period in which you were not insured. You owned a car during this period but you didn’t meet the state minimum insurance requirements.

In some cases, a gap in coverage can be the result of negligence on your part. You may have allowed your insurance policy to lapse without purchasing a new one or it may have been canceled because you failed to meet your payment obligations.

A lapse in auto insurance coverage can also occur when you are deployed, sent to prison or because you simply didn’t drive during that period. 

If you fall into the first group, your insurer will notify the Department of Motor Vehicles (DMV), telling them that your car insurance policy has lapsed and you are no longer insured. This will expose you to fines and a host of other problems (see our guide on the penalties imposed on uninsured drivers).

As for members of the military, they can suspend their car insurance coverage when they are on active duty, thus avoiding any rate increases and other problems. The same applies to students studying abroad, although in their case, they will need to contact their DMV first.

What Happens Following a Car Insurance Lapse?

Many states require you to have continuous insurance, which means your auto insurance policy has not lapsed for any period of time. As soon as it lapses, your license and registration may be revoked, and you will need to pay a fee to have these reinstated. These fees, as they apply in each state, are listed below, but it’s worth noting that you may also be hit with additional court fees and fines if you are found to be driving without insurance:

  • Alabama: Insurance Lapse Fee = $200 (first offense); $400 (second offense)
  • Alaska: Insurance Lapse Fee = $100
  • Arizona: Insurance Lapse Fee = $50
  • Arkansas: Insurance Lapse Fee = $50
  • California: Insurance Lapse Fee = $14
  • Colorado: Insurance Lapse Fee = $40
  • Connecticut: Insurance Lapse Fee = $200
  • Delaware: Insurance Lapse Fee = $100 + $5 a day
  • D.C.: Insurance Lapse Fee = $150 + $7 a day
  • Florida: Insurance Lapse Fee = $150 (first offense); $250 (second offense); $500 (third offense)
  • Georgia: Insurance Lapse Fee = $25
  • Hawaii: Insurance Lapse Fee = $20+
  • Idaho: Insurance Lapse Fee = $85
  • Illinois: Insurance Lapse Fee = $100
  • Indiana: Insurance Lapse Fee = $150 (first offense); $225 (second offense); $300 (third offense)
  • Iowa: Insurance Lapse Fee = N/A
  • Kansas: Insurance Lapse Fee = $100 (first offense); $300 (second offense)
  • Kentucky: Insurance Lapse Fee = $40
  • Louisiana: Insurance Lapse Fee = $125 to $525 (depending on length of gap)
  • Maine: Insurance Lapse Fee = Up to $115
  • Maryland: Insurance Lapse Fee = $150 + $7 per day
  • Massachusetts: Insurance Lapse Fee = $500
  • Michigan: Insurance Lapse Fee = $75
  • Minnesota: Insurance Lapse Fee = $30
  • Mississippi: Insurance Lapse Fee = $30
  • Missouri: Insurance Lapse Fee = $20 (first offense); $200 (second offense); $400 (third offense)
  • Montana: Insurance Lapse Fee = N/A
  • Nebraska: Insurance Lapse Fee = $500
  • Nevada: Insurance Lapse Fee = $251 to $1,000 (depending on length of gap)
  • New Hampshire: Insurance Lapse Fee = N/A
  • New Jersey: Insurance Lapse Fee = $100
  • New Mexico: Insurance Lapse Fee = $30
  • New York: Insurance Lapse Fee = $8 to $12 per day
  • North Carolina: Insurance Lapse Fee = $50 (first offense); $100 (second offense); $150 (third offense)
  • North Dakota: Insurance Lapse Fee = N/A
  • Ohio: Insurance Lapse Fee = $160 (first offense); $360 (second offense); $660 (third offense)
  • Oklahoma: Insurance Lapse Fee = $400
  • Oregon: Insurance Lapse Fee = $75
  • Pennsylvania: Insurance Lapse Fee = $88
  • Rhode Island: Insurance Lapse Fee = $30 to $50
  • South Carolina: Insurance Lapse Fee = $550 + $5 per day
  • South Dakota: Insurance Lapse Fee = $78 to $228
  • Tennessee: Insurance Lapse Fee = $115
  • Texas: Insurance Lapse Fee = $100
  • Utah: Insurance Lapse Fee = $100
  • Vermont: Insurance Lapse Fee = $71
  • Virginia: Insurance Lapse Fee = $145
  • Washington: Insurance Lapse Fee = $75
  • West Virginia: Insurance Lapse Fee = $100
  • Wisconsin: Insurance Lapse Fee = $60
  • Wyoming: Insurance Lapse Fee = $50

Will My Car Insurance Rates Increase Following a Gap in Coverage?

In addition to the fines mentioned above, you can expect your auto insurance quotes to be a little higher than before, although this all depends on how long the gap in coverage was.

If it was less than 4 weeks, the rate increase may amount to a few extra dollars a month. If it was longer than 4 weeks, you could find yourself paying 20% to 50% more, depending on your chosen car insurance company. 

The exact rate of increase will depend on the state, high-risk status, driving record, car insurance discounts, and age of the driver. Insurance is all about measuring risk and probable claims, and an insurance company will look at everything from marital status to DUI convictions when measuring your risk and underwriting your new policy.

Bottom Line: Getting Cheap Car Insurance Quotes After a Lapse

In our research, we found that Progressive, Esurance, and State Farm offered lower rates than GEICO, even though GEICO typically tops the charts when it comes to insurance costs. You should also get much lower auto insurance rates with providers like USAA, providing you qualify.

To save even more, maintain a high credit score, aim for those good driver discounts, and try to secure bundling discounts, which are provided when you combine multiple different insurance products, such as homeowners insurance and car insurance.

The car you drive is also key. A new car will generally lead to much higher rates than a car that is a few years old, as it will be more expensive to repair and replace.

However, a car that is a few decades old will cost more to insurance than one that is a few years old, as it may lack the safety features and anti-theft features needed to keep rates low.

 

How Gaps in Coverage Affect Auto Insurance Rates is a post from Pocket Your Dollars.

Source: pocketyourdollars.com

Shelter Insurance Review: Car, Home, and More

Shelter Insurance is a mutual insurance company that was founded in 1946 and operates out of Columbia, Missouri. This highly-rated, award-winning insurance company offers a wealth of insurance products across the states of Colorado, Iowa, Arkansas, Kansas, Kentucky, Indiana, Illinois, Mississippi, Missouri, Nebraska, Ohio, Nevada, Oklahoma, Tennessee, and Louisiana.

In this Shelter Insurance review, we’ll look at insurance policies, coverage options, customer satisfaction, liability cover, and more, before seeing how Shelter compares to other leading insurance companies.

Shelter Car Insurance Coverage Options

Shelter is a leading auto insurance company in Missouri and other serviced states. It isn’t always the cheapest (more on that below) but it does provide a wealth of coverage options, including:

Liability Coverage

Liability coverage is the most basic, bare-bones insurance type and one that is required in most states. Liability insurance covers bodily insurance (per person and per accident) and property damage. It essentially covers you for the damage you do to another driver and their property during a car accident.

Collision Coverage

An optional form of auto insurance that covers you for damage done to your own vehicle, regardless of who was at fault. If you have collision coverage on your auto policy, you will get a payout when you hit a guardrail, wall, tree or building.

However, it’s one of the most expensive add-ons and a lot of the damage you do to your own vehicle may not be severe enough to warrant paying the deductible.

Comprehensive Coverage

With comprehensive coverage, you will be covered for many of the things that collision insurance doesn’t cover. For instance, it provides protection against vandalism and damage from extreme weather events. It also covers you in the event of an animal collision, which is surprisingly not covered by collision insurance.

Personal Injury Protection

With PIP insurance, you will be covered for some of the personal losses you incur due to an injury sustained in a car accident. For instance, if you’re hit by another driver and suffer severe injuries that cause you to miss work, PIP will pay for the money you lose. It will also cover the money needed to cover traveling for doctor and hospital appointments, as well as childcare costs.

Medical Payments

By adding medical payments cover onto your policy you will be protected against hefty medical bills resulting from a car accident. This option is required in just a few states but the coverage limits are often set very low.

Underinsured and Uninsured Motorist Coverage

Uninsured motorists are a growing problem on America’s roads. If you’re hit by one of these drivers and don’t have collision insurance, you could be left severely out of pocket. But not if you have underinsured/uninsured motorist insurance.

This coverage option will protect you against bodily injury and property damage resulting from an accident with an uninsured or underinsured driver.

Roadside Assistance

Shelter car insurance policies offer optional roadside assistance cover, which gives you up to $100 per claim and covers you for expenses accrued when you are stranded by the roadside.

Roadside assistance is an emergency service designed to help you get back on the road or to tow your car to a nearby garage. It includes everything from lost key replacement to fuel delivery and tire changes.

Rental Car Reimbursement

If your car is stolen or damaged so badly that it needs to spend several days or weeks in a repair shop, rental car reimbursement can help you to stay on the road. It will cover you for the money you spend on rental cars, which means you won’t miss a single important car journey.

Your coverage will be limited to a specific time period and you will not be covered for rentals that extend beyond this period.

Accidental Death

A form of life insurance that covers you for accidental deaths, such as car accidents. If you die in an accident, for example, your spouse or family members will receive a payout. There are many more restrictions than you get with term life insurance policies, but the premiums are also much lower.

Disability Income Coverage

PIP can cover you if you suffer serious bodily injuries and miss work as a result, but what happens if you’re forced to miss up to a year of work? That’s where Disability Income Coverage comes in. With Shelter, you will be paid a sum of money every week for up to a year.

GAP Insurance

If you bought your car on finance and wreck it soon after, the insurance payout may not be enough to cover the losses due to the interest payments and the rapid deprecation that new cars experience. With GAP insurance, you will be covered for that extra amount. As a result, this type of car insurance is often required by auto loan companies.

New Car Replacement

If you have a car that is less than a year old and has fewer than 15,000 miles on the clock, you can apply for the new car replacement program, which gives you a like-for-like replacement. This is an essential addition for anyone driving an expensive new vehicle as the losses could be catastrophic without it.

Other Shelter Insurance Options

Shelter offers multiple additional insurance options, many of which can be bought along with your car insurance, allowing you to save money with a multi-policy discount.

As with Shelter car insurance, we recommend comparing rates to other insurance companies, making sure you’re getting the best coverage for the lowest rates. There are a huge number of insurance companies in the United States offering the same coverage options found at Shelter, and many of them are cheaper:

Homeowners Insurance

A homeowners policy from Shelter will protect your property and everything in it. You can get cover for the dwelling, personal property, medical payments, personal liability, living expenses, and more.

Shelter also offers additional coverage options pertaining to electronics, sewer damage, earthquake damage, loss of farming equipment, and more.

Renters Insurance

If you rent your home, you won’t need property insurance, but you still need to protect your personal property and that’s where renter’s insurance comes. If your flat/house is burgled and you lose expensive items, including heirlooms, jewelry, artwork, and electronics, you will be covered.

Umbrella Insurance

With a minimum liability of $1 million, umbrella insurance will step in and provide cover above and beyond what you are offered elsewhere. If you have a lot of personal assets and are worried about being sued above what your liability insurance can pay, this is the policy for you.

Business Insurance

A business insurance policy from Shelter will protect your business against property loss, equipment damage, liability claims, and more. This is essential for all businesses and at Shelter you can choose a range of customization options to make sure the policy is perfectly suited to your needs.

Flood Insurance

Your home insurance policy doesn’t cover you for flood damage and this is true whether you’re with Shelter or not. However, you can add flood insurance to your Shelter insurance policy, with the rates dependent on where you live and how common floods are in your area.

Life Insurance

In addition to accidental death cover, Shelter also has term life and whole life insurance policies. These provide payouts to your loved ones in the event of your death.

Your age, activity, medical history, and health will dictate the size of your insurance premiums and your death benefit.

Shelter Car Insurance Cost

We ran some car insurance quotes and found that Shelter was consistently more expensive than providers like GEICO, Allstate, State Farm, and Progressive. In fact, when comparing quotes for young drivers, Shelter car insurance premiums were more than double those offered by GEICO and were also substantially higher than other major carriers.

In many states, including Kentucky and Louisiana, Shelter ranked as one of the most expensive providers. The rates were a little more promising in Missouri, but you’ll probably still get better offers elsewhere.

Regardless of what you think about Shelter Insurance and whether or not you have had good experiences with them in the past, we recommend getting quotes from other providers first.

Of course, it isn’t all about price, but it takes some incredibly impressive customer support and benefits for a $3,000 policy to take precedent over one that costs $1,500 or less, and we’re not convinced Shelter has that level of support or those benefits.

Bottom Line: Shelter Insurance Review

Shelter is a dedicated, capable, and financially strong insurance provider that offers extensive coverage for both drivers and homeowners. It has good reviews from policyholders, has high ratings from AM Best, JD Power and the Better Business Bureau (BBB), and there are very few complaints when compared to other providers.

Shelter serves a number of states and if you reside in one of these, it’s worth getting a quote. Just don’t forget to check other providers and don’t assume Shelter will offer the best rates. In our experience, it’s more likely to be one of the most expensive providers in your state, but you won’t know until you check.

Visit www.ShelterInsurance.com to learn more and to discuss an auto policy and/or home insurance policy with one of their representatives.

Shelter Insurance Review: Car, Home, and More is a post from Pocket Your Dollars.

Source: pocketyourdollars.com

2020 Financial Crisis Auto Loan Relief

Car manufacturers have been feeling the strain during the financial crisis. There are fewer cars on the road, workers in the factories, and consumers willing to spend, and as a result, the automobile industry has been devastated.

But manufacturers and showrooms are fighting back, finding ways to encourage consumers to buy and to make life easier for the ones that already have. In this guide, we’ll look at the ways that auto lenders are helping consumers hit by the crisis and the ways that manufacturers are encouraging more drivers to purchase.

Financial Crisis Auto Relief: Manufacturers

Automobile manufacturers saw their profits free-fall in March 2020 and that followed into April, with suggestions that the chaos will progress as the year (and the pandemic that has gripped it so fiercely) continues. They are struggling and their customers are struggling as well.

Over 700,000 Americans lost their job in March and unemployment is set to rise to levels that haven’t been seen for years. To make matters work, the country’s 9.5 million+ self-employed workers have seen their incomes half. 

As a result, many are struggling with their debts and finding it harder to meet auto loan payments. To lend a helping hand, many of the world’s biggest manufacturers have established auto loan relief programs:

Ford

Ford announced its response to the crisis towards the end of March. Known as the Built to Lend a Hand program, it offers up to 6 months payments on a brand-new Ford and applies to all models from 2019 and 2020.

As soon as consumers sign up, they will be given 3 months of payments from Ford, while an additional 3 months can be deferred as per the customer’s request. The customer can choose to defer these payments as and when they want, but they must get their auto loan through the Ford Credit program to apply.

Hyundai

South Korean manufacturer, Hyundai, was one of the first to offer an auto loan relief program. South Korea was one of the hardest-hit countries in the early stages of the virus and this led to the major automobile brand offering a relief program in the middle of March.

Known as the Assurance Job Loss Protection, this program first appeared following the 2008 recession and has been revived for the recent pandemic. 

As part of this auto loan relief program, consumers who bought or borrowed a car after March 14 can have up to 6 payments made by Hyundai. They can also request payment deferment that lasts for up to 90 days.

The Assurance Job Loss Protection program is set to run until April 30 and applies to everyone who purchases a Hyundai through eligible finance programs. It also extends to Genesis, the luxury division of Hyundai Motors that is responsible for new vehicles such as the 2020 Genesis G90.

If the pandemic continues to grow in scale and severity, the program may be prolonged, although only time will tell.

Nissan

Nissan is following in the footsteps of many major creditors and lenders by working with customers on a case by case basis. If you’re feeling the strain of the crisis, whether because you’ve lost some or all of your income or your expenses have increased, you can contact them and request some relief.

For borrowers struggling to meet monthly payments, Nissan offers deferred payments, but only if hardship can be proved. You likely won’t be offered anything just because you ask for it and must show that your financial situation is worse now than it was before the financial crisis.

The same applies to all Infiniti car owners, which is Nissan’s luxury brand.

Kia

Kia announced that all 0% APR borrowers could defer payments for up to four months. Borrowers who don’t qualify for this can still request deferment of up to 30 days on 3 different occasions.

However, as with Nissan and many other providers, borrowers need to prove that they are experiencing hardship to be offered this auto loan relief.

General Motors

GM has seen some pretty hefty losses during the financial crisis, and this is despite the fact that it began the year on a high note, making noticeable gains that were all but wiped out in the first couple weeks of March.

GM is offering a few different options to keep consumers happy and to ensure cars are still driven out of the showroom. If you already have a finance program with General Motors, and you’re experiencing hardship, you can contact GM directly, tell them what you’re going through, and get assistance.

The GM OnStar program has also been activated for all current owners. This program offers 24/7 emergency assistance and can help you get to a hospital in your time of need.

If you need a new car, you can get 0% APR for up to 84 months on most GM manufactured vehicles.

Fiat Chrysler

Fiat Chrysler is another brand that began 2020 with a bang and then quickly suffered a substantial slump. To counteract this, it has improved its online offerings, allowing all consumers to purchase a brand-new vehicle online and to benefit from improved financing offers when they do.

In addition, Fiat Chrysler is assisting current owners by making it easy for them to pay their bills.

If you have a car made by this leading manufacturer and you’re struggling to make payments, contact them directly, tell them about your financial hardship, and they may offer to help you with deferred payments and other solutions.

Financial Crisis Auto Relief: Alternative Options

Contrary to what you might think, lenders are not desperate to get their hands on your collateral. The best outcome for them is that you meet your payments and they get every penny of the vehicle’s value along with the interest.

If you default and they are forced to repossess, they need to pay for the repossession, deal with the extra paperwork and hassle, and eventually sell the car for much less than it is worth. They can still chase you for what you owe, but they know they probably won’t get it, making repossession something that lenders are keen to avoid.

When you’re struggling to make your payments, be honest with them, lay it all on the line, and find a compromise. They will probably be a lot more forgiving than you expect, especially during the crisis, when everyone is more understanding and willing to help.

Unfortunately, you don’t have many other debt relief options when it comes to auto loans, as it doesn’t make sense to do a balance transfer and debt settlement simply doesn’t work here. But if you contact your lender, they’ll help you find a solution.

You can think about returning the vehicle, as well. When you lose your job and your income, and you no longer need to drive several miles to and from work every day, what’s the point of owning a car that costs you tens of thousands of dollars and leaves you with a substantial debt?

2020 Financial Crisis Auto Loan Relief is a post from Pocket Your Dollars.

Source: pocketyourdollars.com

Alcohol And Memory Problems

Oct 31, 2018  · Research shows that heavy alcohol use can damage short- and long-term memory and affect brain structure. There may be ways to lessen alcohol’s effects on memory by reducing the amount of alcohol consumed and by using memory techniques to overcome memory loss issues.

Signs Of Chronic Alcoholism Alcohol has become their master, chronic alcoholism has become their life condition. Usually, only a major crisis can snap the alcoholic out of his/her servitude and see what they have become, and that the future, with alcohol, is a bleak place indeed.. Characteristics of End Stage Alcoholism Learn more about Alcohol Use Disorder and signs

Alcohol and the Female Brain Although these issues concern some of the most serious effects of alcohol and the brain, there is growing evidence … that people with a history of drinking problems have more than twice the risk of …

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Nov 07, 2017  · Essentially when it comes to alcohol and memory loss, blacking out is a form of amnesia, which occurs because the alcohol is altering the activity of the hippocampus in the brain. While blacking out is a temporary form of amnesia, when you abuse alcohol over the long-term it can lead to more severe memory problems.

ALCOHOL’S DAMAGING EFFECTS ON THE BRAIN. Difficulty walking, blurred vision, slurred speech, slowed reaction times, impaired memory: Clearly, alcohol affects the brain. Some of these impairments are detectable after only one or two drinks and quickly resolve when drinking stops.

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Side Affects Of Alcohol When alcohol is present in the Central Nervous System, it affects emotional and sensory function, judgment, memory and learning ability. A person’s sense of smell and taste are dulled. As alcohol level rises in the blood, one’s ability to withstand pain increases. Alcohol Detox Side Effects. One of the biggest concerns for anyone who is

You and your friends may joke about all the stuff you did last night while getting drunk that you didn’t remember. But memory problems associated with alcohol use are no laughing matter. It’s a sign of damage within the brain. Look closer at this often minimized symptom of …

In addition, long-term marijuana use may affect memory, concentration, and IQ. It may also affect important executive …

Side Affects Of Alcohol

When alcohol is present in the Central Nervous System, it affects emotional and sensory function, judgment, memory and learning ability. A person’s sense of smell and taste are dulled. As alcohol level rises in the blood, one’s ability to withstand pain increases.

Alcohol Detox Side Effects. One of the biggest concerns for anyone who is trying to stop drinking pertains to the alcohol detox side effects that are felt for those who have been heavy drinkers for a prolonged period of time and who abruptly quit. The side effects associated with no longer drinking alcohol can be both painful and quite equally difficult to cope with.

Physiological Effects Of Alcohol On The Brain Jun 18, 2010  · However, many systems in the brain are interrelated. It’s not clear if alcohol directly acts on all those receptors or if they’re a downstream result of its action elsewhere. The smoking gun would be to isolate a receptor and show that alcohol affects it. If alcohol is a depressant, it should facilitate

But no matter where you are in your relationship with alcohol, the effects of quitting drinking may surprise you … But even …

According to new scientific evidence, cannabidiol (CBD) might help people reduce the amount of alcohol they drink while …

Alcohol addiction is understood by most addiction-related organizations as a chronic disease. 15 After repeatedly using alcohol, a person may become addicted and unable to stop drinking even if they suffer severe health problems or personal losses such as unemployment, bankruptcy, breakup, divorce, removal of children from the home, arrests, or …

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Long-term effects of alcohol Binge drinking and continued alcohol use in large amounts are associated with many health problems, including: Unintentional injuries such as car crash, falls, burns, drowning

Signs Of Chronic Alcoholism Alcohol has become their master, chronic alcoholism has become their life condition. Usually, only a major crisis can snap the alcoholic out of his/her servitude and see what they have become, and that the future, with alcohol, is a bleak place indeed.. Characteristics of End Stage Alcoholism Learn more about Alcohol Use Disorder and signs

Alcohol | What Are The Health Effects? | StreamingWell.com May 24, 2019  · Long-Term Effects. Drinking too much over time can cause chronic physical and mental health issues. Heavy drinking can cause or contribute to liver damage, cardiovascular disease, and multiple types of cancer. 5,7,13 Long-term effects of excessive drinking may include: 5,11,13,16. Diminished gray matter and white matter in the brain.

This wine has 11.5% abv for alcohol which is still considered nicely on the low side of the alcohol range but not too low …

Facts About Body Systems The human digestive system is a lot “smarter” than you might think … In this week’s all-new edition of The List Show, Erin is sharing 26 amazing facts about the human body, from your philtrum (the … Physiological Effects Of Alcohol On The brain jun 18, 2010  · However, many systems in the brain are interrelated.

Yet, individuals often consume drinks with sedatives like benzodiazepines, muscle relaxers or opioids to amplify their effect …

The personalised health plan encourages people to record their weight, blood sugar, daily steps and alcohol consumption day

Signs Of Chronic Alcoholism

Alcohol has become their master, chronic alcoholism has become their life condition. Usually, only a major crisis can snap the alcoholic out of his/her servitude and see what they have become, and that the future, with alcohol, is a bleak place indeed.. Characteristics of End Stage Alcoholism

Learn more about Alcohol Use Disorder and signs and risk factors … Alcohol addiction, now known as alcohol use disorder, is a chronic disease. The pathway to substance use disorder is sometimes …

Alcoholism, also known as alcohol use disorder (AUD), is a broad term for any drinking of alcohol that results in mental or physical health problems. The disorder was previously divided into two types: alcohol abuse and alcohol dependence. In a medical context, alcoholism is said to exist when two or more of the following conditions are present: a person drinks large amounts of alcohol over a …

Alcohol use disorder: Mayo Clinic Radio What Are the Warning Signs of Alcoholism? There are various warning signs to help detect potential alcohol abuse. While many signs are recognizable, others may be more difficult to identify. Also, the severity of alcohol abuse may play a role in the warning signs a person exhibits.

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You’ve probably heard of “alcohol abuse,” "alcohol dependence,” or “alcoholism.”Maybe you know the new term doctors use, “alcohol use disorder.” warning signs. You may have an …

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It’s a chronic disease characterized by a preoccupation with … drinks for women and five or more drinks for men within a …

Nov 27, 2018  · The following are signs of chronic alcoholism: gynecomastia spider angiomata Dupuytren contractures (also may be congenital) Testicular atrophy Enlarged or shrunken liver Enlarged spleen

Facts About Body Systems

The human digestive system is a lot “smarter” than you might think … In this week’s all-new edition of The List Show, Erin is sharing 26 amazing facts about the human body, from your philtrum (the …

Physiological Effects Of Alcohol On The Brain Jun 18, 2010  · However, many systems in the brain are interrelated. It’s not clear if alcohol directly acts on all those receptors or if they’re a downstream result of its action elsewhere. The smoking gun would be to isolate a receptor and show that alcohol affects it. If alcohol is a depressant, it should facilitate

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Ways To Reduce Alcohol Use Drinking Effects On Heart Binging to Arrhythmia: Binge Drinking Effects The Effects of Binge Drinking. Many people associate health deterioration with alcoholism. binge drinking and the Heart. A … Apr 23, 2013  · Binge Drinking Harms the Heart. Many studies suggest that alcohol, in moderation, may improve blood pressure and reduce risk for heart disease. When

The nervous system is made up of the brain, the spinal cord, and nerves. One of the most important systems in your body, the nervous system is your body’s control system. It sends, receives, and processes nerve impulses throughout the body. These nerve impulses tell your muscles and organs what to do and how to respond to the environment.

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The human body is vast and intricate. A network of cells, nerves, organs, and tiny organisms work together to provide us with breath, sense, movement, thoughts, and everything that makes us who we are …

The Human Body | Facts About the Parts of the Human Body System Become an Expert about Human Body and human body systems by Reading Interesting and Important Facts about the Human Body and Each Human Body System on KidInfo.com’s Human Body Homework Help Resource Page.

Our body structures are arranged into several different systems, each with its own specific function. The smallest units in the body are CELLS, which share certain characteristics.These tiny structures are collected into TISSUES, which are themselves arranged into ORGANS.Different body systems consist of collections of cells, tissues, and organs with a common purpose.

Mar 10, 2016  · The human body is everything that makes up, well, you. The basic parts of the human body are the head, neck, torso, arms and legs. Our bodies consist of a …

The current flows through the body in two ways: through the nervous and/or cardiovascular systems and over and along the skin …

High Alcohol Drinks

Irish People Try America's Strongest Alcohol (95%, 190 Proof) High sugar intake is linked to Type 2 diabetes … were necessary and effective in reducing consumption of tobacco and …

A registered dietitian drinking a high-carb, gluten-filled liquid appetizer … My approach: Be an alcohol snob. I savor the …

For instance, people might abstain from alcohol because they are already in poor health, and most studies can’t distinguish …

Drinking Effects On Heart Binging to Arrhythmia: Binge Drinking Effects The Effects of Binge Drinking. Many people associate health deterioration with alcoholism. binge drinking and the Heart. A … Apr 23, 2013  · Binge Drinking Harms the Heart. Many studies suggest that alcohol, in moderation, may improve blood pressure and reduce risk for heart disease. When it comes to having
Ways To Reduce Alcohol Use Drinking Effects On Heart Binging to Arrhythmia: Binge Drinking Effects The Effects of Binge Drinking. Many people associate health deterioration with alcoholism. binge drinking and the Heart. A … Apr 23, 2013  · Binge Drinking Harms the Heart. Many studies suggest that alcohol, in moderation, may improve blood pressure and reduce risk for heart disease. When

Sales of non-alcoholic beer, wine and spirits are at a record high in the UK with increasing numbers of London producers …

Physiological Effects Of Alcohol On The Brain

Jun 18, 2010  · However, many systems in the brain are interrelated. It’s not clear if alcohol directly acts on all those receptors or if they’re a downstream result of its action elsewhere. The smoking gun would be to isolate a receptor and show that alcohol affects it. If alcohol is a depressant, it should facilitate GABA receptors.

ALCOHOL’S EFFECTS ON THE LIVER, THE NEUROENDOCRINE SYSTEM, AND BONE. The medical consequences of chronic alcohol abuse and dependence have been well documented in adults. They include liver disease, lung disease, compromised immune function, endocrine disorders, and …

Alcohol can be a quick and easy way to get into the spirit of a celebration. And it feels good. After two glasses of wine, the brain is activated through … the bingeing continues even after the …

Long Term Effect Of Alcohol The effects of alcohol can be influenced by a number of risk factors such as the amount consumed, individual’s medical history, tolerance to alcohol, as well as other drugs mixed with alcohol. While some people may be able to limit their drinking, others have a difficult time controlling their alcohol consumption. An international group of

Alcohol in the Brain. However, people play a game of roulette with themselves when they drink, especially when they drink heavily, because the effects of alcohol on the brain are uncertain both in the short-term and long-term. If other drugs are added to the alcohol consumption…

High Alcohol Drinks High sugar intake is linked to type 2 diabetes … were necessary and effective in reducing consumption of tobacco and … A registered dietitian drinking a high-carb, gluten-filled liquid appetizer … My approach: Be an alcohol snob. I savor the … For instance, people might abstain from alcohol because they are already in poor health,
Drinking Effects On Heart Binging to Arrhythmia: Binge Drinking Effects The Effects of Binge Drinking. Many people associate health deterioration with alcoholism. binge drinking and the Heart. A … Apr 23, 2013  · Binge Drinking Harms the Heart. Many studies suggest that alcohol, in moderation, may improve blood pressure and reduce risk for heart disease. When it comes to having
Ways To Reduce Alcohol Use Drinking Effects On Heart Binging to Arrhythmia: Binge Drinking Effects The Effects of Binge Drinking. Many people associate health deterioration with alcoholism. binge drinking and the Heart. A … Apr 23, 2013  · Binge Drinking Harms the Heart. Many studies suggest that alcohol, in moderation, may improve blood pressure and reduce risk for heart disease. When

But it also points out how serious the effects of teenage drug abuse truly are. In terms of brain development alone … who …

Your hypothalamus, a tiny control tower in your brain, decides to send out the order … Share on Pinterest Stress is a natural physical and mental reaction to life experiences. Everyone expresses …

Sep 12, 2008  · Physiological Effects of Alcohol Consumption. Alcohol intake can also lead to vitamin deficiency, which can severely damage the brain (e.g., Korsakoff’s Syndrome), resulting in memory loss, emotional disturbance, gait problems, and ataxia. Additionally, alcohol is physiologically and psychologically addictive. So,…

Alcohol | What Are The Health Effects? | StreamingWell.com This is similar to the effects of alcohol, sugar, and caffeine. The short-term effects of marijuana can be so intense, it has caused a valid concern that long-term use can cause physical changes in …

Along with many other harmful health consequences, smoking tobacco causes chemical changes, oxidative stress and inflammation in the brain. Excessive alcohol use can have similar effects. surprisingly

Ways To Reduce Alcohol Use

Drinking Effects On Heart Binging to Arrhythmia: Binge Drinking Effects The Effects of Binge Drinking. Many people associate health deterioration with alcoholism. binge drinking and the Heart. A … Apr 23, 2013  · Binge Drinking Harms the Heart. Many studies suggest that alcohol, in moderation, may improve blood pressure and reduce risk for heart disease. When it comes to having

Justin Kan just announced he’s giving up drinking alcohol: https://twitter.com/justinkan/status/1120188473263050758 and I admire people who do this. But I always see info/tips on giving up completely, …

Apr 15, 2018  · An alcohol use disorder is a specific pattern of alcohol consumption that causes problems in a person’s life. These problems could include health issues, the breakdown of relationships, or problems maintaining the responsibilities of life. Helpful Ways to Reduce Alcohol Use. Many people want to find ways to reduce alcohol use to improve their …

Mar 31, 2019  · For some drinkers, eating food will reduce their craving for alcohol. This is not true for all drinkers, but if eating something reduces your craving for a drink, making sure you eat a meal at times when you usually drink might help you reduce the amount you drink.

Long Term Effect Of Alcohol The effects of alcohol can be influenced by a number of risk factors such as the amount consumed, individual’s medical history, tolerance to alcohol, as well as other drugs mixed with alcohol. While some people may be able to limit their drinking, others have a difficult time controlling their alcohol consumption. An international group of

Alcohol Consumption: Fast Facts and How to Stay Safe (AP) — A new committee has been formed in Virginia to try to reduce alcohol and drug abuse at the state’s colleges and universities. The Virginia Higher Education Substance Use Advisory Committee … …

“[Harm reduction] basically says there are people who will use substances, students are going to drink, but you can reduce the damage,” he said. “I will be thinking about what we could do that accepts …

Preventing drug abuse and excessive alcohol use increases people’s chances of living long, healthy, and productive lives. excessive alcohol use includes binge drinking (i.e., five or more drinks during a single occasion for men, four or more drinks during a single occasion for women), underage drinking, drinking while pregnant, and alcohol impaired driving.

"Prevention of Alcohol Use in Older Teens: A Randomized Trial of an Online Family Prevention Program" reveals successful results for an on-line, family-based prevention program, Smart choices 4 teens, …

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