AUTO INSURANCE: asd What Exactly Does It Cover? Let’s be real for a minute: All of the terms, requirements, and options of auto insurance can be downright confusing. We all know that if you own a vehicle or are a driver, you must carry insurance, but do you really know what that insurance even covers? From state to state, the type of coverage you are mandated to carry varies slightly. However, most, if not all, require you to carry insurance to cover damage to others in the event of an accident in which you are either fully or partially at fault. This coverage is called liability insurance. Liability insurance covers both damage to property and injuries to other people, known as property damage and bodily injury. Bodily injury covers any injury to other drivers, passengers, or bystanders in an accident that you are deemed fully or partially responsible for. There are some other coverages that you can carry, depending on your insurance plan. You can opt to be covered for injury to yourself or another in your car resulting from an accident in
THE NIGHT THAT CHANGED FOOTBALL FOREVER How Fantasy Football Got Its Start Every year, 40 million Americans (and even entire offices) play fantasy football, "drafting" players from across the NFL for their virtual teams, and competing for money and bragging rights. Maybe you have a virtual team in the locker room as you’re reading this! But where did the concept of fantasy football start? According to the Encyclopedia Britannica, the gridiron trend began in a New York City hotel room in 1962 — a night that changed football forever. There, a group of friends led by Oakland Raiders part-owner Bill Winkenbach created the first fantasy football league. They dubbed it the Greater Oakland Professional Pigskin Prognosticators League — or GOPPPL for short. Apart from the point values assigned to different accomplishments on the field, their original model wasn’t very far off from the fantasy football of today. “The league members would ‘draft’ actual National Football League (NFL) and American Football League players to their fantasy franchises. On the basis of the actual performance of those players in games, the members would accrue points and compete against each other,” the encyclopedia reports. Early fantasy football leagues were complicated undertakings. In the days before the Internet, members had to agree to reference the box scores in a particular newspaper’s sports pages and “draft” their teams in the same room on long phone calls, or even via snail mail. CBS Sports began offering online fantasy football leagues in 1997, and today it’s even easier to play. The sport is built right into the NFL website (Fantasy.NFL. com), and you can join a free league or start a league of your own with a click! Whether you’re a former player or a superfan who wants to play coach for a day, fantasy is a great way to stake a personal claim in the sport and connect with friends while you do it. Check out the article “How to Play
Vermost Insurance now has a relationship with Chuck Chucri, who offers Financial
Planning & Investment
Fantasy Football: A Beginner's Guide” on NFL.com to learn the basics. It’s updated annually, so make sure you hunt down the 2021 version! When you start, don’t forget to salute Winkenbach, the official “Father of Fantasy Sports."
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