25/12/2009
In this lawsuit, brought on behalf of Kevin Murray, an Iraq War veteran and taxpayer, my co-counsel, Robert Muise of the Thomas More Law Center, and I have challenged the U.S. government's takeover of AIG as a violation of the Establishment Clause of the First Amendment because the taxpayer bailout has the effect of promoting and advancing AIG's Shariah-adherent insurance business — the largest in the world. AIG promotes itself as a global advocate not only of Islam, but also of the Islamic legal doctrine known as Shariah — which is the Islamic legal doctrine and program that calls for a global hegemony referred to as the Caliphate, the murder of apostates, and jihad against infidels. The most austere and important Islamic legal authorities who legitimize Shariah-compliant finance, like AIG's takaful insurance products, are the same ones issuing fatwas for jihad against the West.
But the Fed and the FRBNY wanted
more than a debt deal; they wanted absolute control over AIG and needed to come
up with a way to take almost 80% of AIG’s equity and voting rights. So they
decided to use $40 BN of the Credit Facility as “Placeholder” funds to
accomplish through the artifice of the AIG Trust what they could not do legally.
. . HOW THE U.S. GOVERNMENT TOOK OVER AIG–SUPPORTING AND FUNDING ITS
SHARIAH-C0MPLIANT INSURANCE BUSINESS–THROUGH WHAT IS ARGUABLY AN ILLEGAL
ARTIFICE While it made no sense to “fix” AIG’s debt-driven crisis by giving it
$85 BN of more debt, the Credit Facility up to this part of the structure was
typical and made at least structural sense. A second problem with the Trust: Q:
Was it proper for the FRBNY to name a bank account—the U.S. Treasury—as a
beneficiary when it cannot own anything? A: No; the Trust is invalid on its
face! Geithner, FRBNY, Fed, and Treasury Dept: “The FRBNY created a truly
independent Trust with non-governmental Trustees to take legal title to 77.9% of
AIG’s shares to avoid illegalities and any conflicts-of-interest.” And that is
why the Treasury Department’s deponent testified that the real beneficiary is
the Treasury Department and why everyone agrees that the ultimate beneficiary is
the U.S. tax payer. But how is the Trust and its Trustees “independent” of the
U.S. Government when § 1.03 of the Trust Agreement gives the Fed absolute and
unfettered control over the Trust’s existence and its terms??? § 13(3) Fed. Res.
Act AIG $$$ SCF 1 SCF 2 SCF 3 SCF 4 Credit Rating Agencies Debt-driven credit
rating downgrade FED Federal Reserve Bank of New York (President Geithner) $85
BN Debt Credit Facility Collateral: ≈100% of AIG Assets via Stock Pledges/Liens
Transfer of Legal Interest in 77.9% of AIG Equity + Voting U.S. Treasury U.S.
Department of the Treasury (Sec. Geithner) (Rule 30(b)(6) Deponent) And this
leaves the final tranche of the disguised “Placeholder” structure where the “US.
Tax Payer”, at the hands of the Treasury Dept., sends $40 BN to the FRBNY as a
credit to AIG, which is in reality “payment” for the 77.9% of AIG received
through the Credit Facility and Trust structure. AIG in crisis runs to Geithner
at FRBNY Geithner runs to the FED The FED calls upon the “unusual and exigent
circumstances” of FRA to permit non-member bank AIG to borrow FED funds from
FRBNY
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10/08/2007Assurance 
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25/12/2006 Assurance
A bientôt
19/08/2005 : The big company
Royal Dutch Shell, the oil and gas company, is selling a number of assets, including its European liquid petroleum gas businesses, to fund a £28 billion ($42 billion) capital spending program, The Financial Times reported, citing people involved in the proposed deals.
The Anglo-Dutch giant has said it is looking to divest 15 percent of its global refining capacity as the European oil industry battles a drop in demand for oil products and 15 year-low margins, Reuters noted.
According to The Financial Times, the oil company plans to raise between $2 billion and $3 billion by auctioning off assets that did not contribute to its growth plans, including refining and marketing operations in Europe and mature oil and gas field in the North Sea and Nigeria.
Credit Suisse is advising on the deal, with a number of private equity firms, including Axa Private Equity, Bain Capital and PAI, interested in acquiring the group’s European liquid petroleum gas businesses, the newspaper said.
Go to Article from The Financial Times »
Go to Article from Reuters via The New York Times »
The company is unveiling a 10 million (in British Pounds) program that will be spent on directly marketing the elderly drivers. The program ad says it will have up to 90 percent of no claims discounts. The ad does not say 90 percent of what.
AXA feels there is a huge opportunity in providing auto insurance to the older drivers. The later feel that the other insurance companies don't properly cater their needs. Thus, AXA, which is primarily known of it's brokerage and financial services.
The TV ad of the upcoming car insurance policy campaign shows pedestrians bashing into one another on a busy city-center pavement. A voiceover then states, ‘You wouldn't behave this way on foot, so why would you when you are driving?'
By the way, speaking of the 90 percent discount. The tagline also informs that the “disrespectful drivers” will not be given those huge discounts. This is the first time an insurance company is putting value in driving experience when it comes to elderly drivers and proposes discounts for their auto insurance policies so the latter's move from other brands to AXA.
AXA has been present in the United States since 1992.
Written by Armen Hareyan
HULIQ.COM
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20/12/2006
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24/08/2009
A+
03/01/2006 : My favourite
Original material is licensed under a Creative Commons License permitting non-commercial sharing with attribution.
Dad accused in 'honor killing' will not face death penalty
The Iraqi immigrant is accused of killing his daughter,
20-year-old Noor Almaleki, for
being "too Westernized."Police say he used his Jeep Cherokee to run down his daughter
and another woman in a Peoria parking lot Oct. 20. Noor later died of her
injuries.Almaleki is charged with first-degree murder, aggravated assault
and two counts of leaving the scene of a serious accident. He has pleaded not
guilty to all charges.The decision not to seek the death penalty comes after
Almaleki's attorney, Billy Little, a public defender, asked a judge to take
special precautions to ensure the County Attorney's Office wouldn't wrongly seek
the death penalty because Almaleki is a Muslim.Little requested that the office make public the process it uses
to determine whether to seek capital punishment."An open process provides some level of assurance that there is
no appearance that a Christian is seeking to execute a Muslim for racial,
political, religious or cultural beliefs," Little wrote, referring to County
Attorney Andrew Thomas' Christian faith.Laura Reckart, a county prosecutor, responded that Little's
concern about the "supposed bias" of the office's death-penalty-review process
was "without legitimate factual or legal basis."She wrote that the state can seek the death penalty for any
person convicted of first-degree murder if it can prove the existence of at
least one aggravating factor, not because of religion.However, the debate stopped there. On Tuesday, Reckart filed a
motion indicating prosecutors would not seek the death penalty.Mike Scerbo, a spokesman for the County Attorney's Office,
declined to comment on the decision.Prosecutors said Almaleki has admitted killing his daughter
because she disgraced the family by not following traditional Iraqi or Muslim
values.They liken the case to honor killings that occur in the Middle
East, Africa and other parts of the world. In tribal societies where the
practice occurs, male family members feel they must kill a rebellious relative
who shames them by not adhering to traditional values.Noor had reportedly married a man in Iraq and returned to
Arizona to live with a boyfriend and his mother in Surprise, police said.
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12/03/2006
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20/05/2007
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05/04/2005 : The best
Steven Pearlstein of the Washington Post waxed lyrical today about the compromise deal on financial regulations proposed Sens. Dodd and Corker, calling it a “creative bipartisan proposal.” It's certainly “bipartisan,” and it may even be “creative.” What it isn't is effective. It's not just a compromise — unfortunately, it's also compromised.
It's bad enough that consumers are likely to get the short end of the stick on this deal. What may be even worse is that it's a recipe for bureaucratic gridlock and regulatory impotence.
“You have to wonder how big a financial crisis we have to go through,” writes Pearlstein, “before we get the new regulatory apparatus in place to make sure it doesn't happen again.” That's the right concern, and we certainly need a regulatory structure designed to prevent future catastrophes. But, while Pearlstein mocks “liberal Democrats who insist the only solution is to micromanage the financial services industry from Washington,” the Dodd/Corker alternative looks like that old definition of a camel as a horse designed by committee.
The Administration has been pressing for a new, independent agency to regulate consumer lending in all forms. According to Pearlstein, this agency has become a “litmus test” that has “assumed symbolic importance way beyond its practical significance.” Enter Dodd and Corker. Pearlstein describes their solution as follows, based on what he describes as “conversations with several key players”: “The compromise … would establish a single regulator of federally chartered banks with a dual mission and an independent source of funding. One division would promulgate and enforce rules to protect consumers; the other would fulfill the traditional role of supervising banks for safety and soundness.”
That's Problem #1 with Dodd/Corker: Dual missions ares a recipe for organizational disaster and an invitation for bureaucratic infighting. And when Main Street competes for resources with Wall Street, Main Street always seems to lose. Here's an example: The Federal Reserve's two organizational objectives are to create price stability and achieve full employment. Nevertheless, Ben Bernanke told the Wall Street Journal that “our dual mandate …is growth and inflation.” Bernanke forgot half of his organizational mission and nobody even seemed to notice, even in a period of massive unemployment.
It's funny how Main Street interests always seem to get forgotten in the hallowed halls of Washington.
True, Dodd and Corker would create a consumer protection division, but two “equal” subordinates in any organization inevitably end up competing for dominance. And ask yourself: Who's likely to win in this case – the one who's being fed predesigned arguments by high-priced consultants and lobbyists, or the one fighting for those who don't have special-interest dollars or resources to throw around?
The assurance given by Pearlstein's sources that “… any conflicts between the two would be resolved by the head of the agency” is cold comfort in a town dominated by K Street and special interest money. Do we really want the financial safety of the American consumer left to the capricious judgment of unnamed and unknown future agency heads, all of whom will be political appointees?
The only real, workable solution is a truly independent consumer agency – not because of it's a “litmus test,” but because it would work. The Dodd/Corker proposal, on the other hand, is a recipe for infighting and paralysis that will leave the American consumer unprotected.
There's another problem with the Dodd/Corker proposal: its solution for institutions that are “too big to fail” is “too small to work.” The House's bill would have them pay into a bailout fund and would raise their capital requirements. Pearlstein summarizes the Dodd/Corker alternative as follows:
” any time a big financial institution is threatened with insolvency, the government would be authorized to take it over and close it down in a bankruptcy-like process. The government could provide temporary loans to ensure an orderly liquidation process and prevent financial panic, but only to the extent that the loan would be repaid from proceeds of the sale of the bank's assets. '
It's not readily apparent why this would be better than current bankruptcy practices under the FDIC, but what is clear is that it lacks the most important element of the proposal passed by the House: Under the House bill, institutions that choose to endanger the nation by becoming “too big to fail” must proactively put up money for the risk, rather than leaving that responsibility to the taxpayer. It sounds good to say that loans will be repaid from the sale of bank assets, but what happens when that doesn't cover the cost? And the House proposal has the added benefit of providing a brake on excessive expansion, discouraging excessive risk-taking through a “pay as you go” approach.
In an online chat session today, Pearlstein described the breakup of “too big to fail” institutions as a “populist fantasy.” Sadly, he's probably right. But we can certainly ask mega-institutions to pay a form of failure insurance, both to protect the public's funds and to discourage excessively risky consolidation.
The Dodd/Corker proposal is designed to win sixty votes in the Senate. But the Senate's reconciliation rules are traditionally used for matters that affect the Federal deficit. Wars aside, what has exploded the deficit more in recent history than bank bailouts?
A better solution would be to scrap Dodd/Corker and address this issue through reconciliation, creating the CFPA while implementing new requirements for dangerously large institutions. That would protect the American consumer and the Federal piggy-bank, while at the same time providing greater financial stability than we're likely to see under the Dodd/Corker proposal.
______________________
Richard (RJ) Eskow, a consultant and writer, is a Senior Fellow with the Campaign for America's Future. This post was produced as part of the Curbing Wall Street project. Richard blogs at:
No Middle Class Health Tax
A Night Light
Open Identity Exchange (OIX) is a newly founded non-profit organization, launched today at the RSA Conference 2010 by Google, PayPal, Equifax, VeriSign, Verizon, CA and Booz Allen Hamilton. The aim of this new organization is exchange of online identity credentials across public and private sectors; in other words, it can certify online identity providers to U.S. federal standards.
OIX is not to be confused with OpenID, which is a standard that lets sites such as Google, Twitter or Facebook share the same login credentials. U.S. Government sites require a trust framework, a certification system that enables a party who accepts a digital identity credential to trust the identity, security and privacy policies of the party who issues the credential. OIX is the first Open Identity Trust Framework provider, enabling certified sites to share their login credentials with U.S. Government sites.
“OIX grew out of a public/private industry partnership initiated by the U.S. government at this conference last year. OpenID and Information Card technologies can solve the technical problem of using identity credentials across different websites, but can’t solve the problem of how those credentials can be trusted at different levels of assurance. OIX is a solution to this problem not just for the U.S. government, but for many different governments, industry alliances, non-profit associations, telcos, academic networks, and others all over the world who need to establish trust across a wide online population,” said Don Thibeau, OIDF Executive Director and OIX Board Chair.
Today, OIX has certified Google, PayPal and Equifax (with Verizon awaiting certification) to issue digital identity credentials that will be accepted for registration and login at U.S. government websites. Of course, this will be implemented gradually; the first site to accept OIX credentials for login is the National Institutes of Health (NIH).
Read more about OIX at the official site.
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10/07/2005
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15/08/2005
A tres vite
The dream
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25/03/2007
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05/06/2007
A+
The best
BMW has gone so far as to call their BMW G450X a revolutionary enduro motorcycle. With a number of technological improvements over the previous years' enduro motorcycles, even those who might scoff at the BMW G450X would be hard put to not take notice. With an MSRP of $8198, it's true that you could buy two Suzukis, or Hondas, but the truth is that the BMW G450X justifies itself by being a technological powerhouse, and avoiding the prissy attitude that seems so common when considering German engineered luxury. Does the BMW G450X qualify as a luxury vehicle? Does it deserve that prissy attitude? Simply put, the BMW G450X exemplifies the finest in German engineering that can be found in an enduro motorcycle, and comes at competition business-end first. The BMW G450X is not your typical trust-fund crybaby.
BMW's revolutionary treatment of their enduro motorcycle lineup began with looking at all the factors that would come in handy to an enduro rider. They produced a motorcycle in which the countershaft sprocket and the swingarm are on the same pivot, allowing the BMW G450X to retain spring tension simply, without the use of complicated (and weight adding) springs and tensioners. BMW gave it a smaller clutch mounted directly on the crankshaft, providing less heat on the clutch plate. Weight reduction wasn't an afterthought for the BMW G450X, however. The engine is a stressed member in this ride, eliminating the cradle to shed the pounds. Your gas tank is found under the seat to help optimize weight distribution, and the whole shebang is water cooled for the best power possible.
You'll find that the BMW G450X has one of the most capable engines in the enduro motorcycle market. Featuring water cooling, the four-stroke single has four titanium valves, dual overhead camshafts, and is lubed via dry sump. With an actual size of 449cc, the BMW G450X is rated at 41 horsepower and can reach a top speed of 90 miles per hour. The major drawback is that this bike uses the same go-juice as does its vehicular cousin, premium unleaded. Seems the high-falutin' got in there anyway. It's a small price to pay, however, as the BMW G450X enduro motorcycle seems to do wonders with that little bit of spare change in it's 1.8 gallon fuel tank.
The BMW G450X unladen weighs in at a respectable 267 pounds, not including accessories, but including fuel, coolant, and oil. The payload is rated at 351 pounds, so you don't have to pass up that jelly doughnut if you don't want. The question is, can the BMW G450X get past the stigma of being a luxury marquis playing in the dirt? While it's not a rich-man's bike, you'll have to pony up to find out. Regret is not a word often associated with purchasers of BMW motorcycles, however, so chances are it's all in your head.
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A tres vite
Good evening
Good morning
I am spoiled.
I can't tell you how I got into my privileged position except I found a link on IGN.com that changed my life. I didn't believe it until I got a letter telling me I was heading for Oahu with a $150,000 stipend.
Upon arrival in Hawaii, I found myself behind the wheel of a sexy rental supercar, a ruby-red Ford GT. It was my dream come true.
After driving the rental around the winding coast of Hawaii – still not believing my luck – I visited a Chevy/Saturn dealership to buy wheels. I chose a blue Saturn Sky. I was sold after my test drive, and paid cash.
Now? I'm a member of an Oahu car club, and to advance in rank you'll have to outdrive me. Well, not me, but my likeness.
Welcome to the world of “Test Drive Unlimited.”
I've been a gamer most of my life – from the days of the Commodore Vic-20 and “Gorf” to “Gears of War” on the Xbox 360. I love transforming into Walter Mitty, spending a couple hours a week in a fantasy world where blasting aliens and running over baddies get you achievement points instead of federal investigations.
And I'd always wanted a chance to develop games, test them and look for glitches – what's known in the gaming world as “beta testing.” But as a married man and father of two, I thought my days of beta-testing were gone before they ever arrived.
Until last summer.
I saw an advertisement on IGN.com that said Atari was looking for game testers. I shot off an e-mail, figuring I wouldn't make the cut. But within a couple weeks, Atari said I was selected to participate in a private PlayStation 2 beta test for the game “Test Drive Unlimited.”
I was shocked. I had been following the game on the Xbox 360 and I had the demo already, so I had a pretty good idea what to expect.
In the demo, players can choose a car or motorcycle, and they are assigned a house. The player can take part in online races against other players or compete offline against the computer. In the retail version of the game, players can choose several different types of cars, motorcycles, houses and clothing.
The players also choose whether to cruise, race or take part in side missions, including playing chauffeur for fashion models, delivering cars and dropping off packages.
Within a day or two, I got a demo disc and instructions. It wasn't long before I was online and testing.
It was an intense process – the test build of the game we received (there were 1,500 testers) was still raw.
But the tester's job is pretty clear. You look for any mistakes that slipped past developers. You are instructed to start races and try to lose them. You soon realize you are not just playing an unfinished game – you are doing work.
The graphics were subpar compared to most games on the market. The game was glitchy (trees in the middle of highways) and the auto-save feature sometimes wiped out your progress.
One of the most commonly reported bugs involved steering. Other testers complained of our vehicles' missing interiors, but Atari told them that aspect hadn't been finished in the version we received.
I found some bugs and glitches, too. I didn't mind the steering one bit, but I did notice several visual mistakes. Like how a road faded into a green graphic. I drove through it several times and ended up reappearing in different places in the game.
One cool glitch was at the entrance of a highway tunnel. The car I was driving would hit a small bump and go vertical, get transported into a parallel world and then tumble for a few seconds.
We reported glitches, mistakes and graphics problems to Atari. Developers of the PS2 version of the game, Melbourne House, used private forums on Atari's Web site for feedback as well, listening to testers and correcting bugs and glitches.
I spent hours racing or cruising around virtual Oahu last summer.
The beta test ended Sept. 3. I stayed on afterward – Atari didn't cut the servers off for a few days – and cruised online with other testers. But it was time to get back to life.
Though we worked for free, it was an awesome chance to test a video game before it hit store shelves. We found problems in-house testers had missed – which Atari very much appreciated. And I enjoyed the countless hours I spent cruising Hawaii, happy to help improve the game.
For our hard “work,” Melbourne House rewarded 30 testers with a very special gift. We were to become “nonplaying characters” in the game.
I was stunned. My likeness, aka Willie “Mad Skillz” Jefferson, is now a member of a racing club on the PS2 and PSP versions of the game. So, if you get an invite to a motor club and race against guys like Ominous Gamer, Big Blazer, FordGTMan or S31ender, you'll know the racers are actually people like me.
Since my summer jaunts around Hawaii I have helped Atari with beta testing two more times – both were “Test Drive Unlimited” for the PC.
But now I look forward to seeing how great my character is. The game is scheduled to hit store shelves March 20. I won't feel bad if I get whipped by my digital likeness.
If you get a chance, rent or buy “Test Drive Unlimited” for the PlayStation 2 or the PSP. Mad Skillz and I look forward to racing you around the beautiful island of Oahu.
Aloha!
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A tres vite
Good evening
Hi
You really have to hand it to Chevrolet; by sticking to the old American standard of “bigger equals better”, they've created a high performance monster. Powered by the LS7 V8 engine, the Corvette Z06 boasts 505 stock horsepower with a varying price tag of around $80,000. It's not the cost or power of the machine that make it worth writing about, but the combination of the two.
The Z06 is the 'poor'-man's supercar; it's loaded with an enormous seven liter V8, all-wheel drive, and a fine tuned six-speed manual transmission. It sticks to the road just as well as an F430, and arguably, a lot better than many larger engine supercars. This isn't to say that the Z06 is faster than an Aston Martin or Ferrari; it's just that no one expected a car priced under a hundred grand to outperform the traditional leaders of the pack on any level, and that's exactly what the Z06 does. In fact, a souped up version known as the Blue Devil Z06 recently ran Nurburgring with a time of 7:40, setting the second fastest time behind only the Porsche Carrera GT at 7:32. The Italians have taken notice, and the Lamborghini LP640, a 640 horsepower version of the Murceilago, is already on sale and Ferrari will be debuting the F430 Scuderia this coming autumn. It won't be topping the lists for long, but the success of the Z06 was a surprise to everyone, and for good reason.
There's a lot to love about the Z06; the low growl of the engine, the seamless shifting, the way it commands the road – it's hard to believe that GM would ever allow this All-American legend and their flagship supercar to succumb to their biggest flaw, but General Motors never ceases to fail in this respect. The only luxury you get is the seating, and they aren't even that great. You don't even get a sporty steering wheel, just a Corvette-badged Cobalt wheel. This isn't necessarily terrible, it's just that one expects a little more than plastic and cheap leather when the cost is so high. There are some nifty aftermarket solutions, but that really doesn't excuse this lack of effort on the manufacturer's part. Part of owning a supercar or luxury vehicle is that it feels like that way; the Z06 should not feel like an $18,000 dollar Chevy, and that eighty grand should go to more than just an LS7.
Despite the lack of interior, the Chevrolet Corvette Z06 is truly a marvel and a bargain. It costs a lot less than similarly performing cars, it comes with a warranty worth considering, and it's simply a hell of a lot of fun to drive. Sure, it's no Gallardo and certainly not an Enzo, but if you're reading this article, you're looking for the highest possible speed at the lowest possible price. Having been fortunate to take most of the cars mentioned in this piece for test-drives, I guarantee that the Z06 is the only car that is worth more than the sum of its parts – if you aren't allergic to plastic.
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A+
Assurances malus
22/10/2009
Pour chaque sinistre Assurances malus dont la responsabilité vous incombe à 100 %, votre cotisation se verra majoree de 25 %. Par contre, Assurances malus pour chaque accident en partie responsable, votre cotisationn’augmentera que de 12,5 %. Le malus Assurances malus maxi est de 350 % par rapport à votre cotisation de référence (depuis le 19/12/2006 par exemple). Si vous n'avez pas de sinistre à votre tort deux années consécutives Assurances malus, vous reviendrez au tarif de reference. Assurance Malus En cas de changement de voiture, vous conserverez votre coeff de bonus ou de malus assurances malus.
26/02/2007
Si vous n'avez pas d'accident à votre tort deux années consécutives Assurances malus, vous reviendrez au tarif normal. En cas de changement de voiture, vous conserverez votre coefficient de bonus ou de malus assurances malus.
Source : Assurances malus
Malus ? Comment ca marche
Bonjour à tous !
Définition assurance malus
Je vais essayer de vous faire Assurances malus un petit tour du malus.
Le malus assurance jeune conducteur est un système de calcul qui permet à l’assureur de faire varier le montant de votre cotisation annuelle en fonction du nombre de sinistres déclarés au cours de l’année précédente.
Ainsi, si vous n’avez pas eu assurance voiturette de sinistres, vous bénéficiez d’une réduction du montant de votre prime annuelle (bonus). En revanche, si vous avez eu un ou plusieurssinistres, le montant de votre facture annuelle sera augmenté (malus).
Les règles applicables à ce système du Assurance auto malus bonus-malus sont déterminées par un arrêté ministériel (annexe de l’article A.121-1 du code des assurances). Elles sont donc les même pour tous en théorie de l'assurance malus.
| Lorsque vous vous assurez, sans bonus ni malus assurance alcool, vous êtes redevable d’une cotisation de base (en fonction des tarifs de votre assureur). C’est la cotisation de référence. Puis, tous les ans, l’assureur examine votre situation pour calculer votre cotisation annuelle. Pour cela, assurance scooter prend en compte tous les sinistres intervenus au cours d’une période d'un an précédant de deux mois l'échéance annuelle du contrat. |
| Le bonus et le malus sont calculés à l'aide d'un coefficient qui est déterminé en fonction de vos antécédents. Au départ, lorsque vous êtes redevable de la cotisation de référence, votre assurance temporaire est de 1. Puis une fois par an, en fonction des sinistres intervenus, le coefficient change. Pour déterminer le montant de votre cotisation annuelle annuelle assurance moto malus , il suffit de multiplier le tarif de référence par votre coefficient. |
Quelque soit le montant de votre malus, celui-ci disparaît après deux années consécutives sans accident. Le coefficient alors applicable est de 1. |
A bientôt
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