Stop me if I'm rambling...

Friday, December 02, 2005

And if you believe that story...

Unfortunately, work has been extremely crazy lately so my blog has really suffered. I have a brief moment now to catch my breath, so I thought I'd post a message. So, what's happened in the last week? Well, over the weekend I learned that Nick and Jessica officially announced their split; I'll need years of therapy to get over my grief... :) In other news, in an act of desperation, on Wednesday night the floundering 8-13-5 Bruins shipped captain Joe Thornton to San Jose for three guys whose names are familiar only to NHL diehards (do those exist anymore?). What else? Oh, another case of a prominent sports celebrity acting badly (or maybe it was his friend...or his brother). Here's the story: About a week ago, former Dallas Cowboy wide receiver and Pro Football Hall of Fame semi-finalist Michael Irvin was charged with misdemeanor possession of drug paraphernalia after Plano, TX police officers searched his vehicle during a traffic stop. The incident started when Irvin, now 39, was stopped for speeding while heading with his wife to a furniture store. The cop pulled him over and found what the media is labeling a "drug pipe"--in interviews, it has been called a "crack pipe" and Irvin didn't correct them--and a baggy with marijuana residue.


What's interesting about the story is not that Irvin has been found with drugs but rather the convoluted story that he's using to deny the charges. He's saying the drugs weren't his. He told ESPN's Dan Patrick that he took the pipe off a friend who he's been trying to help kick a drug addiction, a friend Irvin says skipped out of a Houston rehab center earlier in the week and came to his house for Thanksgiving dinner. But, according to the police report, Irvin told the officer who stopped him that the pipe was left in the car by his brother. Then he told the AP on Monday that he called his friend a "brother" because the two are so close, but they aren't related. Irvin said he was going to toss it in the garbage, but instead put it in his car intending to drop it in a dumpster at a nearby grocery store later. Police found the pipe under the seat of the car, where Irvin admits he placed it. Now, whether the police officer had probable cause to search the car is something the lawyers will have to sort out. By all accounts, it was not in plain view and Irvin apparently did not give the police permission to conduct a search.

So where does this leave Michael Irvin? Since the arrest, Irvin has been suspended by ESPN for one week for not disclosing the arrest. However, the sports world is an extremely forgiving place, especially if someone is honest with the public. Part of Irvin's appeal as an ESPN analyst is that he's outspoken, opinionated, and frankly a bit of a rogue. Remember, this isn't his first arrest for drugs. In 1996, he pleaded no contest to felony cocaine possession in exchange for four years of deferred probation, a $10,000 fine and dismissal of misdemeanor marijuana possession charges. He also was arrested on drug possession charges in 2000, but they were later dropped. But still he found work, first as an analyst on Fox Sport's "The Best Damn Sports Show" and now ESPN. This time, however, his evasive explanation isn't helping his case. Not surprisingly, this mystery friend/brother has not surfaced. Nor has Irvin submitted to a urinalysis test, which seems like it would be a logical way to vindicate himself. Hey, Michael, if you're clean, take a drug test to prove your detractors wrong. If not, let's hear the truth; trust me, it will be much easier for you.

3 Comments:

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2:20 PM

 
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2:27 AM

 
Blogger Stan said...

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There are different types of insurance coverage available, thus the best question to ask when applying for insurance, is which policy is available to me. In the beginning of the 19th century laws were passed stating that anyone driver a motor vehicle is by law obligated to have a measure of coverage. The drive can take out full coverage, or else �third-party� coverage, which will protect them in the event an accident occurs. The policy will keep you out of the arms of the law even if you are pulled over for a traffic violation, by protecting you from getting citations, fines, jail, or towed vehicle for no proof.

Third party will offer a measure of protection, however it will not protect you entirely if an accident occurs, and most likely will not cover you if your car is stolen. If you possess a �High-Performance� or �Classic� vehicle, then you will need supplementary coverage, outside of third-party coverage. In fact, you will need full coverage, plus the supplementary coverage to protect your vehicle. The coverage offered to these customers is to protect them extensively, since the risks are higher and the cost of repairs on such vehicles is twice more expensive than standard vehicles.

If you only take out third-party insurance on a high dollar vehicle, then you will pay the cost of repair and suffer losses in the event you are in an accident, unless the other driver is at fault. However, if that driver is at fault, still you may pay the cost that is not covered under the other drivers insurance if he too has third-party coverage. The third-party coverage will cover drivers on �public roads,� or private roads.� The policy may offer limited coverage for �legal liabilities� and �passenger indemnity.� The passenger indemnity means that if you are driving and your passenger hit�s a parked vehicle with the passenger door then you will be covered. The coverage may offer protection against fire and theft also, which will provide you a measure of coverage in the event your car is stolen or fire occurs. However, you must read the terms and agreements carefully, since some third-party coverage is minimal and will not offer this protection. On the other hand, comprehensive full coverage will defend you on nearly every possible occurrence. Comprehensive full insurance coverage �is the complete form of car insurance� that �adds accidental damage� coverage �to the 3 policies discussed.�

The comprehensive coverage can protect you, despite the level of damage, and will cover you on many �personal accidents� in the event you are injured. Third-party coverage was not planned to provide the coverage that the comprehensive policies bring. Third Party Only is a liability policy that will prevent you from charge if you cause an accident. The Policy will provide a measure of assurance that if you are in an industrial accident �the innocent party�s repair/replacement costs are insured against.

Thus, insurance coverage is different and most companies base the pricing on age, driving history, gender, type of car, and so forth. Regardless of the type of insurance you are seeking, all policies have premiums. The companies will often ask customers to provide an estimated guess as to how many miles you drive each year and this too will affect your premiums. Most companies estimate that drivers should only drive around 12,000 miles per year, but it depends on the company. Furthermore, under law you are responsible for your vehicle, therefore, if you are seeking insurance coverage and intend to allow other drivers to drive the car, make sure you get coverage for other drivers, otherwise if the driver causes an accident, by law you will pay for the damage, loss, death, and any other problem the accident caused. Thus, if you have a new car, high-performance vehicle, and other risky materials or issues that can increase your premiums, take not of each area that may be considered a high risk and point this out to the agent ahead of time. It makes sense to get several quotes if you pose a potential high risk to find the best rates on car insurance plans.

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11:34 AM

 

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