Tata Sky Dish Setting | INSAT-4A 83 Dish Setting easy way

 Tata Sky dish settting | INSAT-4A @83E

Tata Sky channels package is the same as Dishtv and Airtel which broadcast from India.  As we know at first Dishtv are usage was at a high level in the region. When many companies saw the income of that kind of package they decide to launch their own package on another specific satellite. After that Airtel, Bigtv, and Tata Sky packages are launch by multiple companies.

Today I will talk about the Tata Sky package and its satellite that how can you set it easily and what are your requirements to set this satellite. So read briefly the method, I will tell you an easy way how to set the Tata Sky package satellite.

First of all, I will discuss its requirements.

~             You should have 2 feet of dish

~             KU band LNB

~             SIM or WIFI Supported digital satellite receiver

Now I tell you about the Tata Sky Dish set. You have to open the compass in your Andriod mobile and set it on approx 125 Degree. If you are already ser at Dishtv position then it is also easier for you to set Tata Sky INSAT-4A Satellite.

You have to move the approx 4 inches to the right side while sitting on the back of your Dish and lift 2 inches, which means the level got high from the front side because the elevation of Tata Sky INSAT-4A Satellite is high than NSS-6 Dishtv. After that, you have to put the strong frequency of Tata Sky in your digital Dish receiver. The Strong frequency of Tata Sky is 11090 V 32720.

It is also called strong TP of Tata Sky is 11090 V 32720. “11090” is the targeted frequency “V” is polarization which is vertical and “32720” is the symbol rate. So by this way you can set Tata Sky INSAT-4A Satellite.

Now when you put the strong TP then slightly move the Dish right left and up and down. Your signals will be received very easily. After receiving the signals, go to the antenna setting in the receiver select scan then select blind scan from receiver remote control by arrows keys.

When all channels are received then you have to put the CCCAM server in your receiver in the multimedia section. Select multimedia from remote then go to the CCCAM option, where you can put the CCCAM. Internet package should be in your SIM card which you will insert in the receiver. While if you connect the receiver to WIFI then you have set the WIFI option in the multimedia section instead of CCCAM.

When your network shows success and CCCAM server connet, your all channel will be played same like we played Hotbird Satellite channels through cccam. 

Hope you understand the method of setting of Tata Sky Dish. 

What is a referral business, when did it start and how large is it?

 Referral Business

Transferring money from one part of the world to another without moving it requires no banks, no currency exchange, no need to fill out a form, and no need to pay a fee.

One is the sender and the other is the one to whom the money is due, and in between there are at least two other people whom you can call mediators or middlemen.

This is a reference business that existed long before the advent of the traditional banking system. This has been going on for centuries due to the ease of money transfer and the many benefits available to the people involved.

It can transfer millions of dollars around the world, without knowing how much money there is and who is controlling it.

The name refers to the illegal transfer of money from one part of the world to another and the most important role in this is played by the agent or middleman who can be called the mediator. Middlemen rarely leave a record of a transaction.

As such, it would be a major hurdle to find out where the money is coming from and where it could be used for money laundering, drug trafficking and financing extremist organizations.

Alberto Prego Moreno, a professor of international studies at the University of Pontifacia Camilla in Madrid, told BBC Mando that although the reference itself was not linked to the activity, it could be a tool to achieve the wrong goals. Spread across Africa, South Africa and Southeast Asia.

Parallel to the banking system

It has been described as a traditional and informal process that runs parallel to any other banking system and its importance is based on the confidence of the middle man.

For example, a person from New York can send money to Islamabad without opening a bank account. All he has to do is consult a local middleman and give him the money in dollars and a password that both the sender and the recipient agree on. In other words, in addition to these two passwords are now known to the sellers.

Now the local middleman contacts the middleman in the Pakistani capital and tells him the amount and password.

This second middle man pays the same amount in Pakistani rupees to the person where the money was to be delivered. He makes sure the money reaches the right person and asks for a password.

The whole process is completed in just a few hours and the middleman takes a small amount of money as a commission.

Where did the reference come from?

It is not clear when the reference began, but some people associate it with India in the Eighth Century in connection with the Silk Road.

The Silk Road was in ancient times the trade route from China to the rest of the world. The silk trade flourished during the Han Dynasty between 200 BC and the second century BC. Earlier, caravans of the Silk Road traveled west from the northern tip of the Chinese Empire.

But then the tribes of Central Asia came in contact and gradually the route reached Rome via China, Central Asia, North India, present-day Iran, Iraq and Syria. It is noteworthy that not only silk was traded on this route but also all the people associated with it used to trade their products through this route.

But there were frequent thefts and lootings on the Silk Road, so Indian, Arab and Muslim traders resorted to various methods to protect their profits.

Merchants used a password that was an object, word, or gesture, and similar objects, words, or passwords that had to be revealed to the recipient. In this way, they would ensure that money or goods were transacted in the right hands.

The age of this system can be gauged from the fact that the first bank in India was the Bank of India, which was established in Kolkata in the 18th century.

With the speed at which the world is advancing in terms of technology today, reference work has also become easier. Today, codes are sent instead of passwords through the instant messaging app. So middlemen can easily do it in parallel with their business activities.

But why are these transactions done in secret?

Professor Alberto Prego Moreno says: "This is because sometimes the money is not declared. Sometimes (the consumer) wants to avoid paying taxes and he wants to make sure the commissions are kept to a minimum.

This is also because if a person traditionally wants to send money from the United States to his family in another country, he has to meet a number of demands.

If you use the banking system, you must have a certain amount of money. To open an account you need some documents such as your identity and your legal status there.

Other money transfer services can charge you up to 20% commission for international transactions. Either way, the user has to go through a number of regulations to prevent activities such as money laundering.

But there are not many such complications in reference.

"This is a very effective method because the money reaches the recipient relatively quickly and the commission has to be paid less," says Prego Moreno.

"It's important for the middle man to have a good network. The more contacts you have, the better your business will be. So you charge less and pay more. 

"It's important for the middle man to be reliable," he said. Earlier, usury was low and it was difficult for middlemen to make a lot of money. That is why this system spread so much in the Middle East and Asia. There are banking transactions in western countries but there is strict monitoring and control.

"In some places, people rely more on these middlemen than on the banks because it is the middleman's family and ancestral business that they consider more reliable than the banks," says Moreno.

Marina Martin, South Asia Legal History Coordinator at the Max Planck Institute in Germany, says: The method is different.

How big is the referral business?

The biggest advantage of the traditional referral system is that it is beyond the control of the government or international organizations to decide who is transacting the money. The fact is that there is little or no record of transactions, which is an obstacle to detecting money laundering.

It is believed that the 9/11 attacks in New York were also financed by terrorists in these unconventional ways. With the implementation of new and stricter laws, international transactions of a few thousand dollars have become even more complicated, not only in the United States but all over the world.

"In the aftermath of the 9/11 attacks, the United States sees the reference as a possible source of funding for terrorists," Martin said.

"References (and other unconventional methods) have been linked to many criminal activities over the years, from money laundering and political corruption to human organ trafficking," says Marina Martin.

A study by the Organized Crime and Corruption Reporting Project in 2018 found that a large number of foreign workers in Dubai were sending money to their families in countries such as India and the Philippines using unconventional systems such as hawala. It was stated that this amount is more than 240 crores.

In February 2016, the US Drug Enforcement Office (DEA) highlighted the links between Colombia and Hezbollah through money laundering and drug trafficking through Europe, saying that it involved millions of euros and millions of dollars worth of drugs. Has been traded.

According to DEA documents, millions of dollars worth of drugs were shipped to the Middle East via Lebanon and remitted to Colombia in euros.

In East Africa, especially in Somalia, arms smugglers use the reference to transfer millions of dollars.

According to the World Bank, there has been an increase in the number of migrant workers in developing countries sending money to help their families through remittances.

Despite the impact of the Covid-19 epidemic, remittances to low- and middle-income countries were estimated at around Rs 400 billion in 2020, according to official figures. This amount is only 1.6% less than in 2019. In 2019, this number was Rs 406.31 trillion.

However, the World Bank has also made it clear that "the actual size of remittances, which are delivered in both conventional and non-traditional ways, is much higher than official figures."

With a possible global recovery in the economy, remittances to low- and middle-income countries through traditional and non-traditional methods are expected to increase in 2021 and 2022, respectively.

The Short History of England | History of England in Nutshell

 England History

In the lower Paleolithic period, the habitation of the British Isles was made by early hominids more than 10,000 years ago. British islands were laying to continental Europe by a territory named Doggerland by the Mesolithic period. Homo sapiens or modern humans were the only hominid species to still survive here between 4500 BC to 600 BC.

Agriculture was adopted and many people started from in the course of the first 1000 near BC. Emigration from continental Europe resulted in the establishment of Celtic languages in the British pounds from 40 to 410 AD. The Soudan Britain was part of the Roman Empire expeditions were made in today's Scotland - named Caledonia by Romans but in the north of the island, the native population treated invaders with hostility.

Many Roman forts were destroyed by fire after the end of the Roman period. The early medieval times saw a series of invasions of Britain by the German-speaking Saxons beginning with the 5th century. Anglo-Saxon kingdoms were formed and to words with British states. They came to cover the territory of present-day England after that period. The Anglo-Saxon state was Christianized in the 9th century Vikings from Norway and Denmark conquered most of England.

 Only the kingdom of Wessex under the Alfred the Great survived and even managed to reconquer and innovate England for much of the 10th century. But in the early 11th century the subjugation of England to Denmark under 10 new to degrade happened. Danish rule was overthrown and the local house of Wessex was restored to power under Edward. The Confessor from both two decades under his debt in 1066 but William Duke of Normandy said he was the rightful hire of the English throne.

He invaded England proclaiming himself to be the King. William the first threatened his regime by appointing loyal members of the norman led to any position of authority in the kingdom. After that England faced a period of succession crisis known as anarchy by thirty forty-eight black there was in England and one of three people were killed because of these diseases. A succession crisis in France led to a hundred years worth a series of conflicts involving the people of both nations France won and England had its own succession.

Wars again in the Middle Ages anyone wants to be a king and to have power humans. Henry Tudor ended the War of the Roses and established the Tudor dynasty in 1486. The most known king in that era was Harry which embarked on a war in France just for personal desire and glory even if her sister was married with the King of France. Harry had six wives he killed two and divorced two of them, one died and one survived but at that time there wasn't possible to divorce.

This was a law from Catholic  Church while Harry decided to simply create his own Reformation. English Reformation where the Pope couldn't be the big boss anymore. But a king was Elizabeth the first started a golden era in England. Poetry and music cultures were growing, the economy was stronger and from the military point of view at that time English managed to defeat a Spanish fleet Armada which was the great fleet.

At least they say so after the Tudors he stewards came in. In the union of counts, another civil war happened. King Charles was killed in 1649. A Commonwealth was established as a protectorate and after that, the stores came again in 1660. The colonial period officially began in 1607 when England built an establishment at Jamestown in today's the United States. The union between the kingdom of England and the Kingdom of Scotland was made possible by both Parliament's in 1707 which dissolved them.

To form a Kingdom of Great Britain governed by a unified. Parliament of Great Britain according to the Treaty of Union the acts joined the kingdom of England and the Kingdom of Scotland in a single Kingdom, the Kingdom of Great Britain

History of North Korea

North Korea History 

The Korean Peninsula has been inhabited for 100,000 years early Kingdom established an incredibly. Strong Korean military presence in East Asia that was able to keep Russia Mongolia and China from invading fast-forward to the 1st century AD. They were united and there's some really powerful dynasties until 1897 when the Korean Empire was established. Things are getting spicy however the Korean Empire didn't last long because in 1910 Japan invaded the peninsula and took over everything. 

They were terrible and suppressed Korean traditions in the language and only ran the economy to benefit themselves. Naturally, the Korean people. Weren't exactly agree with this and there was a lot of guerilla warfare to try and kick the Japanese out. One of those guerrillas was a guy named Kim Ho sang but more in him later things were pretty peachy for the Japanese until the end of World War 2 when they were finally kicked out that's.

When the peninsula was divided into two parts. The United States supported the capitalist South and the Soviet Union supported the communist north. Whatever reason that never seems to end well the northerners weren't exactly happy about this arrangement. So they invaded the south and that's when the Korean War started and was devastating for everyone involved since more than 3 million people ended up dying in just three short years. The war eventually ended in 1953 and North and South Korea was internationally recognized as two different countries separated by the Demilitarized Zone.

Ironically it quickly became the most militarized zone in the history of the world. Surprisingly life of the North Korean people wasn't that bad, immediately following the war. They were better off than the South Korean people in the 60s and 70s since Kim Il-sung was best buds with Stalin and at a ton of Soviet resources to help boost the economy. Unsurprisingly though not all of those resources were used to boost the economy. Kim eun-sun was super interested in nuclear power and used the Soviets only to do a bunch of research development and tests this. 

Naturally wasn't exactly with the rest of the world so the UN has them to stop and North Korea said no. Then the UN asked again and North Korea said maybe and then no okay back to the North Korean people. Even though they were doing better economically for the first 20 years of division. They were also losing their individualism and freedom. Kim il-sung was a bit of a narcissist and so keep d cult of personality in place means everyone has to worship.

The dear leader and anyone who doesn't violently punish also. He was the guy who established the juju which is the ideology that North Korea should be miss independent to be entirely self-sustaining and not accept any help from anyone. Ever except of course from China in the Soviet Union. Why can probably guess this ideology didn't exactly work out and the economy started to plateau and decline in the late 80s and then took a complete nosedive in 1991 when the Soviet Union collapsed.

 A few years later Kim Wilson conveniently kicked the bucket in the Sun Kim jong-il took over as the narcissist in charge. He was more than ready to take on. The row King jungle was just as bad as his father. The mid90s ended up being a rough time for North Korea. There was a ton of flooding which decimated their crops and led to a famine that killed anywhere from a quarter-million to three-and-a-half million people.

The situation was so bad that the Dear Leader had to accept large quantities of food aid from the United Nations in the 21st century. Things became mildly better for the North Korean people but not much well. The family was over people still struggled to get enough to eat since the government underpaid most of its citizens and gave them very little freedom in choosing a career. In 2011 Kim Jong Il died and his son Kim Jong-un took over.

This guy who's best pals with Dennis Rodman what just like his ancestors Kim's a big fan of nuclear weapons and threatening the West with him. But he did something none of them were able to accomplish. He meant with both the president of South Korea and the President of the United States of America during the meetings. They reportedly talked about unifying the Koreas and throwing out all the nukes but sadly not a lot came from those meetings.

For now, North Korea remains one of the most repressive states in the entire world and has continuously ranked as one of the worst human rights violators. They don't allow their citizens to travel freely within the country, they imprison people for the most arbitrary offenses and they rely on forced labor to keep their economy. Running things are so bad that an ever-growing North Korean refugee population in South Korea alone. there are over 31,000 North Korean refugees living and working in what is to them a completely different world. 

How did Indonesia became a Muslim country? History of Islam in Indonesia

Religion Islam in Indonesia

What is the country with the largest Muslim population in the entire world? Saudi Arabia, Pakistan, Egypt, or Nigeria. So the correct answer is Indonesia. Islam is the religion in Indonesia with the most adherents with 87.2% of the Indonesian population identifying themselves as Muslim and according to the nearest survey, Indonesia has the largest Muslim population in the world with approximately 220 million Muslims. As we all know that Islam started in Arabia in the seventh century. From where it expanded to more people especially in continental North Africa and southwestern Asia.

A question just popped up how did Islam reach this archipelago, how did these away islands become Muslim? The series of Muslim conquests following Mohammed's (Sallaho Alaihe Wasalam) Passed away, led to the creation of the caliphates. These empires expanded quickly and occupied enormous geographical areas occupying more and more land. The conversion to Islam was boosted by missionary activities. 

Particularly those of Imams they told the religious teachings to the local people due to the rapid military expansion. The new religion expanded too and the new conquered territories. These early dynasties focused on spreading the new religion but also they focused on research economics and trading during the Islamic Golden Age. 

More and more people converted to this religion including crowned heads Nobles but also trades and merchants. This resulted in rapid spreading towards the Indian and Atlantic oceans. Islam influence first came to be felt in the Indian subcontinent during the early 7th century with the advent of Arab traders. 

Arab traders used to visit the Malabar region which was a link between them and the ports of Southeast Asia to trade even before Islam had been established in Arabia. The Arab merchants and traders became the carriers of the new religion and they propagated it wherever they went. It was however the subsequent expansion of the Muslim conquest in the Indian subcontinent over the next millennia that established Islam in the region. 

Muslim missionaries played a key role in the spread of Islam in Asia. Some missionaries even assuming roles as merchants. They were sent across Asia in all directions under various titles often as traders. The missionaries were instructed to speak to their potential converts in their own language. Even before Islam was established amongst Indonesian communities Muslims sailors and traders had often visited the shores of modern Indonesia.

Most of these early sailors and merchants arrived from the Abbasid caliphs its newly established ports of Basra and debal. The territory was rich in spices exotic fruits and other goods. There is evidence of Arab Muslim traders entering Indonesia as early as the 8th century. But it was not until the 12th or 13th century then the spread of Islam started and expanded even more due to the adoption by the local rulers and elites.

The missionaries came from many territories and regions. Some came here from India and later from the southern Arabian Peninsula. It is believed that around the 13th century, religion began to emerge on the northern coast of Sumatra. After this Islam was further spread by Sufi orders and finally consolidated by the expansion of the territories of converted rulers and their communities. It is not knowing a certain date when the conversion started and having no clear indication of when Islam first came to the region.

We may consider the start around 11th or 12th centuries the first Muslim gravestone markings date to 1080 - also when Marco Polo visited the area in 1292 he noted that the urban port state of perlac was Muslim. The first evidence of a Muslim dynasty in the gravestone dated 1297 of Sultan Malik Al Saleh the first Muslim ruler of the semaj opposite Sultanate Chinese. Sources record the presence of a Muslim delegation to the Emperor from the kingdom of Sumatra in 1282.

The spread of Islam generally followed the trade routes east through the primarily Buddhist region and half a century later in the malakas. We see the first dynasty arise in the form of the Sultanate of Malacca at the far end of the archipelago formed by the conversion of one Shah into a Muslim and the adoption of the name Mohammed Iskandar Shah. The spread of Islam among the ruling class was precipitated as Muslim traders married the local women with some of the wealthier traders marrying into the families of the ruling elite Indonesian people.

As local rulers and royalty began to adopt it and subsequently their subjects mirrored their conversion the expansion accelerated in the 15th century as the military power of Malacca Sultanate in the Malay Peninsula. Andother Islamic salt it's dominated the region aided by episodes of Muslim coup Wars and superior control of maritime trading and ultimate markets by the 14th century. Islam had been established in Northeast Malaya Brunei the southwestern Philippines and among some quarts of coastal East and Central Java.

The 15th century saw the decline of the Hindu Javanese Majapahit Empire as Muslim traders from Arabia India Samatra and the Malay Peninsula and also China began to dominate the regional trade that once controlled the Javanese Majapahit traders, Chinese Ming Dynasty provided systematic support to Malacca. Ming Chinese Zhang's voyages is credited for creating Chinese Muslim settlement in Palembang and north coast of Java Malacca.

Actively encouraged the conversion to Islam in the region while Ming fleet activity established Chinese Malay Muslim community in North East coastal. Java thus created a permanent opposition to the Hindus of Java. The expeditions had established Muslim Chinese Arab and Malay communities in the northern ports of Java. Dominant Muslim kingdoms were more and more present in the archipelago Hindus historical inhabitants were Animists Hindus and Buddhists. 

In time many of them accepted the new religion because Muslim merchants and traders disseminated Islamic teachings while trading with the local population and their teachings encouraged proselytizing religion. Hindus and Buddhists don't generally proselytize and Islam is a monotheistic belief system and it doesn't allow its followers to believe in another God. Being a Muslim created more privileges benefits and favourable terms for the local people than being a non-muslim.

Some people needed safety and certainty so they chose to declare themselves as Muslims because Islam made an appearance in Southeast Asia through trade with people of South Arabia and Indian Sufis. The transition was made more peacefully than in the Middle East or North Africa where existed conflicts in Indonesia. The process was slower but was created differently through merchants elites and Nobles.

The presence of monarchy made it easier for the religion to spread among the commoners just as the presence of Christianity in the monarchy made it easier for the religion to spread in European kingdoms. Meanwhile in Java Island the great Hindu Majah pocket Empire was collapsing. Some of these new kingdoms were supported by Ming China through assimilation related to trade royal conversions. Conquest Islam had supplanted Hinduism and Buddhism as the dominant religion of Java and Sumatra by the end of the sixteenth century.

But many cultural and religious habits from the Hindu Buddhist era were mostly tolerated and even incorporated into Islamic rituals. Islam didn't obliterate the pre-existing culture rather it incorporated and embedded the local customs and non-Islamic elements among rules in part. The strong presence of Sufism has been considered a major enabler of the syncretism between Islam and other religions when Europeans came.

They brought Christianity to the Muslim majority but not so many converted, probably due to the fact that in that time already the accent wasn't put on religion as much as in the 12th or 13th centuries. But this is another discussion Indonesia is a big country with more than 250 million people from different cultures and ethnicities across thousands of islands.

From a religious point of view Indonesia is not ruled by a single law because more than 80 percent of the population are Muslims. Indonesia can be called as one of the Muslim country in the world but Indonesia is not a traditional Islamic one. Their constitution does not specifically base on their religion and also it contains many values Universal ones are also available in Islam as well as in other religions, formulated into what is known as pang Casilla the five philosophical pillars of the country.

Types of Medical insurance | Benefits of Medical Insurance

Benefits of Medical Insurance 

Medical insurance is very useful for everyone because it has lot of benefits like medical expenses are provided through disability income insurance by the company which you have deal with them. You have to deposit required money as per company’s rules and regulations. It has many kinds of benefits like when you got ill the will pay money as per suggested prior.

Now we will discuss about many kinds of benefits of medical insurance.

1. Benefits management insurance

In this kind of insurance you will the money which you deposit to the company account and as need it will spend on you with interest.

2. Benefits of group medical insurance

In this type of insurance people create a group and deal with a insurance company or bank. In such case all the participants will deposit money as they decided prior to be pay and the company or will be responsible to treat all the insurers.

3. Benefits of dual medical insurance

This is insurance which a person got insurance in 2 places, companies or banks. This type of insurance is very expensive because you to deposit money in 2 places but the benefits of it, is to receive insurance from both places. So this kind of insurance can afford a rich person nor a common.

4. Benefits of having medical insurance

If you have got medical insurance from any company or bank it will be very beneficial for you because in emergency you will be need money and when you have not any medical insurance, then it will be very hard for you to afford the hospital expenses. So you must have a medical insurance.

5. Benefits of medical insurance for employee

When you government or private employee you should do the medical insurance. As you know the importance of medical insurance so why you spend lot of money by not doing insurance. Rather I suggest the employee to got the medical insurance in first chance because it will give you a great benefit to you and your family.

6. Benefits of medical insurance in Pakistan

That is main point because Pakistan is a very backward country from every angle. I suggest all Pakistanis to do medical insurance else with minimum rate because every one knows mostly Pakistanis are living in urban areas, so the can’t afford a big instance but some medical insurance must they do for his better future.

7. Benefits of private medical insurance

Many private company gives medical insurance like mobile companies, private banks and other smaller business dealers. As they need money for his business and work which they are doing so they often giving the package of medical insurance in cheap investment. So who knows that this is best medical insurance for him than he should insured with them.

8. Company’s contributions towards benefits (medical accident and life insurance)

When you deal a medical insurance with a company, it will be responsible of medical treatment rather than in death case also. At the time of you contributing with a company for insurance it would mentioned that in case of death company will pay more amount to your family.

9. How to quality health insurance

When you want to do medical or health insurance you should inspect many companies, banks and other institute which gives medical and health insurance. When you satisfied with a company which will give more benefits you should agreement with them. Because sometimes when a person insured with a company or bank he bond the them as per their policy. So first best inspection is must for doing insurance.

10. Veterans medical insurance benefits

This is most important insurance which will everyone prefer because when a person end his government job and retired he got confused. He thinks about how to invest money so this is the best way for him to got every type of insurance including medical insurance. Because it will give a great benefit to him in future life.

Hope you understand the types of medical insurance. Remember me in your prayers. May Allah give you great benefit and success in your life. 

Types of Car Insurance

In this tutorial I'm going to tell you the exact steps to figure out how much car insurance you really need. Car insurance can be big confusing for us and actually lot of money down the drain. We will converse that kind of insurance into three parts.

You need to understand the three types of car insurance coverage’s available that includes liability comprehensive and collision. 

Liability coverage

Liability insurance covers anybody injury or property damage. When you have an accident that is your fault, if you were to hit somebody your insurance would cover the cost of the repairs to that car or if you caused any harm to the person like physical injury. So this is the basic type of insurance that everybody needs it's illegal to not have this type of insurance.

Make sure if you have it so bodily injury liability think of this as medical cost property damage. Liability think of this as the cost of the repairs to the car. 

Comprehensive insurance

Comprehensive insurance covers any kind of repairs to your car that did not result from a collision. For example  your car got broken into a tree branch fell on top of it and your car caught on fire unexpectedly. A natural disaster hailstorm came around any of those things would be covered by comprehensive insurance.

Collision insurance 

Collision insurance covers the cost of repair for your vehicle if you are involved in an accident and it doesn't matter whose fault, whether the person who hit you or you hit somebody else. Collision coverage will cover the cost of repairs to your car. Your own liability insurance does not cover the cost of repairs towards your car unless the other person is at fault and then their liability insurance would cover the cost of your repairs. For example other person didn't have enough liability insurance to cover the cost of your repairs. 

This is where collision coverage would help you out one important thing to note here is if you have a car loan, you may be required to have full coverage which means all three types of insurance on your car. So while you may not have the opportunity to pick and choose the different types that you want. You do have the option to shop around different insurance companies to get the best rate. You need to determine how much car insurance you need. I will be really good idea to maximize your liability coverage. Now generally most insurance companies will max out in three different areas. This would include personal injury, total injuries, per accident and property damage. So when you go into your insurance coverage you can log on to your account. You should see three different numbers.