la auto insurance quotes

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la auto insurance quotes la auto insurance quotes Related

What is the best car to buy in terms of getting cheap car insurance as a first time driver.? I am over 25 but things are still costly. Insurance Quote From You! State Farm? What do think state farm will charge for - for a 1984 dodge, 2.2L, cheapest insurance plans?" "Hello, Does anyone know what is the cheapest health insurance company for a 30 years old male living in NJ? I am looking to buy health coverage with a decent company. Thanks for your help. How much would my car insurance be if i am a 16 year old female driver? i live in indianapolis indiana and i own a 1998 caviler "Rover car 1996 and 1989ford transit van, one insurance?" how much for comprehensive 1years Insurance for 40year's no claims, now aged 66years old." Home equity loan insurance? We are remodeling our home for $150,000 and are wondering about home equity loan insurance. The bank offers insurance, but I'm wondering what our other options are. How much should we get and for what ( disability/unemployment/accidental death)? Thank you!" What is the cheapest car insurance in NY? I heard AIG is very inexpensive My friend is buying himself a truck but needs the cheapest insurance he can get. he lives in new york and that seems like a contradiction LOL Insurance question?


if you are being sued for a car accident how much will the insurance company cover up to "Are there any good insurance companies who dont take part in comparison websites like confused, gocompare etc?" Are there any good insurance companies who dont take part in comparison websites like confused, gocompare etc?" How much would insurance be on property based business? i have a few acres and was wondering what the insurance would be if i decided to open up a atv/rv park on my land~i would have a waver that made sure all that rode would be rideing at their own risk etc.plus any other limations you could think i might come acrross~ Can someone give me advice on good health insurance that offers maternity coverage?? I am looking into individual health insurance because my hubby and I are trying to conceive and I don't have any. I know I need to have it BEFORE i become pregnant. I don't know a thing about insurance and can't seem to find any insurance companies that offer maternity coverage.......I work for a temp agency and have worked for them for a year and a half and their insurance is astronomical so I'm looking on my own. My hubby doesn't have insurance where he works as a mechanic so i can't get it through his insurance. Any advice would help!!!! What heathcare insurance plan make the most sense? I'm looking to purchase health insurance in Ohio for myself and my wife. We have no ongiong medical conditions and are in good health. What deductable and co pay make the most sense for our situation? What provider has the most options or is most popular and easy to work with? Comprehensive car insurance? my girlfriend and i both have comprehinsive car insurance on our seperate cars... does this allow us to drive each others cars too? i dont know if theres an age limit to it? im 21 shes 19 thanks anthony Is there a way to find out someones insurance company only with their name and address? i also have a license plate number. is there a website i can go to that i just type in someones name and their insurance company pops up? Car insurance question? Okay, I'm 18 and I've been driving for over a year now. I was wondering if my car insurance payments will decrease because I've been a good driver. I currently pay


$275 a month for my mother and I. Anyone know if my payments will decrease and if so by about how much? Oh yeah, I live in southern California if that means anything. Any help would be greatly appreciated." Is it worth getting motorcycle insurance? Im about to buy a Drz400sm with a loan. I like to know snice I have a loan should I get insurance coverage on it and what type of coverage like theft for sure im getting it if I do buy insurance. What other coverage should I get for it. I just turn 18 with a super clean driving history and Im planning to take a motorcycle safety course so how much will you believe insurance will coast me on the drz400sm. What are some cheap insurance companies too by the way? How much is insurance on the new Morgan? You know the wooden car? Car Insurance Question? I am buying my first car....a pre-owned 2008 nissan altima 3.5 sedan (4 door) I would love to know how much im looking into for insurance and which company would be best for a new car owner/college student Geico Progressive State Farm etc..... Any information would be beneficial What is the average cost to deliver a child without insurance? What is the average cost to deliver a child without insurance? Affordable dental care? where can i find affordable dental insurance in illinois? Can i insure my car under my dads name? so im an 18 year old boy right now i drive my dads old car under his insurance, and the registration is in his name, and thats all fine and everything. however my mom is renewing her drivers license soon (she had an accident that didnt allow her to drive for a few years) so my dad is giving her the mini van back and obviously, taking his car back. luckily, i have been anticipating this happening, as all good things must come to an end, and have saved up for a car of my own. i found one, and i went to get an insurance quote and found it was near $90 a month under my name. I put in the same coverage but with my dads information this time and got a quote of $30 a month for the same car. (because apparently 18 year old boys are dangerous drivers or something?) any way, what i am wondering is can i buy the car, and get it registered in my name, but have the insurance covered under my dads name? or should i just give my dad the money for the car and have him buy it and put it in his name and under his insurance but i just drive it, much like what we do now?" What is pay and go car insurance?


I'd like to drive my dads car for a couple of months through the summer until i go to university, it would be pointless getting a whole years policy as ill be gone in 3 months, i understand pay & go car insurance is one-monthly deals. Am i right? could anyone give me some more information ? Thank you" What options exist for pregnant women who make too much for Medicaid but cannot afford health insurance? I am not pregnant yet, but we are trying. My health insurance does not include maternity. I could purchase it but first off we can't afford it and secondly I would have to wait a year to use it. Our first son's birth was covered by Medicaid because we were under the poverty level at that time. Now I know that we would not be able to get Medicaid. What options are out there for me? I have heard of Maternity Card. I would love to hear your opinions and personal stories. Thank you for sharing." Is a Kawasaki ninja 250 or a Kawasaki KLR650 cheaper insurance? I'm looking for a first bike, I am 16 years old, 150LBS, 5'11''. Money is an issue so I will be getting maybe an 08 ninja or an older duel sport bike. Anybody have any estimates and anybody have any suggestions? I will only have about $3000 to spend. I am looking for liability insurance." Who is looking for affordable health insurance? life insurance, health insurance, long term care" la auto insurance quotes la auto insurance quotes About how much is basic auto insurance? for a used 94 toyota camry in los angeles the main driver is 25 and has a good driving record. How much do you think insurance for an Acura RSX would be? I'm 16 years old and I want to buy an Acura RSX. Does anybody have any idea about how much insurance might be? I live in California. 19 years old and cheapest insurance i've found is 4.5k WHATS GOING ON? Right basically i'm 19, recently past my test tried looking at every single type of car there is even with pass plus discount and it's barely even gone below 6000 (4500 wasn't even what i found, it was my sister that probably got one of my details wrong) I've even tried having parents as named drivers and i cant think of anything else i've not already tried. Even friends i know have had it less than 2000 and at the moment i'll be happy to get below 3000 Pleaseee help!" COBRA Health Insurance Florida?


Where can I find a cheaper health insurance plan to replace my COBRA health insurance offered by my former employer? What insurance company in America is insuring Smart Cars? I have a 2007 Smart and my insurance has recently informed me that they will not renew my coverage because of the type of car that it is. What cars have the best insurance rates? What cars have the best insurance rates? Car Insurance Help!? Will my rates go up? Today when I got outta school, I was about to drive home and i found a huge dent on the passenger side door. So it was a hit and run I guess. Nobody left any note or anything. I drove the car home and called the cops to get a police report. the cop gave me a card with her name and the case number, but she said that if i file a claim with insurance, the company will either drop me or increase my rates. I'm a 17 year old boy and i live in maryland and im insured under geico. will my rates go up? Thanks" What type of sports bike should I get for great MPG and low insurance? My Lexus RX350 is eating up my gas money and I want a motorcycle to have some fun on while saving some gas. I am 5'7 and am a beginner taking a bike safety course that teaches me how to ride safely. I am looking for a bike that gives great MPG and something that will not cost me an arm and an leg for insurance. I'd also want something sporty and great on the HWY. I live in Southern California so there'll be lots of HWY driving and some streets. Thanks How can I get dental and medical insurance? I turned 18 back in 2011 and now I'm not on my mom's dental or medical insurance. How do I get dental and medical coverage? Is it legal to have two different auto insurances on two different cars but are both in my name? I have 2 cars, I just bought one cash. So I already have full coverage on one car and its paid for 6 months, and I want to add insurance on the other but with a different insurance company because it is cheaper and I will be getting only liability. Is it legal to be carrying different insurances or are they required to be both with the same company? I live in Texas!" Car Insurance Settlement? Ok about 3 weeks ago I was rear ended while my car was stopped on the freeway. The guy hit me doing about 30mph. I have had back and neck problems ever since. I have been seeing a chiroprator on a weekly basis. Also it was a hit and run but I was able to get his license plate number. I live in California. Ok so his insurance company


called me trying to settle for 1000 plus my medical expenses. The problem is I don't now what my conditions will be like in the future. Also how many times will his insurance call me and change the offer? How would I get insurance on a car being leased in someone else's name? My sister and brother in law have the car financed at a bank in a small town. They gave the car to me as long as I made the payments on the car. We don't intend to refinance the car into my name, however how would I be able to obtain auto insurance if my name is not on the original title?" Car Insurance? Which insurance company do you have that has given you really cheap rates? I'm 22 yrs old, anyone around my age group with cheap auto insurance?" "Can you NOT have car insurance ? ? and if you buy a car in cash , what is the tax on that ?" okay i'm new to America and i'm planing to buy a car for about 14000 in cash , do you need to get insurance ? and is the tax on cars the same as sales tax ? , and any info about buying my first car ! would help !" My insurance and buying a new car? Ok so I've been recently driving for more than 2 years and i haven't been in any accidents (knock on wood) and I've been looking into buying a new car (current car is 22 years old). Buuuuut my dad told me since that we're with Mercury insurance, i have to wait a total or estimate of three years to buy a new car without my insurance going through the roof. Do i really have to wait another year to buy my car???? Should i just wait? I plan on buying a 2014 Chevy Cruze 2.0TD" I need car insurance? I'm 18 don't no anything about insurance I don't no where to start PLEASE HELP........ WHAT LIFE INSURANCE IS BETTER? Should my husband get whole or term life insurance? Is it cheaper to get insurance on the same car or on a second hand car? hi im taking driving lessons and my test is soon. I want to know if it is cheaper to get a second hand car and get insurance on that or get insurance on my brothers car. Which one is cheaper? What is the best health insurance? what is the best health insurance?


Is it illegal to drive without car insurance? My Sister has car insurance and she told me to take her to her destination, but i don't have car insurance under my name and im afraid that if i get pulled over for some odd reason and ill get busted for not having insurance." Will obstruction of plate show up on car insurance? I got a ticket for obstruction of plate this morning and I was wondering whether this will show up as a record on the insurance. I would rather pay it off myself because I don't want my parents to find out. Also, will it increase the rates? I read somewhere that no proof of insurance can increase rates, but I got a ticket for that awhile ago, it didn't affect anything." Insurance for 16 year old? I turn 16 and get my license in June(I'm a guy). I'm getting a 2003 Toyota Rav4, and going through Travelers on my dad's plan which has 5 cars on it already. How much will liability and collision cost for me?" What should 17year olds be paying for? What should a 17yr old, still in full time school be paying for if they earn 130 ($260) a month and pay 50 ($100) a month towards car insurance. Should things like a normal haircut be paid for by parents etc? Just wondering about your opinions!" Can insurance rates go up if...? If you have a provisional license issued and you get a citation for carrying passengers in your car before your 5 months is up, can your insurance rates go up? If so, how much?" Question on car insurance and speeding ticket? I was driving my friend's car and got a speeding ticket with 4 points (later reduced to 2 points). I didn't have my friend's insurance or my insurance in the car, but the officer let that one go. The car was from another state, and my license was from a third state. How will this affect the insurance rate? Also, I am under 21 and do not have my own insurance (I am under my parent's insurance) Additionally, is it possible that this could affect my friend's insurance rate? Thanks for the help." la auto insurance quotes la auto insurance quotes Can i drive with just insurance? is it ok for me to drive with just insurance on my car for a certain amount of time?


Cost of car insurance for a 20 year old male in california? Cost of car insurance for a 20 year old male in california? Open car insurance policy? My dad is looking at buying me a 200 car to use but so far the cheapest insurance I can find is 4.5 grand. I have heard about open insurance policies and was wondering if my dad got the car and policy in his name would it work out cheaper for me to drive it like that? Also what companies do these policies and how would I go about getting one? I have my driving test soon need insurance help im 17 could go on mums insurance but lowest quote is 1500? and thats with a box in the car but lowest quote without box in lowest quote 3500 and lowest quote on my own insurance 4000 her car is a 1.4 54 plate fiesta on my own it would be a banger old car Registering a car and car insurance? So I just got my license last wednesday and idk which step comes first. Do I register the car first or do I buy insurance first? What are some good homeowner insurance companies in Louisiana area ? i want to have different quotes from different companies ! but i don't know much about this.. by the way what is the average premium homeowner insurance in LA ? Is there a car insurance that will give a young driver a reasonably quote? i recently purchased a mk1 ford fiesta. theres no mods to the car and tax wise i think its a classic. its a 1984. i have wanted a mk1 fiesta for years now and its the car i want to drive. im 17 and the cheapest quote on any car ive been given is 2000. are there any companies that will give me a good quote on my fiesta Why would young people refuse to sign up for inexpensive health insurance? Don't they know they will soon be older people in need of affordable health care? Or that community rated affordable insurance depends on a high rate of participation? Why would they want to subvert a system they will soon depend on? Scooter insurance - where can i get cheap scooter insurance for my 16 year old son ? My 16 yr old son is being quoted stupid prices - he has a 49cc and has past his cbt. can anyone suggest a company who specialise in young riders ? I want to get my car insurance. So how much does the average cost get for 19yrs?


how can i know that the my car insurance cost which can help me for further analysis of budget. How much does it cost for tow truck insurance? How much does it cost for tow truck insurance? Car insurance for age 17? Well going sound awkward but i want a car without out parents knowing, been working for 2 years got enough money can prove to insurers where i got the money from im 17 and is it possible to get insurance at my address (real address where i auctally live) but i want the paperworks to be sent to another address or they contact me by email because family wants me to get a car when im 25 however im going uni so i really need a car also im not going to any fraud everything will be legit just need to make sure if i can insurance and only i know about it thanks" Is driving a motorcyle dangerous? and will it raise my insurance prices? is a motorcycle more dangerous than a car what are the pros and cons. i am considering it for the good gas millage i am 18 yrs old (clean record) -- will it increase my insurance costs Let's not have universal health care but just make health insurance more affordable? and have the insurance companies take out take all these pre existing condition clauses. Then we don't have to worry about giving health care to illegals or higher taxes. Does anyone agree with me? Where do i go to see a physician without any health insurance in California? Hi , I'm 21 and I don't have any health insurance, I want to see a physician so I can get more information on estrogen pills because I want to have smoother skin and look more like a girl than a man but i still want to keep my man-hood . Can anyone help?" Buying a car but don't have insurance? I'm in the process of getting my first car in my name on my own insurance.. How do I go about doing that? I can't get the insurance without knowing exactly what car I am getting, but my understanding is that I can't drive the car off the dealers lot until I have insurance in order to drive it home? What to do? Thanks, Chris" I NEED A CAR INSURANCE EXPERT!!!? I'm a first time driver (with provisional license)... I don't get it, why does insurance cost more (4000 - progressive) for 2005 Nissan Frontier then for a 2003 BMW z4 (2500 Progressive).... and its not only that, it costs less for a corvette then for a v6 mustang... And its like that for all insurance companies from e-surance to Geico, can anyone explain why or if it even will be that much less?!?!? i mean its more for a BMW 325 4dr (2900 - progressive) then for the BMW z4... How is this possible... Will it cost


even less if i get it on my mom's policy? BTW i know BMW are expensive to maintain, but i got a job that i believe will cover everything... do they make z4 4 cylinders or is it only 6? Based on the lowest type of insurance that an 17 year old can get from internet quotes... Ty in advance!" Best rate auto insurance? i live in North york, On, CANADA i need best rate for auto insurance where i live" How much is an SR22 insurance cost? More or less... How do I get health insurance? Ok Im 20 and I don't think I have health insurance. I want insurance to cover basic health and dental too. How can I get health insurance that is cheap and affordable in California? Thank you Which type of Insurance help more in tax deduction? I am earning more than 3 lacs per annual, now i have to pay tax but i have heard from my colleagues if i do invest in some insurance policy tax deduction will be less.So in which type of insurance should i invest?." Car insurance!!!! HELP? Hi i have just rung up Diamond car insurance to find out the cost of getting some car insurance and paying monthly! they said i need to pay a deposite of 200 quid and then my monthly payments are 200 quid. In my first month do i pay both the deposite and the monthly payment or just the deposite!??????? xxxx Could anyone tell me if there are dui/dwi exclusions in states that have no-fault auto insurance? Could anyone tell me if there are dui/dwi exclusions in states that have no-fault auto insurance? How much would insurance for 2009 Ford Focus be? Estimate? I'm wondering how much insurance would cost for the 2009 Ford Focus for a 17 year old girl be? I want to buy a 2009 Ford Focus when I turn 17 not this coming up January but next. Oh and prices of how much the car costs would be nice too. Thanks! Can i get cheap car insurance if i provide a different address? I'm living in a busy area where theres alot of traffic and cars, i wanna give my dads address because it much more quiter there, ive heard you can nock back sum money


if its in a quiter area and not much traffic. Any ideas or is that jus made up. or is there any other ways where i can reduce my car insurance." la auto insurance quotes la auto insurance quotes Affordable maternity insurance? Affordable maternity insurance? Does California vehicle insurance cover broken windshields? A turkey vulture smashed my windshield yesterday. I have full coverage insurance and they told me I would have to pay my $500 deductible. In other states I've had windshields covered for free. *ONLY the windshield was damaged*. No other parts Car insurance????? what is the cheapest and the best for full coverage? I have a question about auto insurance????? The other day someone was giving me a ride. We stopped by a store and when i opened the door i scratched a ladies car. The lady was pretty mad and she took the license plate number and the name of the insurance. Today the guy that gave me a ride says that she called the his insurance and now i have to pay the cost of the damage. Is this guy pulling my leg or can this be true? Affordable health insurance in florida? im 17, will be 18 in november, and i need to find health insurance. i need it to cover dental (orthodontics), prescriptions, and mental health services (depression, bipolar disorder). i am a non smoker, and i have no kids. please help!!!" Insurance Cost? what is the monthly insurance cost for a new cadillac escalade for a 32 year old driver with a perfect record Insurance on a car for first time driver? Hi there, Im hoping to take my driving test very soon do I have started looking at second hand cars. I have typed a couple into comparison sites, but seem to be getting 2000+!! I was just wondering if you could give me a list of cars 1litre or 1.1litre that would be cheaper to insure. Im 27 and have 2children, if that makes any difference to insurance? Thankyou" How to get off an auto insurance policy?


about 2 years ago, my mom signed me up in the same insurance as her car...i do not drive her car and never did, however, we still pay 80 bucks extra a month, i want to get off of that insurance but i hear its much trickier than it seems. The car i drive is already insured, but not under my name. Is that legal or not? I live in illinois if that helps. how should i go about removiving my name from this insurance company?" I am 19 years old whats the cheapest car insurance for a old ford ranger wit a lot of miles on it ? I am 19 years old whats the cheapest car insurance for a old ford ranger wit a lot of miles on it ? Cheapest car to insure for a first time driver? Does anyone know what type of car is cheapest to insure for a first time female driver? and how much on average would you say it would cost to insure a 17 year old female? "50cc Scooter, insurance?" Hi, I have just passed my CBT for a 50cc scooter and hold a provisional licence for the UK. I am 16 and passed the CBT on 24th August. I am looking to buy a 49/50cc scooter but I have found that the insurance is extremeley expensive. I have looked around and filled in quotes from comparethemarket.com and the Post Office but the insurance I want (third party fire and theft) always seems to come out at around 300 a year! I know that some people pay only 50 a year for their 50cc insurance. Does anyone know where to get a better deal? Or does anyone have any tips? Thanks" Anybody know of any car insurance co's that will give auto insurance policies to 17 year olds?? I have a 17 yr old that has already gotten 2 tickets so I want him off my policy - as he is making it too expensive for me to afford - I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn't drive - He has a license and has to be covered under my policy because he lives with me - so I can't take him off til he gets his own insurance. My problem most co's will not issue a policy to anyone under 18 (PS - we live in New Jersey) Will it be cheaper to pay the $1000 fine for not having insurance then to purchase insurance? There is no incentive to buy insurance...just a whip if you don't. Maybe a small example; Dude and his girlfriend, who voted for Obama, are a young couple living in an apartment. They own an old car that they are always trying to keep running and Dude has bounced off of a couple of jobs while his girlfriend is looking for a part-time that she can hold on to. They can't afford the payments on a new car or health insurance. Dude gets a new job but time is running out. It's coming up on tax return time and they NEED that f'n money! But it's too late...they are going to lose the whole tax return to fines now and will owe more for the fines than the tax returns were going to be anyway...so they buy insurance and wonder how they are going to pay the rent, much less eat."


Is my daughter covered under my car insurance? My 18 year old daughter finally got her drivers liscense (how i do not know) She has had it for four days. Last night I let her drive before I put her on my car insurance. She hit a car . I wanted to pay the guy out of my own pocket but it looks to be $4000 in damage. Im pissed . How to Insure a used car dealership? I just opened up my own little used car dealership and I was wondering what kind of insurance I would need. I'm not doing any repairs of any sort so garage keepers insurance is unnecessary. I currently don't have any employees so I also won't be needing workers compensation. But just for the lot and for the sake of my business what kind of coverage do I need. Thank you soo much. How much is car insurance typically for a 19 year old in Burlington/Montpelier Vermont? This would be on an independent coverage, not part of parents plan. It would be a Jetta (if that matters at all)." Harley Davidson Insurance -Typical Cost? I am a 19-year old male who has been riding a motorcycle for about 3 years and took a rider safety course. I was wondering what possible insurance costs would be for a Harley 883 Sportster, probably a 98 or newer (probably nothing newer than a 2005 though). Specifically, I was wondering about American Family Insurance (but any general info would be appreciated too). I am looking to upgrade my bike (along with the size of my engine, ive been driving a 250 for a while now). I beleive american family cant even cover sport bikes for a rider like me, so i was thinking about getting another cruiser/standard style bike. i have kind of been drawn towards Harley, but if insurance is too expensive, ill have to look for something else. Does anyone have any other suggestions for bikes? or general info? thanks" Affordable dental insurance? I need two teeth fixed, one molar extracted and braces, prefer the invisible kind. I'm looking for some dental insurance, that's inexpensive, that will help cover paying for these things." "Roughly, how much do you think car insurance would cost me?" I was wondering if anyone knows roughly how much it would cost for a seventeen year old girl to get car insurance? All the websites I have tried keep asking me for details about the car I'm trying to insure. I don't have a car yet, all I want to know is if I did, roughly how much would it cost to insure?" Personal loan insurance?


Hi. Does anybody know how personal loan insurance works? I lost my job few weeks ago and can't afford to pay back my loan. I need to suspend it for about three months. The question is how do They solve it? will they cover whole instalment and I don't have to pay anything to my bank? Does interests increase?If they pay ex couple of times whole amount to bank as instalment will duration of loan stay the same?Will they also pay me anything due to I am staying home?Will I have to pay them back when all things get solved and ok?Have anybody had the same situation? It's Halifax insurance What are your opinions about the different car insurance companies? Which one is the best? I currantly have Geico for our auto insurance. They are cheap but i am seeing why. thier customer service SUCKS. i would really like some opinions on different car insurace companies. Thanks!! Could I swap my 50cc scooter's insurance to another bike? Hey everyone, I was wondering if I sold or swapped my 50cc scooter and got a 50cc geared bike could I get the insurance from the scooter and put it on the new geared 50cc? If so would it affect anything? or cost me money? Would be a massive help if someone could help me out! Thank you for advance :) Information which might be helpful: I paid for 1 year in one payment (annually). I paid for the insurance last month so I still have a lot of insurance time left. Don't want to waste money!" Best car insurance today? I just got my car licence.. and I'm looking for a place to inform me about car insurances. Thanks What is life insurance? Life insurance is suppose to be used as a protection of income. In case you die, your family is protected from devastation of substantial income loss. But, many insurance companies are selling it as an additional source of income or as an investment, which is really is not. Therefore, many families who have life insurance are underinsured because these cash value life insurance are very expensive. If you are using life insurance solely for the purpose of saving up for a goal or emergency, why aren't you investing it in mutual funds or put it into an IRA? If you are afraid of the stock market, then open a money market account. If you are saving up for your kids education, then open a 529 plan. All these alternative ways are better than keeping your money in a life insurance because you never have to pay it back if you use them. As to life insurance, if you use any of the cash value, you will have to pay it back with interest." Insurance and bmv question? If I have to show insurance to the bmv and they tell me I have to show the insurace at time i got pulled over do they check with the insurance company to see if you really had insurance at that time? la auto insurance quotes


la auto insurance quotes


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