Archive for January 2015

Tutorial New Media (Line For Android)

Admin 4:53 PM Add Comment
Admin


Kembali kami ditugaskan dalam pembuatan tulisan mengenai new media. Pada kali ini kami dibagi menjadi beberapa kelompok dan masing-masing kelompok ditugaskan dalam membuat video (apapun) tentang new media. Hingga pada akhirnya kami (kelompok saya) memutuskan untuk membuat video tutorial tentang LINE.
Pertama-tama saya akan menjelaskan sejarah tentang Line.

Sejarah  
Line dikembangkan oleh perusahaan Jepang bernama NHN Corporation. Line yang didirikan karena bencana gempa di Jepang tahun 2011 ini saat ini, informasi dari Reuters (15/08), telah menarik 50 juta orang pengguna. Ingin menambah jumlah pengguna dan jaringan, Line mengincar pasar Amerika Serikat dan China.

Sejarah berdirinya Line dimulai ketika gempa besar yang diikuti tsunami di Jepang pada 2011. Saat itu, karyawan NHN, perusahaan pemilik Line, terpaksa harus berhubungan melalui internet satu sama lain. Oleh karena peristiwa tersebut NHN terinspirasi membangun aplikasi yang mampu melayani berbagai kebutuhan konsumen dalam satu platform.

LINE mulanya hanya dapat digunakan pada sistem iOS dan Android. Setelah sukses pada kedua sistem tersebut LINE masuk dalam sistem operasi besutan BlackBerry. Lalau pada tahun 2012, LINE resmi meluncurkan aplikasi yang dapat digunakan pada perangkat Mac dan Windows.

Kesuksesan Line sebagai aplikasi pengirim pesan instan terlihat dari pengguna yang mencapai 101 juta di 230 negara di dunia. Line menduduki posisi 1 dalam kategori aplikasi gratis di 42 negara, di antaranya Jepang, Taiwan, Spanyol, Rusia, Hong Kong, Thailand, Singapura, Malaysia, Macau, Swiss, Arab Saudi, Uni Emirat Arab, dan lain-lain.

Di Indonesia sendiri line membuka kantor resmi pada pertengahan 2012 dan lokalisasi konten aplikasi indonesia direncanakan akan selesai tahun 2013. 
Konsep  
Awalnya Line merupakan sebuah aplikasi berkirim pesan dan telfon yang beberapa waktu lalu bekerja sama dengan Telkomsel untuk menghadirkan Bloop sebagai sticker. Percakapan pada line tidak sekedar kata- kata melainkan adanya beberapa gambar lucu (stikers) yang bisa dikirim ke pengguna lainnya. Tidak hanya stikers, line juga menyediakan free call. Free call memungkinkan pengguna menelfon pengguna line lainnya tanpa menyedot pulsa. Tetapi free call dapat terjadi jika anda memilik paket data yang dapat menerima data dalam skala besar. Selain itu line juga bisa berupa audio message (pesan suara) yang dapat anda sampaikan kepada teman anda.

Selain dunia komunikasi dengan sesama pamakai line, line juga bisa digunakan untuk mendeskripsikan diri pengguna sendiri. Line saat telah menjadi seperti Facebook dan Path dengan tambahan fitur – fitur Home dan Timeline.

Untuk menambahkan teman di line dapat menggunakan nomor hp saja, maka saat proses instal line maka segera aktif dan mendata kontak di phonebook pengguna yang menggunakan aplikasi line dan sekaligus menjadi teman. Selain menggunakan no hp, user ID dan shake it juga disediakan Line untuk memudahkan pencarian teman.
Teknologi

Line menawarkan fitur-fitur unggulan, yaitu: 
  1. Sticker, merupakan gambar yang merupakan bagian dari IM smiley. Anda dapat menggunakan sticker pada tab sticker. Terdapat 255 sticker menarik untuk mengekspresikan perbincangan dalam bentuk gambar.
  2. Attachment, anda dapat melampirkan file untuk anda kirim ke teman Line anda seperti suara, gambar, dll. 
  3. Call, dengan sesama pengguna Line anda dapat menelpon teman Line anda tanpa bayar karena memanfaatkan jaringan internet. Panggilan dari pengguna Line akan dihubungkan oleh koneksi internet yang dihubungkan ke server lalu diteruskan kepada pengguna aplikasi yang dituju, dengan begitu para pengguna dapat saling melakukan komunikasi suara, atau panggilan suara. 
  4. Menambahkan teman pada line ada beberapa cara yaitu 
      • Contacts Dengan menggunakan contact yang sudah ada di list smartphone atau tablet kamu, dan Line secara otomatis akan melakukan sinkronisasi serta menampilkan secara otomatis ID teman anda yang memiliki ID line dengan nomor tersebut. 
      • QR Code Fitur ini gratis dari line, kamu dapat memiliki QR code yang menjadi kode unik untuk ID kamu, sehingga jika ingin menambah teman , bisa dengan menggunakan QR code dan smartphone lain akan melakukan scanning menggunakan kamera smartphone atau tablet mereka. 
      • Shake it! Fitur ini menjadi fitur yang unik dan jarang sekali dimiliki oleh sebuah aplikasi messenger dan chatting. Dengan mendekatkan kedua smartphone atau tablet dan menggoyang-goyangkan maka secara otomatis akan saling add line. 
      • Search by ID Fitur yang sudah umum dan wajib ada, dimana dengan mengetikkan ID line yang ingin di add, dan line akan mencari serta menampilkan ID tersebut jika berhasil menemukannya. 
 5.     Fitur Home hadir seperti kebanyakan jejaring sosial lainnya. Fitur ini memungkinkan para pengguna       untuk melakukan update status dan juga memantau status pengguna lainnya. Namun tidak hanya itu, ada hal berbeda yang dilakukan Line pada menu Home-nya. Seperti yang kita tahu, aplikasi yang berasal dari Jepang ini sangat terkenal dengan fitur sticker. Nantinya, Kamu dapat membagikan sticker favoritmu di Home menu-mu. Masih kurang? kamu juga dapat membagikan teks, gambar, smileys dan kamu bahkan dapat memberikan sticker ketika sedang mengomentari status seseorang.  Timeline. Pada fitur ini, kamu dapat melihat seluruh status, komentar, dan konten yang dibagikan oleh teman-temanmu. Fitur ini tidak jauh berbeda seperti yang dimiliki Facebook dengan News Feed-nya.
6. Line GameSelain anda chatting, anda juga dapat memainkan game bersama teman anda. Sehingga anda tidak akan kesepian untuk bermain game sendiri. 
7. Group chat Pada fitur line dapat menciptakan sebuah group yang dapat menampung hingga 100 anggota.
8. Sticker shop adalah fitur yang menyediakan sticker karakter-karakter lucu yang bisa disisipkan pada saat chat dengan teman. Stiker lucu dan menyenangkan yang menampilkan karakter terkenal dari seluruh dunia dapat ditemukan di sini.
 
9. LINE Camera, fitur yang disediakan untuk menghias foto – foto dengan pernak-pernik lucu yang kemudian bisa dishare ke seluruh teman.
10. LINE Card, fitur untuk memberikan kartu ucapan kepada seluruh teman . Kalo ada yang ulang tahun, kasih aja kartu ucapan dari LINE Messenger.
11. LINE brush, fitur ini memberikan kesempatan pada pengguna line untuk membuat lukisan melalaui smartphone. Selain itu fitur ni juga bisa digunakan untuk menghias foto – foto. 
12. Wallpaper, bisa mengubah wallpaper di dinding chat sesuai selera.
Kelebihan dan Kekurangan
Kelebihan : 
  1. line memberikan layanan free call sehingga dapat melakukan panggilan gratis bebas pulsa yang hanya menggunakan jaringan internet.
  2. Grup Messenger bisa sampai 100 anggota 
  3. Line mempunyai nomor telphone sebagai Account ID seperti Whatsapp,tapi juga bisa mempunyai User ID untuk mempermudah orang meng-invite ID kita dan menyembunyikan nomor telphone kita jika itu privacy. 
  4. Selain itu line juga menyediakan Add friend melalui QR code dapat dibuat gratis melalui line,sesuatu yang jarang di aplikasi serupa. 
  5. Di line selain menyediakan emoticon dan autotext juga menambah tambahan baru yaitu Stickers, hampir serupa dengan emoticon tapi dengan expresi lebih banyak dan besar,dan juga ringan. 
  6. line menyediakan fitur Block/Black List ID atau No HP yang tidak kita inginkan, dan juga menyedikan fitur keamanan password untuk menghindari orang lain membuka dan melihat isi percakapan kita. 
  7. line memungkinkan digunakan di OS Windows/MacOS, jd yang belum mempunyai Smartphone Ber OS IOS (Iphone) atau Android bisa Coba lewat PC 
  8. Di line kita dapat mengetahui bahwa pesan kita sudah dibaca oleh pengguna lain, sehingga ada tulisan read nya.
Kekurangan : 
  1. menurut saya Koneksi Data dari line masih belum terlalu stabil, masih belum sebaik whatsapp dalam mengirim dan menerima data.
  2. Untuk fitur Call akan berjalan lancar jika jalur data minimal 3G/HSDPA. 
  3. Belum bisa untuk OS, winphone, symbian dan sebagian BB. 
  4. Seseorang dengan bebas menambahkan teman tanpa meminta persetujuan kepada teman yang dituju.
  5. Free Call hanya bisa dilakukan bila versi yang digunakan sama. Jadi harus selalu update line Messenger.
Keamanan  
Menurut saya untuk keamanan dalam pemakaian line sangat baik karena pada line terdapat sistem block teman. Kita dapat memblok orang yang tidak kita kenal. Selain itu line juga menyediakn password supaya chat kita tidak bisa dilihat oleh orang lain yaitu dengan fitur passcode lock. Untuk timeline dan home-nya juga bisa kita privacy dengan cara menandai siapa saja yang bisa melihat timeline maupun home kita. begitu juga jika kita tidak ingin melihat timeline orang lain kita juga bisa memilih timeline hidden list yang berguna untuk menyembunyikan timeline orang lain.
Pemanfaatan dan Pengembangan Masa Depan
Awalnya pemanfaatan line itu sendiri digunakan sebagai instant messaging. Dengan adanya penambahan – penambahan fitur maka line bisa dikatakan sebagai jaringan sosial. Line juga bisa mengikuti jaringan sosial lainnya seperti facebook dan twitter. Line menyediakan timeline, home, chat, free call, audio message, attachment, dan games. Hal ini menjadikan line bisa bersaing denga jejaring sosial yang lainnya.

Menurut saya pemanfaatan dan pengembangan line dimasa depan, line tidak hanya digunakan sebagai media hiburan semata tetapi juga bisa digunakan dalam berbagai bidang misalnya sebagai media pendidikan, media politik dan lain – lain. Misalnya dengan adanya fitur – fitur pada line mampu meningkatkan daya kreatifitas anak-anak untuk selalu berkreasi.Line bisa menambahkan fitur lainnya seperti conference call, video call bagi penggunanya. Selain itu line bisa dikembangkan di berbagai platform. Karena untuk timeline dan home tidak mengizinkan untuk pengguna Line dengan iOS Devices. Karena line lebih mendahulukan android.
Sekian ulasan sedikit tentang sejarah line.
Berikut videonya dan sedikit deskripsinya dari kelompok saya :
Video :


Materi dalam video kami berisi :
1. Download dan mendaftar LINE
2. Menambah teman dan Block, hide teman
3. Fitur-fitur pada chat
4. Stiker dan tema
5. Timeline dan profile
6. Free call, video call dan account
7. Notification dan privasi
8. Memberi tau teman dan delete account

Dibuat oleh:
54413432 Intan Della Vania
53413667 Gebi Farizki
54413205 Idham Chalid
58413718 Sutri Hartono
52413723 Dwiky Imam Pambudi
59413318 Winda Febri Satriani
53413594 Fuad Kasyfurrahman
52413248 Devangga Reza Suksmana (Editor)

Note : bila video berikut tidak dapat diputar, silahkan akses di sini.

Referensi :
http://blog.politekniktelkom.ac.id/30210133/2013/01/18/line-social-media-dari-jepang/
https://id.wikipedia.org/wiki/Line
http://blogs.itb.ac.id/edurepository/2012/11/26/line-messenger/
http://kutu-rpl.blogspot.com/2013/03/fitur-line.html
http://www.makemac.com/dua-fitur-baru-line-memberikan-rasa-jejaring-sosial-yang-kuat/
http://droid-indonesia.blogspot.com/2012/03/line.html
http://www.teknologiku.info/aplikasi-android-telpon-dan-sms-gratis-dengan-line.html
http://jalantikus.com/news/read/701/cara-add-friend-di-line

Tulisan Tentang " HOBI "

Tulisan Tentang " HOBI "

Admin 4:05 PM Add Comment
Admin



Hobi merupakan serapan kata bahasa inggris dari "Hobby", Apa itu Hobi ? Ya, mendengar kata hobi pun saya sudah dapat mengartikan bahwa hobi merupakan suatu aktivitas atau kegiatan yang digemari seseorang yang dapat dilakukan kapan saja, di waktu luang bahkan disaat kita sedang bekerja pun kita juga dapat melakukan kegiatan yang kita gemari untuk memenuhi kepuasan maupun menghilangkan rasa stress atau pikiran yang sedang kacau. Terkadang saat orang lain sedang melakukan kegiatan yang digemarinya, kita juga ingin tahu apa sih yang digemari orang itu ? lalu kita mengikuti kegiatan orang itu dan kita menyukainya, kita melakukannya terus setiap saat sehingga tidak sadar bahwa kegiatan tersebut telah menjadi hobi kita.
Berikut ini saya akan menceritakan sedikit tentang kegiatan yang saya gemari.

1. Bermain Game
 
Ya, siapa yang tidak suka bermain game. Semua orang di dunia ini pasti suka bermain game, dari anak-anak hingga orang dewasa pun pasti bermain game. Game yang saya gemari adalah Pro Evolution Soccer, Dota, dan masih banyak lagi. bermain game dapat membuat kita senang sampai tidak sadar bahwa kita telah lupa waktu karena terlalu asik bermain game.

2. Online
  
Kegiatan yang satu ini paling tidak bisa saya lewati, setiap saat pasti saya melakukan kegiatan ini. mungkin ada orang lain yang seperti saya bahkan lebih dari ini. saya suka sekali online seperi Facebook,Twitter, Path ataupun Instagram. Karena aplikasi tersebut dapat membantu saya mendapat berita terbaru, ataupun jika saya sedang ada waktu luang dan iseng ingin berbagi cerita atau pengalaman, saya share lewat aplikasi tersebut.

3. Berenang

Saya sangat menyukai berenang, akan tetapi saya tidak melakukan kegiatan ini setiap saat, karena membutuhkan waktu yang tepat dan fisik yang baik. Walaupun saya tidak terlalu hebat dalam berenang, tetapi saya merasa senang dapat melakukannya dan membuat pikiran saya tenang dan tubuh menjadi sehat. Karena manfaat berenang tidak hanya untuk menjaga kesehatan tetapi juga membentuk tubuh lebih sempurna


Itulah kegiatan atau hobi yang saya gemari, mungkin kesannya terlihat bahwa saya orang yang malas, tetapi saya senang melakukan kegiatan tersebut.

Kesimpulannya, hobi itu merupakan kegiatan yang digemari seseorang. Jangan takut untuk melakukan atau menunjukkan kegemaran anda agar pikiran anda merasa tenang dan anda pun merasakan kebahagiaan. Tetapi lakukanlah pada waktu yang tepat dan jangan sampai lupa waktu.
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It's possible to trade profitably on the Forex, the nearly $2 trillion worldwide currency exchange market. But the odds are against you, even more so if you don't prepare and plan your trades. According to a 2014 Bloomberg report, several analyses of retail Forex trading, including one by the National Futures Association (NFA), the industry's regulatory body, concluded that more than two out of three Forex traders lose money. This suggests that self-education and caution are recommended. Here are some approaches that may improve your odds of taking a profit. Prepare Before You Begin Trading Because the Forex market is highly leveraged -- as much as 50 to 1 -- it can have the same appeal as buying a lottery ticket: some small chance of making a killing. This, however, isn't trading; it's gambling, with the odds long against you. A better way of entering the Forex market is to carefully prepare. Beginning with a practice account is helpful and risk-free. While you're trading in your practice account, read the most frequently recommended Forex trading books, among them Currency Forecasting: A Guide to Fundamental and Technical Models of Exchange Rate Determination, by Michael R. Rosenberg is short, not too sweet and highly admired introduction to the Forex market. Forex Strategies: Best Forex Strategies for High Profits and Reduced Risk, by Matthew Maybury is an excellent introduction to Forex trading. The Little Book of Currency Trading: How to Make Big Profits in the World of Forex, by Kathy Lien is another concise introduction that has stood the test of time. All three are available on Amazon. Rosenberg's book, unfortunately, is pricey, but it's widely available in public libraries. "Trading in the Zone: Master the Market with Confidence, Discipline and a Winning Attitude," by Mark Douglas is another good book that's available on Amazon, and, again, somewhat pricey, although the Kindle edition is not. Use the information gained from your reading to plan your trades before plunging in. The more you change your plan, the more you end up in trouble and the less likely that elusive forex profit will end up in your pocket. Diversify and Limit Your Risks Two strategies that belong in every trader's arsenal are: Diversification: Traders who execute many small traders, particularly in different markets where the correlation between markets is low, have a better chance of making a profit. Putting all your money in one big trade is always a bad idea. Familiarize yourself with ways guaranteeing a profit on an already profitable order, such as a trailing stop, and of limiting losses using stop and limit orders. These strategies and more are covered in the recommended books. Novice traders often make the mistake of concentrating on how to win; it's even more important to understand how to limit your losses. Be Patient Forex traders, particularly beginners, are prone to getting nervous if a trade does not go their way immediately, or if the trade goes into a little profit they get itchy to pull the plug and walk away with a small profit that could have been a significant profit with little downside risk using appropriate risk reduction strategies. In "On Any Given Sunday," Al Pacino reminds us that "football is a game of inches." That's a winning attitude in the Forex market as well. Remember that you are going to win some trades and lose others. Take satisfaction in the accumulation of a few more wins than losses. Over time, that could make you rich!
No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We've compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insurance Accident - This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision. Accident report form - This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued. Adjuster - This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. They will make the determination on how much will be paid on the auto insurance policy by the Insurer. Agent - This is a licensed and trained individual who is authorized to sell and to service insurance policies for the auto insurance company. At Fault - This is the amount that you, the policy holder, contributed or caused the auto collision. This determines which insurance agency pays which portion of the losses. Auto Insurance Score - This is a score similar to credit score that evaluates the information in your consumer credit report. These scores are used when determining pricing for your auto insurance policy. Negative marks on your credit report can increase your auto insurance premiums. The use of this information to determine policy pricing does vary from state to state. Automobile Insurance - This is a type of insurance policy that covers and protect against losses involving automobiles. Auto Insurance policies include a wide range of coverage's depending on the policy holders needs. Liability for property damage and bodily injury, uninsured motorist, medical payments, comprehensive, and collision are some of the common coverage's offered under an auto insurance policy. Binder - This is a temporary short-term policy agreement put in place while a formal permanent policy is put into place or delivered. Bodily Injury Liability - This is the section of an insurance policy that covers the cost to anyone you may injure. It can include lost wages and medical expenses. Broker - This is a licensed individual who on your behalf sells and services various insurance policies. Claim - This is a formal notice made to your insurance company that a loss has occurred which may be covered under the terms of the auto insurance policy. Claims Adjuster - This person employed by the insurance agency will investigate and settle all claims and losses. A representative for the insurance agency to verify and ensure all parties involved with the loss, get compensated fairly and correctly. Collision - The portion of the insurance policy that covers damage to your vehicle from hitting another object. Objects can include but are not limited to; another vehicle, a building, curbs, guard rail, tree, telephone pole or fence. A deductible will apply. Your insurance company will go after the other parties insurance policy for these cost should they be at fault. Commission - This is the portion of the auto insurance policy that is paid to the insurance agent for selling and servicing the policy on behalf of the company. Comprehensive - This is a portion of the insurance policy that covers loss caused by anything other than a collision or running into another object. A deductible will apply. This includes but is not limited to vandalism, storm damage, fire, theft, etc. Covered loss - This is the damage to yourself, other people or property or your vehicle that is covered under the auto insurance policy. Declarations Page - This is the part of the insurance policy that includes the entire legal name of your insurance company, your full legal name, complete car information including vehicle identification numbers or VIN, policy information, policy number, deductible amounts. This page is usually the front page of the insurance policy. Deductible Amount - This is the portion of the auto insurance policy that is the amount the policy holder must pay up front before the Insurance Company contributes and is required to pay any benefits. This amount can be within a wide range in price and varies from approximately $100 - $1000. The larger amount you pay in a deductible the lower your normal monthly/yearly policy will cost. This is the portion of the auto insurance policy that would be applicable only to comprehensive or collision coverage. Discount - This is a reduction in the overall cost of your insurance policy. Deductions can be given for a variety of different reasons including a good driving record, grades, age, marital status, specific features and safety equipment on the automobile. Emergency Road Service - This is the part of an auto insurance policy that covers the cost of emergency services such as flat tires, keys locked in the car and towing services. Endorsement - This is any written change that is made to the auto insurance policy that is adding or removing coverage on the policy. Exclusion - This is the portion of the auto Insurance policy that includes any provision including people, places or things that are not covered under the insurance policy. First Party - This is the policyholder, the insured in an insurance policy. Gap Insurance - This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed. High-Risk Driver - If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage. Insured - The policyholder (s) who are covered by the policy benefits in case of a loss or accident. Insurer - Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident. Liability insurance - This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state. Limits - This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses. Medical Payments Coverage - This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP. Motor Vehicle Report - The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period. No-Fault Insurance - If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC.. Non-Renewal - This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage. Personal Property Liability - This is the portion of the auto insurance policy that covers any damage or loss you cause to another person's personal property. Personal Injury Protection or PIP - This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage. Premium - This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you're driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live. Quotation - This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company. Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned. Rental Reimbursement - This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident. Replacement Cost - This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market. Salvage - This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement. Second Party - this is the actual insurance company in the auto insurance policy. Surcharge - This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault. Third Party - This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder's negligence. Total Loss - This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss. Towing Coverage - This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs. Under insured Driver - This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section. Uninsured Driver or Motorist - This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage. Vehicle Identification Number or VIN - A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver's side window on the dash. It can also be found on the vehicles registration and title