A leased car and not an owned one is something many Americans consider, especially if they happen to be in the market for a nicer, higher end and more expensive vehicle. Maybe it is a lifestyle choice, maybe it is aspirational, maybe it is a business need to project a certain image whatever the reason, when you drive and step out of a nice car, a certain image is already formed.

Now, not everyone has the money or indeed, the want to actually buy a fancy car. This could be for a variety of reasons, including not wanting to tie up the money, not being able to qualify for the higher financing and loan amount that a fancier car would necessitate, not wanting to deal with the maintenance and hassles of ownership, or simply wanting to be at liberty to try and use new cars every year or two. Whatever the reasons behind the choice to lease rather than own, one should be aware of what one’s liabilities and costs will be, not just for the leasing itself, but with regards to lease car insurance of the leased vehicle that one is driving around.

For starters, know that you absolutely must have insurance and that does not come with the leased car or is part of the cost and payment for one. So, insurance for the car and driver is mandatory, and it is your responsibility as an individual or company, if it is a business lease, to ensure that the proper amount and type of car insurance has been chosen and purchased for the leased vehicle. So do remember to let your insurance agent or company know that the insurance you are in the market for is for a leased, not owned vehicle, to avoid confusion and issues down the line. Now, given that the leased car is newer, if not brand new, and thus of a higher value, the cost of insurance too, will be greater.

Furthermore, unlike when you own your vehicle and can take shortcuts or make the choice to skip on certain insurance coverage (like comprehensive or collision), as a driver of a leased vehicle, the choice is not up to you but something that most leasing companies will require to cover their own investment. So be prepared to pay for comprehensive, collision, and liability that is likely higher than the state’s required minimum.

Incontinence due to an overactive bladder is called Urge/Effort Incontinence, and is the second most common of its kind. An overactive bladder tends to contract involuntarily. When this happens, urine will escape and whatever one does, it cannot be stopped altogether. The amount of leak depends on the severity and duration of the contraction. Often after when a small amount of urine has leaked, the urge decreases and further leakage need not happen even though one has to void the bladder.

There are two very useful home remedies for overcoming this condition. If the condition is not very severe, then try bladder retraining. The first step is to create a database of the occurrence of one’s incontinence and urination timings. Then try to prolong the interval between urination. Try also to delay going to the toilet by say 5 minutes, just to start off with. As control is slowly achieved, try to increase the intervals and try to delay the urge similarly as well. The other home remedy which enhances the effect is Kegel Exercises. Try and stop urination midway and identify the muscles involved in the process. Learn to contract the same muscles when the bladder is empty without interrupting the breathing and stiffening or contracting the abdomen, thigh or buttock muscles. Attempt to hold the contraction to a count of ten and relax for a count of three, and then repeat the same ten times. This constitutes a set. Repeat the sets at least five times in a day. As the muscles gain strength, increase the number of contractions in each set keeping the relaxing to the same count of three. The objective should be to be able to hold in between urination to a count of
ten.

If the incontinence is very severe, it is imperative to determine that there are no underlying diseases of which the incontinence is only a symptom. The common causes are Cystitis, which is inflammation of the bladder lining and central nervous system diseases like multiple sclerosis, stroke and Parkinson’s disease. An enlarged prostate can also cause urge incontinence. Medicines like Anticholinergics are used to calm down the bladder where the bladder contractions are idiopathic. Inserting medical devices and Botox injections into the bladder muscles and sacral nerve stimulator implants are some of the other treatment options in more intransigent cases. One could even consult a doctor.