Download >>> https://tinurli.com/23xpcb
Jul 2, 2021 — Full coverage car insurance is an effective way for drivers to replace their vehicles after an accident without having to pay the entire cost of a new car. ... a yearly premium and the value of a vehicle is often less than $1,000 for cars ... His analysis has been featured in Forbes, MSN, USA News and Fox News, .... If you are filing a claim with your own insurance company, the cost of a rental car will only be covered if you paid a premium to include rental reimbursement .... Find a License Office · Address Change ... Sign up to receive news releases ... Missouri motor vehicle owners are required to show proof of insurance when ... effect for the remainder of the three years unless you refile proof of insurance and pay a ... The accident happened less than one year ago,; The accident involved an .... 1 day ago — I've got car insurance, I've got $250 health insurance bills,” said ... who has not missed a rent payment throughout the pandemic. ... If a tenant is given less than 60 days notice, they can contest an ... Rent increases change Bellingham ... The Columbian is becoming a rare example of a news organization .... May 15, 2012 — Nothing else -- car, driving record, amount of driving -- changed. Just his zip code. All things being equal, you'll pay less when you live in a .... While these two factors have a large affect on your car insurance premiums, there ... change because older vehicles that are paid off may need lower limits than .... Consumer news: Don't let those home insurance payments lapse ... taxes and methods to avoid taxes, but I was less than enthusiastic about the salesmanship aspects of the career. ... As you might expect, they change more for all those various risks. ... You may have auto insurance all your life without ever filing a claim.. Apr 13, 2020 — News: 2020 Press Release ... The Commissioner's Bulletin covers premiums paid for at least the months of March ... Several auto insurance companies have recently announced voluntary premium refunds to drivers. ... such as using an average percentage based on estimated change in risk or exposure.. If you're a safe driver and looking to save on your car insurance premium, ... But all this love in the air brings changes to your finances, including your auto .... Get a free AAA Auto Insurance quote online or talk to an agent! ... Can pay for repairs or replace your new vehicle without depreciation should it be damaged or totaled in a covered loss. ... What can raise or lower my cost of car insurance? ... Inclusion Careers Corporate Governance Leadership Team News Releases .... News Center · Media Center · Awards & Recognition · Safety in the ... In order to review your current policy, request changes, or request a new policy, please ... What payment options does Safety offer for auto insurance? ... If you choose to pay less than the full premium, our installment billing plan is automatically activated.. Nov 19, 2020 — The average cost of car insurance varies by the state you live in, your ... The word News ... While a California driver might pay between $987 and $1,815 per year, ... Some car insurers are offering discounts as Americans drive less, and ... How car insurance prices change with the number of cars you own .... Jun 28, 2021 — But how much more money will you end up paying? ... Latest News & Alerts · Popular Topics ... many factors affect your auto insurance premium when you file a claim, but ... Auto insurance companies can charge a lower premium in an effort to attract customers, but they can't charge more than the set rate.. compounds of their own manu acture, o the most "deleterious character. ... may be effected for a longer term than one year. at reduced rates, by payment in advance. The premiums for Insurance of Lives are upon an equally moderate scale of ... which the events of last car have proud to be no less dianltrmls in its efl'ects .... Apr 9, 2020 — Consumer Reports fills you in on car insurance rebates during the ... As Americans drive less, some insurers are offering automatic rebates or payment deferrals, but others ... News. Issues That Matter. Coronavirus · Car Safety & Efficiency ... We also found that changes are being made quickly, so it's best for .... Popular Products / Policies. CORONA KAVACH POLICY-NATIONAL. In view of the global pandemic COVID-19 a standard CORONA .... Oct 8, 2020 — Pete Evans · CBC News · Posted: Oct 07, 2020 4:00 AM ET | Last ... monthly premiums to people who were driving less because of lockdowns. ... Premiums have not been changing in the same way or by the same amount everywhere. ... Ontarians pay some of the highest prices in Canada for insurance, but .... 1 day ago — The Daily Mail's owners appear to have heeded their newspaper's ... after offloading its U.S. insurance and car-retailing investments. ... (This article has been corrected to change Rothermere family's shareholder to 36%, not 28%, in the ... The company said it would pay a special dividend of approximately .... Use our comprehensive guide to reducing your insurance payments using ... Ontario car insurance rates often change, and it usually boils down to the ... the lower your risk of getting in an accident or being of risk to your insurance provider.. May 11, 2021 — You could discover a lower premium, more coverage options, additional ... Approaching your renewal date: You can change your car insurance at any time, ... If the claim has not been settled and paid, your new car insurance company ... Contact us · Compare rates · Latest news · Popular topics · Glossary .... Mandatory Insurance. Arizona requires that every motor vehicle operated on roads in the state be covered by liability insurance through a company that is .... Jul 15, 2020 — There are plenty of ways to save on auto insurance. ... 5 Ways to Lower What You Pay for Car Insurance During Coronavirus ... The good news is you don't have to wait for handouts from insurance companies ... As with most other features of your policy, your deductible can be changed instantly, in a phone .... Shopping for car or home insurance in Medicine Hat? ... in Alberta, drivers pay the third highest premiums in Canada for car insurance, so it pays to shop around!1 ... How can I pay less for car insurance? ... only deal with one insurer when you have to make a claim or change your information, such as updating an address.. Our mission is to deliver excellent customer service to people traveling in the Commonwealth by providing transportation infrastructure which is safe, reliable, .... Want to take control of how much you pay for car insurance and become a safer driver in the process? Good news — you can! American Family Insurance offers a .... Apr 16, 2020 — Geico, State Farm, Progressive and others are offering car insurance relief to ... Coronavirus stay-at-home orders have led to fewer people on the ... Relief programs offered by auto insurers include refunds, credits or one-time payments. ... Change your driving status: "Besides getting this relief, you can call .... 23 hours ago — From renters insurance to travel and pet insurance, experts weigh in. ... News · Shop ... bites someone and you're sued, a renters insurance policy could pay legal ... "Before securing rental car insurance, speak with your insurance agent to ... Most plans will at least include seasonal maintenance, checkups, .... Dealing with insurance companies after a car accident is complicated. ... your accident claim quickly to minimize the amount it has to pay you for auto repairs, .... Apr 7, 2020 — L.A. Times Careers · L.A. Times Store · L.A. Times Studios · News ... Why should anyone have to pay the same amount to insure ... Some have recognized the changed circumstances, others have not. ... “This is fair because less driving means fewer accidents,” said Allstate's chief executive, Tom Wilson.. Nov 3, 2015 — There also are other risk elements that affect your car insurance, ... will pay higher premiums and lower-risk consumers will pay lower premiums." ... news and research tips that make it easier for you to find your perfect car.. May 19, 2021 — Reasons Not to Bundle Insurance. Bundling your insurance policies doesn't guarantee you'll pay less overall. You may find it's less expensive to .... To help you find the best car insurance companies, we've compiled data on ... “Drivers pay their auto insurance premiums every month, yet they only find ... Erie also offers better car protection to replace your vehicle with a car two years newer. ... Reduced usage discount: If you don't use your car for at least 90 consecutive .... Our Agency · Why Berry · Agency News · Local Partners ... So, your car insurance policy just renewed and something seems a little off … your premium is a ... Nothing has changed on your policy, so why should you be paying more? ... Nobody wants to be paying more for a service they used to pay less for, but unfortunately, .... Jun 2, 2021 — A lot of people choose to pay their car insurance payments monthly. ... When you invest in security for your car, you will receive lower insurance quotes. ... car that you seldom drive, then you might want to change to a smaller .... The index for all items less food and energy rose 0.9 percent in June after ... The motor vehicle insurance index increased 1.2 percent over the month. ... of the CPI The Consumer Price Index (CPI) measures the change in prices paid by ... category, 12-month analysis table · HTML version of the entire news release .... Nov 13, 2018 — 6 Proven Ways to Pay Less for Car Insurance ... This should change as data starts to roll in regarding the actual value of these safety features.. WBAL-TV 11 News is your source for the latest local headlines and live alerts. ... Most auto accidents are minor and most drivers are insured, but if Murphy's Law prevails, a car ... cost of repairing your car (plus rental charges and salvage value) and pay you whichever amount is less. ... Accident Date Click to change date.. Feb 6, 2020 — Florida has some of the highest auto insurance rates in the country. ... I own a 10-year-old truck, drive fewer miles than the average ... Drivers in Gainesville paid the lowest, according to WalletHub. ... Florida sees 48 percent jump in weekly coronavirus infections as delta variant spreadsJul. 9• News. Florida .... May 17, 2020 — Even if you're not driving your car, going without auto insurance generally isn't an option. ... Small Business · Latest News & Trends ... Also called low-mileage or pay-per-mile insurance, usage-based insurance offers lower premiums ... It's not a change you can make overnight, but raising your credit score .... Car insurance is one of those expenses most of us can't avoid. Here's how to make paying it cost less in time, hassle, and even some money. ... Insurance · Mortgages & Home Loans · Credit Reports & Scores · US Economy · News ... may even be able to change your plan partway through the policy if your situation changes.. Claims; Key documents & News ... No one enjoys paying for car insurance, but just as few people have bothered to research ... If your car is safely stored in a garage, this will cost you less than if you keep your ... Whilst this probably isn't a feasible factor to change in order to reduce your insurance premium, it is worthwhile to .... The average car insurance premium has increased by 7.95 percent and is well ... to pay the highest premiums at $1464 on average, ahead of Victorian motorists at $1163. ... A spokesman for the Insurance Council of Australia told News Ltd that a wide ... Young drivers paying less to insure ... Driving change in gender bias.. Motor vehicle insurance: Pay less insurance premiums due to the corona pandemic : Corona treatment: Evotec receives multi-million dollar contract from the US .... Read all about the factors that go into your insurance costs. ... You will be asked to list those who drive your vehicle when you go to renew your insurance. To help you ... The higher the risk, the more you'll pay in insurance. ... your car. The good news is, safe driving and lots of experience can help to lower your premiums.. 6 days ago — These payments, which are set to begin on July 15, are a beefed-up ... For the rest of 2021, couples earning less than $150,000 (or $75,000 ... The same trick works well for scoring a cheaper rate on car insurance. ... of the red-hot stock market just by investing your "spare change" from everyday purchases.. Emissions inspections help ensure that your car's engine is emitting the least ... to see the twice per revolution change in speed, and is always playing “catch-up. ... you might not be able to obtain insurance compensation for the. to allow the car to be ... Utah's #1 source for News, Sports, Weather, Cars, Classifieds and more.. ERIE Insurance offers a host of discounts on auto insurance, while at the ... The same concept applies when it comes to paying for auto insurance. ... remove a vehicle or a driver, or change the address where you keep your car parked routinely. ... your deductible will be reduced by $100 (up to a maximum amount of $500).. Apr 5, 2017 — Some car insurers charge higher premiums in Chicago's minority ... That's 20 percent less than the $216 per car that insurers paid out for ... But they couldn't agree on a new law to replace it — so they just allowed the statute regulating auto ... Jeff Larson is a news applications developer at ProPublica.. Jan 14, 2016 — Scenario: Auto insurance discounts and monitoring ... to place a device in your car that allows monitoring of your driving speed and location. ... not even been in an accident in over 35 years, much less been at fault in an accident. My ... “I pay for insurance at the established rate given my driving record (one .... May 14, 2020 — Many major auto insurance companies in the U.S. are offering ... How to get a refund or credit on your car insurance if you're driving less amid COVID-19 pandemic ... FOX launches national hub for COVID-19 news and updates ... Mutual, have offered some form of relief to account for COVID-19 changes.. 4 days ago — If your credit is better now than it was the last time you paid your premium, you may be able to purchase comparable coverage for a lower price .... This FAQ will be updated to provide the latest information to Michigan drivers. Please check ... Have the non-mandatory auto insurance coverages I can buy changed? Some drivers ... Why do I have to pay MCCA fees on my motorcycle policy? ... What are the potential medical implications if you choose a lower level of PIP?. Local Mississippi agents providing over 70s years of competitive insurance rates and fast, friendly service. Get a free, personalized quote!. Death and injury are the highest price drivers can pay for drinking and driving, but even if you manage to survive, a D.U.I. ticket will cost teenagers big time. As a .... Sep 4, 2019 — Many car owners are confused about auto insurance. Here's ... The make and model of your car is a factor in how much you'll pay for auto ... Married drivers, on the other hand, are less likely to file an accident claim. ... You should also shop the market whenever your personal circumstances change, such as .... Your car insurance rate is affected by factors like driving history, your vehicle and more. Find out ... If you set a lower deductible, you may pay a higher premium.. Jobs 1 - 15 of 661 — Whatever your insurance needs in Michigan, State Farm® is here to help life go right. ... most with home & car insurance, checking & savings accounts, loans, and more. ... Learn More Stay Updated Sign up to get the latest news and ... For our wind damaged roof replacement, they are paying to replace .... Aug 31, 2020 — In fact, 18-year-olds pay more than 3 times the national average rate. ... Let's start off with the bad news—the average cost of car insurance for an ... older, gender becomes less of a factor in determining their car insurance rate.. The good news is that there are things you can do to lower your car insurance premiums. ... Suppose we set Norfolk, Virginia as the default location—but change the ... The deductible on your auto insurance policy is how much you have to pay .... Customize your auto insurance policy and only pay for what you need. ... We understand that when life changes, your policy may need to as well, which is why ... Use your fund towards the cost and you'll owe less money.6 ... The good news?. THE. MONTHS. AHEAD. News. &. ideas. to. help. you. plan. ahead,. stay. ahead ... Openings for top- and middle- management types are fewer. There are reports of high-paid people taking pay cuts. ... All of a sudden new electronic breakthroughs make possible dramatic changes in Car insurance across the borders .... Jun 10, 2021 — WalletNews Blog Studies & Statistics Calculators Ad Disclosure ... A car insurance deductible is the amount of money you'll pay out of ... The higher your car insurance deductible is, the lower your car insurance premium will be. ... to make a point of checking how things change with a $1,000 deductible.. Scroll down to our live blog for more COVID-19 news and the latest updates. ... ask us questions and let us know how your life has changed because of coronavirus ... State variant testing has found rates to be much lower in New Hampshire, ... for the third round of payments but haven't received them and are only being told .... Arbella offers a variety of discounts on car, home, and motorcycle insurance. Select your state to review the discounts available to you. ... Savings When You Pay Your Full Policy Premium With Your First Car Insurance Payment. ... Earn A Discount When A Household Driver With Less Than Six Years Driving Experience .... ... Buy Now Pay Later · Tax Resources · First Home Loan Deposit Scheme. News ... Safe drivers may save on car insurance through UbiCar app ... Driving safe each time you hit the road may now save you serious dollars on your car insurance. ... “We all think we are great drivers, so many of us would be reluctant to change .... Apr 3, 2020 — Depending on your auto insurer, payment assistance can take many forms ... Comprehensive pays to replace your car if it's stolen, and it covers .... May 4, 2021 — The price you pay for auto insurance can vary by hundreds of dollars, depending on what type of car you have, where you live and how much .... In a year in which a net ( WIN ) program . sections 172 ( d ) and The credit is allowed ... 3570 Orice , computing , and accounting machines FINANCE , INSURANCE ... passenger car , truck , and bus commodity exchanges , and allied services . ... news syndicales , duplicating , mailing , stenotions 4830 Radio and television .... State Farm helps you protect what matters most with home & car insurance, checking & savings accounts, loans, and more. Get a free quote or find an insurance .... Anderson of Amanda and Barbara J. MANATEE COUNTY -A car accident ... The Insurance Institute for Highway Safety (IIHS) is an independent, nonprofit ... US 22 Ohio Accident Reports Statewide (16 DOT and News Reports) 22 Weirton, OH Traffic. The ... Download the BuyCrash brochure. the new SMS display changes.. You can opt out of the Early Pay service at any time, by contacting a branch or calling our ... at least three months with consistent monthly deposit activity of $750 or more. ... Amount available through Standby Cash is subject to change based on ... Our team of professionals help keep you up to speed on recent financial news .... During your lease. COVID FAQs icon.png. Is the insurance on my Motability Scheme vehicle still valid during lockdown?. Liability car insurance is generally more affordable than full coverage insurance. ... How should i calculate when to change from full coverage ... The average cost of full coverage car insurance is $1,738 per year, but drivers could pay less, .... Medical Record Submission · Medical News and Information · Forms and ... To understand health insurance, think about your car insurance. ... yearly vaccinations, check ups and wellness programs, so you're less likely to ... Finally, your insurance starts paying 100% of your health bills until the plan year ends or you change .... pay. more. for. living. costs. MUTUAL FUND NEWS ... suggests that while blacks have a lower income level than the total national average, they ... supplies Furniture & equipment Clothing Transportation: Car purchase Gas, ... personal insurance Miscellaneous TOTAL ANNUAL LIVING EXPENSES 84.4 ... Why the change?. It will pay for damage to your car caused by collision or upset. Comprehensive: ... The least expensive policy is not always the best policy. Some rating factors .... One of the ways to lower car insurance is through a discount bulk rate for insuring ... If one of your drivers is a teen, you can expect to pay more to insure them. ... However, when planning a move, the potential change in your car insurance rate is ... About Us · Terms of Use · Dictionary · Editorial Policy · Advertise · News .... Feb 1, 2021 — Here are ten tips to help save money on your auto insurance. ... with its fair share of expenses such as gas, repairs, oil changes, and registration fees. ... It can reduce your insurance policy payment since you're driving less frequently, ... Finance · Home · Insurance Tips · Mercury News · Travel · Weather .... Your auto insurance premiums don't have to increase, necessarily. ... you more bad news—there's a chance that even if you weren't injured at the scene, ... lower the amount by increasing your deductible (the amount you'll pay after you ... until I had an accident and then they change it before my next renewal and said I no .... Dec 4, 2020 — It has changed the way you buy, finance, maintain, and insure your car. You may be worried about even being able to pay your car insurance ... Because so many of us are spending far less time behind the wheel, you may be .... ... Forms and Applications · In The News · Laws and Regulations · Reports ... To understand your purchase of auto insurance, you should be familiar with a few terms. ... is not reduced by payments from any other source, including the at-fault driver's ... always a deductible which you must pay if you repair or replace the car.. 12 hours ago — If you are in the market for a new car, what's the best way to pay for it? ... Many credit unions include life insurance with their loans. ... PCP and hire purchase is that you pay less of the amount owed over the term of the agreement than with HP. ... Get the latest business news and commentarySIGN UP HERE.. If you don't want to accept cookies, you can edit your browser's options to ... When it comes to financial services, you may have heard the future of wealth is female. ... and retire — so they can live better today and worry less about tomorrow. ... In 2020 alone, we paid our customers and their families $49 billion in insurance, .... 1 day ago — To pay less, these high-risk drivers need to maintain a clean record for the first six months at least. Their policy rates will decrease even further if .... Apr 20, 2021 — The average cost of car insurance has fallen by £87 in 12 months, according to ... now expect to pay an average of £538 on car insurance for the next year. ... change in driver behaviour, and people being on the road less as a .... Apr 29, 2020 — It's great news that the Michigan auto insurance reform provides savings under ... Michigan drivers desperately need to pay less for No-Fault auto insurance. ... Changing the wording of the bill language just before the stroke of .... Whether purchasing auto insurance for the first time or conducting an annual review ... when you want to purchase, change or renew your auto insurance coverage. When you have good credit, generally you will pay less for insurance if the insurance scores are entered into the pricing equation. ... Connect to all OID News!. 1 hour ago — You have permission to edit this article. ... Sonoran National understands the specific needs of rental car ... Surplus lines insurers do not generally participate in state guaranty ... http://www.businesswire.com/news/home/20210713005002/en ... Home · Pay Print Bill · Pay Advertising Bill · Advertise with Us .... Jul 27, 2012 — Looking for ways to lower the cost of your car insurance? ... under $1,000 per year on maintenance costs -- much less than a car payment.. Nov 17, 2020 — It is the most basic coverage at a premium rate. In other words, you will pay more for less coverage. Driving Without Insurance Legal Penalties. If .... Deliver the vehicle to an authorised Hyundai Dealer for all warranty repairs. ... Your Motor Warranty Insurance Policy will cover you for the repair and/or ... note that you car's exact criteria may differ and so the below prices are subject to change. ... maintenance (which costs less than $100 a year when paid out of pocket and .... Grange partners with independent agents to make it easy to choose insurance products that fit your needs. We're committed to being the company best at .... How do I renew my vehicle registration online? You will need: An Idaho issued driver license or identification card; For businesses, an EIN filed with the Idaho .... In 2020, the average driver paid $1,202 for car insurance. ... also be able to drop collision and comprehensive coverage if your car is paid off or you have enough money in the bank to replace it. ... The good news is, liability is super cheap.. Car insurance policyholders to pay less to run motors ... Aussies with car insurance policies may be pleased to learn that the cost of running vehicles has fallen by .... All claimants must actively search for work by completing at least three valid ... Beginning Monday, May 24 all unemployment insurance benefit payments ... You must do so even if your mailing address has not changed. ... No Driver's License or Vehicle Registration Renewal · Control Your Unemployment Insurance Costs .... Is there a usage-based type of insurance that you can buy? — These standard policies don't change your rate ... One way to lower the premiums that you pay without lowering your ... http://www.insurancejournal.com/news/west/2006/05/ .... Does paying off a car lower your insurance rates? ... The good news is, once the loan is paid off, you're free to explore other options and most ... account: If you feel confident you have enough cash to repair or replace your vehicle in the event .... Real Solutions to the Global Eco-Crisis David Suzuki ... for its carbon emissions, that factory is allowed to pay 1 percent less tax for its employees. The ... In Germany over 1 percent of social insurance payments are being offset by carbon taxes; ... nonexistent in much of North America, many people have to get to work by car.. Milewise is a new kind of car insurance based on the miles you drive, and it comes with the same reliable ... With Milewise insurance you pay a daily base rate plus a per-mile rate when you drive. ... People who drive less than the average driver, such as stay-at-home parents, commuters, people who ... 95101Edit Location.. You may be able to reduce your auto insurance payments. By Paul ... Your finances may be tight, but there are helpful changes you can make during the coronavirus lockdown. ... You Really Can Lower Your Car Insurance Cost ... news. Home Page · World · Coronavirus · U.S. · Politics · New York · Business · Tech · Science .... Jun 15, 2020 — The landscape of Michigan's auto insurance market will look a lot ... Homes for Sale · New Homes · For Rent · Foreclosures · Commercial · Real Estate News · Resources ... The changes are expected to lower the average cost of auto ... won't have to pay the Michigan Catastrophic Claims Association vehicle .... Jun 15, 2021 — There are a variety of reasons your car insurance rates change. ... If you don't want to wait for your car insurance rates to go down, the good news is that ... around for the best deal on car insurance is a great way to pay less.. Mar 16, 2021 — Talk to your insurance agent to find out what your options are and if you can save money by changing your insurance coverage. Just remember .... Feb 11, 2019 — A new report on auto insurance trends finds that the industry is ... In the name of equality, the change is likely to result in cheaper insurance premiums for ... female drivers, who are statistically less risky but now will likely pay more. ... Send a News Tip · Report a Vulnerability · Download the Washington Post .... Jun 30, 2020 — The current law requires you to have auto insurance that includes unlimited Personal Injury Protection (PIP) medical coverage to pay for your .... AM Best Company provides news, credit ratings and financial data products and services for the insurance industry.. Oct 16, 2018 — If your car insurance premium recently went up, there are several reasons why that might be. ... you have a perfect track record and nothing seems to have changed. ... be able to pay all claims that are made — so as your risk of making a ... But the good news is there are plenty of things you can do to lower .... Aug 20, 2020 — One such area of savings could come from the reduction of auto ... comparison of similar coverage will tell you if it is time to change to a new ... And the less money an insurance company must pay, the lower the ... Research a Car · Car Finder · Compare Cars · Car Loan Calculator · Automotive News.. Coverages — Your auto insurance policy is divided into different coverages based on the ... injuries, this coverage pays lost wages, less Temporary Disability. Benefits you ... The Automobile Insurance Cost Reduction Act of 1998 (AICRA) changed the ... But there is some good news: As long as drivers maintain good driving.. May 3, 2021 — 10 Questions You Can Ask Right Now to Lower Your Auto Insurance ... changed and I feel that I'm paying too much for my auto insurance every .... In other words, if you maintain a good payment history and continued coverage while you're away, it may benefit you down the road with reduced rates and a .... May 13, 2021 — Since people are staying home during COVID-19, many are driving fewer miles and using their vehicles less often. Learn how this change in .... Apr 20, 2020 — I want to lower my car insurance payments, but I don't want to get a deferral that I'll just ... But it's a risky change to make if you can't afford to pay that higher deductible if you do get in a crash. ... Build your personal news feed.. 21 hours ago — The state requires all drivers to have these minimum amounts of both liability and uninsured motorist coverage: Bodily injury liability coverage: ... 3a5286bf2b 18
Comentarios