Review: Bap House Korean Kitchen

I snuck away from my kitchen over the weekend to check out one of Halifax's new restaurants with some good friends. We tried out Bap House on Quinpool Rd. 

It was a little tricky to see at first, Quinpool can be a little congested but once you know what you're looking for you can distinguish it from the busy street.

Immediately when we walked in we were greeted by a very enthusiastic woman, I'm assuming she was the owner. She took the time to tell us about the menu, how the food is prepared and even how to eat it in an authentic Korean manner.

The menu is short and sweet. They serve Bibimbap as the main course, however due to the nature of the bibimbap you could easily have a different dish every time you visit. The dish is completely customized to your pallet. 

This restaurant takes a lot of pride in their food, they don't use any MSG, the veggies used are the ones locally in stock for the season and it's all made fresh.

The presentation of the meal was right out of a magazine, all 4 of the dishes we ordered were arranged just like this.

I ordered the noodle Bibimbap combo which came with Miso soup and I got the dish with beef, egg and spicy sauce- we were instructed to mix it up with the chop sticks and consume it with the spoon (thank goodness I am terrible with chop sticks)

Everything about this meal was delicious, the spice wasn't overpowering so you could genuinely enjoy the taste of every ingredient and the woman came back to check on us a number of times.

She was even generous enough to make us a set of dumplings for free to sample. Let me tell you I could easily eat 20 of those things- Delicious.

My sole critique was that my ahem... hearty North American tummy was not filled by this delicious dish, I could have easily eaten 3 more bowls however for the $14 before tax and tip price tag that really wasn't a good idea. I would recommend coming to this restaurant if you need something to get you between lunch and dinner, around 2PM when you need a snack. Since the food is preservative free and fresh there's no guilt for having a mid afternoon snack here.

The Beginners Guide to Automobile Insurance

So this post is going to be a little different... We're going to talk about automobile insurance (I know, I know....) but as I go through my day job (As an Insurance agent) I realize that first time drivers/ car owners really have no idea what they're purchasing.

Disclaimer: Although I am a professional Insurance agent, every insurance company and provincial regulation is different, so to get proper advise you should speak directly with your broker or agent. 

I am hopeful this post will give some clarification for new drivers (or even experienced drivers that just pay that bill every year and don't think much of it) It's an odd feeling paying for an invisible protection so I'm hopeful I can give people some peace of mind.

The Coverage (What are we paying for)

Automobile Insurance coverage's are divided into 2 different sections.

1. Mandatory Coverage's- Third Party Liability;

2. Optional Coverage's- Loss or Damage to your vehicle and other optional endorsements;

Third Party Liability

This coverage has multiple subsections including Liability, Accident Benefits, Uninsured Motorist, Direct Compensation Property Damage (In some provinces), and lastly Family protection.

Liability coverage: Simplest way to put it is that this will protect you if you cause an accident or damage to someone else's property or (heaven forbid) the other person. If you are held responsible for damage and expected to pay to repair/ compensate the other person your liability insurance will react and pay on your behalf (up to the stated amount).

Accident Benefits: This provides you with access to medical funds if you're injured in an accident (regardless if you caused the accident or not).

Uninsured Motorist: This coverage extends your accident benefit coverage to situations where the other motorist can't be identified or was uninsured at the time of the accident.

Direct Compensation Property Damage: A coverage in place in some provinces that ensures that you'll only ever deal with your own insurance company- regardless of who caused the accident. This coverage was put in place to avoid those lengthy (and costly) investigations before people would be compensated. To summarize: Someone hits you (so it's not your fault)- You call your insurance company- you arrange a repair with them-  The vehicle is repaired and you go on with your life.

As opposed to what it used to be like (and still is in some places) Someone hits you- you call your insurance company- you wait for the other person to call their insurance company- you then wait for the insurance companies do an investigation to determine who is to blame (this still happens to an extent on DCPD but not to the inconvenience to the client)- Fault is determined (eventually)- Repairs are arranged and paid for by the other insurer. 

Finally, Family Protection: This coverage will protect yourself and your family against motorists that are under insured or not insured at all. The sad thing is that minimum provincial requirements are simply not enough sometimes so this coverage will fill those voids if need be.

Loss or Damage to your own Automobile

This coverage also has subsections: All Perils, Collision, Comprehensive and Specified Perils.

I will start with the most common coverage's: Collision and Comprehensive

Collision: If you cause an accident (even a single vehicle accident like backing into a pole) and your vehicle is damaged- the collision coverage will repair your vehicle (subject to a deductible) 

Comprehensive: This is for claims that aren't really "collisions" like fire, theft of the vehicle, vandalism, falling objects, cracked windshields or that dang deer that came out of nowhere! Also subject to a deductible.

Now for the coverage's that are less popular:

All Perils: This is essentially collision and comprehensive coverage combined. It has one deductible for everything and comes with one extra coverage - If someone living in your home steals your car and crashed it there is coverage. 

It's scary to think that a coverage like that isn't included in the more popular coverage's however if you live with good, trustworthy people HOPEFULLY this isn't a concern to begin with.

Specified Perils: It's a list of specific things that will be covered, it's unpopular as it excludes falling objects which is pretty much how everyone gets a crack in their windshield.

Finally the last sections of coverage I'll talk about briefly today is optional endorsements: there's a ton of approved endorsements out there to get you a rental vehicle after an accident, extension of coverage for rental vehicles, protection for new vehicles, protection against your first at fault accident- the list goes on! These endorsements will enhance your policy to work for you.

That is all I'll talk about today, insurance is far from interesting but it is a necessary protection in our society and I hope I can help more people understand what they're protected for.