There are various versions of this particular exclusion in ARPI policies, some of which are straightforward, such as “mechanical electrical breakdown and/or derangement of machinery or equipment”.
Other examples incorporate reference to the type of electrical or mechanical breakdown such as overheating or short-circuiting. Probably the most common exclusion, however, attempts to define more closely the type of loss which the exclusion is intended to cover, for example: “mechanical or electrical breakdown or derangement of a machine in which the breakdown or derangement originates, but it does not exclude damage which is caused by a peril which is not otherwise excluded or subsequent damage which itself results from a cause not otherwise excluded.”
This is a fairly common type of proviso to ARPI exclusion clauses and, as has been stated earlier, it can only have limited effect in altering the common law position where the court must investigate whether or not another non-excluded clause has created damage. It is suggested, however, that the key to this particular exclusion is not the proviso but the fact that the exclusion limits its application to damage caused in respect of the particular machine or equipment which has broken down. If that is the intention of the parties, then although damage to the machine itself is excluded, any subsequent damage to perhaps another piece of machinery is covered by the policy.
Again, the reasoning behind the exclusion should be to encourage the assured to maintain its equipment in good order and not to provide an additional warranty for equipment that it has purchased. The purpose of the ARPI policy is to cover property damage resulting from some external factor. Thus, there is no objection to the policy covering damage resulting from the mechanical breakdown providing that it does not cover the machine itself which has failed.
Source by Willis J. Watson
Electrical Muscle Stimulation, also known as EMS, is a very popular way to shake the muscles and prevent muscle atrophy. Some patients need it properly, that's why a lot of doctors use it on a regular basis. EMS is good when the patient has been suffering from strong injuries and is put to bed for a long time. Muscle atrophy can be a consequence of this, so electrical muscle stimulation is the only way for these people to get their muscles strong again.
Electrical muscle stimulation is basically done by stimulating some parts of the body. For this purpose, an electronic device is used, the little electrodes of which are out directly on the body areas that need to be stimulated. A slow tension is then put on the wires, and muscle stimulation is done. By dialing the voltage, you can pick different pressure on the muscles, for creating various effects.
The electrical impulses are a strong stimulation for the muscles, and they really suffice in making the body feel in good shape again. The low voltage is usually done on smaller, involuntary muscle groups, which can not be stimulated in other ways. The low voltage also stimulates the brain, which starts sending impulses through the involuntary muscles, that stimulating them as well.
The electrical muscle stimulation device can only be used by professional physicians. Any kind of novice's intervention can be dangerous, if you have not consulted with a doctor. Using EMS is strongly recommended in cases of injuries, and most medical insurances cover it. You may as well buy the device from an online store, or any kind of specialty store, and you can find for the meager price of twenty bucks, batteries and electrodes included.
Many people find their final relief when using the EMS device. It is so practical and easy to use. There are a few things easier to comprehend. You can find cheap battery-loaded devices, as well as electronic plug-in stimulators, both for no big costs. The best thing about these devices is that you can also use them to lose weight and give tonus to your muscles. You can make your muscles stronger and fitter. This kind of stimulation is considered a safe way to keep a good form.
Source by Morgan Hamilton