When people are involved in car accidents they’re often afraid to tell their insurance company about it. They’re worried their insurance prices will go up.
Your insurance rates will only increase if you were at fault for the accident. Even if you were at fault, the fear of increased rates shouldn’t deter you from reporting the claim. You can be sure the other party will talk to their insurance provider, who will contact your provider.
The reason you pay for insurance is to protect you from instances exactly like this. Your liability coverage will cover any injuries and damage to the other party. You already pay for your insurance, you may as well utilize it.
You’ll want to file a claim as soon possible so your insurance provider can get started on resolving the accident and getting you back on the road as soon as possible. They’ll get in touch with the other insurance company and the other parties involved on your behalf.
Do not try to settle the accident on your own. Almost always, the other party will claim injuries, loss of income, pain and suffering and more. Unless you’re a millionaire, you won’t be able to afford this. Just let your insurance take care of it.
If you discover your car has been vandalized in some way (broken window, scratches, etc) or if it’s stolen, assuming you have Comprehensive coverage, your rates will NOT be affected as you weren’t a negligent driver.
Insurance rates only go up when the insurance company can see that you are more of a risk as a driver.
So don’t be afraid to file a claim.…
With the rising cost of new cars in this crumbled economy most people are keeping their older cars. A warranty is offered on a new car, but considering the high payments, one’s choice is to get the old car fixed.
It is obvious that the older car will need more repairs and maintenance, but for most there isn’t much choice. So your car is losing oil at a quart or two a day and the smoke pours out of the tail-pipe. You are most likely having engine problems, so now you wonder if you should have your engine rebuilt or buy a new car.
You need to take your car to four qualified repair shops that specialize in engine rebuilding. Check them out first and make sure they are highly qualified with ASE Certified technicians.
Make sure they give you a complete break-down of what they need to do to rebuild the engine. Find out how long it will take for them to start the work and how long before you can take the car home.
You need everything in writing such as the price for each part, price for the labor and a guarantee in writing. Do not wait until the work is done on the car to get a written guarantee. Always request it when you are getting estimates. After you get your written estimates, check them out with the local BBB.
Talk to others that’s had car repair and find out who they used, were they happy with the service, were their prices reasonably and how long was their car in the shop. Word of mouth is always the best way to find a good auto repair shop.
After you’ve done your research on your old car, it’s now time to check into new cars. Go to 3 different car lots. You need to decide on a good used car or a new car. Sometime buying a new car offers better interest rates and a better warranty, but you need to consider the total price of the vehicle.
You need good credit to get a low-interest rate with no down. Keep in mind when you trade in a car, they jack up the price of the car you are interested in buying. Compare the payments each month with a down payment versus getting your engine rebuilt in the older car.
If the old car is in great shape except for the engine, then the wisest choice is to keep it and have the engine rebuilt. There are good engine repair mechanics that can work out a payment schedule with a sufficient down payment. You now have enough information to make an informed choice to have your engine rebuilt or buy a new car.…
If you’ve been researching warranties online, you might think you have a handle on the auto repair warranty. It is pretty simple, right? If something breaks, the warranty will cover the cost to repair or replace it.
But there’s a problem with that statement. Not everything that breaks is covered in every situation.
There are two types of parts failures, as far as your warranty is concerned. A part either fails because of a mechanical breakdown, or it fails because of accumulated wear and tear. And in most warranties, there is a world of difference between the two situations.
If there is a failure in a part because of a fault that was introduced in the production or assembly stages, that will be repaired under most warranties. But what if the part was perfectly fine when it came out of the factory, and there were no problems with its installation? Why would a part break otherwise?
The older your car gets, the more likely it is that a part will fair due to repetitive use, or “wear and tear”. Think of it like you would a pair of sneakers. If the sole rips off the first time you go for a run, you will likely be able to return them for a full refund. If the stitching comes undone after a week, it won’t be your fault. But if you run and run and run, and eventually, the heel wears down to the point that it cracks, you certainly wouldn’t be able to return them for a refund. The same principle applies to your car. The longer you own your car, and the more mileage you put on it, the more likely it is that a part failure will be due to “wear and tear”.
So what? Won’t the warranty cover wear and tear damage? It is impossible to speak for every warranty out there, but many of them, the answer is no. And of course, if it is not covered, you might find yourself having to argue with the warranty provider about what constitutes “wear and tear”. This is why you will want to read the fine print of a prospective new auto repair warranty before you sign it. A “mechanical breakdown only” warranty will likely cost a lot less, but the older the car, the more likely that your part failure will simply be written off as “wear and tear”, and the costs for repair or replacement will fall squarely on your shoulders.…
What exactly are you looking for in a car? You’ve thought about all of that and have gone to get your test drive. Well congratulations! But then always remember that even when you think that you have figured it all out, you might not have actually. You might just be looking at a car situation from the point of view that is basically manufactured by the car company itself. Your dream car might just be a test drive away, but are you really well prepared to know exactly what you expect from the test drive? Read on.
Check whether the car is well made and if there is any empty space between the fender and the hood. Check whether the wiring under the hood is done properly and bundled as would want it to be. Also, is the paint fine? Are the metal edges smooth rough?
While You are Taking a Seat in the Car
Is it easy enough to enter and exit the car? Is the back seat equipped with enough leg space? If you need a child car seat, check if there is space enough to insert one? Is the driver’s seat comfortable enough for your legs to move and press on the breaks, etc.? is it in fact comfortable enough for a long drive? While you are sitting in the car you should run all these checks.
While Driving, Can You See Everything Well?
Is the top of the steering wheel rim higher than your shoulder? Check the wipers, the wiping fluid and see which part of the windshield the wiper does not take care of as you will need to know that for safe driving. The passenger side mirror also should be checked for bind spots. All this is part of the vision test.
Checking the Suspension
Comfort is really important and you should have as much of that as you can while you are driving. Is the rid too soft? Or even too hard? Does it jar your spine too much? If you are buying a sporty car you should be looking for a firmer ride. A few sharp turns of the wheel, u-turns- you should check the suspension reacting to all of this. It is extremely crucial to check if a u-turn can be made in a single smooth motion. How does the car perform on bumps?
Checking Steering
A small turn with the steering wheel should be executed by the wheels quickly enough. You should check how much effort you have to put into the steering. Too less or too much is both bad in this case. Check if the car moves in a steady course when you are relaxing the wheel on a steady course.
Choose you features carefully as with the set of wheels or the set of features that could give you a better deal with the car. You will know these after the test drive. Fuel economy is a must check. Carry out an evaluation based on all of this.…
If you are looking for an option to insure your new car, this article will help you to find the perfect one. As the demand of the car insurance policies are becoming more and more insisting, there are many manufactures that started providing great offers on it. You can also find many car insurance companies that are providing online services. However, this article will give you some important tips and information, which you have to consider while you opt for car insurance.
Different Types of Policies:
There are various types of car insurance coverage available in the market. Therefore, you have an option to go for bodily injury, collision, property damage as well as for comprehensive coverage options. There are also few insurance policies, which will not only pay for the repair work of your vehicle, but also provide you financial help for paying the hospital bills, rental and towing expenses etc. However, before you plan to insure your vehicle, it is very important to research on the web and find a perfect coverage for your car.
Tips for Finding the Best Policies:
Even though there are many auto insurance companies, which are providing cheap car insurances, most of them are not able to meet the requirements of their customers. Therefore, it is very important to follow some tips, which will help you to find a cheap insurance coverage without compromising the quality. Some of these tips, which you have to consider while selecting car insurance, are mentioned below:
* Select the right car insurance company
* Take the assistance of an expert to find the best one
* Compare online insurance quotes
* Know about the hidden charges
* Maintain a good driving record
The condition and facilities of your vehicle should be also considered while selecting an insurance policy. There are numerous insurance companies in the market, which will provide great offers for the people who own a car with more than the average safety features.
How Important the Car Insurances is?
There are many people who do not consider car insurances to be of such a great importance. However, this is a crucial aspect, which you have to bear in mind when you are buying a new car. These insurance policies will protect your car from many unexpected hassles like theft, various accidents, injuries etc. So, you can see that Insurance acts like a protection shield not only for your car. Therefore, it is very important to have an insurance policy for your vehicle when you buy it.
Tips To Select The Best Car Insurance Company:
As there are numerous insurance companies available in the market, most of the people will find it difficult to select the right one. If you are facing the same problem, here is the best solution for you.…
For many, owning a classic car is the dream of a lifetime. For those that have one already, you will understand and appreciate how much care it needs, how expensive the parts can be and the importance of having the right kind of insurance cover. When you own a classic car, classic car insurance is a must have, it is as simple as that!
It doesn’t matter whether you have inherited the car from a relative, have built it from the ground up yourself, or if it was purchased in top condition as is, classic car insurance will have everything covered and can really provide you with peace of mind. Many classic cars are worth a fortune, and with the cost and limited availability of replacement parts, and the expert repair assistance that would be needed if it was damaged in any way, it could be well out of your financial means to cover the cost of these things on your own. When you are adequately covered by your insurance, the only thing you will need to worry about is polishing up and cruising around in your pride and joy.
Some people are lucky enough to have a number of classic cars, and in this instance, you could look into fleet insurance for classic cars to make sure that every vehicle you own is covered. If you keep your cars for show only, you may be able to take advantage of certain savings provided through various insurance companies, as you are not driving around in the vehicles on the road. Due to this fact, the chance of them being involved in a car accident is very slim. You will however need to still be protected for accidental damage caused by you or others, cover for theft, and even for fire.
A variety of companies can offer you top quality classic car insurance, some are offered by traditional insurance providers and others are available through their online insurance branch. If you are not sure what will be the best way to go, think about conducting a comparison for your specific insurance needs. Finding a company that specialises in insurance for classic cars, could be a worthwhile time investment. If the insurance company has a specialised service, you could almost be certain that your prized possession will be in the safest hands possible.
They will understand your needs, they are familiar with the amount of cover needed, and they also have inside knowledge of the cost of a car that is a classic. It could also be a good idea to have your car independently valued before locating the right type of insurance. Being able to provide a specific figure to the insurance company could make the process run a whole lot smoother. Having adequate insurance for your vintage car or cars will help you to sleep better at night. Why go to all the effort of owning and looking after such a car without also investing time and effort to make sure it is fully protected?…
There are several reasons associated with the necessity of acquiring one day car insurance for yourself. Most people hardly ever consider acquiring this sort of insurance; however, it may come handy to you one day. For instance, there may be times when you may have an emergency, like getting trapped up in an accident while traveling. Or if a friend or family member borrows your car, one day car insurance may be useful.
Also this kind of coverage may be useful in case you get another car that you don’t use too often. When you drive that car for that only day, it would be wise enough to get the car covered by one day car insurance, instead of full coverage for both cars. It will make things much cheaper for you. If you live in a huge city, such as New York, you might not use you car so often, thus when you do need to use it, this type of coverage comes in handy.
If the average is considered, then the minimum age quoted by a few agencies for getting approval for an insurance policy is 21; whereas, other insurance agencies might state 25 as the minimal age. Obviously this will pose a disadvantage to people who fall in the category between 21 and 25. Nonetheless, car insurance which is on long-term basis, even have that lower age group pay pretty much greater rates as compared to the senior citizens.
When you are picking a policy of one day car insurance, remember to get in touch with the targeted insurance company that you are already signed up with. In case you own home owners insurance, or rental insurance, then directly call that company to discuss the short-term car insurance. They may be able to offer you coverage. They would be delighted to sell you another kind of insurance from their company. In fact, they will be more than welcome so as to carry out more business with their present customers.
The insurance companies take other facts into consideration before determining to give away the one day car insurance. Moreover, it would be tougher to have your vehicle covered if you have below average credit score, unpleasant driving history or past problems associated with the law.
Furthermore, it is significant not to buy the first short-term insurance policy you come across. Act smartly, to measure the diverse costs, advantages, and disadvantages, of the agency and then decide the company you will prefer. Following, it is a good idea, to obtain a second judgment from one person, who has signed up with that company.…