Fraudulent Acts by Auto Repair Shops

There are a number of ways you can protect yourself when you drive or operate a motor vehicle. One way is to protect yourself from auto repair scams. Good auto shops can make sure that your car runs smoothly without trying to scam you out of your hard-earned money. Some of these shops implement different tactics to attempt to defraud you or your auto insurance provider. In fact, Americans lose millions of dollars each year to bad or extraane auto repairs, according to the National Highway Traffic Safety Administration.

Types of Auto Maintenance Shop Scams

Shady maintenance shops can try a number of tactics to try to get you to pay more than you should for repairs to your vehicle. Ways they could scam customers include:

  • Adding on unnecessary charges to your bill
  • Performing unnecessary repairs
  • Using old or defective parts
  • Performing bad or defective repairs
  • Hooking clients with specials and then performing unnecessary and expensive maintenance

If you are the victim of these kinds of scams, your life may be in danger if you drive a badly repaired vehicle. You could also risk paying more for insurance because of the high charges and unneeded repairs. This is why it is important to ask your insurance company to suggest their preferred repair shops located near you. This can save you time and stress whenever your vehicle needs repairs.

In addition to avoiding car repair scams, having reliable insurance is vital to your financial security. If you or a loved one needs great and affordable auto insurance, speak with a knowledgeable insurance agent today to discuss your policy options.

Source by Karen Whitehurst

12 Important Safety Features On Our Cars We Don’t Think About

Well ok, this is kind of a different subject, and probably not the most obvious to some. But I’ll guarantee some of us will be a little bit more informed, folks might even feel safer when they drive to work tomorrow. Whether you’re the consumer or an automotive sales consultant, this article will list a dozen important safety features found on every car on the road. The consumer can benefit knowing what’s on today’s automobiles, just in case he/she meets the salesman who is not the most educated on their product knowledge. And lastly, sales consultants can enhance their presentations with these tasty tid-bits and increase potential commissions. So without fail, here are the main safety features found on the exterior of those cars.

#1-crumple zones-A mainstay in today’s automobiles, this is the harmonic flow of numerous body panels and brackets that absorb the energy normally associated with a crash. Parts like the hood, bumper and fenders are engineered to crumple like an accordion, therefore taking the brunt in any accidental situations.

#2-Wraparound Headlights-Just like its name implies, it’s a one piece headlight design that integrates the low beam, high beam, and turn signals. The headlights wrap around from the front or back of the car to the sides. Not only are the halogen headlights brighter and wider with the use of reflective cuts in the chamber, but folks driving along our blind spots can easily know our lane changing intentions. As a result, causing less accidents.

#3-Breakaway Motor Mounts-These mounts attach the engine to the frame of the car. They’re not noticeable, but the life saving impact is huge. In a front impact collision, they’re specifically designed to break the engine away from the frame and with the forward motion, will make the engine slide underneath the car at a 45 degree angle. Making it less likely to have an engine sitting in your lap when the crash comes to a halt.

#4-steel belted radials-It’s pretty obvious, our tires are very important safety features, it is what keeps the car on the road. Tires are built with steel fibers built right in, how do they help? Well, motorists will have the peace of mind that their tires will hold up in even the most extreme conditions. Those belts will also give these tires a longer lasting life span. Less maintenance in the long run.

#5-ventilated disc brakes-Equally important as the tires are, disc brakes stop the car. Brakes are constructed of a rotor, pads, and calipers for short. The rotors are engineered with internal vanes, to help vent out the heat. And this will help defend against fade and making it less likely to repair the brakes often.

#6-Side Impact Door Beams-Like the crumple zones, this aids in absorbing energy in a side impact collision. They are steel intrusion beams built inside the door for extra reinforcement. Every car and truck have these.

#7-Laminated Windshield-This might be important, it is the very object that keeps bugs out of our teeth, and the rain out of our hair. The windshield is made up of two pieces of tempered glass with a laminate sheet in between. This is a glass sandwich that holds together well when sharp or heavy objects smash into it. There’s no shattering or large pieces of glass flying about.

#8-Tempered Safety Glass-The other glass that gives us 360 degrees of protection is also designed with safety in mind. Automotive glass is heat tempered, so that when it breaks, it shatters into a multitude of small cubes. The small cubes won’t cut or injure the occupants.

#9-Child Safety Door Locks-As this name indicates, they are small locks in the inside door jams of the rear two doors(4 door sedan or suv only). Lock them up and the little guys in the back seat can’t unlock and pull the inside door handles while we are driving.

#10-5 mph bumpers-I would classify this as a safety item for the car itself. In the event a driver lightly hits a lightpole, grocery cart, etc. at 5mph or under, it is unlikely there will be any major structural damage. These days, the government mandated limit to follow is 2.5 mph, most automakers have the 5 mph variety.

#11-Center High Mounted Brake Light-It’s actually just a 3rd brake light mounted higher than the two main brake lights, and most autos have them. They’re main purpose is to make drivers behind the motorist aware of their braking intentions, normally cars 6-10 back can see this clearly.

#12-Safety Cage Construction-Think of a built in rollcage, it’s the main exo-skeletal feature that provides the most protection. In every accidental situation, this protects 360 degrees. We can even literally turn a car or truck upside down on its roof, the cage will support 1.5x it’s own weight. There’s nothing more important.

Hence, there is our short list of safety features, hopefully you readers have a use for this information. And maybe, this will put more awareness at just how safe our cars really are. No longer will we pinpoint safety as just airbags and alarm systems, our daily drivers have been designed as intricately as the human body. All this for making our commutes, a safer one.

Source by Shaun Patrick Davidson

What Is Commercial Liability Insurance?

Like any other insurance, this type of insurance provides a safety or compensation. You could need this type of insurance in cases when a client or a customer sues you for not handling his goods properly or for negligence. For instance, your employee brings in a suit and it gets dropped on the floor, your customer could claim for negligence. This will help the customer to get a compensation for such losses.

This insurance could also cover for bodily injuries of you employees etc. This policy helps you save time on the court and solve matters without getting involved in litigation and offers u a way to solve problems out of court. We could help you solve your problems by solving your problems out of court and looking after such problems. You don’t have to appear in courts. Your time is precious and we will offer a plan for such problems. This insurance does not cover employee injuries. For an injury, you will have to opt for workers’ compensation insurance. Also, this insurance does not cover professional mistakes. If you make a mistake or an error which is considered as a professional negligence. Professional liability insurance covers this type of insurance. It also does not cover Auto related coverage’s.

Why Does an Independent Route Owner Need Inland Marine Coverage?

If you are a marine driver and are transiting with cargo, this insurance covers your cargo whilst transit. Most of the time this insurance is bought with another existing insurance already. This is add-on insurance. This insurance was originally created in the 17th century by the respected Lloyds of London. It was originally limited to cargo in the ships but then they started covering cargo in transit too. Now days inland marine insurance is usually bought by people who are away from the ocean and do not wish to transport anything via ship. If you have equipment or material that is frequently on the move, it is at an increased risk of getting damaged. Goods or materials that are on the move could be insured using this policy.

If you have expensive an expensive delivery and you are concerned it might get damaged during the transit then this is the insurance you could opt for. If you are in such a situation you could contact us and ask for a quote. We will ask you for your name and cargo details, after a simple process we will offer you with the quote. Our team will get back to with the exclusions and other terms of the policy. You will be explained the terms and conditions of the policy and what it covers and what it does not cover.

Why do Independent Route Owners need professional liability insurance?

As we know that personal auto insurance may not cover all claims, they are also rated differently and do not cover a vast scope of claims so you may require professional liability insurance. For people who are business managers and business owners may find this helpful. If you have a truck you can’t have personal auto insurance for that so this insurance policy may offer a solution. Also, if your vehicle is used for other purposes other than commuting you will need this insurance. You could contact us for a quote and we will get back to you.

Types of Commercial Liability Insurance Coverage’s for Route Delivery Driver

This insurance covers a business from actual negligence or errors made during operation like failing to deliver a service, defence costs – provides legal support when a claim is made, personal injuries, copyright infringement and professional liability. Our company will ensure safe operation of your business.

Source by Rick Coomer