Car Insurance – Most Crashes Are Preventable

A car crash is a horrible site and even more terrifying if you are one of the drivers involved.  Even if you escape injury it’s a traumatic experience and most drivers can think of several things they could have done to prevent it after the fact.

Causes of Collisions

There are a lot of factors that contribute to a collision but the number one cause is lack of attention by one or more of the drivers.  Driving under the influence of alcohol, prescription medication or illegal drugs is a big problem, of course.  One third of all crashes are caused by drunken drivers.  But out of the 4,300 collisions that occur every day across the country, a third of those are caused by distracted drivers.

Anything can distract you when you’re at the wheel-a noise, a song on the radio or an emergency vehicle.  But, like it or not, cell phones are the biggest distraction for drivers.  Recent studies show that those who talk on their phones or text are as much or more impaired than drivers who have had too much alcohol!  Taking your eyes off the road and looking at a keyboard for even a fraction of a second can result in injury, death and/or great expense.  Is that text message really more important than your life or someone you might crash into?

Other Distractions You can Control

Most people in their mid 50’s remember the days when explicit movies were shown in their driver education classes.  In one, a woman in a hospital agonizes over the fact that she took her eyes off the road “just for a second!” to fish a cigarette out of her purse.  Although the film was fiction, this kind of situation happens every day and often results in an accident.  When you’re in a car, especially if you’re traveling at a high rate of speed, a split second can make the difference between arriving safely and going to the hospital-or the morgue. 

It’s a good idea to practice ignoring objects moving around in your car.  You can do this in your driveway or an empty parking lot.  When you can disregard it and replace it later, you’ve just given yourself a skill that might save your life.

Aggressive Defensive Driving 

While that term might seem like an oxymoron, it can be your best weapon to avoid a crash.  The roads are filled these days with aggressive, angry drivers who are in a hurry and will take chances to get where they’re going or to be the top dog.  If someone cuts you off, let him.  Don’t make a rude gesture to her or him; they are the idiots, not you.  Don’t stoop to their level and aggravate the situation.

Maintain a safe distance from the car ahead.  You should have one car length of space for every 10 MPH you are traveling.  This can be difficult in heavy traffic but do your best; it could save you and your loved ones a lot of grief and expense.  Taking a defensive driving course will help you with this as well as give you other safety tools and will also lower your insurance premiums!



Source by Ryan Gilbert

Car Rental and Insurance Excess Options

One of the most onerous and misunderstood aspects about car rentals today is the accident / insurance aspect of it. When you are renting a hire car the rental companies, almost without exception, will try, and sometimes very hard, to convince you that it is in your best interests to add on to the daily rental a collision damage waiver (CDW) cost. There are other names for it but they all mean exactly the same.

Firstly your common sense will tell you that if it is good for you, it can not also be good for the company at the same time. So, what goes on here? Well, most companies, because of their exorbitant insurance premiums are automatically forced to self insure their vehicles. That means that they bear any accident costs themselves and offset that with the "CDW". It is far cheaper for them to do this way way than pay the huge insurance premiums for every car. The CDW factor then does become extra profit for the companies in the main and that is why they seriously urge you to take it up. Incidentally, legally speaking, in Australia the precedents in law concerning accident liability is that it rests with the owner of the vehicle unless you are acting as an agent for the owner, and it would be very unusual for the hirer to be acting as an " agent "for the owner.

Therefore it does require a lot of consideration as to whether or not you pay the extra to reduce your liability. Emotionally it is far less stressful to take the excess reduction and not be driving around with a high excess that has been significantly inflated in order to convince you that the CDW is a good idea. Practically speaking though, it does not take long for the CDW costs to add up and amount to more than paying the excess in the unofficial event you have an accident. Therein lays the dilemma!

Many people are under the mistaken belief that their normal credit card insurance will cover them for any accident excesses. This is not always the case as in many instances you are not covered for the excesses if the car rental company has offered you excess reduction. This is a very important point and one in which you must be absolutely clear on with your credit card company insurance.

So when the time comes to make your car hire booking, all the afore said needs to be considered carefully and a decision made as to whether or not you will be taking the CDW. Rest assured the car rental company will be pressuring you, in their own interests, to avail yourself of their offer.

Now, when the inconvenience does happen and you are involved in a car accident, there are several things to consider. Firstly I would be approaching the other driver or drivers, regardless of who is at fault, with a view to obtaining their full particulars, including the name of their insurer. Apart from that you need their license number and be sure that it contains their current address. Of course a lot of things here will depend on the severity of the accident, the attitude of the other people and the locations of the accident ie is it a busy place and are you able to leave the cars at the scene? As soon as possible it is wise to contact the rental car company, taking careful note of who you spoke to and when, and seeking there requirements with regard to accident report forms, which are sometimes provided in the glove box of the hire vehicle. Of course the police need to be informed should the accident be serious enough, and unfortunately, this is not always easy to determine.

Most unfortunately along with the trauma of the accident you will probably now have to deal with several extremely competitive and aggressive tow truck drivers. Whatever happens under no circumstances should you allow them to touch your rental car unless you are directed to do so by either the police or the car hire company. All tow truck drivers / companies are paid a highly inflated rate for what is called a "police tow". This tow will absolutely have to be paid for by someone and that someone could be you. On top of that the tow truck driver / company also receives a commission from any panel beater that he delivers the car to with which he has an arrangement. The reason for his "keenness" to tow your vehicle! Once he has your car hire vehicle attached to his truck it is very difficult or impossible to get him to release the car.

From this point on you will need to work with the car rental company to sort through all the details and most importantly, what happens next! You will probably have to pay the excess at this point and then set about recovering it should you not have been at fault.

Good luck and hopefully this article has been of some help and not put you off car rental!



Source by Teresa Farren-Price

A Guide to Auto Detailing

If you want to enhance the look of your vehicle, take it to an auto detailing shop. Most places charge a nominal fee for auto detailing services. If you find that you are in between paychecks and can’t afford to get to an auto detailing shop right away, you can do some light detain on your own until you are able to get to the shop.

The first thing you need to do is to wash the outside of the car with soap and water. You can use a car wash liquid or you can use dish soap. Be sure to have another bucket available with just plain water. Take a hose and spray the car down to get rid of the grime and dirt. Wheel cleaner can be sprayed onto each wheel and let it sit for a few minutes. By letting it set, it will soften up the brake dust and will allow you to have an easier time to cleaning your wheels using a sponge and soapy water, clean the vehicle one side at a time. It is usually easier to start with the roof and work your way down. Then rinse off the car and then clean the wheels with a brush and then rinse them.

Clay bars can be bought at any automotive parts store. There are different grades available, but fine or medium is best. What the bar does is it gets all the bugs, grease, dirt and contaminants off of your car. Take an empty spray bottle and add soap and water. Spray each side of the car with the soap and water mixture and then take the clay bar and rub it over the parts of the car in order to remove all of the contaminants. Then take a hose and rinse off the entire car.

Polishing your vehicle can be done by hand with a rag or by using an electric buffer. Many people tend to choose an orbital buffer because it helps to prevent them from ruining the paint. As a small amount of the polish either straight onto the car or onto the buffer pads. You then need to let it dry completely before the next step.

The next step is to take a swirl remover and go over the entire vehicle with a swirl of mover which will help to get rid of scratches and swirl marks. Let the remover dry and then take a clean cloth and wipe down the car.

Take the rubbing compound and clean the taillights, tailpipes and headlights. If you find that the headlights are starting to look faded, you may need to utilize some sand paper along with soap and water. There are also kits that are sold that are used to clean the headlights and tail lights. Be sure not to utilize a lower number texture of sandpaper, because this will scratch plastic and you may not be able to fix it after that. You want the finest sandpaper but not the lowest number. You can clean the tailpipe with polish that is made to clean aluminum or metal.

Take a clean cloth and some liquid wax in order to ask the vehicle. You do not need to use a lot of wax. Let the wax dry on your vehicle and then take a clean rag and wipe the car down. The end result will be a shiny vehicle.



Source by Aaliyah Arthur

Comparing Auto Insurance Prices Advice

It is scary how expensive car insurance can be these days! In order to get the best rate, it's important to shop around and compare prices from various insurance companies. Unfortunately, many of them do not make these comparisons easy on purpose because they do not want you to realize that you are paying too much for your insurance. The first thing you should do is contact your present insurance company to understand your existing policy. Make sure that it's what you think it is and request changes if you hear anything surprising. It's important to understand not only how much you are paying, but also what you are paying for: What is your deductible? How much coverage do you have for certain events like vandalism and an accident with an uninsured driver?

Once you understand your current policy, start calling around to check prices at other companies. It's important to request a quote on exactly the same coverage as you have now since you can not otherwise compare easily. Some companies will also allow you to request a quote via their website and this is something you can do without sitting on hold on the phone for long periods of time. Another option is to work with an auto insurance broker who has relationships with many insurance companies. They can understand your situation and get comparable quotes from a variety of providers in order to help you select the lowest one. This is a great choice if you do not have time to do the search for cheaper insurance yourself.



Source by Jim Tonkins