Auto Repair Shops Adopt Environmentally Responsible Practices

It's taken a long time to realize that some of the things that we humans did in the past are not the best practices for a healthy environment. Most everyone is now aware that it is important to include environmentally friendly practices in all that we do. This is as true for auto repair shops as it is for our households.

How can an auto repair shop reduce the negative impact on the environment?

Here are some good practices that an auto shop can adopt:

Recycle
Recycling antifreeze, oils, lubricants, air conditioning refrigerant, tires, oil filters are pretty much obvious and often required by law, but what about cardboard, paper, plastics, metal, fluorescent bulbs, glass and other objects so easy to just dump into the garbage bin? It takes a bit of time to sort everything, but if you have a system set up, then it only takes a few minutes every day.

Return Center
In addition to recycling your own shop use the products, make a return center for items such as used automotive lubricating oils, filters, antifreeze, used plastic oil and antifreeze containers and all types of batteries. In our shop we gladly accept liquids up to 20 Liters maximum, in sealed containers during business hours. It just makes good sense and provides convenience to customer who may otherwise have to go out of their way way to get rid of these items.

Recycled Oil
While we do not dispute the method or intention, we are not convinced it is a viable option for sophisticated modern engines like most cars have today. A better alternative is to have the waste oil removed by a government certified hauler to be consumed as fuel in large industrial plants. This gives the oil a new life and it is re-used in a responsible way.

Good Use of Recycled Products
Where it makes sense to use recycled products we do, for example recycled engine antifreeze and coolants where the process is up to standards of the original equipment manufacturer of the vehicle it is going to be used in. This is about two thirds of the coolant we use.

Automobiles
Let's face it, automobiles are mobile hazardous waste generators, even when they are sitting still. We have not found a way yet to achieve a near zero auto carbon footprint but it is our responsibility to reduce that negative impact as much as possible. That responsibility is shared by the car owner as much as it is by the shop that services that car. A car running in top shape does more than just reduce carbon emissions, a car service shop that adopts environmentally friendly practices contributes to a community's well being.



Source by Scott Waddle

Car Breakdown Abroad – Planning Ahead

We've all heard time and again that it's important to read the fine print. This is especially true when it comes to automative insurance, particularly coverage for driving in foreign countries. Missing one small detail could mean a lot of hassle for you and your companions.

When you are in the market for car insurance overseas you want to think ahead. Consider situations that you wish to be protected from. What if your vehicle breaks down in a rural area? You may find yourself in need of a return back to civilization, a tow, emergency repairs and replacement parts. These are important parts of quality foreign car insurance. The last thing you need to be worried about after an unpleasant accident is whether or not your insurance provides all the coverage you require.

When your insurance company works for you and your policy protects you from all the things you face, you can rest easy. For those who desire the greatest peace of mind, comprehensive overseas coverage is recommended. This exceeds collision and injury coverage to shield you from natural disasters and civil unrest. With comprehensive coverage you do not need to worry about being told that your policy will not cover the situation you have encountered.

Thanks to the internet we're now able to learn about our insurance policies easily. By utilizing the web to your advantage you will be able to save money by getting the policy you need while making sure that you have done everything possible to save yourself while traveling abroad.



Source by Edward Fresco

How To Read an Insurance Policy

If the word insurance makes people's eyes glaze over, the thought of reading an insurance policy puts them into a catatonic state. Just as understanding the basics of insurance is not difficult, neither is reading an insurance policy.

First of all, insurance policies nationwide bid to be complied of standard boilerplate language – this is to keep apples with apples and oranges with oranges through all insurance companies and all types of insurance. This boilerplate language also pretty much steers away from typical "legalese" so all words within the policies is plain and simple. Boilerplate forms does not mean that all policies are the same – they are not – but like coverages, etc., are explained in the same way so if you can read one policy, you can reasonably read another.

The first place you should start is with the Declaration Page , commonly referred to as the " Dec Page ". In fact, if you do not get any further than this, this part of your policy is very important for you to be familiar with for all the reasons. What is the "Dec" page? The Dec Page is a summary of what your policy is providing for you and includes your policy number, the specific named insured, the effective and expiration date of the policy, what is being covered, how much it is being covered for, what it is costing you in total and per individual coverage, your agent's name and contact information and will show any loss payee (lien-holder) if applicable. If this is an automobile policy, the Dec page will also list the vehicles and drivers being covered. In short, the Declarations Page is a wealth of information that you should give some study to until you feel comfortable with it. This accomplishment alone will make you feel more enlightened in regards to what your insurance policy is all about.

The next step is to look at every heading in the policy, one by one. You will see things like Agreement, Definitions, specified Coverages, Insuring Agreement on the specified Coverage, Exclusions, Limit of Liability, Out of State Coverage, Other Insurance, etc. These are not scary words, right? Two very important sections are Definitions and Exclusions – found in various places in the policy and if you do not go over any others, you need to read these. Definitions will tell you who is considered an insured, etc., and the information listed will remove assumptions from your thinking and clarify what is what. Exclusions are assumption busters, as well. It is not written in Greek and you really need to know what exclusions apply to your policy. Ignorance is not bliss when you have a claim!

Too often, too many of us buy insurance for the lowest premium. Let's use an auto policy as an example. People buy what is mandatory by the state (and by the bank, if the vehicle is financed) and look only at the premium. With the cost as the only focus, these people have no clue what their policy does cover. Then they have a loss that is not covered because they did not elect to take the particular coverage that would apply and they are angry.

The solution to this frustration is to READ YOUR POLICY. Know what covers you have elected and what they are for; know the exclusions under your policy; know your responsibilities to the company in the event of a loss. Failure to know these things will most assuredly result in disappointment and unnecessary frustration in the event of a claim.



Source by Finley Jones Keller

"Big Rig" Insurance – What to Look For in a Commercial Truck Insurance Policy

"Big Rig" insurance is essential for the independent owner / operator. In today's highly competitive commercial trucking industry, an owner / operator has to be a shrewd businessman, and get the best insurance for the lowest premium.

Are you a person that loves sun-drenched afternoons cruising on mountain roads or along the coastline? Can you close your eyes and see the highway stretch out before you all the way to the horizon?

Your big rig may be your family business. Do you hit the road with your wife as a driving team?

Are you a person who enjoys the freedom of being your own boss as an independent owner / operator? Or are you a leased operator?

Do you own more than just one truck?

No matter what your motivation is for owning and operating a commercial semi truck, you will need commercial truck insurance. But all commercial truck insurance policies are not the same.

Here are some features and coverages you should look for when shopping for commercial truck insurance:

o Only accept an A-rated insurance company so you'll have peace of mind knowing that your insurance company has the financial strength to take care of you when covered losses occurs.
o Comprehensive Coverage – protection for non-collision losses, such as fire, smoke, windstorm, theft, lightning, hail, animals, vandalism, even low branches and overhangs.
o Replacement Cost coverage – on your personal property that is stolen, damaged or destroyed.
o Physical Damage / Collision coverage – when your vehicle runs into something.
o Replacement Cost Coverage on the vehicle, which pays to replace your vehicle with a brand new one of like kind and quality. Most policies only pay the Actual Cash Value for a total loss.
o Liability limits – buy high liability limits, it's inexpensive coverage. Skimp on other coverages but do not skimp here. Personal injury attorneys love truck accidents and get big jury awards.
o Attached Accessories Coverage – includes running lights, antennas, chrome, custom wheels, custom paint, satellite dishes, and such. Many insurance policies do not cover customizing equipment. Make sure yours does.
o Non-Trucking Liability, or "Bob-Tail" coverage – takes care of you when you're using your rig at times you're not under dispatch.
o Motor Truck Cargo Legal Liability – covers your load against damage from certain causes.
o Trailer Interchange coverage – if you have a trailer interchange agreement, you need this coverage to protect you while you're in possession of a container or trailer that you do not own.
o A trailer exchange agreement is a contract that arranges to transfer a trailer from one trucker to another in order to complete a shipment.
o Refrigeration Breakdown Endorsement – provides coverage up to a separate limit shown on the schedule for spoilage of perishable stock while the stock is in transit on a vehicle.
o Non-owned trailer – this is third party coverage for a trailer that you are hauling owned by another entity.
o Emergency Expenses Coverage – pays for lodging or travel back home if your unit is damaged or destroyed by a covered loss more than 50 miles from home.
o Towing and Roadside Assistance – first dollar coverage, no out-of-pocket costs for towing, flat tire changes, fuel delivery and locksmith services.
o Occupational Accident Coverage – pays your medical bills for certain covered accidents while you're working. Crucial coverage if you do not carry health insurance for yourself.

We may need more information from you such as driver and equipment lists, MVR's and loss runs.

Commercial trucking insurers also offer a variety of discounts, such as:

o Multi-Unit
o Multi-Policy
o Safety Course
o Prior Insurance
o Renewal discount for maintaining continuous coverage

You will also find a wide choice of deductibles and payment plans available. Choosing higher deductibles will lower your promotions. Flexible payment plans will help you manage your budget.

By using these strategies, you'll have the best chance at having fun cruising the roads in your "Big Rig!"



Source by Russell Longcore

Car Hire Payment is Now Hassle Free

No vacation is perfect without someone does all the preparations for you. All of the things related to traveling can be a real hassle especially when talking about accommodation and transportation. However, with proper planning, you can avoid these aggravating situations.

One of the nicest places to go to for a holiday is the city of Boston. It is the oldest, therefore the most historical city, in United States. As a result, numerous tourist destinations are located in Boston which can be really time and energy demanding as well.

So why not opt ​​for a car hire in Boston instead? Some of the visitors of Boston are just hesitant to try this because of the hassle of paying it, or so they thought.

A great way to pay for car hire in Boston is by using your credit card. There is no need for you to swipe it on any machine. You can use your credit card for paying by giving a couple of your card details on the car rental company's website. You will be paying for the fees online or just need to give the necessary information for security purposes only. Use your credit card to arrange transportation in Boston as long as it can pay in US dollar.

Another option is through online banking. Transferring funds from your online bank account to the bank account of the provider of car hire in Boston is actually possible. This is the fastest and the most convenient way to pay since it only requires you to click a couple of buttons. And since there will be an instant bank statement that you can view after a few minutes, you will have an immediate confirmation of the payment made. This can also serve as your verification or your receipt just in case there is a misunderstanding between you and the car rental provider.



Source by Chris Cornell