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

It’s Smart to Plan That Next Vacation

A little time spent prior to your vacation will net big returns in stress reduction, memory building and costs. The better you plan the more fun you’ll have and the less money you will spend. Here are a few tips to assist you with your planning

1. Check and see if there are apartments, condos, or even home rentals available at your destination. Many of these are much less per person than a hotel, and a lot more private. They also offer many luxury features like pools, BBQs, kitchens and more. These properties are often near attractions and the owners often have a lot of inside information to make your travel more fun. Check out Bed & Breakfasts: off season, you may pay less for extravagant lodging and gourmet breakfasts than you’d pay for a ho-hum hotel. You can also look online for great deals on hotels. Remember to join their loyalty program; it will save you money on your next vacation.

2. Find out the off-season for your destination and travel then. There’s a world of difference between season and off-season rates. You will also have less of a fight for many of the attractions you are hoping to see. Often the weather is just as great a month before and a month after the high season and the savings are significant. One warning make sure to check the attractions you intend to see to make sure they are open or have different hours of operation in the off-season

3. Check out all-inclusive vacation packages which can save a great deal of money on tours/attractions, lodging, meals, and other amenities. In some places you can get multi-day passes to various amusements or special rates if you go later in the day. Cruises offer an amazing quality of service at an economical all-inclusive price. Cruise companies offer a wide variety of destinations and levels to meet any budget and interest.

4. Saving money on food is pretty easy and a lot of fun. If you are in a rental that offers a kitchen, cook some of your meals. Pick a restaurant or two that you really want to eat at and then plan the remaining meals at your place. It is a hoot to shop away from home. When we travel to Europe we really look forward to hitting the market to see what they have and see what the locals eat. If at a hotel, pick one with a breakfast included. By shopping at the grocers and preparing some of your own meals you will save money and keep off a few of those extra pounds restaurant food puts on you.

5. To get around once you’re at that vacation destination can be very expensive. Don’t be afraid of buses and light rail to get around town if it makes sense, you don’t always need a car. If there are a few of you, see if a car is cheaper in the long haul than taxies, busses, and trains. As a family of six we find that if we are staying in a specific town/venue for the vacation a car is a liability. However, with so many if we are traveling from one venue to another having a car is not only cheaper, but it offers a lot more flexibility

You can in fact have a great vacation without mortgaging the house.

Planning, some research, and an attitude focused on having a great time will help you to have a vacation that you and your family will remember fondly for years to come.



Source by Bill Littler

Piano Tuning And The Safety Issues Involved

When you think about the sheer number of strings in a piano – multiples per key, remember – and the tension to which they are stretched, you realize that there must be a colossal amount of force trying to break the piano in two. This explains the need for such heavy construction – a frame of cast iron is needed just to resist the tension of the strings. It also explains why a professional piano tuner can be an important person to call if you need piano tuning.

It is tempting to compare tuning a piano to car maintenance – you can do it yourself, but you may feel more comfortable putting the risk in the hands of an expert. However, the situation is even more important than that, as the process of tuning a piano is far more complex and takes far more patience than most ordinary vehicle servicing. Changing the oil or the spark plugs is nowhere near as involved as tuning two hundred or more high-tension wires.

Attempting to tune a piano yourself is certainly possible, but there is a range of knowledge and skills that only an experienced professional will have. One aspect of this is in understanding the current condition of the piano. Since you are reading this article, you may have a piano that has sat around without maintenance for quite some time, and the cost of professional piano tuning seems prohibitive. However, it is precisely this kind of piano that can be dangerous, as a neglected frame may have started to develop weak spots that increase the risk of the entire structure collapsing violently in on itself. You would not want to have your hand inside a piano when this happened. An expert piano tuner can recognize the danger signs much more readily than you will be able to.

Having said that, if a piano technician has confirmed that your instrument is in good shape, you can certainly begin learning about piano tuning yourself. If nothing else, it takes patience. It can be very easy to give up part of the way through tuning and ruin the whole process. There are also various skills that must be picked up along the way, such as the piano tuners’ method of setting the pins in such a way as to promote tuning longevity and prevent the piano from sounding sour for as long as possible. Piano tuning certainly takes effort, but it can also be a rewarding process, and maybe even therapeutic.



Source by Shawn Manaher

Choosing a Top Online Casino

Choosing a top online casino is not easy because of the overwhelming number of casinos that are found on the internet. A player should first do a Google search by typing “top online casinos” and read the many reviews that have been written on such casinos. A top online casino would have a government approved license to run the casino as well as a 24/7 customer support department that you can contact incase of an emergency. It would also have an Interactive Gaming Council (IGC) logo on its site.

Protecting a player’s personal information should be one of the main concerns of an online casino. Top online casinos will always have the 128-Bit Secure Socket Layer (SSL) in their banking section to protect a player’s credit card information as well as other personal information. A top online casino should have reputable gaming software for its players to download. The best gaming software a casino has will also confirm that it offers its players good bonuses. Microgaming is the leaders in gaming software for online casinos. Top online casinos are usually the Microgaming online casinos because they offer amazing graphic and sounds in their games which makes a player feel that he is playing in a real casino.

The bonuses offered by these casinos are usually better than other virtual casinos on the internet. But Microgaming online casinos do not accept U.S. players. A top online casino will also offer a person free games to play to improve his skills at a game without having to wager any gambling money. A player should also take time to check the terms and conditions of the online casino. By doing so he will be aware of what are the restrictions on the bonuses offered and the wagering requirements of the bonuses, payout percentage of a game, etc.

It’s not difficult to find a top online casino if one remembers to take the time to check whether it has reliable software, has a government approved licensed and is also licensed and monitored by an accounting company, offers a 24 hour 7 day customer support system, and gives information of the companies financial background and payment structures.

But just as it is important in choosing a top online casino, it is also important that a player knows the rules of the game he plans to play. This will increase his chances of winning. One plus point of online casinos is that a lot of them will offer its players to play a few games for free to improve their skills before wagering any real money. A player new to online gambling will benefit greatly by playing free games.



Source by Aoureliou Televko

Auto Repair: Know When to Repair a Windshield

When thinking of different things that keep us safe during a drive, we rarely even think about the windshield. But the truth is – the windshield of your vehicle is more important than you think. Anyone who has been driving for a long time would have come across this situation: a deferred or cracked windshield. Early drivers tend to ignore this because it does appear to be something that could cause any major damages to the vehicle or the driver. And you would postpone the repair until there is time and money to do this. But that time will never come. Getting your windshield fixed is an easy part of an auto repair. It is important and can be done even from home.

Cracked Windshield

The windshield is a two-layered laminated glass. This laminate is made of vinyl plastic which is very strong. The windshield accounts for nearly 20% of the strength of the car. It plays a major role in keeping you safe. With the advancement in technology, the process of placing the windshield has become a computer controlled process. It has been designed to work with the other safety devices in the car. For instance, the airbags need a sturdy bonded windshield in order to work correctly. Thus, it is important to get even a tiny crack on the windshield repaired. Ignoring it may put the life of the driver in danger.

AUTO REPAIR:

The costs for replacing the entire windshield costs $ 300 and repairing a crack or a chip in the windshield could cost around $ 100 or less. There are also many kits available for you to repair the windshield yourself. These kits can be purchased from Amazon and in large stores that sell auto parts such as Wal-Mart, Kmart, Sears, and AutoZone. The kit will consist of the adhesive seal, windscreen repair resin, curing film, pedestal and a safety razor. Once you have the kit, park your car in your garage or somewhere indoors. Use a pain to clear out any broken glass from the windshield and leave it to dry. The instructions on how to use the kit will be available with the package. If the directions are unclear, the best option is to take the car to an auto repair workshop.

Another consideration is your car insurance. If you carry comprehensive coverage, then windshield repair can be included in your coverage. Be sure to check your deductibles as this will be required to be paid first. In some states, there is no deductible for windshield damage, as it is considered a safety related repair.

At the end of the day, the important thing is that any windshield repairs are fixed immediately and you are no longer vulnerable to any potential accidents.



Source by Mike Jones