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Auto Insurance – What To Know Before You File A Claim

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When you have been in a road accident, or incidents like fire, flood, vandalism or theft, the most common reaction is panic. For the sake of your self and others involved in the accident , it would be best for you to keep calm and remember to do the following :

1. Confirm that no one is injured and if someone has been injured, what is the extent of the injury?

2. Call the police and if someone is seriously injured, call 911.

3. If the police can not come to the scene of the accident or incident, try as much as possible to document the events. If you have a camera (whether in your phone or other devises) take shots of the scene. Then file an accident report at the nearest police station

4. Call your insurance agent and explain all that happened.

5. Give your insurer the following details: the name and address of the persons involved, the details of the accident/incident, and the file number of the police report, the name and addresses of the witnesses.

6. Get all the necessary documents that you need from your insurer, fill them out accurately. Make sure you keep the originals properly and return the copies to your insurer. Cooperate with your insurer in investigation because they would have to represent you in case of litigation against you

7. Document every expense very carefully and keep them well. Some policy has a no-fault clause and they would pay you for any expenses incurred. Like loss of income and medical bills. If you had to employ someone to help you around the house for that period, the policy also ensures that you are reimbursed the cost of all that.

8. Keep all the copies of your paperwork. You’ll surely need them some time!

Considering that you are taking out an auto insurance policy because you want to be protected from liability in future (thereby saving money) you need to get the insurance company that would serve in your best interest. If the insurer you have now is not giving you satisfactory service, Shop around! Compare prices and services. Remember to always compare prices of the same services.

How to Buy Auto Parts Online

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Buying auto parts online can be extremely hit and miss. There are so many uncertain variables if you do not know exactly what you need. Choosing the right auto parts online store can be the difference between getting the right part at the right price or finding yourself chasing the proverbial rabbit down the hole. The tips and tricks presented here will help you have a pleasurable shopping experience online.

You Do Not Have to Be an Expert

It comes as no surprise that the past several years have been financially heavy for most people here in the US. This fiscal struggle is everywhere when you take a moment to focus on our spending habits. For instance, new vehicle sales have gone down considerably in the past 5 years while restoration of existing autos have gone up exponentially. These days, we are becoming DIY mechanics, replacing faulty auto parts with new ones as necessary. However, most people are not aware that they can save even more money by buying auto parts online instead of at their local store.

You Do Not Have To Be an Expert!

In years past, consulting with an expert before buying replacement auto parts was the only way to go. We had to trust what our local mechanic was saying as gospel.  Nowadays, with access to a world of information with the onset of the internet, provided you know a little bit about your car, it isn’t really necessary to start your search with your local mechanic. If you want to buy auto parts online you can do it provided you know the make, year and model of your vehicle. Buying replacement parts online is even easier if you happen to know the part number.

Save Time When You Buy Online

If you shop for new car parts locally your selections are limited in terms of price and quality. What’s more, you are not guaranteed to find the exact part you need. This is painfully true if you are shopping for an uncommon auto part. Shopping online for auto parts can be far more efficient in terms of getting quality and accurate results. That’s because there are dozens of online auto parts stores that deal in the sale of auto parts. This means you are likely to find the precise part you need, even if it is an unusual one.

Saving Time

If you shop at traditional venues for auto parts you might have to drive to several different places before you find the part you are looking for. Driving from one place to another takes time. If you shop online what would have taken hours if not days can be accomplished in thirty minutes or less. Therefore, if you have a busy life as most of us do,  shopping online for new parts definitely frees up your time to do what you need to be doing instead of shopping for your parts around town.

Save Money Buying Online

Let us suppose that you decide to buy a used 2001 Ford Mustang, but it needs a new suspension. If you shop locally for the shocks and struts, it will cost you $400 or more at retail pricing. If you shop online for the exact same suspension parts, you can get them for as little as $200. That is half the cost, and usually shipping is free. When you buy new parts online it cuts out the middle man. That’s what makes it so much cheaper.

Warning – Do Be Careful

If your car is in desperate need of a replacement car part immediately, then you will pay for that time sensitive need.  if you have a day or two to spare to allow for your purchase to arrive, it is a much better idea to shop online than it is to buy locally. However you must be careful to order exactly the right part the first time. If you have to send a part back because you ordered the wrong one, it could cause a significant delay. It is also a good idea to ensure that any website you consider buying auto parts from is legitimate before making any kind of purchase.

Trust in these tips and tricks when shopping for auto parts online and you will save time, money, and will enjoy greater satisfaction in knowing you accomplished your goal of getting your car back on the road for less.

Auto Repair Advertising – Why Most Advertising Doesn’t Work

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When it comes to auto repair advertising for shops most owners wonder why their advertising doesn’t work. The answer is simple; because they don’t know how to do it correctly. It really is sad to see so many shops with great potential waste money simply because of the ineffective auto repair advertising they use. So, why exactly is it that most advertising doesn’t work?

In repair shop advertising it is said that the attention of the reader or potential client is what actually matters. The primary idea is to create something unique and catchy that will leave the client curios. Here is why most advertising doesn’t work.

1. It’s just not working

Many shop owners experience the very same problem. Even though it is clearly notable that their current auto repair advertising isn’t working, they still tend to keep it running. Why? Because they are not really sure whether it’s working or not so they feel hesitant to stop it simply because this might be one of their main forms of auto repair advertising. It’s really simple. If your advertising isn’t working for your auto repair shop – stop it!

2. You are not testing or measuring

In advertising, it is essential for any shop owner to measure and test their current advertising campaigns. For example; if you are going to engage in direct advertising, you would want to measure the campaign in order to determine whether or not the advertising method is working. If you r ads are working you need to roll them out on a larger scale and if they are not working – stop it and use the money on another advertising strategy that could possibly increase your business with 100% or even 200%.

3. You are following the competition

One of the biggest mistakes shop owners are making in advertising is following their competition. They tend to advertise on several publications and media simply because their competitors are doing so. Don’t ever make the mistake of thinking that your competitors are where they are because of super advertising. It’s more likely that they are there because of everyone else and they don’t even have any idea whether or not their advertising methods are working.

4. You failed to use AIDA

AIDA – This is a classic formula used in the advertising world and is well worth remembering.

A – Attention

I – Interest

D – Desire

A – Action

– Attention: The primary goal of your advertising is to capture the potential client’s attention. You can achieve this with a suitable advertising headline. When doing this, be adventurous. Test different things to see what works.

– Interest: Once you have managed to capture the attention of your potential client’s, you need to create an interest in you service which in this case in the auto repair industry.

– Desire: There is a huge difference between being interested in a service and actually desiring a service. It is your responsibility to use your auto repair advertising method to turn the client’s interest into a desire.

– Action: Should you achieve in getting turning your potential client’s interest into desire, the next thing they would want to do is take action. You should make it easy for them to do so.

There are many auto repair business owners failing to implement the AIDA formula into their advertising methods. Essentially this could be a great contribution as to why most advertising doesn’t work.

5. You don’t have a driving force behind your advertising

One very important principle that should be used in all auto repair advertising campaigns is the benefits of your service. Before you are going to turn an interested client into a paying client, they need to understand the full benefits of your service and what you have to offer. Use your advertising as a personal communication tool and make it all about the customer – not you.

Car Insurance For Unlicensed Drivers

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Many people are under the impression that you are not able to get car insurance if you are not a valid driver’s license holder. This can be especially trying for illegal immigrants who are unable to obtain a drivers license. Most of the time these drivers will continue to travel on the roads without a valid driver’s license or car insurance! In a lot of cases the drivers would actually like to be insured, for their own security and that of the other drivers on the road, but they are unsure of whether they can get insured without a license.

Luckily, there are many auto insurance companies that will insure people without drivers or learners licenses. It is better to have an insured unlicensed driver on the road than an uninsured unlicensed driver. There may be laws against driver’s licenses being issued to illegal immigrants, but there are no laws stipulating that unlicensed drivers cannot be insured. This is quite fortunate, as an unlicensed driver may not be as experienced as a licensed driver. This could be privy to more accidents occurring.

There are people on both sides of the fence. There are those who believe that it is wise to insure unlicensed drivers. What happens if the unlicensed driver has an accident? What happens if they hit into another driver? There could be many miserable parties should an accident occur. In a lot of the instances, the unlicensed drivers are not normally the wealthiest of people, and if they were to be in an accident, the likelihood of them being able to pay for repairs to the damages on their car or anyone else’s vehicle slim. The other bracket of people may argue that insuring unlicensed drivers is giving them the permission to continue driving illegally.

Unfortunately for unlicensed drivers, the premiums on the car insurance policies will usually be a lot higher than for people holding a valid license. This is because they will usually not have a driving record for the insurance company to revert back to. In some countries there are points awarded to a license for years of driving without crashing. If there is no license, then there will be no points awarded.

Now the trick is to educate illegal drivers about the availability of vehicle insurance. A large quantity of unlicensed drivers may not be educated regarding car insurance. This is because most unlicensed drivers are illegal immigrants who may not have their complete education either! They could be afraid that they will be ratted out for having no license if they approach an insurance company. This is not the case, as auto insurance companies are in no position to criticize or prosecute an unlicensed driver. All they need is a valid ID card to confirm their identity, and usually a proof of residence. The insurance company will then take other factors into consideration to come up with the cost of the premium. These will be the regular considerations such as which kind of car is being driven, the age of the driver, whether the car has a sufficient security system and is kept in a locked garage or not. These, bar the age factor, are all something that can be worked with to organize a lower premium.

Cheap Car Insurance in Texas

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When done properly, buying a used car is economically responsible. If you are buying a used car in Texas, you undoubtedly want cheap car insurance in Texas. To get affordable car insurance for your “new” used car, start from the beginning.

Pay for the car upfront. Many people choose not to purchase brand new cars because auto insurance for new cars is notoriously more expensive than auto insurance for pre-owned cars. There are several reasons why car insurance is more expensive for new cars, and one of those reasons is that new cars usually have to be financed. When you finance a car, the finance company or lender most often requires you to purchase full coverage car insurance, which is more expensive than liability car insurance. By saving your money until you can afford to pay for your used car completely upfront, you will not need a financer or lender, and you will be able to purchase whatever amount of car insurance you want, as long as it meets the legal requirements in Texas.

Bring an automotive whiz with you. It is aggravating to search for and finally purchase your dream pre-owned vehicle, only to get home and find out there are many necessary repairs to be made. When you shop for your car, bring along someone knowledgeable about auto mechanics. Let him or her test drive the vehicle with you, take a look under the hood, and do any other inspection of the car. If your car insurance company knows that everything is working properly, you are more likely to get cheap car insurance in Texas.

Look for safety features. Safety features come with used cars just as they do new cars, so you want to look at cars with additional safety features, too. Anti-theft alarms, anti-lock brakes, child proof locks, and air bags are all excellent safety features to have and are impressive to your car insurance company.

Finding The Best Aftermarket Parts And Components

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Car owners and vehicle enthusiasts who seek out a superior selection of aftermarket parts and components can enjoy several important advantages. Installing aftermarket rims can help to improve low speed acceleration, increase the top speed of a vehicle or allow owners to create a more unique look for their car or truck. Dealing with the right supplier makes it easier to find quality rims.

Owners who may be less than pleased with the appearance of a stock vehicles may be able to make changes and upgrades with greater ease than they might have imagined. With so many aftermarket parts and options to choose from, upgrading a vehicle has never been easier. Finding a retailer or part supplier who has more to offer can ensure upgrade projects are able to be met with greater success.

Rims that are smaller and lighter than their stock counterparts can actually improve the performance of a vehicle. Smaller wheels are able to rotate at greater speeds and lighter rims can also help to improve the power output and low speed performance of a car or truck. Vehicle owners looking for a performance boost would be wise to consider replacing their wheels or rims.

Larger rims may also provide benefits. Their larger size allows vehicles to reach a higher top speed and can provide vehicles with a more distinctive look and style. Doing business with a retailer or supplier who offers a wider selection of products, rims and other materials is not a concern that vehicle owners may wish to overlook.

With no shortage of retailers to choose from, knowing where to find the best options and opportunities can seem like a major challenge. Car and truck owners who have no experience with such matters can easily find themselves feeling lost or overwhelmed when it comes time to explore their choices. Possessing a better understanding regarding their options can ensure vehicle owners are able to make better choices.

Quality rims often come with a high price tag and car or truck owners who have only limited funds to work with can benefit by finding the most cost effective options. Investing in rims that can be had for less overall cost will allow vehicle owners to enjoy a greater overall value. Making smarter purchases or dealing with the right supplier may produce greater savings that many owners might have expected.

The product information, picture galleries and customer reviews that can all be found online may play a major role in ensuring that vehicle owners are able to more easily find the best selection of rims. Online research takes very little effort or time and often produces plenty of useful insight and information. Spending just a few spare minutes conducting research may be all that is required in order to identify the best opportunities.

Not every merchant, supplier or retailer may provide access to a full selection of options. Finding the right alloy rim may be all but impossible for those who overlook the best retail opportunities. Shopping with the best suppliers makes it far easier to find quality rims at an affordable price.

How to Fix Error 0x8007045D

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Many Windows users are encountering Windows error 0x8007045D. This problem usually occurs when you are trying to make backup of your computer data. Most of the times the corruption in Windows registry is the reason behind this error. To fix this error you shall be ready to undertake a few steps that will be good for the health of your computer system and will ultimately help you in troubleshooting the said error.

Follow the steps stated below to solve the problem:

· Run Checkdsk

· Disable Security Services

· Cleanout Debris Files

· Shrink Disk Volume

Run Checkdsk

Error 0x8007045D can be fixed by running checkdsk scan. This scan helps you find the internal corruption in Windows. To run the checkdsk follow steps below:

1. Click Start

2. In search box type CMD and press Enter

3. Enter the following command in the command prompt Chkdsk /R X

NOTE: In the command X is used for drive letter

4. Press Enter

5. Hit Y to run a disk check when you restart your PC

6. Close all programs

7. Reboot your computer

8. Repeat the steps 1-5 to run the disk check for all drives

9. On completion of disk check for all drives re-run the backup process

Disable Security Services

If you are trying to make backup while running antivirus or firewall, this can prevent you from making backup and result in error 0x8007045D. So it’s important that you should disable antivirus and firewall before starting the backup process. You can disable antivirus by following the steps given below:

1. Click on Start

2. Go to Programs

3. Click on Antivirus program to open it

4. Go to its settings

5. Disable antivirus

Cleanout Debris Files

Error 0x8007045D can occur if Windows registry gets corrupted. Registry stores all the details about the programs and applications in the form of keys. Errors in registry can be fixed by using Registry Cleaner and Repairing tool.

Shrink Disk Volume

Error 0x8007045D can be fixed using shrink disk volume technique. Follow these steps to run shrink disk option:

1. Open Disk Manager

2. Right-click the basic volume which you wish to shrink

3. Click on Shrink Volume

4. Follow the onscreen instructions

Experts Recommendation

To fix error 0x8007045D many experts recommend using a good System Utilities software. It not only fixes errors in your system but also enhances the stability of your PC. The most important feature of such a software is the Registry cleaning power.

Mobile Windshield Repair – Saves Time, Money and High Gas Prices

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Windshield replacement, no doubt has high costs, but the time spent in the repair is also of great consequence. So while windshield glass repair does solve the financial aspect of the problem, it is only mobile windshield repair that helps conquer the entire problem. It is only a company like Dings Plus that provides mobile windshield repair that can truly be called a better alternative to windshield replacement.

Imagine a scenario, where you have a small chip on your windshield. You are faced with two alternatives, either to go in for a complete windshield replacement or opt for a windshield glass repair. While the former can cost up to $500 the latter may be undertaken for as less as $60. Obviously, you will find your self leaning in towards a windshield glass repair due to the rather large difference in price. But, if you have to drive to point X to avail the services of a windshield glass repair provider, then you will end up wasting time and energy, not to mention fuel. So the best bet under these circumstances is choosing a company that provides mobile windshield repair rather than only windshield glass repair.

Mobile windshield repair has several advantages and it is due to these that the service is so highly availed by several automobile owners. A few of these are listed below –

  • Time – One of the main advantages of a mobile windshield repair provider is the time that is saved by the consumer when availing these services. Instead of having to take out time from your busy schedule and drive your automobile to the service center, the Dings Plus Windshield Chip Repair comes to you. So while you are working in your office or tending to some home chores, the rock chip on your auto glass is repaired right at your doorstep.
  • Money – Whoever said time was money was very right. The time spent in seeking windshield glass repair that is not provided at your doorstep is definitely a lost of money too. However, with Ding Plus doing the job for as little as $60, the mobile windshield repair services costs much less than windshield replacement.
  • Fuel – While time is definitely money; nothing pinches more these days than the rising cost of fuel. Having to drive down to a point and then drive back consumes fuel too. So when opting for the mobile windshield repair option one also has the added advantage of saving the cost of fuel.

Car Insurance Terms and Glossary

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No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We’ve compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insurance

Accident – This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision.

Accident report form – This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued.

Adjuster – This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. They will make the determination on how much will be paid on the auto insurance policy by the Insurer.

Agent – This is a licensed and trained individual who is authorized to sell and to service insurance policies for the auto insurance company.

At Fault – This is the amount that you, the policy holder, contributed or caused the auto collision. This determines which insurance agency pays which portion of the losses.

Auto Insurance Score – This is a score similar to credit score that evaluates the information in your consumer credit report. These scores are used when determining pricing for your auto insurance policy. Negative marks on your credit report can increase your auto insurance premiums. The use of this information to determine policy pricing does vary from state to state.

Automobile Insurance – This is a type of insurance policy that covers and protect against losses involving automobiles. Auto Insurance policies include a wide range of coverage’s depending on the policy holders needs. Liability for property damage and bodily injury, uninsured motorist, medical payments, comprehensive, and collision are some of the common coverage’s offered under an auto insurance policy.

Binder – This is a temporary short-term policy agreement put in place while a formal permanent policy is put into place or delivered.

Bodily Injury Liability – This is the section of an insurance policy that covers the cost to anyone you may injure. It can include lost wages and medical expenses.

Broker – This is a licensed individual who on your behalf sells and services various insurance policies.

Claim – This is a formal notice made to your insurance company that a loss has occurred which may be covered under the terms of the auto insurance policy.

Claims Adjuster – This person employed by the insurance agency will investigate and settle all claims and losses. A representative for the insurance agency to verify and ensure all parties involved with the loss, get compensated fairly and correctly.

Collision – The portion of the insurance policy that covers damage to your vehicle from hitting another object. Objects can include but are not limited to; another vehicle, a building, curbs, guard rail, tree, telephone pole or fence. A deductible will apply. Your insurance company will go after the other parties insurance policy for these cost should they be at fault.

Commission – This is the portion of the auto insurance policy that is paid to the insurance agent for selling and servicing the policy on behalf of the company.

Comprehensive – This is a portion of the insurance policy that covers loss caused by anything other than a collision or running into another object. A deductible will apply. This includes but is not limited to vandalism, storm damage, fire, theft, etc.

Covered loss – This is the damage to yourself, other people or property or your vehicle that is covered under the auto insurance policy.

Declarations Page – This is the part of the insurance policy that includes the entire legal name of your insurance company, your full legal name, complete car information including vehicle identification numbers or VIN, policy information, policy number, deductible amounts. This page is usually the front page of the insurance policy.

Deductible Amount – This is the portion of the auto insurance policy that is the amount the policy holder must pay up front before the Insurance Company contributes and is required to pay any benefits. This amount can be within a wide range in price and varies from approximately $100 – $1000. The larger amount you pay in a deductible the lower your normal monthly/yearly policy will cost. This is the portion of the auto insurance policy that would be applicable only to comprehensive or collision coverage.

Discount – This is a reduction in the overall cost of your insurance policy. Deductions can be given for a variety of different reasons including a good driving record, grades, age, marital status, specific features and safety equipment on the automobile.

Emergency Road Service – This is the part of an auto insurance policy that covers the cost of emergency services such as flat tires, keys locked in the car and towing services.

Endorsement – This is any written change that is made to the auto insurance policy that is adding or removing coverage on the policy.

Exclusion – This is the portion of the auto Insurance policy that includes any provision including people, places or things that are not covered under the insurance policy.

First Party – This is the policyholder, the insured in an insurance policy.

Gap Insurance – This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed.

High-Risk Driver – If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage.

Insured – The policyholder (s) who are covered by the policy benefits in case of a loss or accident.

Insurer – Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident.

Liability insurance – This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state.

Limits – This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses.

Medical Payments Coverage – This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP.

Motor Vehicle Report – The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period.

No-Fault Insurance – If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC..

Non-Renewal – This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage.

Personal Property Liability – This is the portion of the auto insurance policy that covers any damage or loss you cause to another person’s personal property.

Personal Injury Protection or PIP – This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage.

Premium – This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you’re driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live.

Quotation – This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company.

Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned.

Rental Reimbursement – This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident.

Replacement Cost – This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market.

Salvage – This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement.

Second Party – this is the actual insurance company in the auto insurance policy.

Surcharge – This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault.

Third Party – This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder’s negligence.

Total Loss – This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss.

Towing Coverage – This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs.

Under insured Driver – This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section.

Uninsured Driver or Motorist – This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage.

Vehicle Identification Number or VIN – A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver’s side window on the dash. It can also be found on the vehicles registration and title.

When the Car Won’t Start: Common Problems

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When a car won’t start, there are quite a few things that could be wrong. One of the most common problems that vehicle owners experience is when the car acts like it is out of gas. The car sputters along, and then that final sputter comes out and the car dies. It appears the car ran out of gas, but it still has a full tank. If this sounds familiar, these are the first things that DIY mechanics are encouraged to check for.

Fuel Filter

If a car was recently running low on gas, it’s a safe bet that the filter needs changed. When cars run low on gas, the dirt that is in the bottom of the gas tank gets sucked up into the car, and it begins to circulate just like gas does. It attempts to run through the filter, and most of it stops there. This is good because it does not have the chance to damage the car, but it can be bad because it can easily clog the filter up.

Electrical Issue

While this is less common, it never hurts to get the car to the shop and have a professional mechanic look under the hood. This is easier and less costly than the next thing on the list, so it’s a nice idea to have it looked at. Modern cars have electrical wiring systems and computers that control everything. Even older cars still have wiring systems that can make a car suddenly die. A loose wire that is connected to the starter can easily make a car not want to start, and sometimes people easily mistake this for the car acting like it is out of gas.

Most professional mechanics can pop the hood, give a car a good look and then determine whether the wiring on a car has been tampered with. This is more common in used cars, however. Those that are the only owner of their vehicle probably do not have to worry about the wiring system having been messed with by a bad DIY mechanic, but wiring and computer issues may still be the problem.

Bosch Fuel Pump

This is the one things that everyone hopes is not the problem. These can be a pain to do all alone in the backyard when compared to other quick fixes, and a Bosch fuel pump can be costly, depending on the car. However, if it is the Bosch fuel pump then the Bosch fuel pump will need to be replaced.

Most Bosch fuel pumps will give some sort of indication that they are about to go bad. This indication usually comes in the form of a car sputtering and stammering while it is running, or it may start a bit rougher than normal. Owners may also have to turn the key over for a bit longer for it to start, almost as if the car is about out of gas. Usually when a Bosch fuel pump is bad, or about to go out, the engine will not get enough gas causing the above situations.

A professional mechanic can use a pressure gauge to determine if this is the problem, or DIY mechanics can pick one up to do the work themselves.

When a car isn’t running, it can be disastrous to a person’s life. The kids may be late to school, a person may be late to work, which can cost them their job, and things like going to the store can take all day. Get life back on track and everything going smoothly again by looking at these things to get a car running like it should be.