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Toys Like Automatic Racing Cars

If you are little enough and cant drive original cars then what to do? Are you willing to fulfill your desires? There is a solution for you very interesting and enjoyable. You can buy some toys like racing vehicles. These are just toys and run by the batteries and chargeable cells.

These toys are easily available in the toys shops and markets. Visit the shops with your children to buy it. This will give your child an opportunity to select and like the racing toys they want the most. These are animated but resembles with the original piece of work. These toys provide your children to understand the basic components of a vehicle. Different types help them to know the working and purposes of original vehicles.

These toys will be the first institution for your children if they are interested and want to know about it. Many styles and kinds of these toys are presented for sale in the toy shops and markets. At the special occasions like Christmas these are offered at lowest and discounted prices.

These toys consist of model as racing toy, a handle with many buttons to keep the toy moving to and fro, a wire connected with the battery and toy. While running it your child will run after the moving toy. But in many new toys these remotes are wireless. These wireless remotes are very good as you can run the toy without running back with it. It provides safety and comfort to your child.

Many colors and shapes make the toy more beautiful and attractive for the users. These are also available with different prices. The price of these toys varies with the type and features it contains. These cars are the best gift you want to give your child on his/her birthday and as a surprising gift.

Dead Car Battery FAQS

You should think of your car battery as the heart of your vehicle. It is its power unit. You would think the engine would be a better metaphor, but your car battery is what essentially gives your vehicle power. Just like you wouldn’t want your body to go without a beating heart, you wouldn’t want your vehicle to go without power. Otherwise, you’ll end up getting stuck somewhere because of a dead or defective battery. The best method for maintaining a functional and reliable unit is to have your vehicle serviced professionally at least twice per year.

If you are concerned about your “power unit”, or simply wish to learn more about them, continue reading for some frequently asked questions about dead batteries, as well as, their answers.

How Do I Know if My Car Battery is Dying?

There are several signs that indicate it’s time to service or replace your car battery. These signs include but are not limited to: slow engine crank, weak engine power, dashboard lights illuminated (even if it seems unrelated), check engine light turns on, low fluid, dim lights (interior and exterior), sluggish car start, bloated casing, smell of sulfur or rotten eggs, and more.

Why Did My Battery Die?

The most common cause for a dead battery is drainage. If you leave your headlights or interior lights on all night by accident, you may wake up to find that your car power is dead. A simple jump-start will fix this issues in as little as a five minutes. Other circumstances that can cause power drainage include not closing the visor or glove box all the way, leaving a stereo on, leaving a door ajar, and leaving the dome light on. After several hours, it will drain entirely, even sooner if it’s old or close to replacement.

As for other reasons why your car battery might have died, things like parasitic draw, defective cells, low fluid, and more can all play a role. It is best to have yours inspected by a trained mechanic for accurate and professional assistance.

How Long Do Car Batteries Last?

The typical lifespan for a standard lead-acid car unit is between 3 to 5 years. For those who drive often or long distances, change out your batteries closer to the 3 year mark. This is recommended for older vehicles as well. Keep in mind that although this is the standard lifespan, there are several factors that can shorten the life of your car battery.

How Can I Tell the Age of My Battery?

The age of your automotive battery is easy to locate. The manufacturer date is always stamped on a label, which is usually on its side. The information on the label will provide the date it was sent by the manufacturer. The first two characters of the label represent different pieces of information. The letter represents the month it was made, while the number represents the year (i.e. JAN=A, FEB=B, 9=1999, 1=2001, etc.).

Edison Was Right After All – DC Strategies Are Coming

Nowadays more and more devices in our household and even more so in the office or the factory are electronic devices that are internally driven by direct current (DC) while energy is delivered by overland lines in form of alternating current (AC).

Solar and Wind energy needs to be stored as it is mostly not produced in the right quantity at the time when you may want to use it. The best form of storage today is to use DC batteries. So my projection is that local DC power distribution (inside a building) and pure DC devices are going to be a major part of a household, hospital, school or factory in the foreseeable future.

While DC is not a good form for long distance transmission as electrolysis is a major problem not easily overcome over long distances and high voltages, on a smaller scale and with lower voltages DC is very manageable and not a problem at all.

There are three major uses for DC on the local level:

  1. driving DC devices directly without conversion to or from AC makes them much more efficient at least 15% in energy can be saved for those devices as DC devices can typically operate with 98% efficiency while AC adaptor waste at least 15% in the conversion.
  2. storing energy from Wind or Solar generators in DC batteries or using it directly in form of DC during times of generation.
  3. load balancing by actually purchasing lower cost AC energy delivered at night and using it in form of DC during daytime periods when the electricity provider’s demand charges are higher.

Perfect candidates for DC system strategies are lighting and computers, both require far less energy compared to 10 years ago. Any home or office lighting can be replaced with super-efficient LED lights that use 1/10th of the energy producing the same or better light.

Leading edge products now support both AC line voltage and 48 volt DC voltage where the systems run with 85% efficiency when used with AC and 98% efficient when used from a 48 volt DC battery source.

When deciding what the best DC voltage is to use around your home or factory we came to the conclusion that it had to be:

  • within the internationally accepted Low Voltage Directive (LVD) and hence below 75 volts and
  • it also wants to be the highest safe voltage so as to safe money in wiring. When running with half the voltage the current requirement would double and with it the conductor size, doubling the cost of the wiring infrastructure.

Therefore the most practical and safe voltage is 48 volt nominal which happens to be 60 volt fully charged without an electrical load and still be below the 75 volts of the LVD.

When making solar chargers or current drivers for LED lighting a higher voltage is more efficient as switching transistors with a fixed “on” resistance will have lower “on” losses with lower currents vs. the higher currents that would be required for lower voltages.

Typically a 12 volt DC system can only achieve 85% efficiency with today’s transistor technology while a 48 volt DC system can achieve 92..98% depending on tuning and type of electrical user.

Conclusion: When specifying a DC system it would appear best to have at least 48 volt nominal for all the practical reasons above.

Download a Factory Auto Repair Manual Online – Do it Yourself

How you can benefit from do it yourself factory auto repair manual.

Cars have become so technologically advanced in today’s automotive marketplace that mechanics, repair shops and dealerships are faced with the difficult task of maintaining current and up-to-date repair guides to match the ever-changing service needs of their customers. Gone are the days of simple and basic repair jobs as contemporary mechanics face an ever-changing barrage of hard to master vehicles and their intricate mechanical systems. Additionally, the outdated repair manual has become another dinosaur of the automotive repair industry as most repair shops are opting to incorporate online factory repair manuals into their arsenal of tools.

Automotive manufacturers, parts suppliers and repair procedure publishers all have adapted their traditional methods of providing repair documentation to include computer-based and online solutions. Original Equipment Manufacturers, (OEM) are the best source for providing timely, accurate and up-to-date repair manuals as well as Technical Service Bulletins, (TSB). The dilemma arises when attempting to find just the right computer-based provider of online repair manual documentation. Evidence has shown that switching the repair shop to a computer or web-based solution, increases productivity and lowers total cost of operation over the old paper based manuals.

An effective online or computer-based repair manual solution is optimal for increasing time management productivity as the manuals and information are made available to any computer worldwide. Additionally, the information provided by an online repair manual can be updated quickly and easily, in real time, thus making the most current information available to everyone in the organization.

This timely information will include specifics such as year, make, model and also intricate elements of automotive repair like wiring diagrams and engine schematics. Also, advice and tips on how to accurately perform the repair job are made readily accessible to the mechanic making use of these efficient, computer-based methods. Factory part numbers and typical labor times are also provided and updated regularly via the online repair manual product. This has proven itself invaluable to smaller repair shops and private mechanics by allowing them to more accurately provide bids on labor and parts.

Industry-specific information like diagnostic flowcharts, maintenance schedules and procedures, vehicle identification numbers, exploded diagrams and specific information pertinent to make, model and year of the car, are at the fingertips of the service manager or mechanic. Also, tech and repair articles specific to most any possible car are made available through these time-saving, online repair manual options. This is important as advice and training can be made readily available to mechanics and managers of service operations.

It’s plain to see that having a computer-based technical manual at the ready can actually pay for itself in a short period of time with the increased productivity and quality control benefits they inevitably provide. In these modern times a company that relies on efficient, accurate and technologically sound information would definitely benefit from an online repair manual software package.

Paying Back Student Loans – An Easy Guide

When paying back student loans, as a borrower, you have certain responsibilities. It is essential to keep your loan record squeaky clean. If you default with even one payment, then it will not look good. Always make your loan repayments one of your highest priorities.

It is much easier to keep your record clean than to fix a tarnished credit record and the problem is that our records will follow us for years to come. So a bad mistake made right now will have longer term disadvantages.

Always talk to your financial institution if you feel you are having trouble coping with your loan repayments. Believe it or not, most institutions are only too happy to help and the big thing some students seem to overlook is that…

… these financial institutions already have the answers to solve your problems, it’s just that you may be unaware of the easy solutions that already exist…

That is why it is most important to discuss your situation with these professionals, they are also human, they would have gone through the same struggles that you may be facing right now and will easy be able to guide you out of the financial jungle.

There are many different methods to help with loan repayments some of which are:

Graduated. You might pay lower repayments at the start of your loan and they can gradually increase over time.

Standard. The standard type of payment with interest and principal paid as per the normal conditions of the loan

Income Sensitive. This is where you can actually pay a percentage of your monthly income, this method is tailor made for each individual.

Extended. This is usually where you will pay much lower repayments but they will be carried over for a longer term e.g 20-25 year.

Consolidation. This is where you can put all of your loans into one bigger loan plan, this can also help lower your monthly repayments.

Prepayment. You can also opt to pre-pay your loan payments, in other words you can pay your loan payment in advance and this will have the added advantage of greatly improving your credit rating.

Other Things To Consider:

I hope you have gained a few more ideas about paying back student loans and wish you good luck in your endeavors.

  1. Check with your state and find out if they offer additional services and study programs that may apply to your study.
  2. There are also many various civic and religious organizations that may also offer help and additional support and solutions and may help with your repayments.
  3. Keep a close track of all your personal expenditure. Make a spreadsheet to show you the results of your efforts, a simple income and expenditure guide.
  4. There may be other types of payment relief programs that are available, you just need to do a simple search to find them. Just start asking the right questions.
  5. Alternate Income Sources. You might like to think about starting up an online business that will create a passive income or my favorite is setting up your own crowdsourcing program which will help alleviate your cashflow problems.

Understanding the Need for Choosing Good Quality Automobile Spare Parts

Usage of good quality spare parts plays a crucial role in a vehicle’s safety. But vehicle owners often tend to use counterfeit parts as these products are cheap and mostly because they are unaware of the issues caused by counterfeit parts. According to U.S. Department of Commerce, counterfeit auto spare part market has grown phenomenally. It estimated that the auto part suppliers will lose $45 billion due to counterfeit auto spares globally in 2011 (2007 report, no latest report) – close to four fold increase from $12 billion in 2008.

As the problem of counterfeiting has grown significantly, it could potentially lead to increased vehicle repairs and accidents. It is therefore advisable to you to be cautious while purchasing auto parts. This article helps you understand the need of choosing good quality auto spare parts.

Not all after-market product suppliers sell genuine spare parts: Before looking into the need for choosing good quality automobile spare parts, be aware of choosing a reliable spare part supplier or seller. Not all retailers do sell genuine products. Therefore, make sure to choose a reliable retailer to get best quality genuine products.

Why choose good quality automobile spare parts?

• Sub-standard products worsen your vehicles’ condition: The low quality products available in the market are not made as per the industry standards and specifications. Using such kind of products affects optimal functionality of your vehicle and leads to frequent repairs. They also affect the vital parts of your vehicle like the engine and may eventually worsen your vehicle’s condition. This not only leads to frequent replacements, but also increases your maintenance costs.

• Counterfeit parts can have fatal consequences: Using sub-standard products will not only worsen your vehicle’s condition but also increases the risk of fatal accidents. The worst examples for counterfeit products are the air bags. The U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) has recently alerted all vehicle owners as well as repair professionals about the increased use of counterfeit air bags in vehicles that are responsible for crashes. They also mentioned that the counterfeit products look as if they are the certified, original equipment parts. Therefore be cautious while going for replacement.

• Reliable spare parts extend the life of your automobile: If you are expecting the same performance of your vehicle as when you purchased it, make sure all the replaced parts are genuine. Reliable and superior quality products optimize engine’s performance and extend the life of your automobile.

Choose suppliers who have a good repute, enough industry experience and expertise in manufacturing spares. Bear these things in mind while purchasing automobile spare parts.

Trigeminal Neuralgia – Are You Unknowingly Overlooking These 6 Major Causes of Trigeminal Neuralgia?

Trigeminal neuralgia is a complex problem yet this may come as a shock to you. Could there be causes of trigeminal neuralgia that conventional medicine is not addressing? Are you being left in the dark and therefore suffering needlessly?

Read on to find out 6 major causes trigeminal neuralgia sufferers are missing, and best of all, steps you can take to effectively manage them.

One or more of these may be affecting you. So learning as much as you can and eliminating as many of them as you can is a major step in the right direction.

1. Heavy metal toxicity, especially Mercury, is a major contributing factor. Scientific studies indicate that about 40 – 50 % of the US population is affected by mercury toxicity as determined by hair analysis. Your Kinesiologist can help you determine if you are affected, and can get you started on a detoxification program

2. Sugar substitute especially aspartame and NutraSweet. Minimize your exposure to toxins from smoking and poor air quality as well as environmental toxins from household cleaners, personal care products etc.

3. Electromagnetic frequencies or EMFs, often contribute to trigeminal neuralgia – This electronic pollution is everywhere. If you are suffering from trigeminal neuralgia, for the next 3 months or longer, avoid exposure to cell phones, cordless phones, computers, electric tooth brushes, razors and other electrical appliances such as clock radios and microwave ovens. Some patients have improved just following this directive alone.

4. Subluxation of the Atlas – the top vertebra of the spine can be come misaligned by bumping your head, being in an auto accident or sustaining a fall. These are among the first things your doctor should ask when evaluating you for trigeminal neuralgia. If your trigeminal neuralgia pain was preceded by one or more of these situations, you should be evaluated by a UCC doctor. A UCC doctor is a chiropractor who specializes in upper cervical treatments.

5. An acidic body is caused by soda, coffee, acidic foods such as dairy products and meat as well as medications. The myelin sheath deteriorates by a diet and lifestyle that causes an acidic condition in your body. You can monitor your body’s alkalinity by pH testing of your saliva. You correct any acidic condition by eliminate acid causing foods and maintain an alkaline state by drinking alkaline water.

6. Microorganisms such as fungi, mold, yeast and parasites play a significant role in causing and perpetuating trigeminal neuralgia by creating and perpetuating an acidic condition in the body and robbing the body of essential B vitamins. The herpes virus is also often overlooked as a cause. In a major research trial using micro electric and micro magnetic current therapy, no results were obtained at all. Once the microorganism issue was addressed, patients experienced a dramatic improvement in their trigeminal neuralgia pain.

A Story for the Australian Automotive Industry

Introduction to the Topic

Australia is one of only a few countries with the capabilities to design cars from scratch and manufacture in significant volumes. Car sales in Australia are also an important factor of the Australian Automotive Industry and the Australian Economy in total.

The Australian Auto Industry (A.A.I. in short) can be divided into two interrelated sectors, the Production ( Manufacturing) sector and the Car Sales (or Import-Sales) sector, both equally important for the total performance of the A.A.I. On one hand, the Manufacturing sector refers to the market conditions under which Australian Manufacturing businesses compete, by producing vehicles and related products, with the main aim of maximizing profits. On the other hand, the Sales sector refers to the market conditions under which car representative sale businesses compete, by the sale of cars and related products, having the same aim with businesses within sector one.

It is very important to state the distinction between these two sectors within the A.A.I., as we will be talking about two different market structures, business strategies, competition conditions, e.t.c. In order to analyse these market structures it would be appropriate to develop two economic models, one for each A.A.I. sector.

1.1-Analyzing the Manufacturing Sector

There is only one market structure that can best describe the market conditions in the Manufacturing sector if A.A.I., this is Oligopoly. As there are only two organizations that produce cars in Australia, and these are Ford and Holden, the competition methods and pricing strategies are based between these two organizations. The following economic model shall help define the competition and economic conditions for the Australian Automotive Manufacturing market.

The first important characteristic of Oligopoly that needs to be stated is that prices between competitors tend to be “sticky”, which means that they change less frequently than any other market structure. This statement will be explained in more detail later on, when we will be developing the Game-Theory model, as it is a very important concept of competition. The second most important characteristic is that when prices do change, firms are likely to change their pricing policies together. These two characteristics can boost up competition within the market. Firms will either try to match rivals’ price changes or ignore them. This is depended on the Game-Theory that is explained bellow.

However, the recent market conditions for the Australian Automotive Industry and the actions of the Australian Government have worsen the competition conditions and possible pricing options available for firms in the market. The production and maintenance costs for a manufacturing business in Australia are already high and rising, mostly due to lack of economic resources and advance of technology. That is, as Holden and Ford try to compete each other, given that prices tend to be “sticky”, they are forced to focus on technological advantage and marketing. Both of these business sectors produce high costs. Furthermore, the Australian government has made it clear that is unwilling to further subsidize automotive organizations in the market. All these factors stated above produce a negative effect on the competitiveness of both firms. In other words, rising costs alongside with decreased revenue push firms in experiencing lower and decreasing levels of profitability.

Profitability and the level of competitiveness are highly interrelated in an oligopolistic market structure, being the two most important factors, alongside with product differentiation, in the competition policies that the firms follow. When we say that the level of competitiveness of a firm is very low, we mean that the firm cannot react effectively to any price changes or competition changes or even changes in production costs. This may leave the firm depended on its’ competitor’s pricing and competition actions, not being able to affect the market competitiveness at all. The firm is then exposed to external danger and can be pushed out of the market, or even worse to shut production and declare bankrupt.

1.2- The Game-Theory Model for Oligopoly

The Game Theory model is used to explain the pricing and competition policies of firms in an oligopolistic market structure. Furthermore, it can show the few different competition policies based on pricing that the two firms can follow, that is High and Low as stated above. All firms in this market structure follow a Game-Theory model, although it is surely more detailed than our example, in the process of trying to forecast competitors’ pricing and competition movements and also keep track of the competition levels in the market and market share. But how does this happen?

For example, let’s say that there are four different fields, each divided in half. These fields represent the pricing strategies that Holden and Ford may use in the process of competing each other. Field A and C represent a High-Pricing policy for Holden, while fields A and B represent a High-Pricing policy for Ford. Lastly, fields B and D represent a Low-Pricing policy for Holden, while fields C and D represent a Low-Pricing policy for Ford. When both firms decide to follow a High-Pricing policy they share a profit of, let’s say, $12 million. If Holden decided to move to a Low-Pricing policy it will experience a maximum of $15 million profit, while Ford’s profitability will fall to $6 million. The exact opposite may also occur, while if both firms decided to follow a Low-Pricing policy they would realize a maximum of $8 million of profit.

What we can identify from the above example is that firms in an oligopolistic competitive market rarely change their pricing policies because this may produce a negative effect on their profitability levels. However, Holden and Ford, being the only two firms in the Australian Automotive Industry, they will focus on competing through product differentiation and marketing. That is, they will try to compete by differentiating their products, for example by producing vehicles with different features, or even base their production on technological advantage. Marketing plays an important role here, as it is the main tool that delivers and connects the customer with product. For example, if Holden introduces a new driving technology that improves driving experience and safety and produces this technology alongside with a newly designed vehicle, it is quite likely that Holden will effectively differentiate its newly designed vehicle from a relative vehicle of Ford and lure more customers in the store. Holden may also use marketing techniques to deliver this technology to the public, in the form of knowledge; hence try to boost sales without changing its pricing policy. However, it is important to state that this new technology may produce higher production costs, if not evaluated properly; hence Holden can only rely in increasing its market share to gain greater profitability. The sales part, however, will be analyzed in more extend within the next chapter of this report.

The Game-Theory is not just a theory for the Automotive Industry in Australia, it’s a fact. It shows us that auto manufacturers in Australia have based their competition strategies on all the factors stated above and as much as they possibly can on pricing strategies. They may advertise that they have low prices, but in fact their prices are very stable. If we have a close look at Holden’s or Ford’s websites, we will identify that there is a huge variety of products and each firm competes in that. However, the new market conditions stated before have greatly changed the way auto manufacturers think of the future and this in turn may change their pricing and competition policies, or even determine their existence in the market.

2.1- Analyzing the Import/Sales Sector

While the auto manufacturers are considered to be operating in an oligopolistic market structure, importing and selling vehicles or relative products is a different story. The import and sale of vehicles is the second and equally important business sector of the Australian Automotive Industry. There are many different car selling businesses and we shall only consider first-hand sales, as second-hand sales in general are not included in economics and more specifically in GDP measurements. To enter the industry hard at all as there are not many barriers to entry, however someone who is interested needs to consider of the high costs in setting up an automotive dealership. All businesses in this market are mostly based on product differentiation to compete and while prices are not “sticky”, pricing competition is set up by the market mechanism and tends not to be considered a regular phenomenon. Lastly, cost analysis and cost management play a very important role. All of the above characteristics refer to the Monopolistic Competition Market Structure. In this market structure we will focus on two phases, the short-run phase and the long-run phase, each with different competition characteristics and outcomes.

An important factor that we need to state here is that when the costs of developing a vehicle in the manufacturing sector rise, then the cost for selling the vehicle for a dealership may rise as well. This is always depended of course on if the vehicle was produced in Australia and if it was produced overseas, under what economic conditions was it produced. Price might be “sticky” for manufacturers, however prices will change much easier in this sector if needs be. Here firms will change their pricing policies if costs either rise or fall and this is always depended on the market mechanism. The amount of competitiveness along with the amount of price elasticity of demand will depend on how many rivals the monopolistic competitive firm will have to face.

In such market the following situation is very common, a situation that helps us distinct between short-run and long-run:

Stage One

In this stage the firm experiences economic profits. However, this fact will draw new firms in the market causing the profits to be competed away.

Stage Two

The economic losses indicated in this stage will cause many firms to exit the market, as they cannot keep selling under these market conditions.

Stage Three

In the final stage, the market clears-up, or reaches equilibrium point. As all firms that needed to exit the market have done so, the market mechanism comes to the point where no economic profits/losses are realized by the firms. This is the point where the market is most stable.

Studying the situation above we can identify one very important fact for any monopolistic competitive firm in the Australian Automotive Industry/ Sales sector. That is that in this market structure, in the long run, firms will realize only normal profits and the market mechanism will eventually reach an equilibrium point. Hence, in the long-run firms will compete mostly through product differentiation. However, in the short run firms may experience economic profits or losses and this is what causes firms to enter or exit the market and “shows” firms how to compete and when to apply pricing competition policies.

Conclusion

The Australian Automotive Industry may be experiencing rough market conditions, mostly because there is no more government support; however competition and profit maximization is still possible. Thinking of moving overseas is not always a good option for the manufacturing businesses, as the Australian Economy needs the manufacturing sector, as it represents a reasonably big part of GDP.

Market competition conditions are well defined for every manufacturer or car dealership, hence any business in the market ought to use the available to them competition strategies and achieve higher market share and profitability level or stabilize its profitability levels. Either way, these are the main goals for almost every profit-motivated business in any market type under any market structure. However, every business ought to define the market structure that is operating in, so that it can then clearly define its goals, strategies and policies. The market mechanism is in all cases responsible for all the above strategies and most of the cases responsible for setting up pricing policies or indicating pricing and marketing strategies.

How To Look For An Auto Glass Windshield Replacement

Safety in the road when you are driving is very important, a lot of accidents do happen because of negligence on the owner of the car. A crack in your window shield might be a small problem for you but it can lead to serious car accident if you do not do anything to replace or fix it. When you have this kind of problem, you need to go to a auto windshield companies which will replace or fix your broken wind shield and since there are a lot of companies to choose from, you need to find the right one, how? Here’s some helpful advice for you.

Make sure that you look at your yellow pages, there are a lot of companies which advertise their business. Online is also a great place for you to check some companies which offer great service for your car. When you find one make sure that you ask if you can use your insurance deductibles, because some of the replacement companies do. If you do not have car insurance, you need to pick a company which will not cost you too much.

When you are dealing with the company make sure that you have the necessary documents such as the year, make, model, plate number, and vehicle identification for the company to get the right replacement for your car.

After which, you need to set an appointment with the company. Be clear on the place where you would like your car to be fixed, either in your home, office or would you rather drive to their shop. If you would like to have a home service, then you should certain about the time and the date as to when you and your car are available. The repairman that will go to your home will surely bring some papers for you to sign, make sure that you read all those documents for you to be cleared about all your liabilities and your insurance coverage.

Fixing your broken windshield will not only save you a lot of money from buying a new car, but it will also save your life and those of your love ones. When you are driving especially when you have passenger backseat, big or small damage in your vehicle should be fixed immediately to avoid accidents. You need to find some people which are reliable and will take care of your vehicle.

Summer’s Here – Are Your ‘Toys’ Protected?

With the weather turning warm, people everywhere are breaking out their favorite summer “toys,” including recreational vehicles (RVs), boats, motorcycles and all-terrain vehicles (ATVs).

Unfortunately, you can’t assume that your part-time vehicles are properly insured under an existing auto and/or homeowners’ insurance policy. And rather than simply tacking these substantial investments onto another policy, it’s best to look into policies designed specifically for each.

RV Insurance

Insurance coverage for RVs such as travel trailers, motor homes, fifth wheels, and truck campers offer protection that ordinary auto insurance doesn’t offer. Here are a few reasons to consider RV insurance in addition to your auto insurance policy:

  • Roadside Assistance: Even if your auto policy covers some roadside expenses, it may not cover towing that big, heavy RV – leaving you to pay the bill.
  • Financial Protection: Insurers that offer RV coverage often have claims representatives who know how to look for damage specific to RVs, including specialized RV parts like awnings, slide-out stairs and appliances.
  • Personal Property Protection: Your “home away from home” probably houses things you wouldn’t keep in your car such as camcorders, laptops and jewelry, which may not be covered under an auto policy.
  • Protect Your Investment: RVs are expensive! It’s best to carry “full replacement cost coverage” to ensure payment in full if the vehicle is irreparable, rather than reimbursement based on current market value.

Boat Insurance

Don’t assume that your shiny new boat is covered under your homeowners’ policy. A boat is, for all intents and purposes, a moving vehicle. As such, you need coverage similar to an auto policy, including protection for:

  • Bodily injury that your boat inflicts on others.
  • Property damage your boat inflicts on docks and other boats.
  • Physical damage to your boat, should you hit something or run aground.

You’ll also want to consider comprehensive coverage against theft, vandalism, fire and flooding; personal property coverage for fishing gear and other items; uninsured boater insurance (like uninsured motorist insurance) and even “boatside assistance” in case you need a tow.

Motorcycle Insurance

Motorcycle insurance is essential – and like car insurance, can vary in price depending on the type of bike you ride. In other words, insuring a high-performance sport bike usually costs more than covering a lower-powered bike, scooter or moped.

The components of a comprehensive motorcycle policy are also similar to auto coverage, including collision insurance (to cover damage to your bike resulting from an accident), comprehensive coverage, bodily injury liability coverage, property damage liability coverage, uninsured motorist insurance, and roadside assistance.