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Motor Insurance Quotes – Are Motor Insurance Quotes Legally Binding?

Q: Are the motor insurance quotes I receive from insurance companies binding? If so for how long?

A: The answer to that is yes and no. Let us explain. If you receive motor insurance quotes from an insurance company – then that is the price they are going to charge you. However, they are not legally bound to quote you the same price if you call them back three days later.

It is likely you will receive the same quote from the same company provided there were no incidents from when you first received the quote, but just because it is likely doesn’t mean that the company is bound to stand to by the earlier quote.

A good way to find out how long the quoted rate is good for is to ask the agent or representative who is giving you the quote. Be wary of a hard sell at this point however as the agent is going to realize you will be requesting quotes from other companies.

Motor insurance quotes are liable to change suddenly due to market changes, new insurance legislation, or a driving offense that may have occurred. To avoid this we recommend doing all of your insurance shopping over a one or two day span. This will ensure you get the price that was quoted to you.

Lastly, we strongly recommend that you take comparison shopping seriously when it comes to finding the best deal on auto insurance. While it may sound like common sense, there are many drivers who don’t take the time to compare quotes from different companies and end up overpaying for their coverage as a result.

The Mercedes Benz Mystique

Nothing quite says you’ve made it like driving a Mercedes Benz. But why? What is it about this kind of car that exudes luxury and status?

For older drivers, there’s no denying that Mercedes has a sense of history which adds to the mystique of the brand even today.

Gottlieb Daimler got his start in 1886, when he built a true “horseless carriage.” He was considered to be the father of the internal combustion engine. When he died in 1890, he left control of his company to William Maybach, his chief engineer. He also left behind a deal with a Mr. Steinway (the piano guy) to market Daimler vehicles in the United States.

Carl Benz got his start in 1886 as well. He built a motorized tricycle that year, and he followed that up with the first motorized four-wheeled vehicle in 1893 (his Victoria model), and his first production model appeared in 1894 (the Benz Velo). A year later, he was turning out trucks as well.

History tells us that the two inventors never knew each other, but they would eventually become a single company producing one of the world’s foremost symbols of automotive luxury. It all started with a girl.

The year Daimler died, his company built a custom vehicle for auto racer Emil Jellinek, who named it after his daughter, Mercedes.

After the First World War, the German economy suffered and the Benz company was looking for a partner to keep operations going. A Benz board member first approached the Daimler company in 1919, and after some false starts, the two companies merged in 1926. They chose their now famous three-pointed star surrounded by a laurel as their product symbol, and adopted the name Mercedes-Benz.

Back in 1920s, a Benz cost almost 25 million German marks. Combine that big price tag with the flamboyant lifestyle of men like Jellinek singing the car’s praises and you end up with a brand known as the pinnacle of luxury. Not to mention that the cars are still pricey and often include innovative features that don’t show up in other manufacturers vehicles for years, like fuel-injection and anti-lock brakes.

Then again, perhaps it’s the vaunted German engineering, at least for car enthusiasts.

Mercedes got its start in Germany, and came to be a huge fixture in the auto racing world (maybe Jellinek helped them get their start). Racing cars of the early days were often custom affairs, and showcased the engineering skills of the companies that made them. Starting with the Simplex design in the early 1900s, Mercedes came to be the dominant force in racing.

For a car enthusiast, nothing says you’ve got the “in” machine quite as well as claiming the engineering skills that won Le Mans for years is under your hood.

So whether it’s the colorful history, the price tag or the engineering that goes into creating a car many considered to be a work of art, nothing says style, luxury and craftsmanship like a Mercedes-Benz. Maybe that’s why Janis Joplin asked God to buy her one.

Top Causes of Car Accidents

Experts state that the major causes of car accidents are driver distractions. Dangerous distractions that can lead to an accident include cell phones and other gadgets that drivers use as they drive. Cell phones, laptops, electric razors, etc. causes drivers to take their eyes off the road for seconds at a time with the potential to cause a serious, if not deadly, accident. In response to this, some states in the US have banned the use of hand-held cell phones while people are driving. The alternative is to use a hands free ear bud that is lightweight and comfortable, and allows a driver to carry on a conversation without diversions.

Another dangerous distraction is when a driver who has been drinking and then attempts to drive. The effects of alcohol can and does raise havoc behind the while. Anyone with a blood alcohol level of .01 is considered unfit to drive. The effects of driving while intoxicated include drowsiness, loss of focus and the inability to judge distances and reaction times.

Rubbernecking and tailgating are other potentially dangerous habits that many practice while driving. Rubbernecking occurs when drivers slow down to look at another accident on the road or anything that looks unusual on the highway. When a driver slows a car down too quickly, the driver in the car behind often times doesn’t have enough time to slow down or stop and runs into the back of the vehicle in the lead. Rear end collisions can lead to serious injuries. The same applies for tailgating in that a driver who is following a car too closely may not have enough distance to stop suddenly, and the potential for a serious accident is eminent.

A driver’s behavior causes many accidents; still others are caused by mechanical failure or road conditions. There are technical solutions that are available to help with these problems and have contributed to a decline in the death rates caused by automobile accidents. They include proximity monitors that let a driver know how close they are to the vehicle ahead; sobriety detectors, that measure the amount of alcohol that a driver has consumed and drifting monitors that alert a driver when his or her car drifts too far to one side of the road or the other.

How Does A Remote Control On A Gate Actually Work?

Automatic gates or garage doors have always had a certain novelty about them. But when there is a power shortage, or the machinery is faulty, how do these gates open? Is it better using remote controls on gates, or should you stick to automatic ones instead? What’s the difference? The below text aims to explain.

Automatic gates vs. Remote Control Gates

More and more people are relying on electronic gates these days because they provide an extensive security measure. Automatic gates, for example, detect authorized vehicles through a sensor that is attached or latched in a vehicle and swing open. Remote controlled gates, on the other hand, are “manually” opened when the driver presses the button on his remote.

The great thing about automatic gates is that if a vehicle that drives by does not have a sensor the gates won’t open. For remote gates, however, there are universal remotes that can be programmed by the user according to the brand and style of gate. So if, you need more than one remote for your gate, you can buy a universal one and program it. If you somehow manage to lose your remote, you are advised to modify the entire system. It’s too risky, knowing that your remote is somewhere out there.

Remote Control Mechanism

How do remote controls for gates work? They works just the same as the remote control on your television and your car. You press a button, which sends a signal to the receiver attached to your gate, and once this signal is received, the gate opens. As mentioned above, it’s pretty easy to buy a universal remote for your electronic gate system if ever you need more than one.

The best advantage of remote control gates is that most systems now are backed up with a battery. Meaning, if the power is cut in your home, you can still enter the house with your remote. This comes pretty handy during severe weather conditions, when blackouts are highly probable.

Remote control systems are pretty easy to install on your existing gate. You don’t need a complete refurbishment of your front yard or garage to have an automated gate. There are hundreds of companies online that you can look up and buy your remote control system, or you can just buy them and install them all by yourself, to save up on the labour costs. Either way, there are a lot of options out there. Just remember that the system you install must be accordant to your gate. If you have a swing gate, then you have to get a swing gate opener, not a sliding gate system.

Remote controls for gates and garage doors are pretty nifty inventions. They save you a lot of time and effort from getting out of the car and walking to the gate and garage door. They also keep you dry when you come home during those rainy days. It’s true that they might cost a handful during installation. But the added security and convenience are unquestionably worth it.

Car Driving Tips – Accelerate Through Curves For Better Traction

Of the many car driving tips that might be offered, this one isn’t intuitive – accelerate through curves to gain better traction. It seems that acceleration on a curve would cause a vehicle to loose traction and fishtail. It does if you apply too much, but limited acceleration improves traction when taking a curve.

To understand this, let’s first look at traction. Then let’s see how a vehicle wants to behave when rounding a curve, and then let’s put the two together.

Traction is…

Traction is necessary for travel in the direction we desire. When we accelerate away from a stop, the vehicle moves because it has traction with the road. It moves away from the curb smartly if we accelerate more because greater acceleration provides more traction – up to the point where we’ve lost traction because of applying too much power to the drive wheels.

If we’re on snow and ice, nearly any hard acceleration will cause the wheels to slip and the vehicle to slide in ways that make it behave more according to momentum and gravity than in the direction in which we’re steering. If we accelerate lightly, then we’re likely to move in a manner and direction that we expect.

Think in Term of Vectors…

Now, think of vehicle travel in terms of a single vector pointing in the direction your vehicle wants to travel. When you’re driving straight, there is a vector pointing directly ahead of you because your drive wheels are pushing or pulling you in that direction. Easy enough to understand.

Now, imagine the vector when you’re coasting around a curve. It’s pointing ahead of you and towards the outside of the curve because you’re going forward yet momentum wants to take you off the road. Accelerate hard and you lose traction and slide in the direction of momentum – the vector points hard to the outside of the curve as you slide off the road. It’s the same as if you had hit ice on a curve – you lose traction and the vehicle goes where momentum and gravity want it to go.

Putting it Together…

In light of the example above where we lost traction on a curve, it’s easy to understand that more traction will keep us going in the direction we desire (simply because a loss of traction had the opposite effect). We also discovered that increased acceleration provides enhanced traction – up to a point.

Therefore, if we accelerate just a bit, then we’re taking advantage of enhanced traction and effectively redirecting the vector to point more towards the desired direction of travel and away from the outside of the curve. This is why experienced motorcyclists will slow down a bit going into a curve and accelerate through the curve – it helps them “stick” to the road with more traction.

Try it Yourself…

Here’s an experiment to prove the point. Drive with a steady foot around a curve you travel often and note how it feels. Then the next time drive around the curve, simply coast a bit and see how it feels. Then, the next time you drive around the curve use slight acceleration. You’ll notice the difference between the three approaches, and it will convince you that limited acceleration promotes traction in a curve.

Again, of all the driving tips, this one isn’t intuitive, but it’s true that acceleration through curves provides a wider margin of safety because of improved traction.

A Short History Of The Motorcycle

Todays motorcycles are everywhere and there are lots of different classes or kinds of motorcycles as well. But the motorcycle, like the automobile, is a relative newcomer to the world stage.

The first motorcycle ever assembled was built by the German inventors Gottlieb Daimler and Wilhelm Maybach in 1885 in Bad Cannstatt in Germany. They were actually focusing more on the motor that was installed to power the two-wheeled contraption and not so much on creating a new kind of vehicle, but the resulting impact on motorized travel would be tremendous. There were earlier versions of steam powered bicycles, but this was the first petroleum powered motorcycle.

Not long afterward in 1894 the very first production motorcycle went on sale as the Hildebrand & Wolfmüller motorcycle. It wasn’t long after that before several of the bicycle companies of that time got into the act and started selling versions of what was essentially motorized bicycles. However, as horsepower increased, the engines started to outgrow the bicycle frames that were used as their carriage.

The most popular motorcycle company before World War 1 was Indian motorcycle. After the war, Harley Davidson took over the number one spot until 1928 when DKW became the leading motorcycle manufacturer in the world. For a few years after World War 2 BSA took over as the largest motorcycle producer until 1955 when NSU Motorworks who had started out as a knitting machine company in 1884 became the dominant manufacturer for the next couple of decades.

Then in the 1970s the Japanese companies Honda, Kawasaki, Yamaha, and Suzuki made their entrance into this field, changed the face of the industry, and quickly became the dominant motorcycle suppliers to the world from then on. Since the 70s Honda has held the title of the world’s largest motorcycle maker. Today, the big four motorcycle makers have penetrated practically every motorcycle market in the world, and they are highly regarded as makers of high quality motorcycle products.

In recent years some of the older motorcycle brands like the Indian have regained popularity with Harley Davidson being the most successful by far.

Tips on Cleaning Car Interiors

Aside from looking great, having clean interiors can create a healthier environment for car. It will be safer when your parents or friends ride with you. Even if we clean ourselves everyday, if our surroundings are unclean, it will pose a risk on our health. Since we ride our cars to work, to the grocery or even to the mall, it is important that we keep it clean. The interior is the most critical area because it is where we sit throughout the ride.


Take out your floor mats and vacuum the seats as well as the carpets. With the proper attachments, you can reach around the pedals, under the seats and even the sections between the central console and the front seats. It will make it easier to seep out dirt stuck in the farthest corners.

You can utilize a soft brush attachment for doors and dashboards. Be extra carful on the vents, sticking parts and knobs. You can also use this same attachment when vacuuming your seats. Since leather seats are fragile, make sure you do not accidentally scratch them with your vacuum hose.

Cleaning Door and Fabric Seat Upholstery

There are numerous kinds of upholstery cleaning agents available in the market. You can decide on what you prefer for your car upholstery. Although there are cleaning agents that make a lot of promises, your best bet is to go with a trusted brand that the majority uses.

Turtle Wax’s spray cleaners are good. You can use it to evenly spray on your door and seat upholstery then rub it vigorously. After this, use a dry cloth to wipe it off thoroughly.

You can also use a laundry detergent for alternatives. Combine it with some water then dip a clean cloth in it. Make sure you squeeze it well but it is still barely moist when you use it. Work harder on the dirty sections. Once you are finished, dry it out using a dry soft and clean cloth.

Make sure you do not get water inside your car because it can get into the electrical components, resulting to problems. Aside from this, if the water gets into your seats or under your carpet, it can lead to stains, corrosion and mould smell.

Cleaning the Carpet

Similar to the method you used on cleaning your upholstery and seats, you can clean your carpets the same way. First, evenly spray your carpet with some caret cleaner and rub it vigorously. Use a dry cloth when wiping it. Laundry detergents also work well with carpets. Make sure you do not soak your carpet in water; it will lead to corrosion and mould smell. Finally, dry out your carpet.

Cleaning and Polishing the Dashboard

To clean the central console, dashboard and other plastic parts, you can just use a barely moist cloth. Utilize only small amounts of laundry detergent when removing stains. Then dry it with a dry, soft and clean cloth.

You can make it shiny by spraying plastic polish and evenly spreading it with a soft brush. Make sure you do not directly spray on your stereo. You can use a brush to do so. Afterwards, gently dry polish your dashboard. You can also use a dry, soft and clean cloth. It will make your dashboard shinier and will also protect the plastic. Periodically, you can just use a soft duster, ensuring that your dashboard will look brand new for a very long time.

Getting Rid of the Air Conditioner’s Musty Smell

For unpleasant, musty smells from your air conditioner’s vents when it is turned on, you can just buy odor treatment from your local auto accessories shop. It kills the mildew smell and the bacteria. A good brand is Wynn’s. You simply spray it onto the outside air intake vent.

Another reason for the damp mildew smell can be a clogged air conditioner, drain tubes or an accumulation of debris under your cowl cover. You can just have your mechanic check on this the next time you have your oil changed.

For other auto cleaning and car washing issues, especially if you do not have the time to clean your car because of your very busy schedule, you can just take it to the nearest auto cleaner or car wash. I the US, the most trusted car wash chain is Auto Bell Car Wash. This was founded by Charles Howard Sr. in the year 1969. They have an ongoing promo which provides customers with unlimited full service washes for only $39.95 a month. This promo is available in all their locations. They cater to a large selection of car appearance services. /they aim to maintain your car’s safety in an affordable price.

They offer several services. First is the full service wash. This includes vacuuming; exterior washing; window, mats, tires and wheel cleaning; wiping interiors and hand finished exteriors. They also have double polyprocess service. This is their exclusive service that requires a couple of steps of polishing and clear coating.This is designed for today’s finishes. It also includes Auto Gloss to reduce surface tension and enhance the shine.

And third is the polish service done after the finish is cleaned. They make use of a special non-abrasive polishing agent that removes all minor scratches. After this, they will apply a sealer.

Tips on Finding the Best Honda S2000 Hardtop

Most Honda S2000 owners don’t realize that it is pretty easy and inexpensive to turn their car into a hardtop model. There are many reasons why one should look into this option. Appearance is one of the first reasons and probably the most important one, at least for S2000 owners who take part in the auto fashion world. Mugen and Spoon style hardtops are available in paintable fiberglass as well as fully finished carbon fiber. As we all know, the use of carbon fiber parts in the automotive industry has been very popular for over a decade and the trend will continue to rise in the future.

There have been numerous successful attempts by car burglars on the S2K models and many insurance claims filed for the same vandalism. S2000 seems to be pretty easy to break into, by cutting the factory soft top and unlocking the car. It appears that the car seats are worth quite a bit and hold a decent resale value on the streets. Now there’s a second good reason for owning a hardtop.

Winter is probably not a good season for owning a soft top convertible due to rain, moisture, wind noise and leaks. Just about any vehicle equipped with a soft top is going to have some type of leak, usually air, sometimes water. Without the car sealed tight, the windows tend to “fog up” during winter. As for air leaks, no one likes that “whistle” caused by an air leak, especially on a long drive. If installed properly, a hard top is not going to cause any of these problems.

There are a few styles of hardtops available for a S2000. Honda makes an O.E.M. hardtop, which is available directly from the dealer. This option is probably most common for people who purchased the O.E.M. hardtop while purchasing the car from the dealer. This factory part is considered to be pretty expensive, cost over $3,500 with hardware. High price tag and not too attractive in appearance. Not such a great option.

The most popular option is the Honda S2000 Mugen hardtop. There are a few reasons why this such a hot product. Similar to O.E.M. hardtop, this part installs on the vehicle using factory front latches and two brackets behind the seats (one on each side). The rest of the installation involves simply attaching weather stripping and seals. The beauty is that the factory soft top doesn’t even have to be removed from the car. This hardtop installs over the factory soft top. Just like the installation process, it is also very simple to remove the Mugen hardtop from the S2000 for those warm summer days. Simply unlatch the front and remove the two brackets in the back. Available in paintable fiberglass as well as finished carbon fiber, usually a car show winner. For a price tag starting around $800, best option so far.

Spoon S2000 hardtop has the most distinctive appearance. This two piece part completely changes the look of the car. The rear part of the top is angled down to give the S2K that “fastback” look, making it very popular at the track. Starting at around $1,800, some love it, others hate it. So, whether you go with the O.E.M., Mugen or Spoon hardtop, still beats dealing with issues caused by the factory soft top.

The Backlash After Whiplash: What Can You Do?

Have you ever been in a motor vehicle accident? During the average lifetime, there is a strong likelihood that you or someone you know will experience an unfortunate event of this kind. Statistics show that during their life span one of every four people will be in a car crash. After a fender bender, whether you are the driver or a passenger, you may take a painkiller or two and perhaps do some physical therapy. Then, when you feel better, you may never think of it again. But what if symptoms linger? Or, worse yet, if you have no symptoms, can an accident come back to haunt you?

What Is “Whiplash”?

The non-medical term whiplash was first used in 1928. Although more accurate terms, such as acceleration flexion-extension neck injury or soft tissue cervical hyperextension injury have sometimes replaced it, “whiplash” continues to be used commonly for this kind of soft tissue neck injury. Whiplash injury specialist Dr. Arthur Croft estimates that as many as 3 million whiplash injuries occur every year in the United States, and that one of every three people will suffer from the condition.

Whiplash injury is a sudden strain or trauma affecting the bones, disks, muscles, ligaments, nerves, and tendons of the neck, a body area that involves seven vertebrae and is known as the cervical region. The damaging forward and backward or even sideways jolt of the head and neck are caused not only by automobile accidents, but also by contact sports, various amusement park rides, falls, and assaults. Statistically, motor vehicle collisions, contact sports, and amusement park rides are the top three causes.

Various symptoms are associated with whiplash injury, including, but not limited to, neck and back pain, nausea, numbness, weakness, fatigue, dizziness, vertigo (loss of balance), inflammation, hearing impairment, headaches, visual disturbances, fracture, and paralysis. Occasionally, no symptoms are present initially, only showing up days, weeks, or even years after the injury. The consequences of whiplash range from mild pain for a few days (the most common outcome) to severe disability caused by restricted movement of the head or of the cervical spine, sometimes with persistent pain. It is likely that 40% to 50% of people with whiplash injuries suffer permanent pain.

Treating the Injury

Following an accident, it is important to be checked immediately either at an emergency room or by your chiropractor. Provided no fracture has occurred, a chiropractor can do an examination that begins with obtaining a detailed history, followed by orthopedic and neurologic tests, a range of motion test, posture and palpation check, and X-rays to see the extent of damage or change in the spine. The neck should be perfectly straight on an X-ray, and your chiropractor will be able to identify any misalignment (subluxation). On a side view, the neck should show the arc of a circle. Loss of the cervical curve, which is common on physical impact, can cause any of the whiplash symptoms listed previously.

Treatment for whiplash includes passive and active exercises, gentle massage, chiropractic, therapeutic massage, spinal and extremity adjustments, as well as such therapies as traction to correct the spinal posture, electrical stimulation to relax the muscle spasms, stretching, and ice. Application of ice immediately after most whiplash injuries helps reduce inflammation and swelling. Each application should be maintained for 10 to 20 minutes every hour. After 24 hours, alternating between ice and heat is recommended, up to 20 minutes per treatment. The ice or ice pack should be wrapped in a towel before use. To sleep, the patient can roll a towel and place it underneath the neck while lying on his or her back so that the back of the skull is resting on the bed, a position that promotes healing of the injury.

Chiropractic Is Preferred

Many studies have shown chiropractic and acupuncture are more effective than medications for treatment of injuries sustained in car accidents. According to the Insurance Research Council, “nearly one third of all claimants injured in motor vehicle accidents (MVAs) seek treatment from doctors of chiropractic.” This is an impressive number when you consider that the National Safety Council (NSC) has determined there are more than 12 million MVAs annually involving more than 20 million vehicles.

In a related study published in the New England Journal of Medicine, researchers showed that “treatment of the facet joints [which link the bones in the spine] not only relieved severe neck pain, but also resolved the psychologic disturbances associated with car accidents.” According to another study published in Dr. Stephen Foreman and Dr. Arthur Croft’s book Whiplash Injuries: The Cervical Acceleration/Deceleration Syndrome, 3rd Edition (Lippincott Williams & Wilkins, 2001), a recent comparison of medicine, acupuncture, and chiropractic care in a randomized trial reported that “comparing medication (Celebrex, Vioxx, or paracetamol [acetaminophen]) to acupuncture and spinal manipulation over the course of 9 weeks in persons with chronic spinal pain (neck to low back pain included), the authors demonstrated a rather profound superiority in chiropractic spinal manipulation.”

Many people choose chiropractic care for treatment because of its advantage in improving soft tissue injuries (ie, ligaments, muscle, tissue), especially of the spine. As injuries associated with car accidents are most frequently sprains and strains of the spinal muscles and their associated ligaments, it is natural that chiropractic is the preferred treatment.

Preventing Further Injuries

Various proactive factors can help prevent whiplash injuries from occurring or worsening while driving. Besides the obvious steps to avoid distractions in the first place, such as not using a mobile phone either to call or text, wearing a full lap restraint is a must. Drivers and passengers should position their headrests in the middle of the back of the skull and try to keep the head on the headrest while the car is in motion. Looking straight ahead and frequently checking the rearview mirrors are also crucial for the driver.

Because some whiplash injuries result in effects that last for years, if an accident with cervical impact occurs, receiving immediate attention is essential. Seeking good medical and chiropractic care without delay can help prevent additional injuries from developing as well as preclude the need for surgery.

Dr. Chad Laurence is one of fewer than 400 doctors worldwide to be recognized as a distinguished fellow of Clinical Biomechanics of Posture. His practice focuses on structural correction of the spine, nutrition, massage therapy, acupuncture, family care, and pediatrics as well as support after personal injury and auto accidents. Dr. Laurence can help relieve symptoms for individuals suffering from a variety of physical problems, including neck and low back pain, carpal tunnel syndrome, headaches, extremity issues, and arthritis.

Auto Insurance – Understanding the Different Types of Collision Insurance

When choosing auto insurance there are several options to keep in mind when trying to build a policy that best suits your needs. Everyone knows that in almost all of the states, to drive a vehicle legally, you must have at least liability coverage on your car – but what about other types of insurance? Well, one of the most important options is your collision coverage.

If you finance a vehicle for purchase or lease, your lender is going to insist that you have collision coverage, and the more the better. For example, in the state of New Mexico, if you were to lease a Cadillac, the company responsible for the lease will likely insist that you purchase the maximum collision coverage available. There are levels of collision coverage that you must become familiar with to make the correct choice for your situation.

The least amount of collision offered would be called the “Limited” option. If you choose this option and you rear-end another car, which would be your fault, your Limited policy would pay nothing. If you got rear-ended, making this the other person’s fault, you would pay your chosen deductible, and then the insurance company would pay the rest. So, if you are better than 50 percent responsible for a collision and you have Limited collision coverage, you foot the bill.

The middle of the road collision choice is called the “Standard” option. In this instance, if you broad-side another car or they side-swipe you, you will be responsible for your chosen deductible, ranging anywhere from $250 on up to $1000. Basically, with the Standard option, what you pay is the same no matter whose fault the accident is. Some states offer a zero deductible choice, but the premium rates would be considerably higher. The Standard collision option is most commonly chosen by the average driver.

The highest and most expensive collision option is called the “Broad Term” option. In this instance, if you are responsible for the collision–or at least better than 50% at fault, you will be responsible for your deductible and the insurance company will cover the rest. If you are not at fault for the collision and you have Broad Term collision coverage, you pay nothing. The insurance company would pay for everything for you at 100%.

Also keep in mind that the insurance company is only responsible to cover damages up to the value of the car. So, if you really get into a huge pile-up and your car is crushed and will cost more to repair than its actual value, it will be declared totaled–just food for thought.

So, shop carefully for your auto insurance policy, choose your options wisely, be a safe driver, and make sure that you are covered as best as your budget allows.