September 25

Motor Insurance Claim for your Vehicle – A Simple Process

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To make a motor insurance claim for vehicles if there is an accident is easy. It is a simple two to three step process to ensure you peace of mind in your hour of need. The first step is to call a customer service centre to register your claim and get a registration number for future reference. Information such as your contact number, policy number, vehicle number, time and date of accident, nature of damage incurred, if there is an injury are recorded.

All motor insurances companies have tie ups with garage networks which offer you cashless facility for servicing your vehicle. A surveyor would be appointed to check the vehicle at the garage and give approval for the repair. The vehicle would be handed back to you post your satisfaction on the repair done. If you choose to repair your vehicle at one of the garages in the network of the motor insurance company, the claim is settled directly at the garage. You might have to just pay for the damage that is not covered under the insurance or which is not related to the accident.

Alternately, you can repair the car at any garage you want to and get back the amount spent as reimbursement. This reimbursement can be obtained only once the repairs are done and your have submitted your bills to the motor insurance company’s claims department.

The motor insurance claim process is smooth and has been kept easy for the convenience of the customer. Your motor insurance policy would cover claims if there is damage to your vehicle due to a natural calamity like fire, flood, earthquake or cyclone. Accidents, riots, strikes or terrorist activities are also covered by a motor insurance claim. Insurance for damage during transit by road, rail, air or inland waterways are provided by the insurance claim process. The next circumstances are of -voluntary excess’ or -deductible’. It is a definite sum of money an insured, which, is you, choose to bear if there is an accident and the rest is insured under the policy.

Motor insurance companies also compensate for injury or death of the driver or owner of a car which is insured, damages caused to a third party during an accident, third party property damaged, etc. Motor insurance policy excludes common damage to the car, mechanical or electrical breakdown, damage incurred outside the country or damage caused at the time of driving under the influence of alcohol. Your claim would not be welcome if the accidental damage to the car and property has happened due to any of the exclusions mentioned by the motor insurance company.

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It is very essential to have a car insurance policy. Author Pranav Sharma is an experienced insurance professional and widely read expert on general insurance based in Mumbai. Pranav helps readers opt for best car insurance policy in India.

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September 25

Motor Vehicle Accidents A Killer On The Loose

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Motor vehicle accidents are invariable caused by the driver’s negligent driving of a motor vehicle. Motor vehicles fall under two broad categories – Light Motor Vehicles (LMV) and Heavy Motor Vehicles (HMV).

Motor vehicle accidents are further categorized as follows – car crashing against another vehicle; car crashing against a human; a car striking an object or meeting with a fall from a precipice amongst others.

More and more governments all across the world are taking some serious action in reducing these accidents because of the staggering numbers of motor vehicle accidents.

Why do Most Motor Vehicle Accidents Happen?

* Excessive speeding of the vehicle is one of the top reasons for motor vehicle accidents. This usually happens when a vehicle goes beyond the prescribed limits. In the United States, most roads have speed limits that are strictly implemented.

* Cases of Motor Vehicle Accidents are also reported due to a driver being drunk. If a person in an inebriated state drives a car, he may in all probability not have full control of the car’s motion. Such drivers cause car crashes which could easily result in fatalities.

* Car crashes are also attributed to vehicle malfunction. A vehicle is composed of parts that ensure the safety and control of the vehicle – brakes, accelerators and fuel pumps are examples. When these do not work as they should, it can cause car crashes or accidents.

Some statistics on Motor Vehicle Accident for you

Here are some numbers on Motor Vehicle Accidents which are sure to surprise as well as shock you. Occupants of light cars like the BMW, Honda etc can survive death from a two car accident close to 92-94% of the time. This obviously means that 6% of the times when two car accidents take place, it results in occupants losing their lives. As per statistics, there are close to 1000 car accidents reported in the United States of America daily. Taking the figure of 6%, it means that 60 people lose their lives daily due to motor vehicle accidents.

What does the law do about this?

Most national governments have stepped in and laid down the law regarding motor vehicle accidents. When this happens, the person responsible for the accident is required to stop driving immediately. He is also required to hand in the papers of the car and his insurance papers to the police, FBI or any other law enforcement officer present at the scene. When found guilty, the driver may be sentenced to jail or is asked to pay a penalty.

The way ahead to stop vehicle accidents is to ensure that one drives safely. Though, the concept of manufacturing cars so that they comply with safety standards is increasingly gaining ground, the best policy is still summarized in the saying: “Drive Slowly, Reach safely”.

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September 24

Advantages Of Wearing Motorcycle Helmets

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At high speeds, most motorbike crashes are fatal. However, with the right motorbike helmets, you can protect yourself as well as your passenger. Below are some reasons why you and your passenger should wear a motorcycle helmet.

Flying Objects – Insects, Birds, Dust – and Weather Elements
A riding helmet is important as it protects the eyes from dust and moving air, which can irritate and cause discomfort. This is dangerous because it can make you lose control and resulting in an accident, fatal or otherwise. Helmets will also protect you from stinging insects such as the African bee.

During a rain storm, a helmet will protect you from the downpour and improve your visibility in such conditions.

A helmet will help in maintaining your bodys core temperature when riding under icy conditions. The helmet will also protect your skin from sunburns when riding under sunny conditions.

Crush Safety
Unlike cars, motorbikes are not covered and this exposes you and your passenger to greater danger in case of an accident. Most motorcycle injuries affect the limbs and the skull.

Injuries to the skull are usually fatal, and it is better to protect yourself from such injuries than have to deal with them.

Motorcycle riding helmets have an inner liner and an outer shell. The inner lining is composed of EPS or expanded polystyrene while the outer shell is usually made of fibreglass or thermoplastics such as ABS.

The outer shell protects the skull from sharp objects and abrasion. The inner liner acts as an energy absorber and protects the ears from excessive noise.

Penalties
You and your passenger should wear bike helmets because wearing a helmet is a road safety requirement in most countries. Riding a motorcycle without a safety helmet is a crime punishable by law.

Other Advantages
You should also consider wearing a helmet because helmets are cool. Some of the helmets in the market are designer helmets. You can get a customized helmet designed to your specifications.

Motorcycle helmets are advantageous because there are available in various designs. You can choose between full face helmets, modular or flip-up helmets, off road or motocross helmets, open face or helmets, and half helmets.

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September 22

How to Prevent a Motorcycle Accident

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Unfortunately motorcycle accident statistics are grimmer than people may realize. With more and more people taking up riding, accident reports have become more and more common. There are many factors that can contribute to or lead into a motorcycle accident. To help you minimize your risks, we’ve put together a simple list of ways to help keep you riding safely.

Accident Preventionion

1. Always inspect your bike. Motorcycle maintenance is always important when it comes to safety on the road. Take a Motorcycle Safety Foundation course to learn some basic skills.

2. Always wear protective gear. Helmet is most important as most motorcycle fatalities are a result of head injuries. Full leather garb is also highly recommended, along with boots and gloves.

3. Rider’s Safety Course. This is great to do to help prepare you for what may happen on the open road. It can also help keep your reflexes sharp.
4. Never drink and ride. With a whole lot less protection on a motorcycle it is absolutely vital that you do not drink and ride.

5. Always be awake and alert. If you feel tired or sleepy in any way, you should definitely make it a point to pull off somewhere for some fresh air or even a cat nap.

6. Making sure you’re visible or heard. Try to come up with some tricks to make you visible to other drives. Whether it is using your signals, horn or any other combination can potentially be life saving.

7. Watch your speed. Speeding has always been one of the major factors behind motorcycle accidents and fatalities. Be wise and slow it down.

8. Vision check up. Problems with your eyesight can obviously play a huge role in motorcycle accidents. Since there are many factors that can play tricks on your eye, it’s important that you get your eyesight checked regularly.

9. Be honest. It always pays to be honest with yourself. If you know it is time to give up motorcycle riding then do so. The things you could suffer or lose is ultimately not worth it.

If you or a loved one has been injured in a motorcycle accident, then make it a point to contact the Personal Injury Lawyers and Personal Injury Attorneys of Sweeney Attorneys. As your local Riverside County Attorney Sweeney Attorneys can determine whether or not you or your loved one may qualify for compensation to cover wages lost, medical bills (past, present or future) and even pain and suffering.

The Author of this article is a Riverside County Attorney. The Author has written many articles on Personal Injury Lawyers. The knowledge of the author about the Personal Injury Attorneys is clear from this article.

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September 20

Used Boat Motors – Getting the Right Price

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When properly chosen according to your boating needs, used boat motors are very good bargains. However, caution must be exercised as choosing the right secondhand boat motors must be complemented with paying the right prices for them.

# Retail Price of Brand New Motors

Usually, the price of secondhand boat motors in good condition must play in the range between 50-60 percent of the retail price for their brand-new counterparts. Thus, you must do your research so that you have ammunition during price negotiations! At the very least, you have a starting point for comparative purposes.

# Exterior and Interior Condition

Before buying the used boat motors, you should have conducted visual inspections and audio tests that will make damages and deteriorations obvious. From these engine tests, you should be able to secure information on repairs to be done and replacement parts to be purchased. You will then be able to deduct part of the costs from the initial selling price, which is only fair and equitable.

# Depreciation Value

Normal wear and tear must be accounted for when purchasing secondhand boat motors, which in accounting circles is called depreciation value. If the straight-line method of depreciation is used, you can deduct fixed figures from the original purchase cost for every year that the used boat motors have been used until these are sold to you.

For example, if the boat motor was originally purchased for $1,000 and has a life expectancy of 10 years, then the depreciation for each year would be $100. If it was sold to you after two years of original purchase, then you can take the $200 depreciation into account when haggling for the right price.

# Level of Maintenance Care

However, you must also consider that degree with which the original owner exercised proper maintenance. He/she will also ask for a higher price based on the good condition of the used boat motors even after many years have lapsed.

Admittedly, there are many factors to be considered when purchasing second hand boat motors at a price agreeable to both buyer and seller. But with adequate research, satisfactory inspections and good haggling skills, you definitely can!

Visit my blog at for more exclusive guides you should know about used boat motors.

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September 17

Buying Used Cars What To Expect

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So, you need a vehicle. You want something stylish, economical, affordable, but most of all, you want a dependable one. If a new automobile is a bit out of your price range, used cars have much to offer. These previously owned vehicles are nearly as good as new ones, but you won’t have to pay the huge price tag that comes along with them. New vehicles begin depreciating the minute their bought, so why not get a previously owned automobile for a fraction of the cost? There are a number of reasons used cars are a smart buy. You won’t have to pay as much for insurance, you may still get a factory warranty, and if you are smart about shopping, you will likely get a much better deal than you would on a new vehicle. There are a number of things you should keep in mind when considering purchasing your previously owned automobile.

First, you need to do your own research. When buying new, simply going to a dealership with a general idea of what you want could work out just fine, but you must take many more precautions when looking for used cars. When you first start looking for previously owned models, you will probably have a good idea of what type of automobile you want. You must ask yourself if your dream car is realistic for your budget. Once you have determined what you want, start looking online. Many dealerships have their inventory on their websites, so if you are planning on buying from a local dealership, you can get a good idea of what is available. Use the Internet to research the particular vehicles you are considering and educate yourself as much as possible on those models. Find out the value of each particular model and year to determine whether or not the asking price is reasonable.

Used cars always require a thorough inspection. When you find the model that works for you, whether on the lot or on the Internet, it is essential that you thoroughly inspect the vehicle. When taking it for a test drive, take notice of all of the essentials. Does it accelerate properly? Do the brakes work the way they should? How smooth is the ride? Does the engine or other parts of the vehicle make any strange noises? Take your time to thoroughly evaluate its condition. Don’t know anything about automobiles? Bring a family member who does, or do as much research as possible about what to look for during the inspection. In many cases, dealers or private sellers will let you bring the automobile to a mechanic to have it inspected.

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September 16

Reasons For Contact Cars Instead Of Buying Them

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I think most of us want to buy their own car rather than taking it on lease. It is obvious. It is also true that the car will lose its value after several years. We can easily find people preserving their old cars for ages even they are not in running condition. In my view, this is exceptional. As a normal civilian, I would like to earn my hard earned into buying a new car. But few of us know that there are several other alternatives to us.

The new way is to rent a car instead of buying it as it will result in financial saving for you. Especially for the companies in the economical downturn this idea can be very useful. If we consider other aspects such as value and maintenance, these cars can do lots of work and comprise of hundreds of parts which can damage and render the car unusable. Because of this many professionals who make extreme use of cars have shifted to contract cars instead of purchased vehicles.

The prime reason that people and companies switch to contact cars is the fact that car lose their value very quickly. Studies indicate that cars generally lose 80% – 90% of their value between the time they are purchased and their final sale. There is an obvious reason behind this that a car can have any one of millions of expensive but obstinate problems that make the car useless. Someone who purchases a new car and want to resell it due to a fault he discovered just after purchasing the car. The same is the case with the cars which have been used very less; the person who is buying the car would think that there is some major issue with the car. It leads to the reason that people contact a car instead of purchasing it.

While contact cars may be more expensive per month than cars purchased on a loan, they offer several advantages to those who focus on extensive use of cars without getting into safety and maintenance.

Oriel Vehicle Leasing is a leading van contract cars company in UK. They specialize in funding solutions for leasing cars, commercial vehicles, plant and machinery. They provide services in van contract hire and lease cars UK.

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September 12

Steps To Selling Your Used Car For The Best Price

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Getting a good price for your used car doesn’t have to be as complicated as you may think. All you need to do is follow these simple steps and you can have the cash you want for used car in no time!

Get in the know- Before putting that for sale sign in the window of your car, it is very important to know what the market is like for your particular car. How “in demand” is your vehicle right now? What kind of potential buyer will be interested in your car? The answers to these questions will help your determine how to advertise and price your vehicle. When you know what audience to target, you will be able to sell to a motivated buyer who is willing to give you what you want for the car.

Ensure reliability- Many car buyers are skeptical about used cars. Make your car stand out above the rest by reassuring the customer of the car’s reliability. Have your mechanic give the car a check to be sure that everything is in proper working order. Have them give you a report on the car’s condition that you can show potential buyers. Another great way to tame skeptical used car buyers is with a vehicle history report.

Be Legit- It’s imperative to know the rules for the sales of motor vehicles in your state. In the event of a mishap or accident, you need to be sure that you won’t be held responsible once the transaction has been made. Once you have secured funds for your car, record the odometer reading and your signature on the title before handing it to the buyer.

Give your car a makeover- Who wants to spend top dollar for a car that doesn’t look its best? Take some time to fix minor cosmetics on your car. Have the car detailed for the best clean inside and outside. Be sure to put an air freshener inside as well. If your automotive painting doesn’t look the best, consider a new paint job to help seal the deal. A car that appeals to the senses is more likely to draw and interest more potential buyers.

Price it right- Of course you don’t want to feel like you’re just giving your car away. However, pricing your car too high will steer buyers away to the competition. Take fair market value into consideration. Go to various automobile selling websites and view comparable vehicles for pricing. After taking in the condition of your vehicle, price your car accordingly. Price the car a little above what you are actually willing to accept to leave room for negotiations. You don’t need car sales training to be able to counter with a potential buyer, but if you make a habit of selling cars you should consider some.

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September 10

Amazing Shiny Cars On Hi Def Auto Detail

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Another week, another roundup of amazing, shiny cars to marvel at. Believe us when we say, that even though we get the chance to do this every day, it still never gets old seeing all of these amazing cars that are constantly rolling through our lot. I really mean it when I say that I wake up each and every day with a smile because I know there’s going to be an incredible day ahead of me. I feel truly blessed to be able to work in an industry that I actually enjoy, and makes me excited to get out of bed in the morning.

Just like every week, last week was only another reason to make me happy to be the owner of Hi Def Detail. It started off with a black BMW 5 Series coming in for a treatment of Hi Def Bling Nano Polish, and the results were just like you could imagine – excellent! We even spotted one of our customers on their way in, checking her makeup in the car’s surface. Now that’s clean!

If that wasn’t enough, up next was a 2011 Lincoln MKZ. We don’t get a ton of Lincoln vehicles coming through our lot, but when we do it is always a treat because they just look so nice. When we say nice, we mean before we get done doing what we do best to them, because after that nice would be an understatement by a long shot.

After that, we had a real special job, even for us. A 1975 Mercedes Benz 350SE came in, but what made this car special was that it still had its original paint job. The owner was obviously very concerned about the work we were going to perform on his car’s surface and was very attentive to everything we were doing every step of the way. We assured him that everything would be safe for his car’s surface, and he seemed very pleased with the results. We were pleased to just have the opportunity to work on such a car.

You know what I like to call a good problem to have? When you have so many amazing cars coming through your headquarters that you simply don’t have the time to post about all of them. I apologize for not being able to do so, but I’m sure most of you understand. Alright, enough talking, on to the car pics!

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September 8

Rc Cars Toys For The Big Boys

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Speed enthusiast? Monster-lover! Then look no further than the universe of RC cars.
Why RChobbies?

RC cars have been around since the 40s, where only the elite had access to the relatively expensive hobby. But the heart-racing sport is not an outdated one. Today RC hobbies have occupied a niche in the commercial market, with RC vehicle sellers owning websites for online shopping.

The fact is RC cars arent just a substitute to real cars. Although most are modeled after life-sized automobiles, there is a difference in how they work. By the name itself, its pretty obvious that you get to do a lot of finger work in driving these m miniature babies. Certainly there is no possibility for a ride, but any enthusiast can vouch for the pride RC hobbies provide. Who wouldnt be happy to own hot rod and a monster truck at the same time?
Also, unlike real thing, an RC vehicle can do back flips and drifting without any real prospect of injury. Because build-your-own (kit-type) and ready-to-race (pre-assembled) cars come with parts and accessories, you dont need a mechanic to repair any damage — just DIY, and youre good to go.

Which RC Car?
Generally RC cars are classified as toy-grade or hobby-grade. Toy-grade cars are just that: pretty cars with nice interior work that are either too heavy or too weak to do anything. The motor isnt for racing, and crashing one damages it for life. These small machines are primarily designed for children. Hobby-grade cars are for the serious RC racers, who need strength, stability, and speed to win competitions such as those sponsored by the International Federation for Model Auto Racing. Online shopping usually is a fast way for purchasing both these types.Those taken with RC hobbies usually choose between an off-road and an on-road car. Either way these cars can be driven by a methanol-castor oil-nitro methane mix in a two-stroke engine, or by an electric motor run by a battery. The power sources of these different types can be bought with online shopping.

The first type, called a nitro RC car, is more popular in that it sounds similar to real cars and even gives off smoke. This car is faster than electric-driven ones, but needs appropriate maintenance to clean unburned fuel. The second type, also called a lipo RC car, should be regularly hooked to an electric outlet to recharge the nickel/lithium-powered battery. It is much cleaner than its nitro counterpart, but needs a cool-down period after a race to avoid overheating.RC cars are available from different manufacturers, either through online shopping or through store outlets. Popular brands include HPI, Associated, Traxxas, and Losi.

How much?
The price of RC cars ranges from $75.00 (A-Tech monster) car to a $1650.00 (Beetle Off-Road 4WD) and above. The cost depends on both the model and the manufacturer, with some makers more expensive than the others. For further information regarding RC Hobiies and products, please visit MyReviewsNow.net Shop At Home.

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