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 24

Louisiana Car Insurance Ideal Explanations to Get One

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Humanity has actually come a long way from depending on equines, carriages, or foot power to travel long distances. Over the course of the advancement of technology, people were able to produce autos, buses, and many wheeled means of traversing land. In just a few brief decades, it’s as if the world shrunk as it suddenly obtained simpler to take a trip from A to B.

This benefit, nevertheless, comes at a price; while the automobiles individuals today drive make things easier, they additionally have their downsides. Automobile accidents, for instance, kill individuals by the millions yearly. This is why individuals created emergency strategies in instance things do not go quite as planned. Below are a few factors to get reliable Louisiana car insurance.

It’s Legislation.

The majority of states require car owners to have vehicle insurance, detailing the minimum insurance coverage you have to buy. This is to make sure that every person is covered when accidents occur, whether it’s an easy fender bender or an automobile pile-up on the expressway. The minimum for Louisiana is $15,000 for bodily trauma for a single person, $30,000 for physical injury for all individuals, and $25,000 for property damages, done in a solitary crash.

Financial investment Defense.

If you borrow money from a financial institution to purchase an automobile, you may want to have auto insurance coverage. After all, if you obtain, say, $20,000 from the bank and you crashed your car without insurance coverage, you’re not only going to pay for repair works and medical costs on your own however additionally the $20,000. Additionally, the bank may no longer provide you any more money.

Your Fault, My Fault.

Road requirements differ by state. In some states, the insurance policy of the person at fault will cover the expenses; while in others, it matters not whose fault it is. Either way, you need auto insurance coverage to relax and make certain you won’t be shedding cash in mishaps. It’s a costly thing to fix an auto or be confined in a healthcare facility today, so be prepared.

If you have not gotten automobile insurance coverage, call your Louisiana car insurance business today. Your cash, health, and assurance depend on it. Obtain tips on vehicle insurance policy at forbes.com/forbes/2010/1206/investment-guide-auto-insurance-umbrella-policy-crash-course.html.

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September 22

Auto Parts Export Growth Boom

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Although the automobile export growth slowing, but the ancillary auto parts business has remained strong. According to statistics, this year, auto parts and accessories manufacturing export delivery value year on year data showed a gradual upward trend over the previous year, the situation looks much better than the vehicle situation.

The industry expert believes that after the financial crisis, the global vehicle companies purchase turn to low-cost areas shift, from the auto parts export data reflected the increase trend is just so so. The future, this trend will become more apparent.

Automobile Association data show that in 2010 the first half of merchandise exports ended the last year auto downturn trend, showing recovery increase, and it exported 23.445 billion U.S. dollars, year-on-year up 50.24 percent. From the seven major types of car situation to see, auto parts export growth rate was significantly higher than vehicle, exported 18.269 billion U.S. dollars, up 54.52 percent, which higher than the export growth rate of 21.48 percent. Of which engine export 467 million U.S. dollars, year-on-year up 73.78 percent; auto parts, accessories’ amount of export volume reached 9.967 billion U.S. dollars exports, year-on-year up 56.03 percent; automobile, motorcycle tires export value was 4.126 billion U.S. dollars, year-on-year up 37.98 percent; other auto-related products export value of 3.709 billion U.S. dollars, up 70.47 percent. Import auto parts in the first half showed the same growth, total imports of 12.724 billion U.S. dollars, year-on-year up 90.65 percent.

National Securities analyst pointed out that the profitability of auto parts section has been restored to the highest level in history in 2007, and a slightly increase in scale is gradually revealed. He expects the overall section revenue in 2010 will reach more than 26%, while profit growth will exceed 50%, the average sales gross margin will reach 23%.

Guangzhou Customs statistics released show that the first half of 2010, Guangdong exported auto parts one billion U.S. dollars, year-on-year up 4 percent. Nearly 50 percent auto parts exports to the United States, Japan and the European Union, and to India and Brazil emerging markets exports doubled. At the same time, the quality of China’s auto parts recognized by auto giant Volkswagen.

Auto sales after the early high growth, began to enter normal growth path, after nearly six months ultra-expected growth, the growth is resumed to steady way. The reaction of auto parts to lag behind the automobile, but the global auto parts procurement system brings China’s opportunity greater than the threat; the demand for auto parts in China is still very wide. In fact, the global vehicle enterprises purchases shift to low-cost regions become a trend, which will be more obviously in future market.

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September 22

Electric Mobility Scooter and its Spare Parts An Overview

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We have often seen or met people who are suffering from some kind of severe disease or recovering from any accidental injury in life. They often struggle to move from their position or even simple activities like walking become difficult for them. Many types of devices have been made and launched in the market to help them in moving independently to places without any support. A device like electric mobility scooter is a boon to such patients facing mobility problems in life. It is a vehicle that is specially designed to help individuals with mobility or stability problems arising due to some accident, disease or old age. There are available in various types and models in the market like electric, manual, three wheeled or four wheeled scooters. They are portable and can be carried to distant places conveniently with their foldable versions.

A standard electric mobility scooter is made of different essential parts for smooth riding experience. Tires are considered the most important part of any mobility scooter. There are three basic types of tires like solid, foam and pneumatic. Different types of tire suit different kinds of terrain and road conditions. Out of three, pneumatic tires are more common and popularly used. They offer smooth ride in almost all kinds of terrains as compared to other type of tires. Another most important part of any mobility scooter is its battery. The user probably will have to upgrade or replace battery of his vehicle depending on his use, after some time. It is recommended to look for easily replaceable batteries while buying any model. Similarly it is highly preferable to have a seat, which is easy to exchange or replace. There are many types of seats available in the market and the user can choose any suitable type complementing his comfort levels and personal choice. Earlier it was difficult to find spare parts of these mobility scooters in case of damage, but now they are available in all leading stores providing these equipment.

To meet different needs of different disabled people electric mobility scooter is modified or customized easily. There are many accessories also in the market like oxygen tank holders and shopping baskets to assist the rider while driving mobility vehicles. All kinds of spare parts and mobility models are available online and anybody can buy them from any corner of the world. These vehicles have successfully given a feeling of independence to disable patients and made their lives much easier to live.

For more information on Electric Mobility Scooter & Mobility Scooter

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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 21

Mud Flaps Are Classic Car Accessories

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Mud flaps, also knows as a splash guards, are more than just your standard rubber variety truck and auto accessories. It is more than a useful quality auto accessory that protects your truck from flying dirt, slush, or road debris. The mud flap has become a blank slate where a driver can plaster his or her personality in the form of great truck and car accessories that can protect as well as make others laugh.

A classic image found on these truck and car accessories is recognized as “The Mud Flap Girl”. Who hasn’t seen this buxom silver silhouette of the long-legged beauty, one leg crossed over the other, hair blowing in the wind? This famous character was based upon the well-known model Leta Laroe. She was created by Bill Zinda of Wiz Enterprises in Long Beach, California, to promote his line of truck and auto accessories.

Another character commonly seen on truck and car mud flaps is Yosemite Sam, pointing his guns with the caption “Back Off!” or, “All Fired Up”. Other classic Warner Brother’s characters that have been used include Daffy Duck and Tweety Bird.

Classic mud flap characters have become such a part of pop culture, that they’ve moved out of the arena of car accessories, and started appearing in commercials and on TV. One such commercial appeared during the 2006 Superbowl, and featured the Mud Flap Girl and Yosemite Sam driving off in a Honda Ridgeway.

Arizona officials were apparently not amused, and have proposed legislation banning both cartoon creatures due to a perceived political incorrectness, regarding sex and guns. Currently, the legislation about truck and car accessories has been thwarted.

This means that auto accessories and mud flaps can be embellished with the image of your choice. And this will remain to be true, as long as that law doesn’t pass.

Self-expression isn’t a reason to sacrifice quality auto accessories anymore. You can find many manufacturers who can produce a mud flap to your vehicle and personality type. Whether you want a skull and crossbones or the Ghostbusters logo, mud flaps can be created with top-of-the-line materials to let you “keep on truckin'”.

Currently, custom mud flaps seem to be most popular on company vehicles. Anyone ever caught behind an 18 wheeler on the highway or following a commercial van in city traffic, knows how effective a custom mud flap can be, if it used as an advertising tool. Companies wisely invest a little extra money in this truck and auto accessory, thus creating a advertisement on wheels that proudly displays the company name and phone number on eye catching mud flaps.

More than mere truck and auto accessories, mud flaps can be a unique form of showing off who you are or acting as a clever bit of advertising. Never before have truck and car accessories been so interesting, versatile and amusing while it protects!

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September 21

How Do You Benefit From Car Insurance

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Traveling from one end of the city to another can be a harrowing experience when public transport is involved. People prefer private vehicles to buses and trains. People would rather invest in a private vehicle than travel via buses or trains. All of us, at some point in life, have dreamt of buying a car. We save up a substantial amount of our earnings to get it. Buying a car is more of a milestone in our lives than just another purchase. Which is why, your car is more than just a mode of transport. It is a valued possession that is dear to you and your family. And any damage to your car can make your expenses go haywire. When you purchase car insurance, your car is financially protected against physical damage or injury resulting from traffic collisions. Car insurance will also protect you from liability that arises due to these accidents. To a lesser degree, financial protection may be offered against theft and possible damage of the vehicle by your car insurance policy.

In India, private car insurance is the fastest growing sector. It is mandatory for all new cars to be insured. The premium amount for the insurance policy depends on the make and value of the car, the state where it is registered and the year of manufacture. Car insurance in India is very important not just because it is mandatory but also because driving can be hazardous at times. Although you may be a good driver, you never know when someone else will lose control of their vehicle.

Car insurance provides coverage against loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, theft and malicious act. Policies also protect you against liability for third party injury or death and third party property. On payment of additional premium, car insurance policies also cover loss or damage to electrical or electronic accessories. There are, however, a few exclusions. Car insurance does not cover consequential loss, depreciation, mechanical or electrical breakdown, breakage and drunken driving.

Car insurance policy can be purchased online. You don’t have to call insurance companies to compare policies. You can simply check online. It is important to renew your car insurance periodically so as to avoid any unexpected financial expenses due to accidents and fines while driving. Many insurance companies offer online purchase and renewal of policies. Buying car insurance online is simple and convenient as you can do it no matter where you are.

Author Profile:

Pranav Sharma is an insurance agent based in Mumbai; Pranav assists individuals and corporates in purchasing the right Car Insurance & often shares his insights about the general insurance industry on internet.

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September 20

Advantages Of Purchasing Car Insurance Quotes Online In Texas

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In the previous days, you have to spend your whole day in purchasing suitable car insurance quote. You have to sit in your home and call the various insurance companies in order to get the best possible deal. Now time has change largely and after the invention of internet, purchasing any sort of car insurance in Texas becomes very simple process. By purchasing insurance policy for your car on the internet, you will be able to receive various benefits along with number of advantages. Everyone needs car insurance in Texas, as it is compulsory that every person must buy car insurance otherwise that person will prepare him self to pay heavy fine. Getting car insurance quotes in Texas is not an easy thing but with the help of internet, you will be able to make whole process easy and simple.

You just need to do some search on the internet by typing car insurance quotes Texas in the search engine and you will be able to know number of websites providing car insurance according to your needs and requirements. You will be very surprise by the fact that by just single click you will be able to get the car insurance quotes available in the Texas. Whenever you meet various insurance agents or call the different car insurance companies in order to get the lowest possible car insurance policy, then you have to wait too long. Nevertheless, searching online about car insurance quotes is a very fast process and hence save lot of your time. You not only able to compare the prices but also know about the policy terms and conditions while searching on the internet. You also able to know about various discounts associate with your car insurance policy by doing online shopping.

The online method is better than any other method as when you call the person, then you not able to remember everything that the person said to you. However, with the help of internet, you will be able to see the information number of times you want and you may take print out of whole policy. Some websites spam your email address, as you have to provide your email address for getting car insurance quotes. So, be careful while visiting any website so that your email is safe. If you find such website, do not waste your time on that website and search or try some other website.

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