Saturday, January 21, 2012

Car Insurance Tips For Safe Driving in Winter Weather

The winter weather usually holds threat to insurance companies and policy holders. That's why it is always a great idea to make sure that your policy includes a winter-accident-coverage to ensure your complete safety. However, since most companies believe that this is the season when accidents often occur, accident coverage is often removed from the policy. And if you're one of those who are not lucky enough to get that privilege here are ways to protect your self from accidents during the winter season.
  • Drive slowly - as much as possible do not accelerate when driving in slippery or wet roads. Driving slow means avoiding and thus preventing accidents to occur in your path. 
  • Make sure your tires are properly inflated or better yet select a really good snow tires - the difference between regular tires and snow tires is that the latter is more flexible and adaptable to road conditions. 
  • Make sure your gas tank is either full or half full - this is to avoid your gas from freezing due to the winter weather.
  • Keep your windshield free from snow - clearing your view by keeping your windshield clean is a good way to avoid accidents on the road. You should always have a good view of what's ahead of you and on both your sides. 
  • Pay attention to traffic and road signs. 
  • Slow down instead of giving a full stop if you can. 
  • Don't forget your brakes. 
  • Increase you distance from other cars, corners, junctions and other hazards on the road as you drive - Distancing yourself from other drivers is a great way to avoid collisions on the road. Since the roads are often slippery, collisions happen more often than on regular days. So be careful that you are not getting too close to other cars while driving. 
  • Don't brake in corners. 
  • Don't forget your antifreeze and washer fluids. 
  • Be sure that you are updated about the weather conditions before you consider driving down the streets. 
  • Pack your winter travel safety kit - in case you do meet an accident on the road. 
  • Make your rest stops more frequent. 
  • When you encounter a skid don't brake instantly, do it slowly and carefully. 
  • Maintain your car tuned up - be sure that your car is prepared during the winter season. Check your engines and make sure that you are not in for a winter trouble. 
  • Always keep your car free from snow. 
  • Fix leaks and check things like battery and coolant. 
These are just some of the most important ways to keep your self and your car safe during the winter season. Of course, there are other means and ways to avoid accidents and collisions on the road. It is important though to keep the basics in mind so that you will be safe during the winter. Never take for granted your safety when driving and most especially, don't put too much trust in your driving skills and even on your type of car. You are safer knowing that you've prepared yourself for this type of weather.


Friday, January 13, 2012

Things that Car Owners Need to Know

Are you a first time car owner? Or perhaps an old car owner but haven't encountered filing a claim yet? Wherever your status fit in at the moment, this article will surely help you.

Elsewhere and in the US, once you purchased a car it's automatic too that you be given an auto car policy. This policy covers two type of loss or protection for you; No fault Car Insurance coverage and the so called comprehensive car insurance policy. The latter will cover loss arising from collision or contact with another person and as the name suggests it is not your fault because it is accidental. This will indemnify the person you accidentally bumped and other damages to property you met. The limit of compensation would vary from state to state, certainly no payment will be made on drunk drivers and unauthorized drivers.

The comprehensive car insurance policy on the other hand deals with loss or damage you encounter on your own vehicle. The title says it's comprehensive but take note it is a misnomer because it does not cover everything. It has its own car insurance exclusions and limitations which will be discussed hereafter.

Wear and Tear. This means your policy does not cover your car's normal trouble. Example rust on the hinge door, once you have it repaired it will not be reimbursable but when damage is brought about by collision then you can make a claim on it.

Mechanical Breakdown or Parts Failure. Car transmission requiring rebuild or replacement is not covered however when damaged in a car accident or other legitimate auto claim it is covered. But when trouble is mechanical breakdown you may look into the various warranty cover attached when you bought the car.

Aftermarket Parts and Equipments. A common example of this when a non-factory installed stereo system is stolen out of your car, this will not be covered. However, insurance carrier has a provision for this; it must be attached as endorsement in your policy that a stereo system is installed in this case.

Damage Caused Intentionally. You cannot make a claim on damages to your vehicle you intentionally made, otherwise once discovered you will be charge on insurance fraud.

Damage to Tires. Damage to tires per se is not covered by comprehensive policy, unless again when the vehicle itself is also damaged.

Nuclear Risk Explosion. It does not cover risk when accident occurs as a cause of nuclear explosion.

Bear in mind though that the enumerated pieces of information above are only exclusions and limitations, there are a lot more things that insurance carrier covers, and they simply cannot afford to take care of every little thing for the simple reason that owners cannot afford to pay the premium when doing so. Suffice it to say that misnomer or not getting comprehensive car insurance policy will do a lot of good than harm in a car owner. The very reason why insurance was introduced in the first place is for people not to bear all the loss.

For quotes and more information: