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Avoid these errors when buying a vehicle insurance

Having a car insurance is as essential as having a car. In accordance with the 1988 Motor Vehicle Act, it is mandatory to purchase vehicle insurance when you buy a car in India. It is always advisable to pay close attention when you purchase vehicle insurance.

Here are some common mistakes to avoid when buying a car insurance.

Purchase a policy with the lowest premium rate

You should not consider a vehicle policy, not just because of its lowest premium. You should consider its offers and the benefits you get from the police. The company offering the lowest premium may not always be reliable.
Many prefer to buy an insurance policy offline, thinking that it will not have an additional cost. In fact, companies offer cheaper fonts when they are purchased online.

Vehicle transfer

This is one of the most common mistakes made when buying a vehicle. When you buy a used vehicle, you must remember to transfer and register the vehicle in your name. Otherwise, you will not be eligible for the insurance claim in the future.

Compare policies online

When you buy or renew vehicle insurance, always try to compare your contract with other providers. You can even get good deals and discounts for policies.

Correct information

Some people do not bother to provide details to policy providers. You must provide essential information such as your name, address, date of purchase, engine number, class of vehicle, engine size, number of seats, etc. for the vehicle to be covered as needed.


You should always prefer the vehicle insurance according to your needs, which ensures that the vehicle is covered when needed.

70 maintenance tips that will extend the life of your car

1-Be patient during the break-in :

 You have bought your dream car and now you want to make it as long as possible in top condition. Here are a few things to keep in mind when you are removing it from the dealer lot:

During the burglary period, usually the first 1,000 miles (1,600 km), keep your speed below 55 mph (88 kpm) or to the speed suggested by your car manufacturer.
Avoid heavy loads on the drive train, such as tow trailers, and load roof racks or luggage with heavy construction materials.
Don't leave your new car idle for a long time - this is a good suggestion for the life of your car, but especially during burglary. The oil pressure produced by doing that might not send oil to every part of your machine.
Use only light to moderate acceleration, keeping the engine below 3,000 for the first few hours of driving.

To be continued......

4 tips for using electronic evidence of insurance during traffic stops


 Now that evidence of electronic insurance is accepted in most states, the fear of digging through your glove box for insurance cards recently is largely a thing of the past.

John Espenschied from Insurance Brokers Group at St. Louis said most insurance operators have participated in digital bandwagon and have given their customers the ability to withdraw insurance cards on smartphones.

"Your insurance card is now accessible like a smartphone in your hand," said Espenschied. "The possibility is, if you go to the app store on your smartphone, you will find the application of your insurance company."

This application often allows you to make payments, submit and track claims, and keep a copy of your car insurance proof.

This means you have to download your insurance company application and create an account to have access to your insurance card by telephone. You also most likely have to enter the application every time a police officer stops you.

ALSO: Are Car Features Too Disturbing?

Just because most insurance companies offer proof of electronic insurance does not mean that police officers in all states will accept it.

Korey Adekoya, business development manager at Shabana Motors in Houston, said that in 2017 only Connecticut, New Mexico and Washington, D.C., needed the driver to show physical proof of insurance. This means that motorists who pull over in these countries cannot simply withdraw proof of insurance on their smart phones.

So, if you plan to drive through parts of the country have access to your actual proof of insurance paper copy.

"If you are in a condition that has not legalized it, you may be responsible for fines and fees," Adekoya said.

Jayson Greene, insurance agent with Carolina Insurance Professionals in Raleigh, North Carolina, said that it became much more common for motorists to rely on proof of electronic insurance when they pulled over to stop traffic.

But that does not mean that drivers also cannot keep a physical copy of their insurance card to make a backup.

"One trap could be an attractive officer. You might not be aware of the law - this would apply to countries that have just passed the law - if your smartphone dies," Greene said.

ALSO: What's New in Cars for 2018?

However, most officers already know that digital proof of insurance is now acceptable. Kent Unruh, owner of Unruh Insurance Co. in Denver and East Earl, Pennsylvania, said he expects more motorists and police officers to receive proof of electronic insurance.

"In the 21st century, everything is digital," Unruh said. "Proof of insurance is no exception."

However, it helps to find out the right and wrong ways to prove you have car insurance. Try following these tips:

1. Don't be confrontational
Although most states permit proof of electronic insurance, some police officers may not be familiar with the law. This is relatively new in some states. Do not expect officers to attract you to become an expert. Describe your position politely.

If the clerk disagrees, just take a ticket or warning. You'd better submit a case in a traffic court rather than going up to a confrontation with the clerk.

2. Explain in advance your insurance card is on your smartphone
Pulling aside a car driver can also cause anxiety for officers. If the clerk asks for proof of insurance, explain that you must access it on your cellphone before reaching for your device.

3. Showing proof of insurance not agreeing to search for a smartphone
Keep your phone in your hand when showing proof of insurance to your officer. However, if he insists on taking your phone, then allow him to only see policy information.

Legally, an officer cannot search your cellphone without your warrant or approval. Explain that just because your proof of insurance is on your phone does not mean you give permission to look for a telephone.

4. Make sure your documentation looks official
Most state laws are not clear as to what electronic evidence is



Auto Insurance Options for Low-Income Drivers
Auto Insurance Options for Low-Income Drivers:

It’s illegal to drive without car insurance in all 50 states. You need coverage, then, if you want to drive anywhere in the United States. But what if you’re struggling with a low income and can’t afford auto insurance?
You might qualify for low-cost auto insurance sponsored by state governments. These programs are designed to provide drivers who meet certain income requirements auto insurance that meets a state’s legal minimums.
If you drive with state-sponsored low-cost auto insurance, then, you won’t be breaking the law as you travel its highways and side streets.
The problem? It’s not easy to find state-sponsored low-income auto insurance. As of the writing of this story, there were only three states that offered such programs, California, Hawaii and New Jersey.
Fortunately, even if your state doesn’t offer low-income auto insurance programs, you can take steps to reduce the cost of the coverage you are legally required to hold.
State-sponsored insurance programs
Other ways to reduce your insurance costs
The California Low-Cost Automobile Insurance program -- better known as CLCA -- offers both liability and underinsured motorist coverage for low-income drivers. This coverage will meet the legally mandated coverage minimums imposed by the state of California.
Not everyone qualifies for this program, of course. Your annual income must be within 250 percent of the federal poverty limit, you must be at least 16 years old and you must own a car that is worth less than $25,000.
How much you pay for this program varies depending on your age, sex and the county in which you live. For instance, a male from the ages 19 to 24 who lives in California's Marin County will pay $417 a year for this coverage. A driver who lives in Sacramento County and is not a male from the ages of 19 to 24 will pay $321 each year for this insurance.
Hawaii's program is far more limited than is California's. Offered through the state's Assistance to the Aged, Blind and Disabled services program, Hawaii's low-income auto insurance program provides free coverage to people with disabilities who are at least 65 years old. Recipients must also have income levels that are below 34 percent of the federal poverty limit.
New Jersey's Special Automobile Insurance Policy is open to a much wider pool of drivers and will cover you legally if you are driving in the state. However, it doesn't provide much coverage.
The program only covers emergency medical costs if you are in an auto accident. The program's Web page says that the insurance also covers the treatment of serious brain and spinal cord injuries up to $250,000 and provides a death benefit of $10,000.
The policy doesn't cover damage drivers might cause to other persons or property. it also doesn't cover any money you'd need to spend to repair your own vehicle. In other words, there isn't a lot of protection with this program.
The coverage is inexpensive, though, costing drivers $365 a year. Eligibility is limited, though: Drivers must be enrolled in Federal Medicaid with Hospitalization. Drivers can apply for this coverage at private insurance agencies working throughout the state.
Drivers who pay for an entire year's worth of coverage are only required to pay $360 a year.
The lack of state-sponsored car insurance programs can be frustrating. But there are ways to save on auto insurance even if you don't live in a state that offers low-income policies.
Brian So, founder of Canadian insurance agency Brian So Insurance in Vancouver, British Columbia, recommends that consumers pay their insurance premiums monthly if they need financial relief.
Interest rates have been rising, but they are still quite low. This can make it more affordable to pay off your yearly car insurance bill in smaller bites, So said.
"If you're on a tight budget, you may not be able top ay the entire annual premium upfront," So said. "With interest rates still hovering near historical lows, you will be able to finance the premium monthly with low monthly payments."
You can also reduce your monthly or annual premiums by increasing your deductible, the amount you have to pay first following an accident before your insurance company pays out. If your deductible is $1,000, and you get into an accident causing $5,000 worth of damage, you pay the first $1,000 and your insurer will pay the remaining $4,000.
As So says, the higher your deductible, the lower your premiums, making paying for insurance over the long-term more affordable. Just be careful that your deductible isn't so high that if you do file a claim it won't bust your household budget.
"Increasing the deductible will hurt your wallet more if there is a claim," So said. "But at least you are not sacrificing a necessary coverage even with less expensive insurance."
You can also save on auto insurance by reducing the amount of coverage you take out on your vehicle. Your coverage will need to include liability, which covers damage to other people or property that you cause. States require this level of insurance.
Auto insurance policies also provide full comprehensive and collision coverage, which covers you for damages to your car. If your car is totaled in an accident, this insurance would help cover the costs of repairing or replacing it.
But if your car is old -- or if you are desperate to reduce your auto insurance premiums -- you can drop this coverage. If your car is damaged, you'll have to pay for repairs on your own. If it is completely destroyed, you'll have to cover the costs of buying a new car on your own, too. But dropping collision and comprehensive coverage will save you money on your premium and make it easier to buy the insurance you need to drive legally.

 Insurance for your Hybrid Car

Drivers of hybrid cars, such as the Toyota Prius, Honda Insight or Lexus GS450h, are frequently penalised by mainstream insurance companies because the insurers often don't know what to make of the new technologies. They assume that the advanced components will be easily damaged and cost more to fix and so they set the premiums high.
And because many committed supporters of hybrid cars have imported their vehicles from the more mature hybrid vehicle markets in Japan or America, they may not even be able to offer insurance cover at all.
Here at Adrian Flux, though, we take a different approach. We know that people who buy a hybrid car are likely to take special care of it and drive it responsibly. We're also not afraid of Japanese or US imports, because we've offered specialist cover to imported vehicles for many years. Because of this, as well as our generous discounts for committed enthusiasts, security precautions and driving experience, we are able to offer high quality insurance at incredibly low prices.
With over 40 years experience, Adrian Flux has a reputation for designing insurance that matches your needs to your budget. Our specialist vehicles department has a range of specialist schemes designed to cover all types of hybrid, electric and alternative fuel vehicles.
With over 40 years experience of arranging high quality insurance for car lovers we recognise that the one-size-fits-all approach favoured by direct insurers will always leave those drivers with unusual cars paying more than they need to.

Our hybrid car insurance schemes include:

  • Protected NCB available
  • Driving of other cars cover available
  • 90 days European Green Card Cover
  • Agreed value cover available
  • Cover available for
    • All hybrid cars, electric cars and alternative fuel cars, including biodiesel conversions, LPG, bio-ethanol conversions, chip fat conversions, hydrogen fuel cells and other methods
    • Left hand drive and import models are not a problem
    • Modified and adapted cars
Extra Discounts (depending on scheme) for:
  • Limited Mileage
  • Owners Club Membership
  • Security Precautions

Save Money on Hybrid Car Insurance

Because our staff are used to finding a policy to suit unusual and even completely unique cars, they know which insurers offer the best policies and at prices to suit almost any budget. All seasoned insurance experts, they will calculate your premium individually, using their expert knowledge of the many insurance schemes on offer. When you call us you will be speaking to a knowledgeable enthusiast, based in the UK, rather than a computer rate from a foreign call centre, which doesn't know a Prius from a Lexus. Along with our tailor made hybrid and import schemes we believe we offer the best quotation service around.

Here are some reasons why your hybrid car is more expensive to insure.

While hybrid cars are becoming increasingly popular, getting auto insurance in Oakland, CA for hybrid vehicles remains higher than average.  But why does this cost disparity between normal and hybrid cars exist?  Here are some of the reasons why it’s more expensive to insure hybrid cars.
  • Hybrids are Expensive
One of the reasons that hybrids are more expensive to insure than normal cars is that they are simply more expensive in the first place.  Because the price of the car does factor into how your insurance premiums are calculated, the more expensive the car, the higher your insurance premiums will be.
  • They Have Fancy Parts
Another reason why hybrids are expensive to insure is because they require special parts that regular cars do not have.  Not only are these parts expensive to replace, but the actual repair price is also very costly as well.  This also contributes to increased insurance rates.
  • They Need Special Mechanics
Because hybrids require fancy parts and have different mechanical components than regular cars, only specially trained mechanics can work on them.  This means that finding a repair shop can be a difficult process.  Because of this need for specialized service, your insurance premiums will be higher.
These are some of the reasons why hybrid cars are more expensive to insure than normal cars.  If you are looking for comprehensive auto insurance at a price that won’t break your budget, turn to us.  For help finding the right policies, contact the professionals at Cook, Disharoon & Greathouse, Inc. Located in Oakland & Pleasant Hill, California, we serve all your personal and commercial insurance needs.


Insurance for your electric car

Thanks to the success of the Nissan Leaf, BMW i3 and Tesla, more manufacturers are turning their attention to battery power all the time, helped by the growth in charging points across the country and motorists keen to cut their fuel costs and go green.
  • Protected NCB available.
  • Driving of other cars cover available.
  • 90 days European Green Card Cover.
  • Agreed value cover available.
  • Cover available for
  • All electric cars currently on the market.
  • Left hand drive and import models are not a problem.
  • Modified and adapted cars.
  • Limited Mileage.
  • Owners Club Membership.
  • Security Precautions.

Many insurers remain wary of the new technology in electric cars, often penalising motorists because of fears over the costs of repairs but, as a specialist broker that has been in the electric vehicle insurance market from the beginning, Adrian Flux can offer tailor made cover at a competitive cost.
For example, our great value Nissan Leaf insurance is designed to benefit the motorist who has taken a conscious decision to help the environment and is therefore likely to take care of their car and drive responsibly.
As well as our EV insurance, our specialist vehicle department also has a range of great deals on cover for hybrid cars and those which run on other alternative fuel to petrol or diesel.
Generous discounts are available for committed enthusiasts, security precautions and driving experience, with high quality insurance cover at incredibly low prices for those who drive an environmentally friendly, green vehicle.
At Adrian Flux, We have more than 40 years' experience of arranging insurance for specialist vehicles and our representatives are in touch with the latest news in electric car innovation, ensuring top quality cover for all the new models as they appear on the market.
Our electric car insurance schemes include:
Extra Discounts (depending on scheme) for:
Our staff are used to finding a policy to suit unique and specialist vehicles, and know the insurers that offer the best policies and prices. All seasoned insurance experts, they will calculate your premium individually, using their expert knowledge of the many insurance schemes on offer.
When you call us you will be speaking to one of our knowledgeable representatives, who are based in the UK, rather than a computer in an overseas call centre. Together with our tailor-made hybrid insurance and import insurance, we believe we offer the best quotes for drivers who want to do their bit for the environment.
Quicker & Cheaper electric car insurance rates by phone â€Â” complete the call me formduring office hours (9am to 7pm Monday to Friday & 9am to 4pm Saturday) for an immediate, no-obligation electric car insurance quote.
* On a like for like basis, subject to normal underwriting acceptance.
We offer electric car insurance cover for: BMW i3, Nissan Leaf, Tesla models, Bollore Bluecar, Renault models, Mitsubishi i, Smart Electric Drive, Chevy Spark EV, VW e-Golf, Ford Focus Electric, Fiat 500e, VW e-Up!, Kia Soul EV, Peugeot iOn, Citroen C-Zero, Mercedes-Benz B-Class Electric and BYD e6.

auto insurance

Understanding auto insurance—the basics
  • Property – such as damage to or theft of your car
  • Liability – your legal responsibility to others for bodily injury or property damage
  • Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
Who is covered by my auto insurance—and under what circumstances?Is auto insurance coverage mandatory?
  • Bodily injury liability – which covers costs associated with injuries or death that you or another driver causes while driving your car.
  • Property damage liability – which reimburses others for damage that you or another driver operating your car causes to another vehicle or other property, such as a fence, building or utility pole.
  • Medical payments or personal injury protection (PIP), which provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.
  • Uninsured motorist coverage reimburses you when an accident is caused by a driver who does not have auto insurance—or in the case of a hit-and-run. You can also purchase underinsured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident.
What other types of auto insurance coverage are typical?
  • Collision reimburses you for damage to your car that occurs as a result of a collision with another vehicle or other object—e.g., a tree or guardrail—when you’re at fault. While collision coverage will not reimburse you for mechanical failure or normal wear-and-tear on your car, it will cover damage from potholes or from rolling your car.
  • Comprehensive provides coverage against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards—even getting hit by an asteroid!
  • Glass Coverage provides coverage from windshield damage, which is common. Some auto policies include no-deductible glass coverage, which also includes side windows, rear windows and glass sunroofs. Or you can buy supplemental glass coverage.
What is gap insurance and do I need it?
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.
Auto insurance provides coverage for:
Basic personal auto insurance is mandated by most U.S. states, and laws vary. Auto insurance coverages are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget.
Policies are generally issued for six-month or one-year timeframes and are renewable. The insurance company sends a notice when it’s time to renew the policy and pay your premium.
Your auto policy will cover you and other family members on your policy, whether driving your car or someone else’s car (with their permission). Your policy also provides coverage if someone who is not on your policy is driving your car with your consent.
Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands or taking a trip. It will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas.
Personal auto insurance will also not provide coverage if you use your car to provide transportation to others through a ride-sharing service such as Uber or Lyft. Some auto insurers, however, are now offering supplemental insurance products (at additional cost) that extend coverage for vehicle owners providing ride-sharing services.
Auto insurance requirements vary from state to state. If you're financing a car, your lender may also have its own requirements. Nearly every state requires car owners to carry:
In addition, many states require that you carry:
Even if PIP and uninsured motorist coverage are optional in your state, consider adding them to your policy for greater financial protection.
While most basic, legally mandated auto insurance covers the damage your car causes, it does notcover damage to your own car. To cover your own car, you should consider these optional coverages:
Collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly. If your car is totaled or stolen, there may be a “gap” between what you owe on the vehicle and your insurance coverage. To cover this, you may want to look into purchasing gap insurance to pay the difference. Note that for leased vehicles, gap coverage is usually rolled into your lease payments.
Next steps: Check out this handy infographic on the types of required and optional drivers insurance coverages.

Maniaa Abdelouahed

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