Month: November 2019

Tips For Filling a Car Insurance Claim After an Auto Accident

The vacation season and winter really are a deadly combination for your car drivers and automobile accidents. This can be a time when car insurance rates or auto insurance premiums and auto insurance accidents are simply not considered. Why would anyone wish to spoil their fun and joy considering things like this?

The truth is the holidays is definitely the time once the winter as well as the driving habits play a role in higher auto accidents which keep your car insurance companies busy. Hopefully, you should never be inside a automobile accident and never have to file an automobile insurance claim. Here are some ideas which can help in processing of the claims, since research within the start is better than having issues and frustrations of not receiving your vehicle insurance claim through.

1. Please report the vehicle accident towards the police if a person is injured irrespective of the extent of injury. In the event of property damage or car damage can there be, and limits greater than their state limit ought to be reported. This could be normally $1000 for the majority of states in USA.

2. Take reasonable steps to safeguard your car from another loss. Move it of the flow of traffic.

3. Record to the picture or sport specifics of accident, the amount of vehicles round the scene and individuals associated with the badges of the emergency personnel. It might be advisable to take pictures of the scene.

4. Law enforcement may have a driver information-exchange form. Make sure that you have all the details according to the check-list from your other party.

5. When you will find witness towards the accident, collect their names, addresses and telephone numbers to ensure that their statements could be taken at a later time.

6. Any kind of acceptance for the money or fault, or simply no reporting of the accident should not be done. This could prejudice your vehicle insurance provider or perhaps your own auto insurance claim.

7. Call your insurer as quickly as possible following the accident, and make certain that you file an entire claim. It is advisable to follow their advice and instructions because this might result in communication gap as well as later have difficulty in processing the claim.

8. Before getting the vehicle relocated to the garage of your liking, consult the insurer when they have a listing of preferred repair shops in your town. This could save you plenty of issues at a later time using the auto insurance company.

9. Just in case an adjuster is appointed, make certain that your insurance provider agrees to cover all repairs before getting work done on your own car.

10. Just in case you will find supplementary damages found during the time of repair as well as the estimated loss is beginning to change, contact the insurer and obtain if confirmed.

11. Check all repairs in the auto shop as well as whenever you return home to make sure that you will be pleased with the work.

12. Have an official receipt from your repair center that details all of the work they completed. Make certain that name and address of the shop are clearly identified. You may want to submit this together with your insurance claim.

Keep in mind that most of the problems that individuals have using the auto insurance companies are simply due to not pursuing the rules. Unfortunately, the car insurance providers have set rules that they follow and should not be changed.

Dr. T Smith, London, is an expert on the UK car insurance claims market. For more information about car insurance claim help,simply visit our website.

Is A Hybrid Vehicle Worth the Cost

That being said, the hybrid vehicle is not a white elephant that isn’t worth the purchase. The hybrid is a more fuel efficient vehicle and, thus, can save consumers money on the back end. Plus, the US government still offers some tax credits on certain lesser-selling hybrids, so there is a tax incentive.

The biggest benefit of the hybrid is that it is the precursor to the alternative fuel vehicle, and provides a large environmental benefit. Hybrids output a small portion of the emissions of the typical gasoline-engine vehicle, and they have been praised for their adoption and development of the electric engine. Many lawmakers, automakers, and consumers are hoping to see this as the mainstream technology used in vehicles for years to come.

Hybrids are the closest thing we have at this point to an alternative fuel vehicle on the roads today, and are the choice for the (long-term) budget-conscious and environmentally-aware consumers. As fuel prices rise, the savings of hybrids will continue to grow, possibly to the point that it will make sense for most, if not all, new vehicles to utilize a hybrid system.

Despite the loss of some power under the hood, consumers are warming up to the hybrid vehicle as a means of common transport, and are willing to pay the extra cost now to reap the benefits of this rapidly-developing alternative-fuel technology for the future.

The 5 Best Keyring Keychain Pocket Penknives

The 5 Best Keyring Keychain Pocket Penknives >

The key-ring penknife should be a practical and sturdy knife without being too bulky in the pocket. Ever present, attached to the house or car keys, it is the low profile knife of last resort.
UK Legal Carry Folding Pocket Penknives
Keyring Penknives
Folding Pocket Penknives Below 20

1 – Spyderco Grasshopper Single Blade Penknife C138 – The 2.3 inch long, 2.25 mm thick blade is more than enough for most cutting tasks, pencil sharpening, package opening etc. The large handle-hole accomodates a keyring and large bunch of keys.

2 – Spyderco Honeybee Keyring Penknife C137- Scaled down version of the Spyderco Grasshopper Knife with thinner, 1.6 inch blade, for a less bulky key-ring knife.

3 – SOG Micron Black Tanto Keyring Penknife- The 1.5 inch blade SOG Micron is a feather weight, key-chain penknife with its skeletonised, black coated steel handle.

4 – Victorinox Classic Alox 3 Blade Penknife- The Victorinox Classic has the luxury of scissors and nail-file with screwdriver together with its 1.5 inch blade.

5 – Victorinox Escort Keyring Penknife – The Victorinox Escort includes toothpick and tweezers with its 1.5 inch blade and nail-file with screwdriver.

The Best Motorcycle Roads In The South Of France

Situated between the Mediterranean and the Alps, the South of France is an all-year-round holiday destination. The summer brings to light the vivid colours of fragrant lavender fields in the Provence, whereas the glamorous Cote Azur lures you with palm tree lined promenades and beautiful beaches under endless blue skies.

But thats not all – thanks to an excellent road infrastructure, the South of France is blessed with some of the best motorcycle routes in the world. There is a large variety of mountain, coastal and inland routes. In terms of mountain roads, you have the famous Route Napoleon between Grasse and Grenoble. This historic stretch of road is blessed with a perfect road surface and sweeping bends. The fact that Aprilia, BMW and Ducati have chosen the Route Napoleon for several motorcycle launches speaks volumes for this road. Apart from 2nd and 3rd gear turns, you have altitude changes which provide spectacular views. On route, you will pass through the Gorges de Verdon, which is the Grand Canyon of France. This together with the turquoise Lake Sainte Croix is a nature sight not to be missed.

Two other mountain roads not to be missed are the Col de Turini and the Col de la Bonette. The Col de Turini is part of the special stage of the Rally Monte Carlo. If youre after hairpins, this is the way to go. Once you get up on top of the Col de Turini, you can stop for a coffee and enjoy the view of the mountains and the rivers running in the valleys. But make sure you fuelled up your motorbike on the way, as petrol stops have to be planned carefully on this road.

The Col de la Bonette is the highest road in Europe. At 2715m you will enjoy spectacular views across the South of France and Italy. But dont forget to bring a warm motorcycle jacket, as temperatures tend to drop when reaching the summit. On the other side of the Col de la Bonette, you have a village called Barcelonette. A good place to stop and take a rest after riding these sky high mountain roads.

The coastal roads between Monaco and Saint Tropez can be compared to the Pacific Highway Number One in California. Just outside of Cannes you have the bright red Esterel rocks which sit in contrast to the deep blue Mediterranean Sea. Continuing on to Saint Tropez you pass through the villages Frejus and Saint Raphael. Riding in and out of Saint Tropez on a motorbike is pure bliss. As there is only one road going in and out of Saint Tropez, you will be able to filter through traffic in no time. Beats being stuck in a car for 2h each way. On the other side of Cannes, you have three different roads going along the coast. The Basse Corniche (lowest and closest to the water), the Moyenne Corniche (in the middle of the two routes) and the Haute Corniche (highest coastal road). All of the Corniches offer spectacular views of the Mediterranean Sea. Something not to be missed is Sainte Agnes; Frances highest coastal village at 750m. One word of warning is to avoid these roads in the holiday month of August. Due to school holidays, the traffic on these roads can get heavy. Best times are between March and May and September to end of October.

The Provence is a bikers dreams come true. No matter, which route you choose your ride past lavender, sunflower fields and various vineyards is something to write home about. And if you feel like taking a break, just stop in the next picturesque village and enjoy a Provencal cuisine meal. Our favourite villages are Lourmarin, Menerbes and Roussillion. If youre riding across the Provence you should not miss the Mont Ventoux also known as the windy mountain. This gruelling ascent is part of the Tour de France. The lunar like rocks on the summit give way to magnificent views across the Provence. You should also ride across the Alpilles, the Gorge d’Eygues and the Col de Cabre. You will not be disappointed.

Last but not least, the South of France offers sunny weather throughout the year. According to several weather websites, the South of France benefits of over 300 days of sunshine per year. Therefore, the riding season stretches from early March to late October. So no matter, where and when you ride, smiles per miles are guaranteed.

This begs the questions of how to get to the South of France. Nice Airport is the second largest passenger airport in France. Most international airlines serve this airport with several flights per day. As an alternative you can also fly to Marseille Airport. This airport is further to the West and offers the advantage of allowing you to explore the Pyrenees and Spain.

If youre coming from far away, it will difficult to bring your own motorcycle. In Cannes, you have a large choice of rental motorcycles in South of France including BMW, Ducati, Harley Davidson and others. But only one of these motorcycle rental companies offers you one way rentals, motorcycle delivery and pick-up from the airport and can provide TomTom navigations systems to ensure you get the most out of your motorcycle trip.

In conclusion it can be said, that the South of France ranks among some of the worlds best motorcycle regions. Giving yourself one week to explore the Provence, Alpes and French Riviera will allow you to discover some of the mentioned highlights. If thats not enough, you can always come back for more. Thanks to the sunny weather, motorcycle smiles per miles are to be had all year long.

Explaining Car Insurance Policy And Its Premium

A comprehensive car insurance policy is a must as driving may be fun but at the same time it involves high risk in case of any eventuality. Third party insurance is a statutory obligation in our country but you can choose your preferences from collision coverage, comprehensive coverage and personal injury protection However, you must go in for a car insurance policy that provides total protection to you, your vehicle, your co-passengers and third party liability as while driving you and your associates are also at risk.

How is car insurance premium calculated?

Car insurance premium is calculated on the type of insurance and other factors as explained below:

Types of car insurance: Third Party Liability, Own Damage, Personal accidental coverage. Depending upon the insurance type you opt, your premium would be determined.
Cubic Capacity of Engine: Engine size is one of the important factors in calculating the premium. The higher the cubic capacity if engine, the higher the premium.
Car Model/Type: The new car demands more premium. As the car ages, its value is depreciated and the premium decreases.
Registration place: The city in which vehicle is registered is considered while calculating the insurance premium. If your vehicle is registered in Delhi and you use it in Chennai, then also the premium would be calculated on the basis of your registered state. The premium is higher in the metros as they are more prone to vehicle theft and accidents.
No claim bonus: If you do not make any claim during one policy year then you can avail discount on your next premium. The discount starts from 20% and can be increased progressively upto 50% on the Own Damage premium and is not extended towards Liability premium.

No Claim Bonus is portable and you can get the benefit if you purchase a new car as it is provided to the insured and not the insured car. It is basically a reward for safe driving habits of the policy holder. It is applicable, even if you want to change your insurance provider. You need to show the NCB proof from your previous vendor and can avail NCB discounts from your new provider.

The factors discussed above are the major factors that determine the insurance premium. However, apart from that there may be several other factors such as age and profession of the policy holder and the safety devices installed in the car that are used in calculating the car premiums.