If you find yourself stuck in an accident, getting out of the situation is the first step towards your safety. Undoubtedly accidents are disturbing. Firstly you need to check if all the people are safe or if there is any injury, take them to the nearest hospital. And the next step after that should be filing your motor insurance claim.
For quick settlement of the claims, you need to inform the car insurance company in the stipulated time. All motor insurance companies follow a certain procedure. So, here is a quick rundown of the procedure that you may follow if you find yourself stuck in an accident:
Immediately Inform the Police
After a car accident, you need to lodge a police report. Even car insurers need you to follow that. Your car will be inspected by the police, as part of the process. A police report will be created and a summary of the incident will be created by the police. You would need to submit the police report to the insurer.
Send Intimation to Your Insurance Company
After filing a police report, the next step is to let your car insurance company about the accident. For the timely settlement of claims, you must share all the details related to the accident with your insurer. Make sure that you speak to your insurer in the stipulated time and submit all the required documents in the stipulated time.
If Possible Capture the Accident on Your Phone
To submit the proof, you can capture the loss or damage caused to your car, any other vehicle or even bodily injuries that resulted from the accident. It will support your car insurance claim and will be helpful for future records.
Go Through Your Motor Insurance Policy
Make sure that go through the policy wordings once before filing the claim. This way you will be able to claim the right amount.
Also, go through the policy features and benefits, what all it covers and the list of exclusions. Having a prior understanding of your policy benefits will keep you in a better position at the time of claim settlement.
When Should You File a Motor claim?
So, if you find yourself stuck in such a situation during an accident, it is time you file the claim-
If the Accident Resulted in Bodily Injuries
If there is an accidental injury, you without wasting your time get in touch with your insurance provider. When filing the claim, make sure that you assess the total loss or damage as per your car insurance policy. Make sure that your policy covers accidental or collision damages.
2. If the Accident Caused Damage to Your Car
In case the damage is caused by the other car, you will be recompensed by a third party liability cover.
If the damage resulted due to your fault, then you can seek reparation only if you have a comprehensive car insurance policy. It will also cover damages resulting due to natural disasters.
Here is a quick overview of the steps that you may follow while filing a motor claim –
For Accidental Claims:
Simply maintain your calm
And move your car to a safer place to avoid traffic jams
Try to alert other vehicles on the road with a warning signal
Contact the police for minor damages as well
If you need towing assistance, then also you can seek assistance from your motor insurer
Motor claim registration involves –
Submission of the original police report
Submission of a valid driving license
Submission of car registration copy (RC)
If you are waiting for repairs –
Drop the car at one of the network garages for cashless repairs or any other garage for reimbursement. If your car is severely damaged then you can seek towing assistance from the insurance company and get is dropped to the garage.
The damaged car will be then assessed by the surveyors for repair services. Mostly the approval is given within 2 days.
Once the repair work is done, you will –
The authorized workshop will give you an intimation call
You can pick your repaired vehicle and enjoy your ride
If you are lucky your insurer will send the repaired car at your home
What all documents do you need to submit to settle your car insurance claim after an accident:
Here is a list of some of the common documents that your insurer will ask for:
Police FIR Report
Car Insurance Claim Form
Vehicle Registration Certificate
Vehicle Modification Certificate ( if any)
Things to Remember In Case of a Car Accident
Contact the police and evaluate the loss or damage resulting from the accident
Do not forget to timely intimate your vehicle insurer and share all the necessary details related t to the accident
Avoid any argument or road rage during an accident, and let the police assess the situation and take necessary actions
If you want quick settlement of your car insurance claim, it is better that you go by the instructions
In a nutshell
In most of the cases, the above-mentioned steps should help you out. But, it is always good to go by your policy terms and conditions while purchasing a vehicle insurance policy and also at the time of claim. Because at the time of an accident it is important to maintain your calm and manage the whole incident tactfully and also file seek compensation from your insurer as early as possible.
Motorbike riding can be exciting especially during the hot weather. It can be enthralling and full of memorable experiences. From the thrills of viewing nature excitement to the excitement of sightseeing on those thick forests riding during hot weather is something you should seriously think about. Riding during hot weather can be one of the most memorable activity. However, you need to prepare. The following key factors will make your riding even more sensational.
The first step should be to inspect those tyres of your motorbike. Remember, during the hot weather, tyres tend to expand which increases the risk of bursting. Plus, ensure they have the right pressure. You can use your home pressure gauge or go to a nearby fuel station. Plus, consider checking the wear as well as tear of the tyres treads.
The next step should be checking all fluids in your bike. Ensure that the bike has the correct fluid levels. Look at the bike’s indicator it will give you a clear picture concerning the brake in addition to fluid levels. Also, don’t forget checking your bike’s coolant level. It’s important especially during hot weather seasons. Remember, the bike components need the fluids during hot water otherwise your bike will experience excessive friction and compromise its functionality. So, if you want to ride longer distances, ensure that all the fluid levels are correct.
Protect any exposed area including the ears, back necks, and wrists. Look for nice gloves. Cover your face. Get glasses to protect your eyes. Best Bluetooth helmet will help you during your trip.
With this strategy, you are able to protect your exposed parts of the body from elements like strong wind, dust, etc.
Ever heard of summer gears? Probably yes. These are gears used during hot weather seasons. So, ensure that your bike has the right gear before setting out. So, don’t ride in that winter bike gear it will make you extremely uncomfortable. With a proper gear, you will be kept super cool while ensuring that your safety isn’t compromised.
Other tips include:
Purchase quality summer gloves
Get good textile jackets
Wear riding jeans
Don’t park your bike directly under the sun. Put it under a good shade. Remember, you bike is made of plastics, paint, and other materials that can be affected by the sun. For instance, the seat can get so hot and make you uncomfortable. Also, if you can’t find a shade, don’t leave it exposed to the sun or too long.
The power of adequately planning for your journey cannot be underestimated. So, plan it. Carry the necessities. From water to a few snacks carrying the necessities will go along way in making your journey a success. Water ensures that you don’t get dehydrated. Snacks helps boost your body’s energy.
Like other machines, your bike needs frequent breaks. With breaks, you give it time to cool down. Plus, you get time to rest a key step in making the trip a success.
Plan your journey and take more breaks.
Ride in style during this summer. Make things exciting during your rides. Use the above tips to ride during this summer like a pro. Know how to inspect that bike of yours, check the fluid levels, take breaks etc. This will help make your trip successful. Happy riding!
Car rentals can be a saving grace on a business trip or family holiday. However, they can also be a headache if you aren’t careful. Travelling shouldn’t be a stressful experience. Here are four things to keep an eye out for when you are booking car rentals:
Watch for hidden fees. Things like fees for young drivers, premium insurance charges, fuel or mileage fees, and late return or pick-up fees could be lurking in the fine print of your bill. If you don’t refuel the car before returning it, in most cases, you’ll be charged premium rates and spend two or three times what you might have spent at the gas station. Make sure that your rental is clearly explained to you, including all charges and fees.
Be aware of premium rates for weekends and holidays. If you absolutely need the car during these times, you will just have to pay more. If, however, your travel dates are somewhat flexible, consider booking earlier or later to avoid paying the premium rate. Some rental agencies may also have minimum or maximum limits in place during holidays and special events, so check for those as well.
Don’t fall for insurance sales pitches. You DO need to have insurance cover for the rental car that you hire. However, you may not need every single type of insurance offered at the rental counter. You may not need any of it at all, in fact. Check your personal car cover and see if rentals are covered. If not, shop online to save as much as 50% compared to what you would pay at the counter.
Watch out for bad business practices. Some rental agencies aren’t operating on the up-and-up, and might not have all of the appropriate paperwork or legal protections in place. If nothing else, their customer service might not be there when you need them, such as if the car were to break down. No matter how cheap their rental rates are, make sure that you choose a company that is reputable and professional first and foremost.
Car rentals have a lot of benefits. The internet has also made the rental process a lot simpler. However, you do still have to be wary of what you are agreeing to with any kind of rental. These tips should help you get more out of your car rentals both now and in the future.
Whether you’re trying to keep your current car paint job looking great or you’re preparing for after your new paint job, you will put out around $500 for your paint job.
Failing to protect it is a waste of money and there are simple things you can do to make sure your car stays looking great for as long as possible.
Continue reading this article to learn how to keep looking cool with a shiny new paint job.
That’s an Awesome New Car Paint Job
Your friends are sure to notice when you get your car painted. The last thing you want to do is let it get messed up and look less than fabulous. These tips will help you avoid lackluster paint.
Paint Protection Film
One of the best ways to keep your paint from things like chips, discoloration and other things that mess up your paint is paint protection film.
The paint protection film is a top coat that goes over your paint to protect it from common road hazards.
Have You Waxed Lately?
It isn’t just your legs that need a good waxing. Your car needs to be waxed as well.
Waxing your car helps to protect it from the sun in the Summer and the harsh conditions in the Winter. Your car needs to be waxed around every 3 months.
If you don’t want to DIY the project, you’re likely to find you can outsource the project for $80+ depending on the area where you live.
Get Those Bird Droppings off
If a bird decides to use your car as a bathroom — get it off! The highly acidic content in the bird droppings can damage your car even if it does have a clear coat paint job.
You can find wipes on the market that will specifically help with this issue.
Clear off the Tree Sap
Tree sap isn’t as easy to see as bird droppings. If you are parking under trees, you should inspect your car every time that you get ready to go out and drive.
Pine sap is very damaging so even if you’re helping your car’s paint job by keeping it out of the sun, you’re hurting it with the tree sap. If you let the tree sap bake on your paint, you’re looking at serious trouble so get those wipes out and remove the tree sap right away.
Park Under Cover or Get a Car Cover
If you don’t have a garage, you might think you can’t protect your car from the elements but there are car covers for every vehicle model. When you put your car under a cover, it might be an extra step but you’re going to keep your money in your pocket instead of paying for a paint job that was unnecessary.
Get More Great Tips for Your Car
Now that you know how to protect your new car paint job, it’s time to learn more great tips and tricks to help you be a great car owner. Navigate to your favorite part of our site and bookmark it for more great reads.
The car buying process is a highly personal and emotional one. We all prioritize unique factors and care about different features. But there are two things almost every car owner and driver cares about: safety and performance. The question is, can you get both?
5 Tips for Choosing a Safe, High Performing Vehicle
When it comes to car shopping, most people would prefer to talk about things like interior options, trim levels, colors, body styles, and zero-to-sixty times; however, there’s more to a vehicle than good looks and high speeds. Though it’s not nearly as sexy, the safety features are exponentially more important.
As you shop around for your next vehicle, make sure you’re taking everything into account. If you prioritize both safety and performance, you’ll stand a better chance of purchasing a vehicle you’ll be happy with over the long haul. Though you’ll have to compromise in key areas, it is possible to get both.
In terms of safety, the following tips will allow you to find a vehicle that meets your needs:
Make a Wish List
The first step is to make a comprehensive list of exactly what it is you want to have in your vehicle. Grab a sheet of paper and draw a line down the middle. In the left-hand column, list the performance features that you want in your vehicle. In the right-hand column, list off the safety features you need.
This list will serve as a guiding force for you. You won’t get everything you want from both of these columns. However, the goal is to get as many as you can from each. In doing so, you’ll maximize your safety and find a car that feels good to drive.
Research Crash Ratings
In terms of safety, the best way to analyze cars is through the filter of independent safety ratings and crash tests. Specifically, you should look at the aspects of a vehicle that are most vulnerable, such as the sides.
As Rosenfeld Injury Lawyers explains, “Many crashes are T-bone collisions, which place the driver or passenger at greater risk due to an impact from the side. Modern vehicles are designed to distribute the force from a front or rear impact away from the driver or passenger, but a collision from the side can cause severe trauma or death.”
The safety ratings of older vehicles were exclusively connected to the design of the car’s body, frame, and chassis. Today, safety ratings are also highly affected by the safety features that are built into the models.
As you shop around for your next car, consider advanced safety features like adaptive cruise control, automatic emergency braking, lane departure warning, blind spot detection, rear-view cameras, and safety exit assist.
A decade ago, the IIHS performed a series of crash tests to demonstrate how the law of physics impact a car’s overall safety. The results were predictable to those who understand physics, but they bear emphasizing.
“The organization took three small cars that earned top crash-test ratings, and crashed them into midsize cars made by the same car company. In every test, the larger car did a better job of protecting its occupants than did the smaller car,” New York Daily News explains.
Though not everyone needs an SUV or truck, there’s something to be said for purchasing a heavier vehicle that can withstand more force in a collision.
As a general rule of thumb, try to buy a newer vehicle whenever you can. You’ll gain access to the latest technology and safety features. You’ll also get more bang for your buck.
Putting it All Together
When buying a car that’s safe and high performing, compromise is the name of the game. The key is to choose your compromises wisely. In most cases, it’s far wiser to compromise on the performance side of things and err towards maximizing safety. What you lose in “cool points,” you’ll more than make up for in peace of mind.
These days you hear a lot about electric cars falling short of the claimed range by the manufacturers. It is pretty much the same story as the MPG ratings which never live up to the expectations. So we have a recommendation. The regulatory bodies should replace their traditional method of rating cars with a simple, real world test: Los Angeles to Las Vegas on one charge!
If you think about it, this is the best test of an electric car’s real world’s performance, comfort, range and pretty much everything else. Not that too many people are inclined these days to go Vegas, what with the top casino codes at your fingertips anytime you want. But still, a good number of drivers make this journey every week, if not for gambling then for bachelor parties, or to partake in the city’s vibrant prostitution scene. In any case, the point is, L.A. to Vegas on one charge is an excellent measure of evaluating an EV’s capabilities.
Frankly, if an EV cannot make the 270 miles distance between L.A. and Vegas on one charge, it is not really a good one – simple as that. This is the absolute minimum inter-city range an electric car worthy of the name should be capable of. Think of it like the NCAP or IIHS rating. Sure, you can spend a little less and get the car with the lower rating. But it could very well end up costing you dearly later on.
That is why we reckon the L.A.-Vegas one-charge trip could be established as an industry-standard benchmark test. We could call it the Vegas rating. And the rating system could be little Martini glasses in place of stars, with cars that make it through with a decent amount of charge still left in the batteries getting a full 5 Martini glasses, those that just about make it one charge getting four glasses, and so on.
Mind you, Tesla has sort of ruined this test already by putting up a great network of Supercharger stations along that route. But that should only affect biased testers and cheats. Independent referee should have no problem resisting the temptation to juice up a little half way to the desert. For Europeans, a similar route could be devised from, say, Milan to Monte Carlo. I don’t know why all my routes have to do with gambling, but here we are. That probably has something to do with the fact that running an electric car as a daily driver is, at the end of the day, a gamble.
There is a famous saying that money can buy everything except class and character, and nowhere is this more clear than in the world of cars. Look around next time you find yourself in a fashionable high street in any city around the world, and you will find the flashiest cars are being driven not by the old money, but the nouveau riche. There is just something about new money that does not go along with taste.
Granted, the old riche – as it were – were once nouveau riche themselves and now that they have done it all, it has grown out of them. So maybe it’s a rite of passage, buying embarrassingly flashy cars on your way to become cool and classy and develop some real taste. But we reckon there is more to it than that. There is something to be said about the way that money is made that is in direct accord with what it is being spent on. Take, for example, someone who has made big money mining crypto-currency, or, I don’t know, through online poker or something. He or she is going to spend that money on an entirely different kind of car than, say, a surgeon, or a screenwriter.
That is not to say the nouveau riche always buy crap. On the contrary, sometimes you find some pretty cool stuff in the parking lot at the Old Trafford. Sometimes Mr. Young Money catches a glimpse of a fellow Fresh Prince and realizes he’s been doing wrong. Or they might come across a real gentleman with a set of gentlemanly wheels and try to emulate him. But on the whole, I am afraid, the whips of the parvenu make them stand out for all the wrong reasons.
It is not just the brand, either. The bad taste of the nouveau riche extends to details beyond the mere badge. They tend often to go for extra-vibrant colors, put unnecessarily large wheels on the car, and install ridiculous body kits. It doesn’t make sense to a normal guy, at least not until you realize it is for the sake of the attention those things grab that the young buck loves orange paint job and spinner wheels and naked carbon wings. It is not enough that they have the money, they want everybody else to know they have the money. Maybe it’s an evolutionary thing, the same old peacock’s tail theory, if you like. Maybe, ultimately, big wings and dished wheels serve no higher purpose than to attract a mate.
And maybe it is because the nouveau riche can’t rely on their wits and manner to score a mate that they resort to showing off their wealth. Whatever the cause, they are the reason the world is so full of uncool cars, and why car makers follow so many uncool trends in design and style. After all, they want to be where the money is.
After a car accident, you may be in a position to pursue a claim to get compensation for injuries and damages. What you do immediately after the accident has an impact on the outcome of your case. Many road users are unaware of the steps to take after an accident and most end up making mistakes that compromise the compensation they should get.
This article highlights some of the key mistakes you should avoid after a car accident.
Not Calling the Police
In most states, individuals involved in an accident are expected to call the police where there are injuries and vehicle damage. A police officer will help in collecting evidence and documenting the accident. Such information can be helpful, especially in cases where the accident leads to a lawsuit. Having an officer come to the scene of the accident is also essential to prevent further accidents. Ensure that you give the officer all the information they ask for. Also, don’t forget to get the details of the officer or officers who come to the scene of the accident.
Not Collecting Evidence
Another mistake you should avoid is leaving the scene or moving vehicles without collecting evidence. Gathering enough evidence at the scene of the accident strengthens your case. There are three key pieces of evidence you should collect at the scene.
One, you should take photographs showing the damage and injuries. Take lots of photos from different angles. Two, get the contact information for any witnesses. Three, get the details for the other party involved in the incident. If it was a hit and run, take note of the model and color of the car, and the plate number if possible.
Not Seeing a Doctor Immediately
Not seeing a doctor immediately has two negative effects. One, if the injuries are not treated immediately after the accident, they could get worse and cause more serious issues. Two, when you delay treatment, the other driver’s insurance company can use that against you. They can argue that the injuries were as a result of something else and not the accident. Thus, you should get help immediately, even for minor accidents as you may have whiplash. Tell your doctor that you were involved in an accident so they can give you a complete exam. You never know, you could be injured and not even realize it. Your doctor will be able to prepare a medical report that you can use for your case.
Giving a Statement to the Party’s Insurance Company
After the incident, the other party’s insurance company may contact you to ask some questions about the accident. A big mistake you should avoid is talking to them before consulting a car accident attorney. If the insurers need any information, have them talk to your lawyer. Also, you should avoid sharing details of the accident on social media. If you have to inform friends and family that you were in an accident, call them or send them private messages.
Not Hiring a Good Attorney
A good attorney is essential in getting the compensation that you deserve. To find the right one, start by making a list of car accident lawyers who are licensed to operate in your state. You can ask for recommendations or search the internet. For instance, if you’re based in California then you may come across the accredited Arash Law Injury Lawyers who are a car accident law firm who can give you a free consultation. You should check the qualifications and experience of the firm you use, their BBB listings, and reviews from people who have used their services. Looking at the same example of Arash Law, they have a success record page on their website where you can find testimonials and results. Finally, talk to the lawyer in person. This will give you a better view of their character, reputation and ability to represent you. Don’t forget to ask about the charges. Once you find a good lawyer, they will handle all the details for you including putting the evidence together, calculating the settlement amount and negotiating your claim.
Waiting Too Long to File a Claim
When you wait too long before initiating a case, you weaken your chances of getting the compensation you deserve. Soon after the incident, you should contact a car accident attorney to get the claims process started. Also, note that each state has a time limitation for filing damage and injury claims.
Settling without Consulting
The first offer you get from the insurance company may seem like a good offer, but it may not be the right amount to cover the damages and injuries you suffered. Thus, before you accept an offer, talk to your lawyer. A lawyer experienced in handling car accident claims is in a better position to determine how much the insurance company should be paying you.
By avoiding these mistakes, you will be able to complete your car accident injury and damage claims smoothly. If you were in an accident and already made some of these mistakes, talk to a lawyer and they will help you in determining whether you have some basis for filing a claim.
Granted, the Turbo version of the Porsche 911 is not as special anymore, now that all version of this iconic sports car have been turbo-fied. But still, if you want a high-powered 911 that, unlike the GT2 and GT3 variants, you can daily drive, the Turbo is still your best bet. And that is why the new Porsche 992 Turbo, forthcoming some time in early 2020, is a remarkable car worth speculating about.
So right off the bat you know what you’re getting with the Porsche 992 Turbo. It is basically a regular 911 C4 with a souped up turbocharged flat-six engine. But as to how much oomph the new model will be packing, well, the word on the autobahn is the standard version will boast around 540 horsepower out of the box, which is a healthy number. But as always there will also be a S variant you can get for a whole lot more money, and that should be good for around 600 horsepower. That extra power is hardly a bonus considering the price difference between the two, which, if the current model is any indication, is around $30K.
True to its nature as an evolutionary car rather than a revolutionary one, the new Porsche 992 Turbo will get all the technology features of the previous model, but they have all been made a little bit better. So you get the performance-oriented all-wheel-drive, the exquisite Porsche driving management system with trick suspension and electronics, and the rear-wheel-drive steering. That said, Porsche could have something new in pipeline for the new Turbo, something along the line of the Wet Mode which they came up with to spice up the regular 992. In any case, you can rest assured that the new 911 Turbo will be every bit the daily-drivable supercar we all know and love.
All that is great, but none of it is stimulating enough to get us excited about the new Porsche 992 Turbo. But don’t despair, because the looks of the car could very well be. The regular new 911, pretty much everyone agrees, is an alright looking car, if a bit tame and conservative. That won’t be the case with the Turbo. The guys at Car & Driver have penned a rendering (shown below) showcasing the new Turbo, and we have to say it looks pretty awesome in a German supermodel sort of way. The rendering, mind you, only shows the backside, which is enough, given the fact that the 911’s face always looks the same regardless of type and model.
Whether you are an immigrant leaving your mother land behind to start a new life elsewhere, or just a student or just someone planning a long stay in a foreign land, one of the inevitable situations you are going to face is driving in a completely new environment. While it might not seem like that big of a deal for someone who is already an accomplished driver in his or her own country, the challenges they might face could be enormous and quite stressful.
Any change, for that matter, could be stressful, let alone a change that requires you to adapt certain concrete skills honed and established in you over years to a new and often exotic setting. Take, for instance, someone from Hong Kong moving to the United states through online lottery in USA or something. First and foremost, he will have forego all he has learned about which side of the road to drive on, and basically reset his brain and feed it new data about directions. And that is before he can begin making new neural pathways for the location of the gear stick, the indicator stalk, etc., and only then begin to worry about the road regulations in the new country.
So you see that this seemingly easy task could end up completely disorient a fella at first. So what are the steps one can take to ensure a trouble-free transition?
The first logical step would be theoretical work. What we mean by that is, before setting off for a new environment where you will be driving, you have to take time to familiarize yourself not just with the rules and regulations of the new place vis-a-vis road behavior, but also habits and quirks of its people when it comes to driving. And lack of resources is not a valid excuse anymore. Scour the internet for all the data you can find on the new environment, and memorize, for example, the way they go around roundabouts, or whether or not your are allowed to make a right at a red. These little details go a long way to minimize the stress level once you find yourself on the road for real. Do not assume that rules are basically the same everywhere and that you can wing it. In most European countries they operate based on a strike system and enough offences could result in your license being taken away. And in America you could go to jail.
You could also hit YouTube or other video sharing sites and look for actual footage of the city you are travelling to. A neat feature of these sites is that you will always find some people who have filmed their entire commute by a dashcam or something, so you get a first-hand look at what it’s like driving on those streets, how much space the people there usually leave between them and the car in front – if they stop four car lengths behind or, like London van drivers, stick their nose up the front cart’s bottom – and you get a good idea of how they treat the traffic lines and graphics and basically what they mean. This way, when the time comes for you to get your new license there, you have already mastered the important stuff and breath through the exam. Again, do not trust your gut, because it is attuned to your old driving habits which don’t work elsewhere.
Another extremely important you have to learn before starting to drive in a new city in order to lower the chances of getting overwhelmed with confusion is the parking situation. You have to be aware of where people there usually park on the side of the street and alleyways, whether there is car parks near you and how much they charge, and generally acclimatize yourself with their parking habits because they are almost certainly going to be different than yours. Do not guess if a place that looks okay to park, really is. One of the worst things you can face as a newcomer to another country is having your car towed or getting a big fat ticket.
Last but not least, try to figure out what sort of vehicles are more popular in your destination city. If, for example, you are moving from Tokyo to Adelaide, you should know that a lot of people there drive big 4x4s and if you are used to tiny city cars, you could find yourself feeling like a mouse among elephants. So you can go and rent a 4×4 before hand and practice driving with that.