Auto Insurance

Temporary Auto Insurance: The Basics

The temporary auto insurance is also known as the short term auto insurance. This policy can offer what the standard insurance can, but only for a short amount of time. Like the standard policy, your car or the car that you borrowed, will be protected from theft and wreckage.

The application process for the temporary auto insurance is easier and shorter as compared to the standard insurance. In this period of technological advancement, most, if not all, of the insurance providers allow processing online. Yes, all you have to do is look up the requirements for the application online and you can send them online, too. However, some companies may not allow online processing. Companies that allow online processing have hotlines that are on 24 hours a day, 7 days a week, so you can process the requirements anytime. But let’s say that you’re not satisfied with the insurance policy. What if you want your policy cancelled? Cancellation may be complicated with standard insurance policies, but with temporary auto insurance, it is very easy. A cancellation letter is all that will be needed. Of course, refunds may be a bit complicated and procedures will vary from company to company.

Although this kind of policy isn’t as big a deal as the standard car insurance, it’s also a good idea to look around and check out the different insurance providers and what they have to offer. You may be using that policy for only a short while, but you can still save some money if you choose the right provider. Remember that it’s very easy to ask for an online quote from these companies. That means that there’s no reason for you to be shy when asking for an online quote. As long as you pass the requirements, they can send you the quote. But it’s also important to take note that there are some requirements that are common among all providers. First of all, insurance providers are less likely to entertain applicants below 25 years old. Another important requirement is your driving record. Your driving record must be very clean or you won’t be getting that policy. If you’re a first time driver, you will definitely have a hard time looking for a provider. Insurance providers rarely entertain first time drivers. Just be sure to do you research thoroughly, before choosing an insurance provider.

The temporary auto insurance does have its complications, but it’s safe to say that it is very convenient. Just don’t think that you can use the temporary auto insurance to replace the standard insurance. This policy will only be good for short durations only.

Before driving a borrowed car, always remember to get temporary auto insurance. You never know when an accident will happen. When expecting a visit from relatives or friends from afar who are going to borrow you car, you should get this policy, too. In that way, you and your visitors will have peace of mind in driving around your car. Yes, the temporary auto insurance is very helpful. Car security has never been more comfortable. It is also more convenient, now that you can process applications and payments online.

Auto Insurance

Types of Auto Insurance Companies

Different auto insurance companies offer different types of coverage to suit any need, budget, and car type. To know which one best meets your present requirements; you need to have a thorough understanding of each type.

Comprehensive Auto Insurance

This is the most common type of auto insurance. It is usually used for brand new to almost new cars and vehicles that still have a relatively high market value. This kind of insurance protects the owner against every possible thing that could go wrong – theft, injury, damage, etc. Filing for a claim is a snap – there is no need to show fault. Because of this, rates of comprehensive auto insurance tend to be high. It’s a good idea to avail of this type if you can afford it, because it can give you peace of mind.

Special Car Insurance

This kind of auto insurance is designed for vintage, classic and collectible cars. It has all the benefits that comprehensive insurance offers, so you are protected against all possible scenarios. Keep in mind that special car insurance does impose a certain limit- you can only drive your vintage car for a limited number of road miles a year. Be sure to talk to your insurance agent thoroughly about this matter.

Third Party, Fire & Theft Auto Insurance

As the name implies, you can only file for a claim under this type of insurance if you are at fault in a given accident, in the event of fire and if your car gets stolen. If you hit a wall or if another car hits you, you cannot claim for anything (you should instead let the insurance company of the person who hit you pay for the damages). This insurance is inexpensive, and is ideal for people who drive older cars that have already depreciated in value.


Texting and Driving Bill Under Consideration

Driving a motor vehicle takes certain skills and abilities, and some of us are better at it than others. The very act of driving requires multi-tasking, so any time you add another task to focus on while driving your chances of driving unsuccessfully increases tremendously. Unsuccessful driving means that, at the very least, there will be property damage and at the very most, someone may be killed. Driving is one of those everyday tasks that we undertake without much thought about the outcome. Young drivers tend to think that they are impervious to the negative effects poor driving habits may cause, while more seasoned drivers will get behind the wheel without much thought as to what can happen between Points A and B because it has become just part of our daily routine.

No one gets behind the wheel thinking, “I am going to get into an accident today, or cause someone else to have one,” but it happens every day, over and over, and no one ever thinks it will be them. Granted, a good driver needs to have confidence in his or her abilities. Indecision when driving can cause a motorist to be just as much of a threat as someone who is otherwise impaired. Being overly confident in one’s abilities can also be deadly. You cannot adjust your radio, reprimand the kids in the back seat, talk on your cell phone, et cetera, and still focus well enough on your driving to not be a danger to others. This is the crux of a new bill that has been filed in Florida which is to be considered during the next legislative session.

Texting while driving has been a source of controversy for years and as of last year, it was made a secondary offense in the State of Florida which means that a cop can’t pull a driver over for texting, but they can write a citation for it if the driver gets a traffic ticket for another reason, such as speeding. This new bill; however, would make it a primary offense allowing police officers to pull people over who they see texting while driving.

This bill was filed by State Representative Rick Stark who was quoted as saying that texting and driving is “something everyone’s guilty of, but everyone’s guilty of speeding, everyone’s guilty of running a red light, and the police can pull you over for those.”

Stark’s bill would result in a traffic ticket that carries a fine of $30 which is the conventional traffic fine for a non-moving violation. Senator Maria Sachs submitted a similar bill to the State Senate which would mandate that texting while driving in a school zone would result in doubling the amount of the fine.

In an attempt to ease the bill into law at a more gradual pace, State Representative Irv Slosberg also filed a bill that is a compromise to those of Stark and Sachs. The bill filed by Slosberg would make texting in a school zone a primary offense while otherwise keeping it as a secondary offense in other areas. Additionally, he also filed a bill that would result in a second-degree felony charge if someone is fatally injured by a driver who is texting while driving.

Road safety is of particular concern to Slosberg. His commitment to making sure fewer families suffer from the tragedy of losing a loved one to automobile accidents arises from losing his own 14-year-old daughter in a fatal crash back in 1996. Although committed to texting law reform, Slosberg believes that these kinds of changes occur in small increments as evidenced by his push for the law to make wearing a seatbelt mandatory in Florida. It is not a law that was enacted overnight; it was passed as a minor infraction in 2004 and became a primary offense as of 2009.

“It’s not that I don’t want Stark’s bill to succeed – I do – but, you know, it’s my 11th year here,” Slosberg said. “And I’ve learned that things don’t get done overnight. They happen in little steps – bites at the apple.”

“I’ve been talking with Stark, Slosberg, and others,” Sachs said. “This is a compromise bill that we think we can get through the House and Senate. We gave it a year as a secondary offense, and it really hasn’t worked that well. But it has at least started to bring in the idea of a culture of safety.”

Senator Sachs disagrees with Slosberg’s view that these things happen over time, and she very well may be right. In 2013, the current texting while driving bill passed with very little opposition from other legislators, passing the House 110-6.

Don’t think that you will get a pass from law enforcement while this bill is still up for consideration. If a cop sees you texting and driving, he can find other primary reasons to write you a traffic ticket readily enough and add texting while driving as the secondary offense.

Many proponents of a ban on texting while driving liken it to drinking and driving. Although drinking impairs one’s judgment, texting takes a driver’s focus off of the road for several seconds at a time. One governmental study showed that whether sending a text or reading a text, a driver’s attention is taken off of the road for nearly 5 seconds. This bit information should make anyone who texts while driving reconsider the danger that doing so presents.


Understanding Auto Electrical Repairs

Nowadays, auto electrical repairs are getting more and more complicated and are already pressuring the boundaries of contemporary technology. However, they are fundamentally the same with their design three decades ago. An informative general idea of your vehicles electrical structure would be an excellent kick off. The most important mechanism of your cars electrical system, the battery and the alternator are explained underneath, in conjunction with some troubleshooting tips.

Your Cars Battery

Car’s battery is a storage piece of equipment and is employed to start the engine. The battery helps activate and control the electrical accessories set up and installed on your car. The battery is composed of six cells of heaped positive and negative lead plates, divided by insulators and wrapped up in electrolyte, which is a mixture of sulfuric acid and water. The six cells generate 2.1 volts producing an entirety of 12.6 volts. This kind of energy is stored energy and not produced energy.

On every occasion that a car show signs or symptoms of a charging or starting system breakdown, the most essential assessment and check that should be carried out first is a voltage and visual test of the battery. Realizing and learning the precise circumstance of the battery is the most excellent means to be acquainted with whether or not to suppose other system components can put off the redundant setting up of a starter or alternator, which cannot patch up the vehicle until the battery is up to bump off.

It is very recommended that you seek the help of auto electricians in order to fully be aware of the auto electrical repairs that should be done. Auto electrical repairs on batteries might be tricky that is why you should always have the backup of the professionals for this matter.

Your Cars Alternator

The cars alternator generates electricity which is employed to preserve battery storage charge and to lend a hand in operating the entire the electrical accessories, which includes the ignition and the engine control systems. The cars alternator is belt-driven by the engine and creates an alternating current which is transformed to twelve volts direct current by means of the rectifiers or diode bridge.

In contradiction to popular idea, an alternator does not continuously generate electricity. It sequences on and off at the same time as demand goes up and down. The battery bumpers it from the electrical demands of the car, and it merely works sufficiently to uphold system voltage. By the side of the highest point of effectiveness and competence and for its durability, the alternator is ought to be charging not exceeding half of the time.

By checking out all simple circuits first can to the highest degree decrease your troubleshooting time and needless replacement of your alternator or auto electrical repairs. You can always ask the assistance of the auto electricians in order for you to fully understand the different matters with regard to alternators and its maintenance.

All in all, your vehicles electrical structure should be entirely maintained and preserved every two years or at whatever time auto electrical repairs for any type of drive ability breakdowns occur.

Accident Law

Personal Injury Attorneys and Car Accident Lawyers – What People Should Know About These Professions

With more statistics showing how vehicle crashes are on the rise, it’s high time to know about personal injury attorneys and car accident lawyers. These two professionals may help you in case you become a victim to such a situation.

What is a personal injury attorney?

A personal injury attorney is a person who specializes in this law aspect. The attorney will represent you in negotiating with the other party or stand as your court representative if you decide to go to trial.

Personal injury covers emotional, physical, or psychological anguish felt by a person because of another party’s actions. Some examples of these include experiencing a dog bite due to an irresponsible dog owner or getting involved in a car accident that resulted from another driver’s drunken state. Cases also cover faulty service or defective goods produced by a company. It also includes possible slip-and-fall incidents caused by negligence or downright willful ignorance of the law.

What is a car accident lawyer?

This particular law practitioner is one that focuses on car accidents. He or she may be the chosen person to examine offers for settlement. The individual may also study insurance payments offered by the party at fault.

In case the situation goes to trial, this person will represent your case in court. He or she will be responsible in presenting facts obtained from police reports and argue this before a judge and a jury panel.

Are there similarities between the two or are they completely different from each other?

In some instances, personal injury lawyers and car accident attorneys are regarded as one profession. This happens because many personal injury lawyers specialize on car accidents and many car accident lawyers work for law firms that focus on personal injury claims.
So what can a lawyer do for me?

Regardless of the law an attorney practices, he or she may still do several things. This includes studying offers made by the other party to settle out of court. It also includes giving you legal advice regarding your case’s standing. At times, the person may also function as a mediator between you and the insurance company that will give due payments.

If the lawyer deems you have a solid case, he or she may tell you that you should take it to court. Agreeing to his or her suggestions will set things in motion. The legal professional will look at filed police reports of the incident and then file the necessary papers.

If a prospective compensation offered by the offending party seems good, the attorney should tell you about its merits and drawbacks. He or she will tell you of the possible compensation you can get and its probable legal impact to your case.

Will the attorney take my case to court?

Yes, if this is your wish. Lawyers are bound by law to follow their client’s wishes. If you deem it is necessary to take your case before a judge, the lawyer will have to prepare the case against the other party. If settlement is on your mind, the legal professional will examine offers closely and see if this works to your benefit.


Sports Cars – An Introduction

An automobile designed for high speed and power, tight handling, and flashy look is what is known to be a sports car.

There are a various number of cars that can confer on the driver the status of being a really great driver to be around. The sports cars are amongst this category. These are produced every year, and each production is better than the previous one. They have the stylish look and it is a craze that everyone goes for. It is considered an element of glamor to own a prestigious sports car.

But now the question here is how to distinguish between a normal car and a sports car. So, the main criterion is the sleek aerodynamic body. The traction of the wheel will allow the car from flying as it moves with a high velocity at roadways.

Most of the these are often very expensive. But some of them are available at affordable prices. These are a craze amongst young people. So mostly they opt for such type of cars. Even the fact is that the target audience for such cars are young adult drivers. Young people consider them to be their dream car, and this may be the best thing to drive for.

The sports car lovers look for having a rear wheel drive. They have sleek look to the body and these are designed to hit the roads. Mostly are two seater and have excellent braking and superior handling systems.

They always go for certain modifications that bring about various changes. These changes are for the racing style and are meant for racing purpose and at the same time it must have the safety features also.

These allow you to feel the power as they roar through the streets. The companies that manufacture them have the proper knowledge and experience that allow them to have speed and safety at the same time. Speed is fine but safety margin is the first priority to be considered, while developing such kind of cars.

The racing cars are manufactured with high quality materials.

The number of reasons are there to purchase a sports car but the prime reason is that this car will help you go to place you dream of. If you love speed then they are the best option for you.