The Vehicle Registration Marks Act recently became law ( 19th July 2007 ) , it was instigated by the CNDA ( Cherished Number Dealer Association ) and was presented by Richard Ottaway MP.It will change the way a vehicle registration number can be retained.
Previously , when private number plates were taken off a car and put on retention using form V778/1 , the applicant would be the registered keeper who would become the Grantee on the V778 retention certificate.The Grantee was able to nominate a third party as Nominee but this person only had one right and that was to assign the number to a vehicle registered in his name.The Grantee was the only person who could extend the certificate, change the nominee or importantly request a duplicate from DVLA.This created a potential fraud situation whereby a retention number could be sold by the grantee who could then request a duplicate ( which supercedes the original ) and the buyer would lose the registration number.Similarly a buyer could pay the seller to put the registration number on retention and never receive the V778 retention certificate as it would be posted out to the Grantee .
Under the new Bill the applicant ( registered keeper ) will be able to nominate a third party to be the Grantee on the V778/1 thereby giving full rights to the buyer including the most important fact that the DVLA will correspond only with them regarding that registration number.Note that registration numbers already on retention will not be able to transferred in this way purely new applications for registrations still on vehicles. Nevertheless this greatly improves the security of the scheme and cuts out a possible fraud situation.
Members of the public wishing to sell their private number plate would now be best advised to keep it on their vehicle until a buyer is found so they can take advantage of this new legislation , especially if they think they may be selling to a cherished number dealer.If they sell the number to someone who wished to put it straight onto a car ,they can still change the nominee to the buyer’s name and the number can quickly be assigned to a vehicle , however if the purchaser wants to keep the number on retention he will be exposed to the potential problems which the old system has always suffered in that he can only assign it to a car regsitered in the Nominee’s name , he cannot extend the certificate, he can’t change the Nominee and the DVLA will not correspond with him.
It is considered a great success that the CNDA has been successful in having a Private Members Bill passed through Parliament with the help of Richard Ottaway MP.
Tuesday, February 2, 2010
The Vintage Mercury-Lincoln Cougar - A Nascar Legend
Many have thought of the Mercury Cougar a simply nothing more than a luxo-bloated version of a Ford Thunderbird. It may well surprise many Ford, Mercury as well as Ford Mustang and Mercury Cougar enthusiasts that 35 years ago that the Cougar “Pony” Car was kicking butt on the Trans-Am circuit.
In its origins, the Cougar was an idea that Lincoln-Mercury had been tossing around, for some time, with the idea of a smaller sporty car. As early as February 1963 this idea of a smaller as well as sporty Lincoln-Mercury vehicle, to be introduced to the North American market, came to emerge within the corporate head office, marketing and design staff.
The success of the Ford Mustang was all that was needed to put the wheels in motion. Indeed the famous marketing reference in regards to the product market popularity and sales of the Ford Mustang ‘Pony” Car was a sign in a donut shop that “Or donuts sell as fast as Mustangs”. Nothing drives the automobile industry more than the potential and promise of fast car sales figures. It is noteworthy that even the name of the vehicle product “Cougar” can be said to be family line generated. After the name Cougar is not only six letters but is another member of a line of fast creatures. Both the names of Mustang and Cougar evoke an image of sleekness and fast speed as well as agility.
Built on a 111 inch wheelbase, the Cougar was three inches and half inches shorter than its cousin – the Thunderbird. Underneath the elegant sheetmetal of the Cougar was a Mustang, so to speak. In actuality the Cougar shared with its cousins – the sporty Mustang, and the more dour family vehicle - the Ford Falcon (which was also known in the Canadian market as the Ford Frontenac product. The Ford Mustang had the greatest fortune of being born from the Ford Falcon product line. Mustang enthusiasts owe a great debt of gratitude to a so called compact “Family” car. The Ford Falcon allowed both the Mustang car project as well as the Cougar car product a quick to develop, cheap to produce as well as a proven and durable base platform. Even the dash of the early Mustangs was a direct copy of the Falcons.
Underneath all of the glitter of its elegant sheet metal the Cougar car was all Mustang, using the exact same Falcon front suspension and a solid rear axle with four-leaf springs. A base 289 cubic inch V-8 made 200 bhp (gross), but the real action came in the guise of a 390 cubic inch V-8 that made 320 bhp. A GT option included a performance handling package and power disc brakes that replaced more standard front brake drums. Finally special GT wheels rounded out the package.
It has been said that Lincoln Mercury’s chief designer had envisioned the Cougar as an elegant European sports car, along the lines of the Jaguar Mark 2. How was it that the Cougar went racing?
In 1967 Lincoln Mercury turned to Bud Moore to be the point man for a shot at the SCCA Trans-Am Championship. Team Cougar made up of drivers, Dan Gurney, Parnelli Jones, Formula 1 driver Peter Revson and NASCAR driver Dave Pearson came in second in Ford Mustang’s team. In 1968 then under the aegis of Moore, driver DeWayne “Tiny” Lund went on to capture the NASCAR Grand Touring Championship.
So where and how did the Cougar go wrong. It seemed that Lincoln-Mercury was never quite sure on how to market the Cougar. This lack of market focus, as well as not knowing and perceiving the needs and desires of the potential Cougar customer market proved to be the Cougar’s undoing. By the 1969 product introduction the Cougar was a little longer and a little wider. From then on it was only a short decent into landau roofs as well as the opera window type styling and options of the day. Once started this downward trend and spiral of the Cougar was inevitable. The halcyon years of the early Cougar - specifically the early Cougar model years of 1967 – 70 remain a time when the Cougar’s roar boomed out of dual exhausts and the sign of a car that had some bite to it.
In its origins, the Cougar was an idea that Lincoln-Mercury had been tossing around, for some time, with the idea of a smaller sporty car. As early as February 1963 this idea of a smaller as well as sporty Lincoln-Mercury vehicle, to be introduced to the North American market, came to emerge within the corporate head office, marketing and design staff.
The success of the Ford Mustang was all that was needed to put the wheels in motion. Indeed the famous marketing reference in regards to the product market popularity and sales of the Ford Mustang ‘Pony” Car was a sign in a donut shop that “Or donuts sell as fast as Mustangs”. Nothing drives the automobile industry more than the potential and promise of fast car sales figures. It is noteworthy that even the name of the vehicle product “Cougar” can be said to be family line generated. After the name Cougar is not only six letters but is another member of a line of fast creatures. Both the names of Mustang and Cougar evoke an image of sleekness and fast speed as well as agility.
Built on a 111 inch wheelbase, the Cougar was three inches and half inches shorter than its cousin – the Thunderbird. Underneath the elegant sheetmetal of the Cougar was a Mustang, so to speak. In actuality the Cougar shared with its cousins – the sporty Mustang, and the more dour family vehicle - the Ford Falcon (which was also known in the Canadian market as the Ford Frontenac product. The Ford Mustang had the greatest fortune of being born from the Ford Falcon product line. Mustang enthusiasts owe a great debt of gratitude to a so called compact “Family” car. The Ford Falcon allowed both the Mustang car project as well as the Cougar car product a quick to develop, cheap to produce as well as a proven and durable base platform. Even the dash of the early Mustangs was a direct copy of the Falcons.
Underneath all of the glitter of its elegant sheet metal the Cougar car was all Mustang, using the exact same Falcon front suspension and a solid rear axle with four-leaf springs. A base 289 cubic inch V-8 made 200 bhp (gross), but the real action came in the guise of a 390 cubic inch V-8 that made 320 bhp. A GT option included a performance handling package and power disc brakes that replaced more standard front brake drums. Finally special GT wheels rounded out the package.
It has been said that Lincoln Mercury’s chief designer had envisioned the Cougar as an elegant European sports car, along the lines of the Jaguar Mark 2. How was it that the Cougar went racing?
In 1967 Lincoln Mercury turned to Bud Moore to be the point man for a shot at the SCCA Trans-Am Championship. Team Cougar made up of drivers, Dan Gurney, Parnelli Jones, Formula 1 driver Peter Revson and NASCAR driver Dave Pearson came in second in Ford Mustang’s team. In 1968 then under the aegis of Moore, driver DeWayne “Tiny” Lund went on to capture the NASCAR Grand Touring Championship.
So where and how did the Cougar go wrong. It seemed that Lincoln-Mercury was never quite sure on how to market the Cougar. This lack of market focus, as well as not knowing and perceiving the needs and desires of the potential Cougar customer market proved to be the Cougar’s undoing. By the 1969 product introduction the Cougar was a little longer and a little wider. From then on it was only a short decent into landau roofs as well as the opera window type styling and options of the day. Once started this downward trend and spiral of the Cougar was inevitable. The halcyon years of the early Cougar - specifically the early Cougar model years of 1967 – 70 remain a time when the Cougar’s roar boomed out of dual exhausts and the sign of a car that had some bite to it.
There Are Many Atv Accessories To Choose From
As with any other 'toy', you can buy a wide variety of different ATV accessories. Some are made to make your adventures more fun, some are for convenience, and some are for functionality. You can find these accessories at a variety of places, and their price ranges vary.
Common ATV accessories include storage devices, clothing, and bags of all kinds. There are several storage boxes out there to choose from. You can get storage boxes that attach to the front or the back of your ATV. There are also coolers that can be attached to keep drinks or lunch cool on those longer trips. Trunks are available and can be attached to the back of your ATV. If you are planning a long trip, you can also use a fuel storage device. A regular size storage container will hold two one-gallon fuel tanks and have a space for regular storage in between. Storage is also available in the form of new seats.
If you are looking for more convenience, you can install bottle holders or fender bags. Either of these ATV accessories makes it much easier to grab a drink while you are taking a break. It keeps what you need within reach so you don’t have to dismount the ATV.
ATV clothing is designed for safety and functionality. Whether it is a helmet, gloves that protect your hands from stress and cold, or camouflage clothes to help you blend in with your surroundings, the clothes that you choose can make all the difference. You will want to find ATV accessories that protect your head, hands, and feet primarily. If you are purchasing ATV clothing for your child, you may have to purchase additional items to help keep them safer.
So, where can you find these accessories? You can find them at your local dealer, specialty shops, or you can find them online. No matter which you use to find your ATV accessories, be sure to purchase from a reputable source. If you are going to purchase accessories online, make sure that you use good Internet purchasing decisions. Know who you are buying from. Know their return policies. Know their reputation. You can find good deals on the Internet, but you may be able to find good deals locally also. Ask your friends. Find out who they purchase their accessories from.
Does brand matter – do you have to buy the most expensive stuff? What is most important is that the company uses quality materials and has good production. You want strong accessories that are going to serve you well. You don’t want to buy something cheap, that’s well, cheap! The best buy is not always the most expensive or the least expensive. Do your homework and find out which option suits you best.
This is just a small sample of what is out there and what you can find. There are accessories out there ranging from windshields to camouflage tires. The ATV accessories you are looking for, and some you probably never knew existed, are out there just waiting for you.
Common ATV accessories include storage devices, clothing, and bags of all kinds. There are several storage boxes out there to choose from. You can get storage boxes that attach to the front or the back of your ATV. There are also coolers that can be attached to keep drinks or lunch cool on those longer trips. Trunks are available and can be attached to the back of your ATV. If you are planning a long trip, you can also use a fuel storage device. A regular size storage container will hold two one-gallon fuel tanks and have a space for regular storage in between. Storage is also available in the form of new seats.
If you are looking for more convenience, you can install bottle holders or fender bags. Either of these ATV accessories makes it much easier to grab a drink while you are taking a break. It keeps what you need within reach so you don’t have to dismount the ATV.
ATV clothing is designed for safety and functionality. Whether it is a helmet, gloves that protect your hands from stress and cold, or camouflage clothes to help you blend in with your surroundings, the clothes that you choose can make all the difference. You will want to find ATV accessories that protect your head, hands, and feet primarily. If you are purchasing ATV clothing for your child, you may have to purchase additional items to help keep them safer.
So, where can you find these accessories? You can find them at your local dealer, specialty shops, or you can find them online. No matter which you use to find your ATV accessories, be sure to purchase from a reputable source. If you are going to purchase accessories online, make sure that you use good Internet purchasing decisions. Know who you are buying from. Know their return policies. Know their reputation. You can find good deals on the Internet, but you may be able to find good deals locally also. Ask your friends. Find out who they purchase their accessories from.
Does brand matter – do you have to buy the most expensive stuff? What is most important is that the company uses quality materials and has good production. You want strong accessories that are going to serve you well. You don’t want to buy something cheap, that’s well, cheap! The best buy is not always the most expensive or the least expensive. Do your homework and find out which option suits you best.
This is just a small sample of what is out there and what you can find. There are accessories out there ranging from windshields to camouflage tires. The ATV accessories you are looking for, and some you probably never knew existed, are out there just waiting for you.
There Are Thousands Of Used Tractors To Choose From At Mascus Online
The world's largest dealer sales forecourt is open for business
You can buy anything online these days - and that includes used tractors. More and more companies in construction and agriculture are turning to the Internet to source anything from tractors and lawnmowers to excavators and harvesters. "The Net is the world's largest depot forecourt," says Robert Tate, UK and Ireland Regional Manager of Mascus, an online marketplace for used equipment.
Resistance to change always takes time to overcome. Customers still to want to kick the tires and cast a critical eye over the engine before making a significant investment in something like a tractor. According to Robert, their fears are unfounded. "The Internet is built on trust and transparency, the more honest information the seller provides, the more likely a buyer is to make an enquiry. The next time they will buy without viewing!"
Robert believes that buying a tractor on the Internet is little different to handing over cash in person, but with the added advantage of vast choice. "The common misconception people have before they go online is that they will have to make a blind purchase. This is simply not true," Robert argues. "Sellers can post up to six images on our site, as well as specs and their own comments. If potential buyers don't like what they see, there are plenty of other tractors to choose from." This is the key to the success of online marketplaces.
Mascus currently list over 2000 used tractors from all over Europe on its website, from those under 40 horsepower to heavyweights exceeding 200hp. All the major brands are there, including John Deere, New Holland, Case IH, Massey Ferguson and Ford. "It only takes a couple of clicks to find exactly what you are looking for," Rob says.
An online marketplace like Mascus.com is also perfect for anyone selling a used tractor. "Setting up a want ad to reach thousands of buyers across Europe is quick and easy," he says. "The market for used tractors and agricultural machinery is growing fast - particularly in Eastern Europe, where EU farming grants specify that old equipment is updated. Back load transport is cheap, so taking advantage of great deals in other countries makes sense."
Mascus, founded in Finland, is expanding quickly, too. The site is currently available in 17 languages and currencies. Rob and his colleagues at Mascus know that bringing buyers and sellers together on line makes sense for everyone involved: "The market for used machinery is huge. Thanks to the Internet, everyone's a winner."
You can buy anything online these days - and that includes used tractors. More and more companies in construction and agriculture are turning to the Internet to source anything from tractors and lawnmowers to excavators and harvesters. "The Net is the world's largest depot forecourt," says Robert Tate, UK and Ireland Regional Manager of Mascus, an online marketplace for used equipment.
Resistance to change always takes time to overcome. Customers still to want to kick the tires and cast a critical eye over the engine before making a significant investment in something like a tractor. According to Robert, their fears are unfounded. "The Internet is built on trust and transparency, the more honest information the seller provides, the more likely a buyer is to make an enquiry. The next time they will buy without viewing!"
Robert believes that buying a tractor on the Internet is little different to handing over cash in person, but with the added advantage of vast choice. "The common misconception people have before they go online is that they will have to make a blind purchase. This is simply not true," Robert argues. "Sellers can post up to six images on our site, as well as specs and their own comments. If potential buyers don't like what they see, there are plenty of other tractors to choose from." This is the key to the success of online marketplaces.
Mascus currently list over 2000 used tractors from all over Europe on its website, from those under 40 horsepower to heavyweights exceeding 200hp. All the major brands are there, including John Deere, New Holland, Case IH, Massey Ferguson and Ford. "It only takes a couple of clicks to find exactly what you are looking for," Rob says.
An online marketplace like Mascus.com is also perfect for anyone selling a used tractor. "Setting up a want ad to reach thousands of buyers across Europe is quick and easy," he says. "The market for used tractors and agricultural machinery is growing fast - particularly in Eastern Europe, where EU farming grants specify that old equipment is updated. Back load transport is cheap, so taking advantage of great deals in other countries makes sense."
Mascus, founded in Finland, is expanding quickly, too. The site is currently available in 17 languages and currencies. Rob and his colleagues at Mascus know that bringing buyers and sellers together on line makes sense for everyone involved: "The market for used machinery is huge. Thanks to the Internet, everyone's a winner."
Things To Avoid Before Buying A Car
Nowadays, hundreds of articles advice people on what to look for before purchasing a new vehicle. But, very few articles advice a prospective car owner on what things he or she should avoid doing.
- Never enter a negotiation zone unprepared
Even if you know nothing about cars -or negotiation for that matter- it is in your best interest to enter the "negotiation arena" well-prepared and "armed." Collect as much information as possible from a variety of sources and take a mechanical savvy friend along to the dealership of your choice. It is always a good idea to be able to inspect the car at the point of purchase; much better staying a bit longer at the dealership than having to call later only to learn that "this model has always experienced similar mechanical problems and you have not purchased any service-guarantee." Do not enter the field as an amateur; especially if you are one. Compare cars and prices, decide on the maximum available budget and stay within your price range, secure your finances beforehand and never accept whatever the price-tag says. There is always room for negotiating a better deal, even if that is in a form of a rebate or a 5-year mechanical service!
- Research is not enough for your set of car keys
You can get online, you can ask around, you struggle with the information you will be able easily to retrieve for days. But that in many cases means you are left exhausted, confused and as time passes by, possible in despair. Overwhelming yourself with a plethora of data will not do you any good. Just stop to think things through before you act. No dealer will hold a gun to your head, at least not literally, since they need you more than you need them. It is the law of supply and demand they bow to, as any good salesman, which means that at this point in time you are in control. Enjoy it and never go to a dealership unprepared or simply showing that you are unsure of your final choice. There is enough "drama" in your life at the moment; you certainly not need any additional source of anxiety. Relax, take a couple of deep breaths, keep your car possible choices under the golden number two and enter the dealerships with confidence. Exactly like window shopping. You are not buying -yet- you are just looking! Ask questions, get quotes, request price offers, ask for any extra cost that might not appear on the price-tag and make clear that you are visiting other places before you conclude. You should never give the impression that you desperately need to buy the specific car you have been asking about for the last hour. Dealers are salespeople and can "smell" need and desire, miles away. Give yourself some time to see, test-drive and inspect the car(s). Even if the dealer promises you what it might seem as an incredible deal, leave the car dealership without signing any papers or leaving a down-payment; especially if that is your first day looking. Have courage and patience -attitude here is the key- and you will conquer your goal sooner than expected. That's the spirit you should have.
- Never enter a negotiation zone unprepared
Even if you know nothing about cars -or negotiation for that matter- it is in your best interest to enter the "negotiation arena" well-prepared and "armed." Collect as much information as possible from a variety of sources and take a mechanical savvy friend along to the dealership of your choice. It is always a good idea to be able to inspect the car at the point of purchase; much better staying a bit longer at the dealership than having to call later only to learn that "this model has always experienced similar mechanical problems and you have not purchased any service-guarantee." Do not enter the field as an amateur; especially if you are one. Compare cars and prices, decide on the maximum available budget and stay within your price range, secure your finances beforehand and never accept whatever the price-tag says. There is always room for negotiating a better deal, even if that is in a form of a rebate or a 5-year mechanical service!
- Research is not enough for your set of car keys
You can get online, you can ask around, you struggle with the information you will be able easily to retrieve for days. But that in many cases means you are left exhausted, confused and as time passes by, possible in despair. Overwhelming yourself with a plethora of data will not do you any good. Just stop to think things through before you act. No dealer will hold a gun to your head, at least not literally, since they need you more than you need them. It is the law of supply and demand they bow to, as any good salesman, which means that at this point in time you are in control. Enjoy it and never go to a dealership unprepared or simply showing that you are unsure of your final choice. There is enough "drama" in your life at the moment; you certainly not need any additional source of anxiety. Relax, take a couple of deep breaths, keep your car possible choices under the golden number two and enter the dealerships with confidence. Exactly like window shopping. You are not buying -yet- you are just looking! Ask questions, get quotes, request price offers, ask for any extra cost that might not appear on the price-tag and make clear that you are visiting other places before you conclude. You should never give the impression that you desperately need to buy the specific car you have been asking about for the last hour. Dealers are salespeople and can "smell" need and desire, miles away. Give yourself some time to see, test-drive and inspect the car(s). Even if the dealer promises you what it might seem as an incredible deal, leave the car dealership without signing any papers or leaving a down-payment; especially if that is your first day looking. Have courage and patience -attitude here is the key- and you will conquer your goal sooner than expected. That's the spirit you should have.
Things To Consider When Choosing Car Rental Service Providers
Car rentals are used by many people for different reasons. Usually, people need car rentals for a replacement vehicle for a short period of time. As such, people don’t actually rent cars on a regular basis and are thus ignorant of the ins and outs of car rentals.
There is basically no need of having any personal auto insurance when renting a car. However, car rental services usually ask if you are interested in buying insurance for the period of the car rental. But if you already have your own insurance policy, confirm with your agent to see if you are covered for car rentals. If you have coverage, there is no need of buying another policy from the car rental company.
It is of course necessary to have a valid driver’s license if you intend to rent a car. If you don’t have a valid driver’s license, you cannot rent a car. There are also some companies that reserve your car with a major credit card while you can pay with cash if preferred. Another point to remember when approaching car rental services is that they will not rent any car to a driver under the age of 25. So if you are underage, you will have to have an older friend or relative to sign the contract on your behalf.
Of course, don’t forget to confirm their rates to know if you are charged hourly, daily, weekly or on a monthly basis. It is always a good option to look around and compare several car rental service providers, to find out the best deal and rent the right car. When picking the car, make sure that you have your personal paperwork and auto policy with you. Make sure you read the contract, and clear any doubts before signing the contract.
There is basically no need of having any personal auto insurance when renting a car. However, car rental services usually ask if you are interested in buying insurance for the period of the car rental. But if you already have your own insurance policy, confirm with your agent to see if you are covered for car rentals. If you have coverage, there is no need of buying another policy from the car rental company.
It is of course necessary to have a valid driver’s license if you intend to rent a car. If you don’t have a valid driver’s license, you cannot rent a car. There are also some companies that reserve your car with a major credit card while you can pay with cash if preferred. Another point to remember when approaching car rental services is that they will not rent any car to a driver under the age of 25. So if you are underage, you will have to have an older friend or relative to sign the contract on your behalf.
Of course, don’t forget to confirm their rates to know if you are charged hourly, daily, weekly or on a monthly basis. It is always a good option to look around and compare several car rental service providers, to find out the best deal and rent the right car. When picking the car, make sure that you have your personal paperwork and auto policy with you. Make sure you read the contract, and clear any doubts before signing the contract.
Monday, February 1, 2010
Things To Know About The Auto Insurance Company
If you have an auto insurance company and you miss a payment you might think it is okay. Companies usually have a grace period, but this depends on the specific company and the guidelines they follow. You receive a cancellation and termination clause with your insurance policy. The auto insurance company has the right to cancel your car insurance at any time for many reasons including failure to comply with payment schedules.
Some states have a no fault car insurance clause. An auto insurance company in these states has to abide by the laws of the state and provide this service when determining your percentage of fault in the event of an accident. The accident might go like this, you would be ten percent at fault for being there and the other driver would be ninety percent at fault for causing the accident. The car insurance company pays for your damages no matter who is at fault.
An auto insurance company gives forms called SR-22 for drivers who need liability insurance to have a suspended or revoked driver’s license reinstated. This requirement usually comes with the car insurance company notifying the state if you cancel, forget to pay or terminated. Not all companies supply SR-22 forms so you may need to find an auto insurance company that provides this service. You are considered high-risk and they do not work with this type of liability.
You have an accident and the car is totaled. The auto insurance company takes two steps to determine how to pay for the damage. They take the value of the car and the amount it cost to fix the damage, if the cost to repair the vehicle costs more than the blue book value the car insurance company will total the car and pay you the value of the car. This might not be what you think the car is worth, but that is all they will pay.
Who is covered to drive your car and will the car insurance companies pay for the damage caused by an accident? If you loan your car to someone your insurance will cover him or her if an accident occurs. If your spouse, child or foster child drives your car, the policy will cover any accident damage. An auto insurance company may have special conditions regarding this coverage and you need to find out just how your insurance company covers the damages. For more info see http://www.autocarinsurancehelp.org/Classic_Car_Insurance on commercial car insurance.
As you see, there are so many different facts about car insurance that most people do not even realize. If you have a question no matter how menial it seems, you should ask your auto insurance company. Practice good driving and ask questions when necessary.
Online car insurance with cheap car insurance rates requires looking around the internet until you find the right company instead of the time-consuming phone calls and personal interviews that result in a waste of time. Therefore, check out the companies online before talking to an agent to save time. Your time will be well spent online than driving or calling individual companies.
Some states have a no fault car insurance clause. An auto insurance company in these states has to abide by the laws of the state and provide this service when determining your percentage of fault in the event of an accident. The accident might go like this, you would be ten percent at fault for being there and the other driver would be ninety percent at fault for causing the accident. The car insurance company pays for your damages no matter who is at fault.
An auto insurance company gives forms called SR-22 for drivers who need liability insurance to have a suspended or revoked driver’s license reinstated. This requirement usually comes with the car insurance company notifying the state if you cancel, forget to pay or terminated. Not all companies supply SR-22 forms so you may need to find an auto insurance company that provides this service. You are considered high-risk and they do not work with this type of liability.
You have an accident and the car is totaled. The auto insurance company takes two steps to determine how to pay for the damage. They take the value of the car and the amount it cost to fix the damage, if the cost to repair the vehicle costs more than the blue book value the car insurance company will total the car and pay you the value of the car. This might not be what you think the car is worth, but that is all they will pay.
Who is covered to drive your car and will the car insurance companies pay for the damage caused by an accident? If you loan your car to someone your insurance will cover him or her if an accident occurs. If your spouse, child or foster child drives your car, the policy will cover any accident damage. An auto insurance company may have special conditions regarding this coverage and you need to find out just how your insurance company covers the damages. For more info see http://www.autocarinsurancehelp.org/Classic_Car_Insurance on commercial car insurance.
As you see, there are so many different facts about car insurance that most people do not even realize. If you have a question no matter how menial it seems, you should ask your auto insurance company. Practice good driving and ask questions when necessary.
Online car insurance with cheap car insurance rates requires looking around the internet until you find the right company instead of the time-consuming phone calls and personal interviews that result in a waste of time. Therefore, check out the companies online before talking to an agent to save time. Your time will be well spent online than driving or calling individual companies.
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