My Car Insurance Life |

LinaNina08 asked:

A quick recap of my car accidents over the last four years. Had to edit out 10 minutes of me talking, so some stuff is not included. Tweet tweet: www.twitter.com/linanina08

64alpha2 asked:

OMG ………………..

BrickHouseSecurity asked:

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hawkeyefreddy asked:

I thought to take a camera while driving in and after some storms in Iowa. There is never a shortage of idiots when it comes to winter driving.

Gerry B asked:


You’ve decided to learn how to convert gasoline to electric car of your own. It’s not that difficult of a project either. You just need to follow these simple steps-

·        Find a vehicle (any vehicle will work)

·        Get detailed plans on how to convert gasoline to electric car

·        Obtain deep cycle batteries and a large DC motor for power

·        Various parts and accessories

 

The nice part of this whole process is that you don’t need any special tools to do the conversion. Regular tools found in any home work shop will work. You will need a garage or shop to work in although you can do the conversion outside in your laneway if you have to.

After doing 3 conversions according to the plans we would suggest you locate a good helper as well. At times having a second set of hands is a good idea.

Learning how to convert gasoline to electric car is really about matching your DC motor used to power the car with the available battery supply.

In order to achieve the desired range between charges of over 200 miles you will need about 20 deep cycle batteries. You can even find free batteries and free DC motors that will work great for your electric car conversion if you follow the detailed plans carefully.

The DC motors are large and heavy but easily last the lifetime of your electric car, and possibly a second installation as well.

Try and find the lightest small car or truck that you can find for the conversion. This will insure good range between charges.

What we were really amazed at was the acceleration and speed of our new electric car. This is not a slow electric golf cart you are building. It is quick, responsive and smooth.

At stop lights you will be able to keep up with any vehicle off the line.

Although most Electric cars are designed for in town, you will find that you can travel easily at 50 mph on the highway too.

The whole process of learning how to convert gasoline to electric car takes about 2 weeks or so to complete depending on your abilities and persistence.

That’s not bad, considering you will not have to stop at a gas station ever again.

Did you know that gas prices are expected to top $7 per gallon next year?

Isn’t it time you did your own electric car conversion? Let’s get started.

Learn How To Convert Gasoline To Electric Car is the best place to start to learn all there is to know about doing this yourself, and producing renewable energy to power your car, it’s easy to figure out how to convert gasoline to electric car for yourself.

To learn more visit this site and click on the link CONVERT2EV .

Dan Bodrero asked:


Now that you have your own set of wheels, customized with the latest sound system, hydraulics, and sheepskin seat covers, it is high time that you pick the best car insurance policy for it. However, choosing the perfect insurance policy for your car can be tricky, especially with the ever increasing number of auto insurance companies parading their great deals and good standing in the driving community.

When choosing an auto insurance policy for your car or truck, it is wise that you investigate first and check what each company has to bring on the table and see if it fits with the liability coverage you want, from windshields to accident damage repair, to car replacement.

Your liability coverage should depend on where you frequently park your truck or car and how you are going to use it. The less risky your driving conditions are, the less an insurance company is going to charge you. Also keep in mind that in environments where heavy traffic and vehicular accidents are the norm, it is best that you include collision as part of your liability coverage. It would be more costly, but at least you’ll get yourself covered.

If you are a student, aim for higher grades and a clean traffic record. Most of today’s auto insurance companies offer discount for “good student” drivers. That said, student drivers living in a high-risk traffic atmosphere are likely to get charged with high rates, even if they are driving older model vehicles.

Now that you have a grasp of what your liability coverage should include, the next thing to do is to get that truck of yours insured.  Make sure that you shop for the right auto insurance policy maker. While there are many cheap options available, affordability in this industry does not necessarily entail quality.

Begin by making a list of the insurance companies in your area and start checking them one by one. The important things to note down are: 1) how long have they been doing business (thus giving you a picture of their financial strength), and 2) what others are saying about them.

Another thing to consider when getting a car insurance policy is the price of the car — engine, frame, car seat covers, and all. The more expensive the car is, the higher the insurance rate. Expensive cars also entail big costs on maintenance and repairs, such as costly fuel prices, an important element in the equation.

Of course, there are some instances that are not covered by auto insurance policies. Listed below are some of those instances:

•    Mechanical, structural or electrical failure

•    Downgrading, wear and tear, and rust

•    Costs  of repairing defective or worn out tires (although other damage from any resulting accident will be covered)

•    Wages lost because you cannot use your car

•    Customizations made on the car that deviate from the specifications of the manufacturers

Also, most policies do not include car loss or damage if you drove your car in unsafe conditions, such as lightning storms, when you knew or should have reasonably known that it was unsafe to drive.

Ally Marten asked:


So, you think you would like to buy an electric car?  Maybe, you’ve seen lots of stories in the press about electric car technology being the way forward, or you want to reduce your environmental footprint, or perhaps you just want something a little different and think they look cool.  Across the world in recent years, major advances have been made with electric cars, however what does this mean for someone wanting to buy one, particularly if you are based in the UK.  What should a new electric car buyer consider?

At a basic level, buying an electric car is extremely similar to buying a standard petrol or diesel car.  The same basic isses apply and you want to think about:

What will you primarily be using the car for?  This impacts on everything. Do you need to carry lots of passengers or kit, think size, number of seats, storage space? How far and at what speeds do you regularly drive? Will you need to be able to park it near work? How will you charge it?

 

Electric Car Performance

The performance (speed, distance, charging time etc) of electric cars varies considerably.  In general, the better performing the car the more expensive they are e.g. the Tesla Roadster - great performance but a serious price tag too (you won’t get much change from £100,000 to buy one in the the UK!!).  However, manufacturers are beginning to offer a range of vehicles from the 2 seater city runabout, to larger 4 and 5 seater saloons and MPVs, up to small commercial vans.  You can buy a new small electric car in the UK for under £10,000.  For those interested in cars specifically available in the UK and how they compare you can find a great electric car comparision tool here.

Current electric vehicles aren’t really ideal for that weekday 100 mile motorway commute (not yet!).  Electric cars are really a city option.  This is partly due to limits on maximum speeds (most topping out at around 50mph) but also the related issue of battery charging. 

Infrastructure for Electric Cars

Most electric cars can only go some 50 miles on one charge.  Cities are also where the infrastructure to support electric cars is concentrated.  In the UK, we are talking London first and foremost although there are some limited options for free electric car charging elsewhere in the UK e.g. Manchester, Bristol etc.   In many places electric cars also qualify for free parking and are exempt from things like congestion charges.

Following on from this is also the issue of servicing and maintaining your electric car.  This is going to be easiest in the big city where you purchased your car.  Hopefully, however some of these infrastructure restrictions will be lifted sooner rather than later.

Buying an Electric Car

Once you have decided what you need your electric car for and how you plan to use it you then want to:

Decide what you can afford Read reviews, compare prices and shop around. Speak to dealers - there are a number of retailers now based in London who will be keen for your business. Remember it is also possible to buy second hand.

 

Electric cars are not cheap to buy however they are cheap to run.  A slightly cheaper option though would be a second hand electric car.  Although, the second hand car market is extremely small there are some cars out there.  Just remember to look for a full service history, a warranty if possible and check the battery age (try and get the seller to put in a new battery to help sweeten the deal!)

 

Lastly, it is worth noting that the electric car market is not like the conventional car market, changes are more rapid. New (and better) electric car models are coming out every year, it may be worth waiting 12-24 months to get the right electric car for you. 

Bryce Stone asked:


Electric cars are hybrid cars that not only save people on fuel but are also environmental friendly as their emissions are lower compared to those from cars that use gasoline. Rebates in form of car tax incentives have been introduced in a bid to attract more users to the hybrid vehicles. Different states applaud their use and they have taken it upon themselves to paying their users. This is supposed to entice more people into switching from their regular cars to this energy saving and environment friendly ones. The rebates run under several programs according to different states. To conserve energy, there are people who are dedicated to ensuring that the energy is conserved in these cars and that their emissions are zero. To enhance the effectiveness of these cars, they have been fitted with sun and power point trackers that improve their general performance and efficiency.

Rebates come with conditions that regulate their functions. In the Federal Hybrid Rebates, electric car users must buy the cars for their own personal use. The car must be brand new at the time of the purchase and driven in the United States. This car must comply with the emission requirements of all states and federals. The rebates for these cars come in tax exemption of about 2000 dollars but this is subject to change. The rebate programs available vary from state to state and the model of the electric cars as well. The Colorado Hybrid Car Rebate users are given credit by the government to purchase vehicles for conversion to use alternative fuel. The condition is that this vehicle must be bought and registered under Colorado laws. The rebate requirements insist that the application to have the car converted must be made not later than 12 months after its purchase. The owner of the car must write to the leasing firm to authorize the rebate application. The car must be registered and titled in the State of Colorado.

The Maine Hybrid Car Rebate allows a credit of 500 dollars for cars like the Honda Insight and Toyota Prius which are without a vehicle model they are comparable to. For cars with a comparable model, a credit of 300 dollars is allowed. Such cars are like the hybrid Honda Civic which is gasoline powered and it is comparable to others. The Louisiana hybrid car rebate gives car owners a rebate of 20% of the cost of converting their cars into energy saving cars. They also give 20% to aid in the purchase of the car to be converted to use alternative energy. This arrangement only works for vehicles that are registered in Louisiana. The total credit given is calculated from the total cost of buying the car and conversion to a hybrid car. In New Mexico, car owners who wish to convert their cars are given exemption from paying motor vehicle taxes. The cars that qualify for this exemption are the ones whose engines can be heated by combustible fuel and they possess a device for energy storage. Due to increased demand for rebates, users are subjected to a basis of first come first serve.

Find the best deal on the auto insurance coverage you need.  Visit us today for money-saving tips and receive free quotes from respected insurance companies for the coverage you need.

David Halbert asked:


Millions of Car Accidents occur worldwide every year, and the fatalities due to these accidents are also in the millions. Most of the time, it is somehow the driver who is responsible for the accident.

According to a Traffic Report by the WHO, road accidents kill more than 1.2 million people annually, and around fifty million people get injured or disabled. These numbers are increasing with the passage of years. Out of over 1.2 million worldwide, 90% of the deaths are caused in the countries that have low or middle level incomes. Globally, more than half of the total accidents that occur are with drivers between the age of 15 and 44 years, and the drivers in more than 73% of cases are males.

In the UK, the number of accidents has considerably decreased in percentage over the past four or five years. Recent reports show that the road accidents have decreased by one to two percent since the year 2006.

According to an estimate, the number of accidents every year in the US is more than six million. These accidents injure millions, while thousands of people are killed. The number of people killed in car accidents in the US is thirteen times that killed in the UK. However, this difference is not very dramatic as the US is 40 times the size of UK.

In the EU, the country with the highest number of Car accidents and fatalities is Italy followed by Poland. The UK also has a relatively high rate as compared to other EU countries. Around ten thousand car accidents occur in the UK each day, and most of these are the result of a mistake on the driver’s part. Car accidents comprise more than 52% of the total accidents in the EU.

Out of the total accidents in the EU, 67% are in the urban areas and in 75% of the total accidents, the driver is male. Young drivers between age 18 and 25 are involved in more than 21% of the total accidents and fatalities. Research shows that most of the accidents occur due to reckless driving and intoxication. Other than this, there are large numbers of rollover accidents involving young adults and teenage drivers. The number of accidents due to intoxication is also increasing continuously. In the US, about 70 to 80 people die every day due to accidents related to alcohol.

In accidents in the EU and US, most the cars are insured, and Car Accident Compensation Claims can be made along with any Car Accident Injury claims. However, there are many countries where there is no insurance, and hence Car accident claims cannot be made. This is especially true for the low and medium income countries of Africa and Asia where accidents are in large percentages, and Car Accident Compensation Claims and Car Accident Injury Claims are not usually made.

David Halbert asked:


The number of Car Accident claims and Car Accident Injury Claims made to several insurance companies has always been on a large scale. Accidents in the thousands are caused all over the UK in a single day. Accidents can occur due to a fault in the car, but most of the accidents that take place are due to a mistake or negligence on the driver’s part.

The greatest cause of most accidents is recklessness by the driver. Recklessness usually cause roll over accidents, which are a major cause of fatalities. Accidents can also be caused due to intoxication or lack of driving experience. The use of drugs and alcohol by drivers can be very dangerous on the road. Age is also an important factor and is highly correlated with Car accidents. Research shows that accidents occur the most in young people between 15 and 20 years of age, and old people who are above 70. This is because of the lack of control over the vehicle and in case of young people, the lack of experience. Insurance companies specify the driver’s age and experience before providing insurance and they don’t entertain any Car Accident Compensation Claims if any of the conditions are violated.

Many accidents are caused due to the driver’s negligence, for example, not wearing a seatbelt. Other than this, most accidents are caused by the driver’s distraction. The most common of these is the driver talking to passengers and not paying full attention to the road. Other than that, being occupied with the radio or CD is also a distraction that causes accidents. Talking on the mobile or playing with any other gadget while driving really distracts drivers, and may result in an accident.

Rubbernecking is another major cause of Car Accidents. Rubbernecking refers to the act of quickly slowing down the car and paying attention to something outside (such as another accident). This can be very dangerous, and another car may run into yours. Tailgating is also a cause of many car accidents. Tailgating is when a driver follows another car at a very close distance. In such cases, it is very difficult to slow down or stop the car immediately and you may hit the car in front of yours. If insurance companies discover that an accident was caused by the driver’s own fault, they might not fulfil the Car Accident Claim.

Keeping all these causes in mind, many different road regulations have been introduced and following these rules is an obligation. Some of these are the use of seatbelts, prohibition on use of cell phones and other gadgets while driving, and age and speed limits on the road. These regulations have contributed to some extent in reducing the car accidents and their fatalities.