My Motor Bike

By: Jason Gadayan

Many people buy their own cars because it makes life easier. However, many also struggle with the costs that come with maintaining a car especially when it comes to making car insurance payments. Many car owners are continuously in search for better ways to lower their car insurance premiums. What most do is simply search for companies that provide cheap car insurance. However, what many do not know is that they can save so much more just by following a few simple tips.

For those who aim to save on car insurance payments, the first thing to do is make sure to shop around every so often. In fact, the reason why six-month car insurance polices are most preferred is that it allows car owners to switch and buy car insurance from other providers at the soonest possible time. This means that it is important to continuously survey the insurance market to search for the cheapest car insurance around. Some people find that it is most effective to check out rates for car insurance online while others learn about the cheapest services from their friends and family. No matter what your preferred method for getting car insurance quotes may be, the bottom line is to find the best car insurance to not only suit your lifestyle but your budget as well. Many people who make this a practice report savings of over $300 on policies valid for six months. This would translate to so much more in a span of one year.

Another thing to consider when trying lowering your car insurance payments is to take the option for higher deductibles. Many car owners feel afraid to do this because choosing higher deductibles means shelling out so much more money in case they get into a huge accident. However, the logic behind choosing higher deductibles is pretty sound. Obviously, higher deductibles mean lower premiums. Therefore, lower car insurance payments. Car owners should not worry too much about higher payments when a major accident happens because minor accidents happen more often than major ones and when it comes to minor damages, car owners will still pay the same amount.

Many motorists prefer paying for their premiums in monthly installments because it allows them to shell out a relatively smaller amount at a given time and budget their car insurance payments along with the rest of their monthly expenses. However, what they do not realize is that even the cheapest car insurance providers add on administrative fees for each payment. Even if the additional amount is only $7 or so, for people paying their premiums at monthly installments, this could easily add up to $84 which they could have saved over the period of that one year

Another useful tip to help you lower your car insurance payments is to also look around for companies providing multi-line insurance. This means that you purchase all your insurance from the same company. Most insurers offer huge discounts for this. However, many people still try to look for cheap providers for each type of insurance they need. What they do not realize is that getting their car insurance and home insurance from just one provider can easily translate to about 15% savings.

Furthermore, if you think of yourself as a good driver and no evidence to prove otherwise can be gathered, here’s a good tip for you: look for car insurance providers that can reward you with big discounts simply because of your driving. In fact, some states such as California have made it illegal for car insurance providers to disregard good driving discounts. So, if you have not gotten yourself into any car accidents or received tickets for at least the past three years, do some research or ask around. You may qualify for lower premiums.

Nowadays, a lot of insurance companies will base the prices of their car insurance policies on your credit history. If you have been diligent in building a solid credit standing, then you stand a good chance on getting lower car insurance quotes when you buy car insurance. Aside from making sure unpaid bills don’t pile up, keep your credit balance as low as possible and don’t acquire more credit than you need. Keep your records updated and make sure to correct any errors so your credit history remains accurate.

Many car insurance companies also offer discounts to people whose cars have safety features. Airbags, seatbelts, anti-lock braking systems and other factory-installed safety features on your car may help you find the cheapest car insurance you can get. Make sure you tell your insurer that you have such features installed on your vehicle when you get car insurance quotes.

Sometimes it pays to be diligent to the point of being anal. If you want the cheapest car insurance you can get, you should review your car insurance coverage to check for unnecessary expenses in it. If you’re not thorough you may be spending on additional coverage that you don’t need or already have. A perfect example would be towing services. Most, if not all, auto clubs provide such services yet this is part of most car insurance policies as well. So before you buy car insurance review the car insurance quotes you’ve gotten and eliminate all the unneeded expenses.

If you’re looking for cheap car insurance, look for insurers that give discounts to students and senior citizens. Some car insurance companies will offer discounts for students with good academic records and for drivers over the age of 50. Ask around or research on car insurance online, as well, if you have a college student in your family. Some insurers give discounts to parents with college-age children who go to school a certain distance away from home and don’t bring a car to their campus.

One last great tip to lower you car insurance payments is to use your car less. There are a lot of car insurance companies that will give you discounts if you keep the annual mileage on your vehicle low. So, evaluate how you use your car. If you make frequent short trips around town you might consider planning ahead and organizing all your errands so you can check all of it off your list in as few trips as possible.

One thing to remember though is that car insurance companies may differ in what they consider to be low annual mileage, so do your research. If you think you might be able to lower your mileage then get updated car insurance quotes.

Following just a few of these recommendations will surely help you lower your car insurance payments. Remember, it is not always about finding the cheapest car insurance provider. Most of the time, it is simply about knowing your options and weighing them to find the perfect car insurance strategy for you.

By: Jason Gadayan

Many people buy their own cars because it makes life easier. However, many also struggle with the costs that come with maintaining a car especially when it comes to making car insurance payments. Many car owners are continuously in search for better ways to lower their car insurance premiums. What most do is simply search for companies that provide cheap car insurance. However, what many do not know is that they can save so much more just by following a few simple tips.

For those who aim to save on car insurance payments, the first thing to do is make sure to shop around every so often. In fact, the reason why six-month car insurance polices are most preferred is that it allows car owners to switch and buy car insurance from other providers at the soonest possible time. This means that it is important to continuously survey the insurance market to search for the cheapest car insurance around. Some people find that it is most effective to check out rates for car insurance online while others learn about the cheapest services from their friends and family. No matter what your preferred method for getting car insurance quotes may be, the bottom line is to find the best car insurance to not only suit your lifestyle but your budget as well. Many people who make this a practice report savings of over $300 on policies valid for six months. This would translate to so much more in a span of one year.

Another thing to consider when trying lowering your car insurance payments is to take the option for higher deductibles. Many car owners feel afraid to do this because choosing higher deductibles means shelling out so much more money in case they get into a huge accident. However, the logic behind choosing higher deductibles is pretty sound. Obviously, higher deductibles mean lower premiums. Therefore, lower car insurance payments. Car owners should not worry too much about higher payments when a major accident happens because minor accidents happen more often than major ones and when it comes to minor damages, car owners will still pay the same amount.

Many motorists prefer paying for their premiums in monthly installments because it allows them to shell out a relatively smaller amount at a given time and budget their car insurance payments along with the rest of their monthly expenses. However, what they do not realize is that even the cheapest car insurance providers add on administrative fees for each payment. Even if the additional amount is only $7 or so, for people paying their premiums at monthly installments, this could easily add up to $84 which they could have saved over the period of that one year

Another useful tip to help you lower your car insurance payments is to also look around for companies providing multi-line insurance. This means that you purchase all your insurance from the same company. Most insurers offer huge discounts for this. However, many people still try to look for cheap providers for each type of insurance they need. What they do not realize is that getting their car insurance and home insurance from just one provider can easily translate to about 15% savings.

Furthermore, if you think of yourself as a good driver and no evidence to prove otherwise can be gathered, here’s a good tip for you: look for car insurance providers that can reward you with big discounts simply because of your driving. In fact, some states such as California have made it illegal for car insurance providers to disregard good driving discounts. So, if you have not gotten yourself into any car accidents or received tickets for at least the past three years, do some research or ask around. You may qualify for lower premiums.

Nowadays, a lot of insurance companies will base the prices of their car insurance policies on your credit history. If you have been diligent in building a solid credit standing, then you stand a good chance on getting lower car insurance quotes when you buy car insurance. Aside from making sure unpaid bills don’t pile up, keep your credit balance as low as possible and don’t acquire more credit than you need. Keep your records updated and make sure to correct any errors so your credit history remains accurate.

Many car insurance companies also offer discounts to people whose cars have safety features. Airbags, seatbelts, anti-lock braking systems and other factory-installed safety features on your car may help you find the cheapest car insurance you can get. Make sure you tell your insurer that you have such features installed on your vehicle when you get car insurance quotes.

Sometimes it pays to be diligent to the point of being anal. If you want the cheapest car insurance you can get, you should review your car insurance coverage to check for unnecessary expenses in it. If you’re not thorough you may be spending on additional coverage that you don’t need or already have. A perfect example would be towing services. Most, if not all, auto clubs provide such services yet this is part of most car insurance policies as well. So before you buy car insurance review the car insurance quotes you’ve gotten and eliminate all the unneeded expenses.

If you’re looking for cheap car insurance, look for insurers that give discounts to students and senior citizens. Some car insurance companies will offer discounts for students with good academic records and for drivers over the age of 50. Ask around or research on car insurance online, as well, if you have a college student in your family. Some insurers give discounts to parents with college-age children who go to school a certain distance away from home and don’t bring a car to their campus.

One last great tip to lower you car insurance payments is to use your car less. There are a lot of car insurance companies that will give you discounts if you keep the annual mileage on your vehicle low. So, evaluate how you use your car. If you make frequent short trips around town you might consider planning ahead and organizing all your errands so you can check all of it off your list in as few trips as possible.

One thing to remember though is that car insurance companies may differ in what they consider to be low annual mileage, so do your research. If you think you might be able to lower your mileage then get updated car insurance quotes.

Following just a few of these recommendations will surely help you lower your car insurance payments. Remember, it is not always about finding the cheapest car insurance provider. Most of the time, it is simply about knowing your options and weighing them to find the perfect car insurance strategy for you.

auto insurance safe



1.Shop around







The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. Insurance companies arrive at a price for your Car Insurance



by adding or discounting money after each answer you give to the questions they ask you. Each company has its own rules as to what they consider should increase or decrease your premium. By shopping around you get a better list of prices to compare.



2.Buy a lower group car



One of the important factors that insurance companies take into account is of course your vehicle. There are thousands of different cars on the road so companies divide them up into groups. Most companies will adopt the ABI (Association of British Insurers) group rating. This splits up vehicles into 20 different groups. Generally speaking the higher the group rating for your vehicle, the higher your premium will be. Some companies may also combine your driving experience with the vehicle group to get a better idea of how high the risk is. This is one of the reasons why young drivers should consider buying a lower group car if they want to lower their insurance cost.



3.Consider Third Party Only cover



A Third Party Only insurance policy is the minimum amount of cover legally required – it is also the cheapest. Generally speaking you should consider opting for this type of policy if your vehicle is of low value. In the unfortunate event of having an accident, any damage to a third party vehicle will be covered but any damage to your vehicle is not. However, if your vehicle is of little value then you may not be too concerned. It may not be worth paying extra for a Fully Comprehensive policy in these circumstances.



4.Maintain a good credit rating



More and more insurance companies are adopting credit scoring techniques as part of the overall calculation of your car insurance premium. By keeping a good credit history you may avoid any additional premium that companies add to your price for having a bad credit score.



5.Buy on the web



Many insurance providers now offer some good discounts for buying the policy over the internet. The theory is that by purchasing your insurance over the web, you are saving the company money by not requiring telesales agent time and incurring free-phone costs. This saving is passed on to you in the form of a discount for buying online. If you have got prices by telephone then check your quote again on their website, you may be surprised at how much cheaper it is.



6.Have a higher voluntary excess



During the quotation process you will be asked how much voluntary excess you want to have. Insurance companies will generally include a compulsory excess amount on the policy but give you the opportunity to increase this if you wish. The more the voluntary excess the lower your premium should be. However, in the event of a claim, you will have to pay a higher amount yourself, up to the total amount of excess on your policy.



7.Reduce your annual mileage



How many miles you do a year is a common question that can affect your car insurance premium. The more miles you do the more your premium is likely to be. Quotation systems and telephone agents will often suggest an amount of miles for you. Try and work out how many miles you will genuinely do. It may be less than the amount suggested. Of course, you should always give an honest answer to this and other questions.



8.Keep a clean driving record



This may be easier said than done. However, by having few or preferably no driving convictions, you can avoid being penalised by increases in your car insurance premium. Getting caught with a speeding fine is often not the only financial penalty you incur. Insurance companies take very seriously all driving convictions and it is usually an important part of their rating process. You can expect an increase in the cost of your insurance if you do get caught with a driving conviction, so it pays to be a safe driver.



9.Keep claim free



This ties in neatly with number 8 above. The biggest factor affecting the cost of your car insurance premium is how many No Claims Bonus Years you have. Full No Claims Bonus is generally considered by most companies to be five years or more, this can give you huge discounts, in some cases up to 75%. By being a safe driver and avoiding potential claims, you can continually benefit by building up your number of claim free years. Every additional No Claims Bonus year you get, the lower your car insurance cost should be. Some companies give you the option of paying a bit more on your premium to protect your No Claims Bonus.



10.Be realistic about the value of your car



Most of us have an inflated view as to what our car is worth. When asked the value of your vehicle during the insurance quotation process, people will often state an amount that is unrealistic and above the real value of the car. People do this as they believe that this is what they will get back from the insurance company in the event of a claim. The reality is that the company will only pay out what the car is worth at the time of the claim and not what you stated for the quote. In fact, by giving a high and unrealistic value, you can increase your car insurance premium as this is often a factor affecting your final price.



11.Remove unnecessary named drivers



Additional drivers on your policy usually mean a higher premium. A lot of people add a number of extra drivers on the policy just in case that person needs to drive the car. However, having all these drivers will push up the cost. By only naming drivers on the policy that will definitely driver the car, you can lower the final cost. If you find that an unnamed driver needs to drive the vehicle then most companies will allow you to temporarily add a new named driver for a small cost.



12.Improve your car security



Theft of and from your vehicle are important considerations when insurance companies calculate your price. Most companies will give you a discount for having better security of your vehicle. An alarm and immobiliser will usually attract a small discount whilst having a tracker device installed may give you a larger reduction. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price.



13.Take an advanced driving test



Although not compulsory, taking an advanced driving test can not only improve your driving skills but also help to lower your car insurance premium. Some companies look favourably on people who have taken the advanced test as it shows commitment to safe driving thus lowering the chance of having a motoring accident.



14.Pay your premium in one go



By paying for your car insurance all in one go, you can avoid paying additional interest charges that would be added on if you opted to pay by instalments. The interest charges can be quite significant, so if your finances allow, you can save a good amount of money by paying for the whole lot up front. In some cases, companies may even give you a small discount for doing this.



15.Get married



Okay so this may seem like a dramatic final way to lower your premium. However, a number of insurance companies offer lower premiums when your named drivers are insured and spouse as opposed to two unmarried drivers. Some companies believe that this shows an element of stability which is a hallmark of safer drivers and give you a discount on this basis.





About the author:

Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct sell UK car insurance through their website http://www.acceptdirect.co.uk

Please click here for more insurance related articles.

One of the most important parts of any vehicle is its tires. Not only are the tires subject to a large amount of wear and tear, but also their durability depends largely upon how you maintain them. But before we go into the details of motorcycle tires maintenance, let us first understand how you should determine which tires are best for you.

One of the most trusted sources to which you can speak about the kind of tires that would suit your needs the best should be the dealer from whom you purchased your bike or your bike repair mechanic. Since both these parties do not have any interest in giving you wrong information, they make a good starting point.

Besides your dealer and mechanic, you can also look up for information on motorcycle tires in: tire guides, magazine reviews, manufacturer official sites and a few serious forums on the Net. This will help you to re-affirm the information that you have gained from your bike dealer / mechanic.

One of the simplest ways of determining the correct brand for tire choice is to look at the tires which are being utilized by other motorcyclists in a competition. If any particular brand strikes you to be most commonly used, it might do you good to check out that particular brand first.

It’s VERY IMPORTANT that you also check for what your user’s manual recommend. You don’t want to end up messing up with the performance of your motorcycle because you chose motorcycle tires that do not fit the requirements for your bike and kind of riding.

While choosing your motorcycle tires, you must categorize tires according to their performance level, their wet grip ability, durability and mileage, load carrying capacity etc.

Of course, price is a critical factor as well, but always make a considered choice while deciding upon your tires. Nowadays, there are several financing options available which you can lighten the burden on your shoulders.

Assuming that you have purchased your tires and are happy with them, let us now checkout some of the ways in which you can make your tires last longer.

Tires are constantly being subject to a lot of dust, scuffing, and abrasions, mud etc. Thus, it is crucial to keep them in optimal condition in order to get the most out of them. Here are some great motorcycle tire maintenance tips for you:

MOTORCYCLE TIRES MAINTENANCE TIPS

-> Use a mild detergent to clean your tires.

-> Rinse the tires properly and do not use harsh chemical washes onto them. This will lead to faster corrosion of the wheels.

-> It is also important that you wash and wax your wheels on a weekly basis. If you have a aluminum wheel, then use a corrosion protector as well in order to make it look nice and shiny all the time.

-> Please bear in mind to always check your tires every time that you get on it for air pressure.

-> Regularly check for any cracks, stuck debris or loose nuts and bolts.

Enjoy the ride!

Daniel Levy

Daniel Levy is the owner and contributing writer of http://www.Japanese-Motorcycles-Only.com . He loves motorcycles, Web development and Marketing. For more great info on motorcycle tires visit http://www.japanese-motorcycles-only.com/motorcycle-tires.html .

To most riders, motorcycle helmets do not fit into their dream accessory. They feel helmets are restrictive and unnecessary and do not add to their aesthetic appeal. But it is important to know why you need to wear a helmet while riding a bike and what it does for you.

Motorcycle helmets act as a protection device for your head. Nearly all motor crashes in which riders do not wear helmets, result in major head injuries. To drive this point further, according to a survey done in the state of California, in 900 crashes, there were 980 head and neck injuries. The major factor was that most riders were not wearing proper headgear.

Canada has made it a mandatory rule for motorbike riders to wear helmets after seeing the way people die in these accidents. But in the USA, in some states, it still remains a choice for the rider � so it is for you to decide what is more precious to you.

Hopefully, now that you are convinced about purchasing a helmet, let us see some of the things that you should keep in mind while buying a motorcycle helmet.

All helmets have an outer shell and an inner shell. The outer shell is meant to protect the head from initial impact and undertake all the abrasions onto it. The inner shell is basically a lining of foam that aims at minimizing the impact of the shock by absorbing it as much as possible. It is also supposed to provide comfort to the rider as well.

In order to ascertain whether your helmet is safe enough for you or not, you must check whether it has the Department of Transportation sticker or not. A globally accepted safety standard for helmets is a sticker by the Snell Memorial Foundation.

Besides these safety stickers, the other important thing is to ensure that the motorcycle helmet of your choice gives you a proper fit. It should not be loose or too tight. You must be comfortable with it, as remember that you will be wearing it for quite some time. There should not be any red marks on your head or face � otherwise the helmet is too tight for you. At the same time, it should not come off your head or it just might fall off in an accident- providing you with no protection.

Also, you must choose between the various types of materials of which motorcycle helmets are made. Heavy helmets are made of fiberglass but it can crack if dropped. Another type of material used is injection-molded plastic. This is cheap and light but requires a lot of care. So think before you decide.

Enjoy the ride!

Daniel Levy

Daniel Levy is the owner and contributing writer of http://www.Japanese-Motorcycles-Only.com . He loves motorcycles, Web development and Marketing. For more great info on motorcycle helmets visit http://www.japanese-motorcycles-only.com/motorcycle-helmets.html .

This is a FREE Insurance Claim Guide

Your �Motor Vehicle� can be a truck, car, motorcycle – - you name it! If it�s powered by a motor and has one, two, three, four (or even more) wheels this �Guide� is for you.

The information below is a bare-bones �Guide� for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.

AFTER IMPACT CHECKLIST

We heartily suggest you make a copy of this “Impact Checklist” to be kept handy within the confines of your motor vehicle. A �Guide� to refer to so you�ll be certain, should an accident take place, that you�ve covered everything.

Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:

IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. And later the investigating police officers name and badge number. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver�s face)? TRAFFIC CONTROLS: Were there overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Indicate the width of street. Show the location of impact, gouge and/or skid marks. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. Is their state inspection sticker displayed and up to date? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It�s most important to take pictures of: Skid or gouge mark�s on the road surface plus the damage to both vehicles. PHOTOS OF YOUR BODILY INJURIES: It’s crucial to the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries – - especially all black and blue marks or bruises.

INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work – Lost Wages 3. Property Damage Losses 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Do If An Adjuster Refuses To Cooperate

You Should Go Into Detail Regarding These (Below Listed) Six Areas:

(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money. They are the foundation of the calculations used to award damages (including that often great and extra amount paid to you for your �Pain and Suffering�) regarding any financial loss flowing directly from the injury you may have sustained.

MEDICAL EXPENSES: Obtain all bills and services rendered. (Prior to their being sent out, you have ever right to ask for and read the crucial Final Reports regarding your physical condition from your Doctor, Chiropractor, �Medical Specialist� and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-rays and/or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them make sure these Medical Reports include the length of time of your �Total Disability� and/or your �Partial Disability�. These are of enormous value because they justify the often HUGE, extra payment made for your �Pain and Suffering� . (Plus this information will also prove your claim for Lost Wages).

NON-MEDICAL DAMAGE EXPENSES. These include: Lost Wages and Earnings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Help During Disability ~ Child Care During Recuperation.

(2) LOST TIME FROM WORK - – LOST WAGES - – YOUR “LOSS EARNING CAPACITY”: The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead. You�re often entitled to compensation for �Lost Time and Earnings� even if you have no actual loss of money ! Such as, for example, if your salary is paid by some other insurance coverage you may have or by taking sick leave or some other similar arrangement. It doesn�t matter if you’re employed full time, part time, self-employed, own your own business, retired, unemployed, or a housewife not employed outside the home, you should keep a written record of all household help and/or child care needed during your disability period.

All of these constitute an element of your �SPECIAL DAMAGES� mainly “Lost Wages”. Insurance companies usually don’t view your time away from work (because of an injury) as �Lost Time And Earnings� but as �Lost Earning Capacity�. In most states one is entitled to compensation for lost time and earnings even if they have no loss of money. For example, when your salary is paid for by another insurance coverage you have or by taking sick leave and/or some other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. More detailed information (regarding these above stated area�s of your loss) are found in CHAPTER FOUR �Damages� within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(3) PROPERTY DAMAGE LOSSES: �AGREED COST TO REPAIR�: This figure has been negotiated between your damage repair person and the insurance adjuster. Be sure you know (and possess a written copy of) exactly what that figure is.COLLISION: There’s usually a deductible. Read your policy. (If you�re not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is, �If it�s not excluded, it�s covered�. Read your policy closely to discover your exclusions and how they apply. TOTAL LOSS: A �Total Loss� is when the motor vehicle damage exceeds the value of the vehicle, as stated within all of the up-to-date and �Official� Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each item damaged plus the date it was purchased). Never forget: You�re entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter – - any other alternate transportation.

The above is a very brief review. For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(4) WHAT YOUR MEDICAL DOCTOR AND/OR CHIROPRACTOR REPORT SHOULD STATE: Each �Injury Evaluation Factor� should be clearly stated within each of your final Medical Reports. For example: That your disability is solely the result of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medications were prescribed, in what amounts and for how long? What symptoms or medical problems were such medications meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they’re sent to the adjuster so you’re sure it explains the nature, plus the extent and frequency of the pain that an injury, such as yours, will likely cause.

PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The part played by a pre-existing condition, if any? Their prediction of any possible future temporary disability/impairments? Does the individual attending you anticipate any further or future treatments? LENGTH OF YOUR �TOTAL� DISABILITY: Why? Because it’s so important (when it comes time to settle) this is clearly stated in weeks and days. LENGTH OF YOUR �PARTIAL� DISABILITY: Again (and for the same reason as above) this too should be clearly stated in weeks and days. (Specific details, regarding both �Partial� and �Total� Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY).

(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident – - regardless of who�s at fault! (You must read your policy carefully because the �Who�, �Why� and/or �How� of this often differs).

A WORD ABOUT HEALTH INSURANCE PLANS: In certain instances, it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or some other plan you may have. (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)!

(6) WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a. Threaten that you’re going to obtain the services of a lawyer to represent you. b. Go over the adjuster�s head. c. Resolve your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the time honored principle of �Good Faith� vs. �Bad Faith�.

All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the “Pain and Suffering” you endured are worth.

DISCLAIMER: The only purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBLY to obtain such services.

Copyright© 2004 By Daniel G. Baldyga. All Rights Reserved.

About The Author

For over 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and Trial Assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claim so they will not be taken advantage of. dbpaw@comcast.net

This �How To� article is crucial, up-to-date information concerning what to do if your insurance company is giving you a hard time (regarding your own motor vehicle accident claim with them) and you�re positive it�s �Legit�. If there�s some problems with whatever position they�ve taken regarding your Property Damage Loss (or any other coverage-questions they may be ducking/stalling/ignoring and/or disputing) you don�t have to sit back and take it!

You DO have options to settle your dispute and you should proceed as follows:

#1.FIRST, LET YOUR AGENT KNOW YOU�RE UNHAPPY: Ask them to go to bat for you. If they sit on their butt (afraid or �too busy� to get �involved� with your �problem�) find out the name and phone number or your insurance companies nearest Claims Department. Contact them and ask for help. (Never forget, you�re their insured, your premium�s pay their salary). If the person you�re talking to attempts to handle your problem with uncaring indifference, just like your agent has, than find and talk to that individual�s boss – - The Vice President of Claims and/or whomever.

#2.BE PREPARED TO SUPPORT YOUR CASE: Have ready all documents, plus a covering letter (to snail mail to that person your finally talking to) proving your point and explaining why you�re not satisfied. (Send it to them PERSONAL AND CONFIDENTIAL - – with a signed �Return Receipt� requested).

#4.CONTACT YOUR LOCAL INSURANCE DEPARTMENT: If you�ve followed your insurance company�s rules for resolving a dispute, and you�re still not satisfied, your own Local Insurance Department can help you. You can reach them by phone, or mail, or often online.

WHAT THEY CAN DO FOR YOU: Many insurance departments offer on-the-phone assistance to help resolve the �Problem� without requiring you to file a formal �Written Complaint�. Most post their complaint forms on their Web sites, allowing you to print out the document, complete it at home, and mail it to them. (If they don�t have a web site ask that they snail mail their �Written Complaint� form right out to you) !

After you provide them with all the necessary information (including your policy or claim number and supporting documentation) they will notify the insurance company (or agent) you�re complaining about. The company (or agent) is then required to respond to the department within a certain amount of time, usually between 10 to 30 days, depending upon the area where you live.

Upon receiving a reply, Insurance Department officials will dig deeper, trying to determine what can and should be done. This process usually takes about 30 days.

If the Insurance Department decides against the agent or the insurance company (which is clearly stated – - and one both your insurance company and your agent know to be a fact of their business life they�d prefer not to get hung up on – - nor be forced to deal with) the Insurance Department has the power to levy a variety of penalties, ranging from a fine to actually revoking the license of the agent or company. (When it comes down to the nitty-gritty, these departments have all the power they need to penalize companies that are deliberately ducking or dragging their feet).

After reading the above, you may want to consider hiring an attorney to represent you because it can get complicated! If you do, find one who specializes in Auto Insurance. Attorney�s work either at an hourly rate or on a �Contingency-Fee Basis�, depending on the type of case. If you decide to go that route be sure to get your lawyer�s �Fee Structure� in writing. And (to remain current on the progress of your claim) insist that you receive copies of all correspondence. PLUS: Be sure your lawyer knows that he or she must have your agreement – - before committing to any settlement!

Dan Baldyga�s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book reveals �How To� successfully handle your motor vehicle claim, so you won�t be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the �Pain and Suffering� you endured – - because of your personal injury.

DISCLAIMER: This article is intended for background information. Its only purpose is to help people understand the motor vehicle accident claim process. Dan Baldyga nor ARTICLECITY.COM make no guarantee of any kind whatsoever, NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUALS RESPONSIBILITY to obtain it.

Copyright© 2004 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga – Author

19 Winona Drive

West, Springfield, MA 01089

Phone: (413) 733 0127 FAX: (413) 731-8358

Mail to: dbpaw@comcast.net

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How To Evaluate And Settle Your Loss)

Found On The Internet At: http://www.autoaccidetnclaims.com

Or: http://www.caraccidentclaims.com

About The Author

For over 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and Trail Assistant. He is now retired and spends his time attemptng to assist those involved in motor vehciel accident claims so they will not be taken advantage of.

dbpaw@comcast.net

The �Bottom Line� regarding �Whiplash Crash Facts� (accumulated during 2004 – - and including all the previous years) are as follows:

THERE ARE EIGHT SERIOUS AND ABSOLUTE FACTS IMPACTING AND REGARDING THAT WHICH IS TODAY IDENTIFIED AS A �WHIPLASH� INJURY. THEY ARE AS FOLLOWS: 1#. The �Threshold� for cervical spine soft tissue injury becomes a reality at 5 MPH.2#. Most injuries occur at speeds below 12 MPH. #3. Crashed cars can often withstand collision speeds of 10 MPH (some even more) without sustaining damage. (THUS: The concept of �No Property Damage – No Cash� has absolutely been invalidated)! #4. A delay in the onset of symptoms has been found to be the �Norm� rather than the �Exception�. #5. Mild traumatic brain injury can be the result of a Whiplash Type injury. (These symptoms are often referred to as, �Post Concussion Syndrome�). #6. Up to 10% of victims of �Whiplash� become totally disabled ! #7. Of the 31 important whiplash studies since 1956 (19 of them executed since 1990) regarding patients from all vectors of motor vehicle accident collision impacts (be they rear, frontal, or side) it was found that �over 60% of them� needed longterm medical follow-up. #8. In 2003 several million Americans suffered a �Whiplash-Type� injury. This figure flows into the stratosphere each and ever day at an alarming rate of speed!

TIME NEEDED TO RECOVER

Studies have proven that 45% of the victims remained symptomatic at 12 weeks and 25% remained symptomatic at 6 months. The most minor cases needed at least 8 weeks to recover. The time needed to stabilize in the more severe cases took 17 weeks. THUS: The written (and often declared) notion that �Whiplash Injuries Heal In 6 To 8 Weeks� is just not true !

CHILDREN AND THE �WHIPLASH-TYPE� INJURY: Youngsters who have had Whiplash-Type injuries display sleep disturbances and nightmares, difficulties in talking to parents and friends, mood disturbances, poor academic performance and specific fears when it came to impact related play. ANOTHER SERIOUS CONCLUSION: Children who have been involved in motor vehicle accidents are often neglected as having had �Any various types of injury�, when in actuality, they suffer from the same symptoms as adults. As a matter of fact, they�re at a greater risk for damages – - especially when it comes to �WHIPLASH� !

THE FIVE MOST COMMON MYTHS AS APPLIED TO �WHIPLASH�

#1. Low speed impact crashes don�t cause injuries. #2. Injuries heal in 6 to 12 weeks. #3. A patients pre-injury psychological makeup affects recovery.#4. The greater the vehicle damage the greater the occupant injury.#5. An �Accident Re-Constructionist� can predict injury potential. All five of these �Conclusions� have been proved to be totally incorrect !

THREE SOLID �INJURY-CRASH-FACTS� size=2>

#1. Most injuries occur at speeds below 12 MPH.#2. Rear-end impacts of 6 MPH to 12 MPH cause the most injuries. #3. Between 1 and 2 years post-injury, 22% of patient�s conditions have not returned to �Normal�.

NINE ABSOLUTELY CORRECT WHIPLASH �RISK-FACTORS�

#1. DEGENERATIVE DISEASE: Headaches and/or neck injury pain (for whatever reasons) prior to the crash. #2. PRE-EXISTING HEALTH PROBLEMS: These can positively lead to even greater pain. (For example: A solid Arthritis situation will always lead to the severity of the injury and the pain).#3. VEHICLE SIZE: Even if both are about the same size an 8 MPH impact produces two times the force of gravity. If one is greater than the size of another the Gravity-Force becomes monumental! #4. HEADREST POSITION: The injury becomes much worse if it�s too far away. It must be close enough to catch the head in time – - or about 2 inches. (Over 98% of the headrests are more than 2 inches from the head). #5. POSITION OF HEAD AT IMPACT: If not positively straight (it rarely is) all the G Forces are localized to one side of the spine, substantially increasing the severity of injuries. #6. AGE: How old one is plays a crucial role regarding a �Whiplash-Type� of injury. Why? Because as the body becomes older, ligaments become less pliable, muscles are weaker and less flexible plus there�s a decreased range of motion. #7. WOMEN AND CHILDREN: They injure more seriously than men because they have smaller necks. They may also be too close to the steering wheel, airbag and/or are wearing an improper fitting shoulder harness. #8. NON-USE OF: The motor vehicle�s shoulder harness. #9. FAILURE TO WEAR A SEATBELT !

ALWAYS REMEMBER YOUR MEDICAL PAYMENTS COVERAGE

YOU MUST READ AND UNDERSTAND ALL THERE IS TO KNOW ABOUT YOUR MOTOR VEHICLE INSURANCE �MEDICAL PAYMENTS� COVERAGE: This coverage pays all Medical (and often even funeral expenses) for you, your spouse and even relatives living in your home, and/or others who are injured while operating your motor vehicle.

HERE�S A �BIGGIE� THAT MANY PEOPLE ARE NOT AWARE OF: You and your resident family members may also be covered as pedestrians regarding the payment of your medical bills – - should you have been struck and injured by a motor vehicle.

PLUS: WHEN IT COMES TO YOUR MOTOR VEHICLES �MEDICAL PAYMENTS� COVERAGE - – HERE ARE TWO HUGE FACTS YOU MUST INVESTIGATE: #1. You�re usually paid (regardless of who was at fault for the accident) up to the limit of the coverage you�ve selected. #2. The coverage often extends to expenses incurred – - within he first three years of the accident !

Copyright© 2004 By Daniel G. Baldyga

DISCLAIMER: The only purpose of this article THE MOTOR VEHICLE ACCIDENT �WHIPLASH-TYPE� INJURY - – AS OF 2004 is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go, nor ARTICLECITY.COM make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant or the like. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services.

All of the information necessary for you to deal with and handle the above issues are spelled out within the contents of Dan Baldyga�s third �How To� Insurance Claim Book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will tell you exactly how many dollars the �Pain and Suffering� you endured because of your accident – - are worth!

About The Author

Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so the won’t be take advantage of: dbpaw@comcast.net.

Here�s some �Inside-Info� you must know so you won�t be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT�S OWED TO YOU !

The following 8 are just �The Tip Of The Iceberg�:

#1. There are situations where you can collect for your �Lost Wages� even if you were paid by your employer and/or collected �Sick Leave� while unable to work.

#2. You can collect money and be reimbursed for any and all �Over The Counter� (non-prescription) medication you purchased during your recovery.

#3. Under normal circumstances unless a claim ends up in court (several years after impact has taken place and you are fully recovered) you do not have to agree to be examined by the insurance company�s doctor.

#4. There are many times that come to pass where you are entitled to collect the �Gross Amount� of your lost wages, not the so-called �Net After Taxes�.

#5. If you�re a housewife, you can often recover for �Lost Wages� (based on the �Value� of a maid or a domestic servant, who would execute the same work) which you could not perform due to the injury.

#6. You are entitled to extra compensation if you can prove you were forced to cancel a vacation and/or a special event.

#7. Under certain circumstances you may be able to make a claim (and collect for) a personal injury even if your state is �No-Fault� and you already have PIP (Personal Injury Protection) coverage.

#8. Your friends, and even relatives, have the right to execute statements which you can send to adjusters (and/or anybody you feel should get one) going into detail as to what happened to your body and what they�ve observed you�ve had to deal with (via your �Pain and Suffering�) during your period of recovery.

These statements can often provide you with an even greater dollar value – - when it comes to the calculation and then the ultimate settlement of your personal injury claim!

DISCLAIMER: The above article “INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT CLAIM” is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga,nor ARTICLE CITY any guarantee of any kind whatsoever, NOR to they purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL�S RESPONSIBILITY to obtain it.

Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book reveals “How To” successfully handle your motor vehicle accident claim, so you won’t be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the “Pain and Suffering” you endured – - because of your personal injury !

Copyright© 2004 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga – Author

dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How To Evaluate And Settle Your Loss)

http://www.autoaccidentclaims.com

About The Author

For 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and also a Trial Assistant. He is now retired and spends his time attempting to assist thsoe involved in motor vehicle accident claims so they will not be taken advantage of: dbpaw@comcast.net.

Remember back when selling online was a new experience? Dealers tried everything to sell their vehicles online. Today�s market has expanded to include several hot online marketplaces but there is the largest online marketplace, Ebay. Ebay has evolved into an online solution for everything from whole towns to your favorite paperback book. Big or small it doesn�t matter, Ebay has everything for the savvy consumer.

Vehicles are plentiful on Ebay. Ebay sells a vehicle every minute for the savvy seller willing to invest his time and money in listing his vehicle online. Just how effective is selling on Ebay? A vehicle sells once every minute on Ebay that is very, very effective. Do all vehicles sell that are listed on Ebay? Actually, less than 10% of the vehicles listed on Ebay actually sell.

What are the companies doing that are selling effectively on Ebay? Is there a secret to their success? Consider that a digital camera and some basic design skils is all you need to sell on Ebay. Of course you also need a vehicle to sell. Which vehicle and how much will it sell for? How to type up the description so that that savvy consumer will want to purchase your vehicle?

All of these questions are asked each and every day by savvy individuals and auto dealers all across the United States. A company has come along that can help with your selling situation and take the work out of listing on Ebay Motors. That is right! No work for you! They take the pictures and handle your vehicle sale from start to finish. While handling emails and phone calls in a professional manner to produce a proven sales result.

A Consulting company called www.AutomobileClearingHouse.com has proven that they can sell cars on Ebay with a sell through factor much higher than the average consumer on Ebay. Take the work out of selling your vehicle on the world�s largest marketplace. Check out their website and see how easy selling a car online can be.

�We are commited to selling online. Let us put our extensive experience to work for you.�

About The Author

Cherie Szilvagyi is the CEO of AutomobileClearingHouse.com and is a leading powerseller on Ebay Motor. See this new alternative to selling online at www.AutomobileClearingHouse.com.

cheries001@yahoo.com