Open Discussion Blog

Question by Kurt: How to get auto insurance from a state that your college is in rather than your resident state?
I live in New Jersey where the auto insurance is relatively expensive. However, I go to college in South Carolina where the auto insurance is a lot cheaper than in New Jersey. How can I get the cheaper South Carolina auto insurance? Do I need a South Carolina driver’s license to do this? Should I buy a car from a South Carolina dealership?

Best answer:

Answer by David
You can’t legally–you have to register and insure the car in your state of legal residence, in this case NJ. However, call your agent and check into a “college” rate–many companies give a discount if you’re at school over a certain distance from home. That may help.

Know better? Leave your own answer in the comments!

Question by phattygirl: Car accident?
I was in a car accident. I have a nissan 200sx, 1997. My lheadlights on one side were busted, my grill was busted and my radiator was damaged and is now leaking. My hood is bent up slightly. Do you think the insurance company will pay for this damage or total the car out. There wasnt much damage done, just front end and the frame is not bent. How much do u think costs will be to fix this damage, estimates, and no stupid answers.

Ps. the car still runs, starts and drives well. All the lighting works…just need a new radiator and basic bumper repair and hood repair and a new grill

Best answer:

Answer by James C
Insurance will fix your car if for them it’ll cost less than what it would to get a replacement. From the sounds of the damage, I would say they’ll just fix it.

What do you think? Answer below!

Question by Lorraine: Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?
I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.

Best answer:

Answer by Diane A
Yes and no. The medical bills should be refunded to you by the other person’s medical insurance if they were found at fault. Have your lawyer (or you) send a demand letter w/ a copy of the medical bills (before insurance took care of the cost). Then you will receive a ck from the auto insurance company to you for your bills.

Know better? Leave your own answer in the comments!

Recipes For Car Crashes And Road Accidents

When the term “Car” came into existence, little did people know that it will give birth to a host of other terms like Car Crashes and Road Accidents. Even now, in this day and age of highly evolved automobiles that offer numerous safety features, the number of road accidents and the number of resulting fatalities are actually on the increase.

If you are an avid follower of the daily news, whether on TV or through the print media, you would notice that hardly a day goes by when there is no news about someone being involved in a car crash. In fact, such news is so common now that we don’t even treat it as news anymore and there usually is a dedicated section for such happenings in the morning paper and the news on TV. To make the case grim, there are minor accidents that don’t even get reported.

There will never be a clear cut reason for road accidents. Even a minor lapse in concentration on one’s part can result in a car crash that might end up involving other vehicles and even pedestrians. You can do everything right while driving a car and still some irresponsible and reckless driver might bump his vehicle into yours. The worst thing is that even if you don’t have a car, you might still end up being involved in a car accident.

In this case, remember that road accidents can still be avoided by following some simple driving rules and keeping your eyes open and your mind alert whilst on the road. Let’s take a look at some of the basic causes for road disasters.

Reckless driving habits and Absent Mindedness is one of the chief contributors to this menace. Some people just do not care about anyone else on the road when they are at the steering wheel. Carelessness is definitely the cause for most driving mishaps. When you are driving a vehicle, you should only focus on the road and everything else around you should be secondary. While driving, talking on the mobile phone, fiddling with the car stereo and thinking about personal issues are the most likely causes for a lapse in concentration that may result in an accident.

Then there is the menace of drunk driving and underage drivers. Alcohol, even if taken in lesser quantities, impairs sensory perceptions in humans. If your senses are not functioning properly, you can’t even control your own self let alone a vehicle. Drunk drivers usually drive fast to experience thrills and that’s when most accidents take place. Underage drivers don’t have the sense of judgment of an adult and that is why there is an age limit for driving in the first place. Underage drivers without an accompanying guide or proper training also contribute immensely towards road accidents.

Badly maintained vehicles that are not road-worthy are the ones that you will mostly find involved in accidents. Your car is a machine and if this machine is not maintained properly and looked after well, it can let you down where it matters the most, i.e. on the road. Brake failures, tire failures, clutch and steering problems are some of the basic part failures in cars that can be avoided by getting your vehicle serviced on time and by maintaining it properly. A little bit of care for your own vehicle can prevent you from being involved in a precarious situation on the road. An accident due to your ill-maintained vehicle is your own fault and by your negligence you are endangering your own life along with that of others on the road.

There are lights in the exterior of your vehicle for a reason other than cosmetic appeal. They are there to allow you to see in low-light conditions and also allow others to see your vehicle in the process. There is an undeniable relationship between night-driving and accidents on the road. The obvious reason for that being decreased visibility. If you have faulty lights in your vehicle you might end up being involved in an accident. Make sure all lights in your vehicle are functioning properly to ensure a safe run on the streets in low visibility conditions.

A bit of care and restraint while driving and sense of driving rules can go a long way in avoiding catastrophes on the road. Remember that a road mishap may not entirely be your fault but you could still find yourself involved in one. That is why it is imperative to spread the message of safe driving practices across to everyone.

Let’s make roads safer!

James Rodham

Quality Auto Parts

crashing a smart car to test occupant survivability

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Car Accident Compensation Claims UK

It can be a traumatic experience being involved in a car accident. Most often, the injuries prove fatal. Relatively minor car accidents too can cause both physical and psychological injuries. If you have been involved in a accident of this kind, you can make a claim for the losses suffered. You can make a claim for the losses suffered. You can make car accident compensation claims.

It is believed that majority of the car accidents occur due to the negligence of the driver. Failure to put brakes, failing to look when pulling out of a junction or failing to keep the correct distance and crashing into the back of another car are some of the common causes. If you can prove somebody else was responsible for the accident, you can get compensation quickly. All car drivers must be ideally be insured. This will help get compensation fast.

To be eligible for this type of claim, you must be able t prove that injuries have resulted due to the negligence of someone. This must be proved through suitable medical reports, official records from police authorities, and so on. This will help substantiate the claim. You can get compensation quickly. Approaching accident claims specialist will help get compensation fast. They can simplify the while process of making a claim. The accident claims solicitors can help through the entire process.

The solicitors will work on a no win no fee basis and guarantee 100% compensation. It is advisable to make car accident claim by seeking help from claims specialists. Every car accident is unique and calls for different type of compensation claim. Claims specialist can help get suitable compensation quickly. If you make any mistakes while making a claim, your case will be delayed unduly. There are many claims specialists lawyers who can help get suitable compensation.

Seeking assistance from claims specialist’s lawyers is a good idea. The lawyers have abundant experience in handling claims cases. The lawyers can also help make a claim on no win no fee basis. This type of claims case doesn’t call upon the claimant to pay any fees. Irrespective of the fact whether the claim is successful or not, one need not pay anything. One can also make a claim by looking online for help. There are many claims specialists offering help. This is a simple way of making a claim.

I am not the one that filmed this crash, but I did edit it.

Question by Sean P: Is the auto-insurance claim information shared if I switch the insurance company?
Hi!

I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y?

Thanks!

Best answer:

Answer by Stupid Flanders
Your driving record (including accidents, tickets and filed claims) is public knowledge and is kept on a database through your state. Most states use the same database so that your driving record is basically public knowledge.

While Insurance company Y doesn’t get information directly from Insurance company X, all they have to do is look up on the database to find all of your tickets, claims and accidents.

Basically, you shouldn’t lie on your application because you won’t get away with it.

Know better? Leave your own answer in the comments!

Saving Money On Your Car Maintenance

Maintaining your vehicle may be a challenge in these trying times.  Many people think that by letting go of regular car maintenance they are saving.  In truth, people who let their vehicles go may end up with a whole lot of car trouble.

You don’t have to spend big bucks on maintaining your car.  Here are few tips on saving money on your car maintenance.

Canvass

If you’re going to bring your car in to a dealership or to an independent auto mechanic, ask what they charge for routine maintenance.

You won’t lose your warranty if you go to an independent mechanic instead of a dealer.  An independent mechanic, especially one you know on a personal level, will charge you less than what a dealership would.

If the mechanic or dealership wants you to have extra work done, you don’t have to.  Maintenance measures that are not included in the owner’s manual are nice but not necessary.  Don’t feel pressured into having them.

Always get quotes from dealers and car mechanics in the area.  However, consider quality of service and after sales.  You may end up paying a bit more than the lowest quote you receive but get better service and after sales.  That should also be a factor in your decision making process.

Avoid Stress

While the advice may be good for you too, this is also true for your car.  Excessive stress can damage your car.  Stressing your car will lead to a breakdown and wear your vehicle out faster.  A broken down vehicle will require more maintenance and in a worst case scenario, a replacement.

Driving well will lead to longer car life and more value when you choose to upgrade to a better model.

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There are innovative ways of cutting on costs.  Did you know that a free oil change is available in certain states for individuals who meet the requirements?  

You can also get free gas if you’re a frequent traveler.  If you drive at least a thousand miles every month, you can sign up and get free gas in return for acting as a mobile advertisement.  A magnetic sign will be placed on your car and the size of the sign will determine how much free gas you will get.

Inflate Tires

Keep your tires well inflated.  Too much or too little air can damage your tires and require you to have them replaced.  You should know how much air is best for your tires.  Keep the air at that level.

Fluid Checks and Oil Changes

Gas isn’t the only fluid your car needs to operate smoothly.  You should also check that oil, transmission fluid and engine coolant are at optimum levels.  If any of these are inadequate, an engine collapse may be in the offing.

As oil is of vital importance to your car, have it changed every three thousand miles.  Regular oil changes can increase your engine’s life and performance.  Thus, you get more value from your car in the long run.

Wash and Wax Regularly

Taking care of your car’s internal components is important.  However, do not ignore the exterior.  A clean, well polished car is a source of joy to any car owner.  Regular washing and waxing can also prevent corrosion problems.  Corrosion problems can lower your car’s value.

A car is a machine and machines need proper maintenance.  Having your car maintained at regular intervals can extend the car’s life and functionality.  Regular maintenance will save you from expensive repairs and the possibility of purchasing another vehicle.

But the ultimate car maintenance money saving tip is:  do it yourself.  If you can do it properly, do the servicing yourself.

Learn how to remove a car battery so it can be replaced with expert car tips in this free online automotive repair video clip. Expert: William Myers Contact: www.austinsubaru.com/en_US/ Bio: William Myers has been a Senior Master Technician for Subaru since 1998. He is an ASE Certified Master Technician and L1 Advanced Level Specialist. Filmmaker: EV studios

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Car Accident Lawsuits – What To Do

As the number of cars is increasing on the roads, so is the number of car accidents. There are more and more people who are driving an hour or two to get to their office and back home, tourists who are visiting other states for holiday and late night drunk drivers who are on they way back from their bar. There are plenty of dangers on the road and a lack of responsibility from drivers. This is the biggest cause of car accidents on the road.

The cars themselves have become a burning icon of American culture. A 100 years old Ford started the craze and now cars are defining they way we live in so many different situations. We need to drive to work, get our kids to school, shop for groceries and visit relatives. Car is a useful resource and is a necessity in our lives. The society would be something completely different if there weren’t cars.

But, cars bring a dark side with them. According to statistics, car crashes are number one cause of death for all people to the age between 0 and 34. Highways, roads and streets are handling great number of cars with all sorts of drivers and we are bound to have car accidents each and every day. Lack of responsibility is the main factor for a car accident, car malfunction or unlucky circumstances play a tiny part in car accident statistics.

There are 117 fatalities on the roads of United States every day and 7123 people being injured as a cause of a road accident. If you are a responsible driver, that doesn’t exclude you from a chance to have a car accident. It is the other driver that will injure you and passengers in your car. There is nothing you can do about that, except to seek justice.

If you or someone close to you find yourself in a car accident, your first concern are injuries. If you do not have any injuries and the medical bills that go with them, you can consider yourself lucky. But you need to worry about your car and the damage that has been done. What you need to do is to contact car accident lawyer to find out are you entitled to a compensation of some sort. Compensation may be for personal injuries and for your car damage. For both of them you will need good car accident lawyer who will help you.

You should not wait to contact the lawyer, the longer you wait, less chances are you will get the compensation for your damages. You might lose the case because of the evidence that will not be valid or simply due to other actions that may have led to your injuries or a damage to the car.

Before you make a lawsuit, contact a car accident lawyer. Never do it by yourself, because there are many details you are simply not aware of. Besides that, try to contact a local lawyer because he already knows local procedures and knows local people. Remember , consults are free so you can always seek for some information before reaching for legal actions.

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