Third Party Insurance Is A Vital Coverage Offered By Car Insurance Policy

When driving car on the roads, you can never be sure about the hassles that might come upon you in the form of car damage, accidents, injury and so on. It is possible to get into traffic congested roads and bump against another car. Even a small accident can result in huge expenses because repair costs are on the rise. A car insurance policy will help reduce the loss by providing compensation. This is one of the many situations in which it comes to your aid and there are many more.

What Protection Do You Get From A Car Insurance Policy?
A basic car insurance policy will pay out if there is any damage to the vehicle in the event of an accident. If the car is damaged due to man-made or natural disasters, the policy will pay for losses. One of the critical areas where it comes to your aid is third party liability. If your car accidently happens to hit another vehicle or someones property, they can sue for damages. You can cope with liability expenses through compensation offered by the third party insurance coverage. It will help pay for damage caused to third party which can put a severe strain on your finances. In the event that you car collides with another vehicle which results in damage to that vehicle or injury to the driver, it can be used to meet expenses arising from the situation. In the event of a personal accident which causes loss of life or permanent disability to the driver it will pay out a lump sum.

Car insurance offers many add-ons that can be used to reduce expenses even further. These include on-road repair in event of minor breakdown, towing expenses, assistance for lock out or lost key, emergency fuel expenses and flat tyre change. You can also opt for benefits such as depreciation cover, invoice price cover, medical expenses, daily hospital cash and coverage for personal accident to fellow passengers. These additional benefits help bring down so many different types of losses, making them easier to bear.

Important points to note about car insurance
In the event that you sell your vehicle, existing insurance policy can be transferred to the new owner. You can also transfer it to the new car that you have purchased to replace the old one. Policy coverage is applicable only for a period of 12 months after which it has to be renewed. Policy renewal can be easily done online, which saves time and efforts. When you renew the policy without fail every year, your car will not be inspected. You can also avail the no claim bonus which gives a reduction on the premium cost. Premium costs will also be reduced if you have an ARAI approved anti-theft device installed in the car. Car insurance claim process is easy and can be completed online by filling the claims form and submitting it along with required supporting documents.

Steps To Diagnose A Classic Car Vibration

Driveline vibrations can be tricky to diagnose, because you can’t get under the car and see what is going on while it is driving down the road at 60 MPH. If you have read my first article on the three types of driveline vibration, you have a pretty good way of narrowing down the list of possibilities based on if the vibration is engine speed related, vehicle speed related, or engine load related. Here are some other considerations to keep in mind when diagnosing a classic car vibration.

The first thing to consider is the overall current situation. If this is a new build that has never been run before, then everything is suspect. You may have total faith in your engine builder, but could one of his tools be out of calibration? Is the engine supposed to be externally balanced, and you ordered the correct flywheel but actually received one for an internally balanced engine? Are your driveshaft angles out of spec? Could you possibly have a defective pinion or axle bearing, a bent axle, a warped wheel, or a tire out of balance? Is your exhaust touching the body or another component at any point? Are all the suspension bolts, body to frame bolts, and steering linkage nuts/bolts tight?

If this is a modified car, there are so many more things to think about. If you have 1968 Camaro (my favorite year!) with a Total Cost Involved front end, a late model LS3 engine with home-made engine mount towers, a Keisler transmission, a Currie 9″ rear end, and a Detroit Speed rear spring and shock package, there are a number of different opportunities for incompatibility, not to mention the fact that the car is almost 40 years old and the production tolerances back then were considerably “looser” than they are now. Aftermarket companies usually design their parts to fit a completely stock car, and their parts will usually fit an otherwise unmodified car very well. When you start to combine aftermarket parts from different manufacturers, you sometimes run into problems. The aftermarket front end may be designed to improve cornering ability which changes some geometry that the aftermarket transmission system also changes due to tunnel interference with the transmission, and then the rear end company also takes a few liberties with their design to make the rear end fit several different cars, and the rear suspension company modifies the geometry for maximum traction when drag racing. Each part by itself works perfectly with an otherwise stock car, but when all are combined you can end up with a car where the transmission touches the car body and the driveshaft angles are unacceptable. This of course isn’t always the case, but if you run into a vibration problem on a heavily modified car you need to take this possibility into account.

If it is a recent restoration that was vibration-free before, then first look at anything that was changed, and the relationship all those components have with other systems on the car. If you just swapped a Ford 9″ rear end into your Chevy, the rear end itself may be fine, but you could have altered the driveshaft angles. An angle that was barely acceptable before might be slightly beyond the limit now, creating a vibration.

Sometimes you have to “think outside the box”. I once corrected a “vibration” in a two year old, 25,000 mile Buick Lesabre that had a vibration complaint since day one. It had been to three different dealerships, where they had rebalanced and replaced the tires and wheels several times, had multiple wheel alignments, and even had the shocks and struts replaced. I noticed on a test drive that the vibration was only in the steering wheel. I could not feel it in the seats, the armrests or the dash, or see it in the mirrors. I took it back to the shop and ran over some speed bumps at about 10 MPH to see what happened, and the steering wheel moved about three inches up and down! I was a service writer at the time, and all of the technicians refused to believe that the steering column could be loose from the factory, so none of them would work on it. I dug into the dash and found that two of the four bolts that secure the steering column to the dash were about three turns shy of being even finger tight! It had come that way from the factory, and none of the previous technicians had taken the time to pay attention to what was actually happening with the car. I tightened the loose bolts, and I had a customer for life! Sometimes you have to open your mind a little, and throw all assumptions out the window.

The bottom line is to take your time and consider all the possibilities. Assess the overall situation, drive the car, and think about what is happening. Don’t make any assumptions, and realize that aftermarket parts from different reputable companies aren’t always designed to work with each other. Have an open mind, and with patience any vibration problem can be diagnosed and corrected.

How to Check a Used Car before You Buy it

A used car has always faults that reduce the comfort of using the car or that must be repaired before using it comfortably and safely. This is all right, as long the prize you pay is not too high when you also add the prize, time and efforts for subsequent repair and adjustments. Here are some tips for checking a used car before any purchase.

BASIC PRINCIPLES OF ASSESSING A CAR BEFORE YOU BUY

The basic principles of assessing a used car before you buy it are:

– Look at everything.
– Test everything.
– Check the car’s history.
– Write down what you find.

Before you begin checking the car, make sure you have ready something to note down your findings upon.

If you only remember these four depicted principles, you will probably make a good assessment even without any more detailed plan. However, in the following a plan for the assessment is presented. It is not always possible to do it exactly as described, but try to follow the procedures as well as you can.

LOOK IT ALL OVER

Before starting the car, you should watch the whole car externally and internally in a systematic manner:
– Go around the car and watch every point. Look for broken windows, unclear windows, unclear or broken mirrors, bumps, rust or damaged painting.
– Then look especially well at the channels on the sides. Look for any rust and injuries.
– Try to open and close all doors. Look around the doors, both at the doors themselves and the frames around the doors. Try the locks in every door.
– Look at the wheels and the wheel suspensions.
– Look under the car. Look especially for rust, broken parts or unsymmetrical parts.
– Look into the luggage room. Look under carpets and covers. Look especially for cracks, rust or unsymmetrical parts. Such symptoms can indicate that the car has been subjected to an injury.
– Look into the motor room. Check for loose parts. Does everything seems solid and in place? Is there much rust? Are there signs of oil leakage? Is it very dirty, and what kind of dirt is present? Some dirt is normal, but extreme and unusual dirt should give you something to think about. Do you see any cracks or any asymmetry? Are there any signs of repair work done? Such symptoms indicate that the car has been through an accident.
– Try the suspension by bouncing each of the corners of the car. They should bounce only one or two times in every corner, and without any cracking noise.
– Look to see if the car has spare wheels, standard tools for repair and wheel shift, and both summer and winter wheels present.
– Then turn the key so that the electric systems are activated.
– Look at everything in the cabin. Look under the carpets. Sit down in all seats. Try all regulatory possibilities of the seats.
– Try all electric windows, electric mirrors and other commodities that are electrically operated.
– Try out all lights, including the signal lights and the serene. If some of them do not work, set in a new bulb, to see if this is the only problem.
– Try the radio, car computer, music equipment and any GPS navigation unit.

START THE MOTOR AND TEST

After having seen the car all over, it is time to start the motor. The motor should ideally be started when it is cold. A motor started easily when it is warm, does not necessarily start easily when cold.
– Start the motor. Does the motor start easily or not? Listen for sound of uneven motor work, sounds of vibrations or sounds of friction. Do you feel any vibrations outside the normal?
– When starting the motor, kick the brake pedal. It should easily go down and kick in the brakes when the motor is started. If not, the brake servo can be broken.
– Listen for unusual or high sounds from the exhaust system indicating breakage.
– Look at the dashboard panel. Do all indicators work? Does any indicator signal any problem?
– Try the steering by turning the steering wheels. How much do you have to rotate it before the wheels turn? It should not be more than around 2 cm or 0.8 inch.
– Try the window washers and the window wipers, and any light wiper and washers.
– Kick in the clutch, and try all the gears if it is manually geared.
– Try out the cabin heater or air conditioning.

TEST DRIVE

Then there is the time for a test drive. When you are test-driving the car, you should try out the following:
– Set the gearbox in reverse, and back out of the parking place. Does the gas and the clutch work smoothly when backing? Does the car get smoothly into motion?
– Set the car in motion forewords. Does the gas and the clutch work smoothly in foreword motion? Does the car get smoothly into foreword motion?
– Increase the speed and gear up to second gear if the car is manually geared. If it has automatic gearshift, just speed up until the second gear sets in. Are there any problems to go up one gear? If the car has an automatic gearbox, does the second gear kick in when expected?
– Try the breaks from a low speed. Is there any problem with the brakes, like poor action, vibrations or unmoral noises? Does the car pull to one side when you use the brakes?
– Park the car and note down all your findings so far. Then start again.
– Try a wider range of speeds, and the rest of the gears. If the car has an automatic gearbox, do the other gears kick in when expected? Does the motor feel quick, or is it lazy?
– Listen to the car mechanics. Is there any rattling or whining sounds from anywhere? Be especially aware of singling sounds from the gearbox or unexpected motor sounds.
– Watch out for any smell of gasoline, diesel, oil or anything burnt during drive?
– Does the car go in a straight line and direction at higher speeds, or does it wiggle or pull to one side. Is it still easy to steer it both to right and left? Is the steering accurate?
– Try the breaks from a higher speed and notice any irregularities.
– Look at the figures for motor temperature. Is it in the normal range?
– Finish by testing the reverse once again when parking.
– When finished the test drive, look into the motor room. Do you see any oil leaks, or water leaks, or is there any unexpected high temperature? Is there any smell of burnt substance? Is there any smell of gasoline or diesel?
– Note down all your findings.

CHECK THE PAPERS AND CAR HISTORY

Then, before buying the car, check all the papers.
– Look at the service book. Has the car had all its services?
– Look at all repair bills. All of these should ideally follow the car.
– Look at the mileage indicator to see how long the car has been driven.
– Take out a history report of the car from authorities, insurance companies or other instances offering such reports. An example of such a report is a Carfax report that can be taken out online.
– In some countries or areas dept issues or fines that an owner has generated follow the car to the new owner. Such issues are especially important to check out. How you can do so, will vary from place to place.
– Ask the seller about history issues, for example accidents the car has gone through. If you have found some signs indicating some issue, ask directly about them. Many sellers will be honest and tell any truth. In other cases you can guess from the way that the seller answers if he is lying or not.

DECIDING

At the end, you must decide several things based on the findings.
– First of all, is this really the car type you need? If not, decline the offer, even though everything looks fine.
If you have decided that this is the car type for you, then think further.
– Is the car in such a technical condition that it is possible to bring it to the standard you want? If not, decline the offer.
– Then think about how much time and effort the repair of the car will cost you. Even though you let a workshop repair the car, you must spend time by bringing the car to and from the workshop, by explaining what to repair, by waiting, by checking after repair, and so on.
– What do you think the repair of the car will cost?
– Now you can decide if the car is worth buying after all, and the maximal prize worth paying.
– As the last point, discuss the prize with the seller, even if it is within the right prize range.
Then at last, after all checking, and all thinking, and discussing the prize, you can decide to buy or not.

Vintage Cars – Why Do People Buy This Type Of Car

While modern auto sales continue to comedown, vintage cars are getting hotter these days. Based on figures, there is a high exigency for classic cars in the present time. Hundreds and thousands of vintage cars are sold every year and every car is worth millions of dollars. Although many countries are facing economic fragility, still the market for classic cars are soaring.
But why are vintage cars so popular? Cited below are some of the most excellent reasons why these cars are still in demand today:

Passion For Collecting Brilliant Finds
True enough, people are fond of collecting all sorts of things from rocks to jewelries, gold coins and cars. By and large, people who collect cars are mostly men. Their passion is not exclusive to fast and super cars but they also collect classic cars as well. One of the most dignitary car collector is Jay Leno, the illustrous host of the Tonight Show in NBC. Presently, he owns approximately 300 vehicles not including his 60 motorcycles. Included in his car collection are various Stanley Steamers from the early 1900s, muscle cars from the 1950s and ’60s, and a 1932 Packard Twin Six 12-cylinder coupe. It only shows that money is not a hindrance for people to collect pieces.

Vintage Cars As An Investment
To protect wealth against inflation, fiscal experts propose that people should begin finding a good investment medium. However, a lot of people did not know that promotion vintage cars are very profitable. Classic cars are considered as excellent investment mediums. Vintage cars that are for refurbishment are very cheap to buy but after a few modifications and repairs, they can be sold twice or thrice higher than the original value. Accurately a very practical patronage. However, aside from having a million dollar worth of bank account, interested investors need to be well verse with the car business and the different types of vintage car in order to amplify the profit and not to be ripped off the cars actual value.

Before investing in classic cars, the basic things to consider are the best car manufacturers, the types of vintage cars, the manufacturing year of the chosen car, the cars general form, functions and different features and the market price of cars.

Restoring Vintage Cars Can Serve As A Trophy Of Honor
People are eager to collect items that went through so much history and obviously this include collecting vintage cars. They take pride and glory for owning vintage cars. Also, it gives one a great achievement to recreate a vehicle to its former condition and splendor.

Vintage Cars Are Timeless
Vintage cars are very stylish. These cars are made from the creative minds of artists. Their chic and expensive design can make every head turn.

Nostalgic Appeal
Truly we cannot go back in time. But driving a classic car can give the owner the opportunity to hark back to and to relive what was long been gone. It can bring back good and bad memories. Since vintage cars had stood the test of time, some of them were survivors of war and tragic times in the early 1900s.

Surely, classic cars or vintage cars are still in demand nowadays. The economic downturn is not a hindrance for people to squander and buy classic cars. The next time we see a vintage car passed by, optimistically our understanding has changed and we think of them not just as a piece of metal but a great artwork that survived time.

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