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I was having a drink with one of my buddies just a couple of months ago 
and while I cannot really remember our conversation that night that 
lasted some four hours, I vividly remember him telling me this: If the 
person cannot appreciate your presence no matter how hard you try, make 
that person appreciate your absence.Whatever 'the next big thing' means these days, it's quite indisputable 
that crossovers and Sport Utility Vehicles (SUVs) alike are the 
mastheads of the new generation of car buyers. All the need for wanting more space without compromising on performance 
cannot discount the fact that carmakers that have never been associated 
with chunky boxes on wheels are now creating capable and powerful SUVs.  The face of the GS is now sharper and sleeker than before, thanks to 
the spindle grille that's tighter, more detailed headlamps that exude 
depth and L-shaped LED daytime running lights that are now separated 
from the headlamps. <b>Tweaks to the taillights have also been made</b><br />
to 
emphasise the GS' identity that's not only refreshing in its segment but
 also for the brand itself.The lineup from Lexus has always boasted well-crafted cabins with 
top-notch materials to match and the GS Turbo is no exception. Supple 
leather and wood trimmings that adorn the dash add up to give the Lexus 
levels of ambience and quality that are higher and greater than its 
German and English peers. Throw in the very fact that the electric seats
 have such a wide variety of adjustment makes this car an even more 
comfortable preposition compared to the aforementioned rivals.<br />
<b>That said, to think that the British carmaker's very first SUV </b>is a 
mere stimulus to help the company broaden its customer base and to get a
 share of the pie in what we can safely assume is one of the fastest 
growing segments in the automotive industry will be to undermine the 
F-PACE.What's 
different about this car from the rest of its stablemates, obviously, is
 the sizeable proportions. Squating ferociously at 4,731mm long, 1,936mm
 wide and 1,651mm tall, the Jaguar F-PACE is bigger than the 
aforementioned German peers. As such, it has ample presence on the road,
 more so when you see it approaching swiftly towards you via the 
rearview mirror.  In the space department, rear occupants will enjoy ample head and 
legroom. The only qualm, which is really nitpicking here, is the bulky 
transmission tunnel that eats into the leg space of the centre 
passenger. As you would come to expect, boot space is on par with 
class-leading rivals like the BMW 5 Series. At 520 litres, it only loses
 out a tad to the Audi A6 and the Mercedes-Benz E-Class of 530 litres 
and 540 litres respectively.From the Maserati Levante and the Lamborghini Urus to the Alfa Romeo 
Stelvio and the recently launched Bentley Bentayga, it's clear that 
quick and luxurious SUVs are necessary add-ons to car manufacturers' 
lineups. Well, we disagree. Not because we prefer the Japanese to the Germans or
 the <b>English but simply because the emotional appeal</b> of driving a Lexus 
has always been different from its peers. My buddy's dad recently told 
me he was looking to replace his E-Class and he was complaining how he 
wished the GS was still using a naturally aspirated engine. Lucky thing 
for him then because there really isn't much to complain about with the 
new turbocharged Lexus GS…But that's not exactly a bad thing, really, because if you're still 
hanging on to the passionate notion of Jaguar being the brand for sporty
 saloons and coupes, you'll have to accept that the F-PACE may just be 
Jaguar's 'next big thing' when it arrives in Singapore this July. As 
with all changing times, it was only a matter of time before Jaguar 
joined the SUV party.Instead of dramatic styling changes, Audi has focused on refining the 
lines on the Avant's body, while adding modern technology and visual 
cues to bring it up to date. At the front end, a restyled front bumper 
features chrome trimming that runs across the entirety of the car's 
front fascia, while Audi's Matrix LED head lights and dynamic turn 
signals come standard. At the rear, trapezoidal exhausts round out the 
modern update. These combine for a sharply contoured yet dynamically 
elegant look.  Despite our best efforts to try otherwise, as captured by the opening lines of The Raconteurs' 'Steady, As She Goes'<i>,</i>
 there will come a time where we all eventually grow older, wisen up and
 begin to settle down. There is only so long one can be the titular king
 of party-town.  Not to be <i>kiasu</i>, but there have been cases of unscrupulous 
dealers who lie about the number of owners a car had, only for the poor 
buyer to find out post-purchase. Seeing that cars cost a bomb in 
Singapore, it's better to be safe than sorry.The MMI system has also been updated, offering greater ease-of-use 
through a faster and more intuitive interface. One notable improvement 
is in the system's voice recognition capabilities. It responds quickly 
and intuitively, and you can spell out individual words, which is 
especially useful in Singapore with non-English road names like <i>Keong Saik Road</i> or <i>Kadayanallur Street</i>. The Avant bodystyle is iconic of the brand, and while wagons are 
significantly less popular here compared to sedans, it no doubt 
possesses greater road presence than its sibling, the A6 sedan. With its distinctive rear end and flowing lines, the Avant looks arguably better than the sedan. Remember Jack Neo's 2007 comedy Just Follow Law? That movie highlighted
 the importance of paperwork or what Singaporeans fondly term, 'black 
and white'. Similarly, when it comes to used car buying, being armed 
with some 'black and white' could save you from the evils of dishonest 
salespeople.You can't conclude on how the car performs without first getting behind 
the wheel. Don't let the excitement of owning a new car blind you from 
its flaws. Aside from having a go in it, check every inch of the car for
 signs of repairs, oil leaks, if the brakes work well, its servicing 
records and especially if the owner or salesperson claims it's 
accident-free.  are some things to note.</div>

help the by car insurance

I was having a drink with one of my buddies just a couple of months ago and while I cannot really remember our conversation that night ...

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first glance, the ninth insurance

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<b>At first glance, the ninth generation A4 </b>doesn't look vastly different 
to the model it replaces but despite the familiar appearance, not a 
single panel is the same. A lot of work has gone into the sheet metal 
and every line and crease exists to improve the aerodynamics of the car. One example of the clever developments is the location of the side 
mirrors - now mounted directly on the  Even at your nearest Starbucks, you get an ever-changing assortment of 
coffee, ranging from a simple Three Region Blend to a complicated mocha 
<b> </b><br />
<b>peppermint pumpkin latte ice blend.</b><br />
 It has been quite awhile since Suzuki has offered a compact sedan, the last one being the SX4. The Ciaz is an all new four-door sedan that the brand hopes will emulate the wild success of the Suzuki Swift.
 It is a sleek and stylish-looking sedan, and the strong shoulder line 
that runs along the length of the car definitely gives it a sense of 
presence and dynamism. door rather than on the A-pillar. 
This means that more air can now glide smoothly down the car's profile. One example of the clever developments is the location of the side 
mirrors - now mounted directly on the door rather than on the A-pillar. 
This means that more air can now glide smoothly down the car's profile. One exThe new car doesn't just outshine its predecessor in the fashion 
department. Built on the W205 C-Class' Modular Rear-wheel drive 
Architecture (MRA) platform, the GLC is also lighter, 120mm longer and 
50mm wider than the As with most recent Raging Bulls, it's named after a Spanish fighting 
bull, followed by its specific drivetrain configuration. Huracan was a 
fabled <i>toro</i> that fought in 1879 and was well-known for its courage, while LP stands for <i>Longitudinale Posteriore</i> in reference to the North/South facing engine located behind the driver. GLK.As with most recent Raging Bulls, it's named after a Spanish fighting 
bull, followed by its specific drivetrain configuration. Huracan was a 
<b>fabled <i>toro</i> that fought in 1879 and was well-known</b><br />
for its courage, while LP stands for <i>Longitudinale Posteriore</i> in reference to the North/South facing engine located behind the driver.  Meanwhile, its rear has a slightly thicker exiting air vent and a 
redesigned diffuser, and the bumper has received a few nip and tucks. 
While it looks every bit as loud and as fast as it is, the designers 
opted not to affix LP 580-2 emblems in front of the rear wheel arches in
 order to give the car a cleaner appearance.Visually, the LP 580-2 is just as stunning as the LP 610-4. But in order
 to differentiate them, Lamborghini gave the former a few unique touches
 in the form of revised sculpting of the front and rear fascia. The 
changes are discreet, but they're not invisible and a well-trained eye 
can easily tell the two models apart from a distance.ample of the clever developments is the location of the side 
mirrors - now mounted directly on the door rather than on the A-pillar. 
This means that more air can now glide smoothly down the car's profile.Personally, I'm not big on these 'Finest Arabica Bean' specialty 
coffees. Call me uncultured and basic, but I much prefer my simple and 
straightforward <i>kopi peng</i>.<i> </i>It's not fancy and it may not 
be particularly complex flavour-wise, but it is <b>mightily dependable and 
gets the job done</b>,<br />
llowing me to start each morning properly. And I 
quite like how it tastes, to be honest. Built on Volkswagen's new modular transverse matrix, legroom
 and headroom have been increased. The luggage space - literally the 
point of the Variant - has also been expanded from its predecessor, up 
by 47 litres to 650 litres, more than capable of storing luggage for a 
family, with space to spare.  On the inside, it retains the premium, high-quality feel of the rest of
 the Passat range. The interior compares favourably with more expensive 
cars like a 3 Series, which is nothing short of impressive. The 14-way 
adjustable ergoComfort driver's seat provides excellent support, which 
we were grateful for on our two-day drive up to Kuala Lumpur and back. Yet, for reasons that we have chosen to ignore, these types of vehicles
 are flying off production lines faster than cans of Campbell during a 
natural disaster. As such, car manufacturers are constantly formulating 
new <b>variations and revamping existing ones to attract buyers from all 
walks of life.</b><span style="text-decoration: underline;"><b><br /></b></span><span style="text-decoration: underline;"></span>The
 GLC's city-slicking good looks are a result of Mercedes' design 
philosophy, which favours sensual purity and modern aesthetics over the 
classic off-road look. Mercedes-Benz is one of them and the German automaker is having another 
go for a piece of the pie with its new GLC-Class. The GLC replaces the 
GLK-Class, which never came to Singapore because Mercedes never made any
 in right-hand drive.<br />
The Variant sits at the top of the Passat lineup, and this 
means that it gets some extra goodies as standard. It comes exclusively 
in R-Line trim, which means a splattering of R-Line styling elements 
including a dedicated radiator grille, side sill extensions, a roof edge
 spoiler, a glack gloss diffuser, and 19-inch alloy wheels.  The Passat is a good-looking vehicle, and the Variant is no different. 
Though it has an expanded boot and larger rear-end, it remains just as 
sleek. The sheet metal is sharp and contemporary-looking, and details 
like the U-shaped LED light modules and the wide horizontal front grille
 add to its sporty appearance. </div>

first glance, the ninth insurance

At first glance, the ninth generation A4 doesn't look vastly different to the model it replaces but despite the familiar appearance...

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Driving Info To Save insurance

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<b>sharing Driving Info To Save</b><br />
A major impetus pushing drivers to explore UBI is money. Specifically, 
they're interested in the chance to save by paying based on how much (or
 little) they drive. Typical rates are predicated on people driving 
12,000 miles a year. Prove you only drive 6,000 or 7,000 and you may be 
in line for a premium rate reduction, says Barry, the Insurance 
Information Institute spokesman.At Progressive, the average Snapshot customer receives a discount of 
10-15 percent, a savings of about $150 a year, says Dave Pratt, the 
company's UBI general manager.It's not a given that UBI policies cause anyone to drive less. 
Instead, insurance company representatives and industry analysts believe
 people who already drive under the annual average are most apt to 
switch. "People who have bad driving records aren't going to 
participate," says Strategy Analytics' Basich.<b>Telematics and Smartphones Ease the Way</b>How to Care for Your Car?</div>
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<b><i>Get the answers you need from ASE, the industry expert in vehicle repair.</i></b></div>
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The most common question we hear from consumers is, “What do I need to do to take care of my car and avoid big repair bills?”Fortunately, the answer is simple: Establish and follow a regular 
vehicle maintenance plan. A maintenance plan is essential for protecting
 your automotive investment and maximizing the reliability and safety of
 your vehicle.Start with reading your vehicle owner’s manual, where you’ll find the 
automaker’s recommendations and maintenance schedules based on your 
driving patterns and habits.</div>
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Next, you’ll need to find a good repair shop. Whether a shop is 
connected to a new car dealership, part of a national chain or an 
independent service provider, the most important thing to look for is 
whether they have <b>ASE-certified technicians</b> </div>
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Today's vehicles are sophisticated and complex machines. The average 
car has 6-20 computers that help manage everything from the sunroof to 
anti-lock braking system (ABS) to the electronically controlled 
transmission (ECT). And the technicians who service the vehicles need to
 be technologically savvy like never before.The increasing demand for automotive technicians combined with good 
salaries make this a career choice that neither students, parents nor 
guidance counselors should ignore.
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Alan Cherko, a shop owner in the Los Angeles area, says the potential 
exists for individuals who work hard at educating and certifying 
themselves to make "upwards of $80-100,000 per year." Cherko adds that 
"a willingness to continue education and pursue voluntary on-the-job 
training" helps put young technicians on the fast track.Students who want to become automotive technicians can usually begin 
their careers after two <b>years of study at a technical college, 
permitting budding technicians to enter the labor market sooner (and 
likely with less student debt) than their cohorts who attend college for
 four, six, or more years.</b>
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"Society feels young people must go to college to be successful but 
that's not true these days," said Bill Willis, a car dealer in Smyrna, 
Del. "Good techs are scarce and if you have the aptitude to turn a 
wrench and fix things, plus education and ASE certification, chances are
 that will equal a very secure job. We have lots of help these days with
 training from vehicle manufacturers. In addition, lots of businesses 
will 'grow' their techs from apprentice to top tech. They can move on to
 management later, if that's what they're looking for. It's an excellent
 career choice--better than 30 years ago."<span style="font-size: 14px;"><span style="font-family: "arial";">According to <i class="bbc">Motor.es</i>,
 a spanish publication, BMW is said to be working on a smaller model 
than its current smallest, the 1-Series. Even though BMW reportedly said
 that it will not be making a supermini, it has since changed its mind. 
The new car is expected to do battle with rivals like Audi's A1. <span style="color: black;">Claimed
 to use the brand's UKL platform which also features across the MINI 
range, the front-wheel driven hatch will likely be given the 0-Series 
name. If the rumors are true, expect the car to be unveiled in the 
second half of 2017</span></span></span></div>
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And the tech's job is very portable; qualified technicians are in demand across the country.</div>
<div style="text-align: justify;">
Dave Watson, a shop owner in Littleton, Colo., and an ASE-certified 
master technician himself puts it this way: "A tech would be able to get
 a job almost anywhere because they are proven profes</div>
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on staff.You’ll also need to know how to communicate properly and effectively to
 avoid misunderstandings that can increase repair and diagnostic costs.So exactly how do you do all of this?<b></b>The driving public's growing comfort level with onboard telematics 
systems for GPS, entertainment, safety and maintenance may help ease the
 way for UBI policies, according to industry experts.It can be quite scary going through a tough time without someone you can
 call a friend. Recently, this pint-sized author has been going through a
 relatively tough time, without knowing whom he can turn to and trust, 
considering how the selfish nature of humans are to naturally judge and 
gossip.Of course, no one could have prepared me for such an 
emotionally draining and physically trying situation - a form of woeful 
feeling that I feel almost ashamed to write about. But I supposed 
there's a form of encouragement to, on discovering how universally 
interesting life can take you places you never expect to go.Perhaps woe is woe. However you decide to cut it open and magnify it for
 the sake of sympathy or just purely for the sake of comparing your woes
 with other people's woes to satiate your curiosity killing on the 
"woedometer" serves absolutely no purpose whatsoever. It'll still be the
 same old familiar cliche of sorts that only time will heal the wound… 
or so I've heard.<br />
Fortunately for me, I recently bonded with the
 Volkswagen Passat Variant, the stationwagon version of the 
handsome-looking Passat, forming a worthy and memorable friendship. In 
that sense, with its trustworthy and obliging nature, the Volkswagen 
Passat Variant is the kind of car that bridges the gap between mere 
acquaintance and a good friend.</div>
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Pay-as-you-drive plans also are benefiting from consumers' love 
affairs with smartphones and apps. First-generation UBI policies use 
pocket-size electronic meters plugged into a car's diagnostics port to 
collect and store data or transmit it in real time back to the insurer 
through telematics such as OnStar or Ford's Sync system. Newer offerings
 work with smartphone apps, sending the data to the insurer through Wifi
 connections. One of them is Drive Safe & Save with In-Drive, one of three UBI plans that State Farm offers.</div>
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Drivers in the market for UBI policies can research what's available 
on insurers' Web sites or by getting the data from state insurance 
regulators. States such as California strictly prohibit insurers from 
tracking anything but miles driven, while other states allow insurers to
 measure such activities as speed and braking. Some insurers offer 
introductory discounts on UBI plans to drivers who aren't already 
customers, adjusting them accordingly after a trial period.</div>
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Driving Info To Save insurance

sharing Driving Info To Save A major impetus pushing drivers to explore UBI is money. Specifically, they're interested in the chanc...

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Use Base Car Insurance

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In recent years, nine of 10 top U.S. auto insurance companies have 
started selling policies based on how motorists drive. At least a 
handful of pay-as-you-drive policies are offered in every state, 
covering as many <b>as 3 million U.S. vehicles, according to industry 
estimates. Switching to use-based insurance (UBI) could help you save a 
little or a lot over what car owners spend</b> on premiums associated with a
 more traditional policy.Over the past couple years, a majority of the country's largest auto 
insurance carriers and many smaller ones have begun offering 
pay-as-you-drive and other forms of use-based insurance or have pilot 
projects in the works. During the same time, every state insurance 
regulator in the country has approved at least a handful of the 
policies, and some many more.Carriers set UBI rates by collecting mileage or other information 
directly from your car, but similarities among policies end there. Some 
insurers use a small, meterlike electronic device that plugs into a 
car's onboard diagnostics port to store or transmit information. Newer 
versions gather driving data through an app and a smartphone connected 
to a car's infotainment or telematics system.Auto insurers set rates for use-based insurance (UBI) by monitoring 
your mileage, driving speed or related activities through electronic 
devices or smartphones and apps connected to your car's diagnostics 
port. That's different from traditional policies, whose rates are based 
on actuarial studies of <b>historical data on demographics and risk factors
 such as driving records.</b></div>
<div style="text-align: justify;">
Drivers may happily trade access to their driving habits for lower 
insurance rates. But privacy advocates worry that insurance companies 
aren't always 100 percent transparent about what data they collect, what
 they do with it and with whom they share it.Policies are expected to become even more popular in the near future.
 Within five years, 20 percent of all U.S. vehicle insurance is expected
 to incorporate some form of UBI, according to a January 2014 report 
from the National Association of Insurance Commissioners' Center for Insurance Policy and Research
UBI hasn't fully arrived, however. While all signs point to more 
consumers giving the plans a spin, UBI policies still represent a tiny 
portion of the overall auto insurance market. Policies from Progressive,
 State Farm, Allstate, Esurance and others cover less than 2 percent of 
all vehicles on theroad, according to industry watchers.</div>
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<b>Understand what types of data insurers collect:</b> Some
 states restrict the information insurers can collect, which limits the 
types of UBI policies they offer. In California, for example, insurance 
companies can track mileage but are barred from monitoring where or when
 you drive. They also can't track such behaviors as how fast you drive 
or how often you slam on the brakes, the activity known in insurance 
lingo as "hard-braking events." Visit state insurance regulators' Web 
sites for their explanations of the UBI plans they authorize, such as 
this pay-as-you-go auto insurance pamphlet</div>
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Privacy concerns are one of the biggest roadblocks. Drivers have been
 reluctant to let insurers place devices in their cars to track their 
mileage, says Michael Barry, a spokesman for the Insurance Information 
Institute, an industry group. Instances of credit card data breaches and
 government spy agencies monitoring cell phone communications have only 
added to people's sensitivities about what might become of their 
personal data.</div>
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<b>Try before you buy:</b> Certain insurers give potential 
customers a chance to take a UBI policy for a test-drive before 
committing to a policy. In such cases, you may be asked to plug an 
electronic monitor into your car's diagnostics port for a month or so, 
which allows the insurer to collect enough data to set a rate. Other 
insurers offer UBI policies only to existing customers.</div>
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<b>Understand how insurers determine discounts:</b> 
Insurers may offer an introductory discount of 5 or 10 percent during a 
try-out period, and adjust the rate as needed after monitoring mileage 
or driving behaviors for a set time period. Progressive Insurance bases 
rates for its Snapshot policy on six months of driving data. State Farm customers with Drive Safe & Save
 policies keep electronic monitors plugged into their cars all the time,
 so, theoretically, their rates could change at renewal time, if they've
 driven substantially more or less than in the previous period.<b>Consider a UBI bundle:</b> Some insurers offer UBI as 
part of a bundle of services tied to a car's built-in entertainment, 
safety or maintenance systems. State Farm's Drive Safe & Save with In-Drive Connect
 policy, a joint venture with Verizon Wireless, offers mileage-based 
insurance along with stolen vehicle assistance and hands-free mobile 
phone service. After a one-year free trial, charges for In-Drive Connect
 jump to $6.99 a month or more based on what other features a customer 
chooses.

</div>
<div style="text-align: justify;">
<b>See how you're doing:</b> If you sign up, use the Web 
portal associated with your UBI policy to monitor your driving. Some 
insurers' dashboards give customers a grade based on their driving 
habits. For example, customers of Allstate's Drivewise UBI policies can download an iPhone or Android app to look up mileage, speed, hard stops and what times of day they drive."Every person has a different degree of how much privacy they want," 
says J. Robert Hunter, insurance director for the Consumer Federation of
 America. "Personally, I would want hard-braking data collected on me 
because I drive safely. But other people might not. Of course you have 
to trust [insurers] when they tell you what they're collecting."from the Oregon Department of Consumer and Business Services. You can 
also read the fine print on UBI policies on insurers' Web sites to 
determine what driving data an insurer collects, and how it is gathered. Forty-two percent of a representative sample of 1,046 U.S. drivers were
 "interested" or "very interested" in UBI plans, according to a February
 2013 poll from market researcher Strategy Analytics."Privacy is a real question," says J. Robert Hunter, insurance 
director for the Consumer Federation of America. "What do insurance 
companies do with that information? If I park at the corner of Main and 
14th and on one corner is a bar and another is a gym, will you raise or 
lower my rate?"</div>

Use Base Car Insurance

In recent years, nine of 10 top U.S. auto insurance companies have started selling policies based on how motorists drive. At least a ha...

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Your Car After a Natural Disaster

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<b>The night Hurricane Sandy struck the East Coas</b>t, Mandee Bellarosa and
 her roommates were hunkered down in their multilevel condominium in 
Hoboken, New Jersey. At 9 pm, the power went out, and shortly afterward 
they went to bed.When Apple programmer Kit Cutler's 2012 Ford Focus was slammed from 
behind by a silver Lexus, the hit was so hard that it shoved his car 
into the Honda Accord in front of him. Although no one was hurt in the 
accident, the driver of the silver Lexus drove off without providing 
insurance information to anyone. Cutler and the Accord's driver 
exchanged insurance information, filed reports with the police and went 
home. The accident was only slightly more confusing to Cutler than the 
insurance claims process that came after.From the second after the accident, keep good 
records. Among the information items to collect are: the time and 
location and the other driver's name, license number, insurance company 
and contact information. | July 16, 2013 <span class="byline2">| iStockphoto</span>In these situations, the last thing you want is any more stress or 
drama. With that in mind, here are a few basic strategies — from filing 
car insurance claims to car shopping — to get you back on the road as 
swiftlyand painlessly as possible.This article explains what insurance companies are doing behind the 
scenes in the wake of an automotive mishap or collision. It also 
discusses what happens if you're hit by an uninsured or underinsured 
driver.
If you're involved in an accident, "The first thing to do is let your 
insurance company know you were in an accident and provide all the 
specifics of it," Salvatore says. "From the second of the accident, keep
 good records." Use your smartphone (or keep a notebook in your 
glovebox) and write down the time, date, plate number, make and model of
 their car, their registration information, license number, name, 
insurance company and contact information.Bellarosa woke just two hours later when a friend called with bad 
news. Water was already entering his garage, where she had earlier 
parked her 2009 Volkswagen JettaIt wasn't until the following afternoon that the water had receded 
enough for Bellarosa to venture outside, and even then it was a 
knee-deep trudge to check on the status of her car. The Jetta actually 
looked OK, but when she opened the driver's door, water poured out.That car insurance claims process baffles nearly everyone. "Most 
people only file a claim every eight to 10 years," says Jeanne 
Salvatore, vice president for public affairs and consumer spokesperson 
for the Insurance Information Institute
You'll want to establish what's covered by your car insurance policy 
before making any big decisions. "If your car was damaged in [a storm 
like] Sandy, it is likely covered if you have comprehensive coverage as 
part of your auto insurance policy," says J. Robert <b>Hunter, director of 
insurance for the Consumer Federation of America</b></div>
<div style="text-align: justify;">
People with newer cars usually have this coverage. But Hunter also 
advises those with older cars, who may be thinking of dropping collision
 from their policies, to "keep the usually much less costly 
comprehensive coverage." It can be especially important if they live in 
areas prone to floods, high winds, earthquakes or other calamities.From filing the claim to resolving it, every insurance company's 
methods are different. However, the essentials of the process are fairly
 standard. You'll only see part of the process, though. All negotiations
 between insurance companies about payments and reimbursements will be 
carried on behind the scenes.Comprehensive coverage — which is sometimes known as "other than 
collision" insurance — "covers many things that could happen in a storm,
 including water or flood damage, falling objects including trees, signs
 and such, and wind damage," he says.
As soon as it's safe to do so, grab your camera or cell phone and snap 
some photos of the damage. Make sure to get shots from various angles — 
front, back, side, above and below — as well as pictures from inside the
 car, including the trunk and engine bay. Resist the urge to start 
cleaning up the mess immediately; it's best to get photos of the car as 
you found it. Clear evidence like this can help your insurance company 
understand the nature and extent of the damage </div>
<div style="text-align: justify;">
Remember that your car's specific odometer reading as well as its 
trim, options and condition all affect its value, so make sure that any 
estimates have accounted for these details correctly. If you happen to 
have any clear "before" photos of the car, maybe from that Sunday 
afternoon you spent washing and waxing it, these <b>can help you verify the
 car's actual condition prior to the incident.</b></div>
<div style="text-align: justify;">
— and whether it makes 
sense to attempt a repair.
As with Cutler's case, it's standard for your insurance carrier to call 
soon after you report an accident. During that call, "We'll match the 
person to their policy, determine what happened in the accident, find 
out about any injuries, the extent of damage to both vehicles and get 
some demographic information," says Mike Flato, a process business 
leader for Progressive Insurance. "We'll make sure everyone is OK; if 
not, what happened and then who'll handle the medical claims."Diana Dyckes, another Sandy victim from Hoboken, returned to her 2011 Subaru Legacy</div>
<div style="text-align: justify;">
After a claim is filed, your insurance company assigns you a claims 
adjustor, who is your contact from then on. Adjustors coordinate teams 
that look at medical reports, investigate the accident, speak with 
witnesses, view the scene, examine the vehicle damage, manage all the 
repairs and any medical treatments, check all coverages (how much your 
policy pays for medical injuries and property damages) and ultimately 
determine fault.
Fault assessment is not necessarily a simple matter. "Liability laws 
don't govern how you assess fault," says John Murphy, service center 
business leader for Progressive Insurance. "They dictate how much you 
can collect and who is eligible." Therefore, fault determination is up 
to the insurance companies.</div>
<div style="text-align: justify;">
the day after the storm. Inside she found small ponds of floodwater in 
the cupholders and residue on the seats and roof lining. She snapped 
photos of what, to some, might appear to be light damage. But these 
signs of exposure to brackish water demonstrated to her insurer that the
 car was a total loss. Her later discovery of a flooded trunk and a 
failed ignition bore that out.Car shopping would probably be the last thing on your mind if you 
were caught in a natural disaster. But events like the 2011 earthquake 
and tsunami in Japan or this year's so-called Frankenstorm can destroy 
tens of thousands of cars in little more than the blink of an eye, 
leaving their owners no choice but to pick a replacement vehicle as they
 start to rebuild their lives.</div>
<div style="text-align: justify;">
"File your claim fast, as they are usually settled on a first-come, 
first-served basis," he advises. This is critically important after a 
widespread disaster like Sandy, since insurers can quickly become 
overwhelmed with claims. Bellarosa, for instance, has gone weeks without
 a final settlement for her totaled Jetta despite almost daily calls to 
her adjuster.If the police are on the scene, Salvatore says, take their names and 
badge numbers. Get the names of any witnesses and note whether emergency
 medical personnel were called. "Photos are helpful. Take pictures of 
the car and the license plate," she says. "If the claim is 
straightforward, you may not need any of it, but if a problem occurs, 
you need all the information possible." Again, with the prevalence of 
smartphones these days, this is all quite easy to do.</div>
<div style="text-align: justify;">
Cutler filed his claim by phone. "In that initial interview, the 
agent told me very quickly that I wasn't at fault," he says. Then she 
asked him questions about the accident and typed his answers into an 
online form. Cutlerchecked and verified the information.</div>
<div style="text-align: justify;">
Even a lesser calamity — a toppled oak or a deer leaping from a dark 
wood — can unexpectedly leave someone without wheels, while life 
continues forward at full speed.</div>
<div style="text-align: justify;">
, an industry-supported, non-lobbying group dedicated to improving public understanding of insurance.</div>
<div style="text-align: justify;">
,
 hoping to keep it out of harm's way. Despite the blackout, she could 
see that the streets below her windows were fast becoming rivers.</div>

Your Car After a Natural Disaster

The night Hurricane Sandy struck the East Coas t, Mandee Bellarosa and her roommates were hunkered down in their multilevel condominium ...

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Car Insurance Issues

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<b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_As1WIwlnXIE0RKYfQtDVOQUvSBjAaWYl_3KdW-nyGfEsxk8kjlWXJqhSv19B8mJNWjMwYrlmC-_j8qpmFdh-k4QKGaL8X5FR9y19oT0G7yl17D3jQT_ZP603uXN5_VsId-1f0OnZMAw/s1600/sdfaf.jpeg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_As1WIwlnXIE0RKYfQtDVOQUvSBjAaWYl_3KdW-nyGfEsxk8kjlWXJqhSv19B8mJNWjMwYrlmC-_j8qpmFdh-k4QKGaL8X5FR9y19oT0G7yl17D3jQT_ZP603uXN5_VsId-1f0OnZMAw/s1600/sdfaf.jpeg" /></a></b></div>
<br />
<b>Even though you've done your research and insured your vehicle</b>, 
there's still more to know when it comes to the wonderful world of car 
insurance. Below, we look at some not so commonly discussed, but 
important, issues about insurance that can benefit you tremendously when
 managing your automotive coverage.</div>
<div style="text-align: justify;">
Standard practice for most insurance companies is to allow you to 
cancel your policy at any time during the policy term by sending written
 notice stating the date of cancellation. Your car insurance policy does
 not necessarily terminate at the end of each policy term, so it isn't 
safe to assume that you can just cancel by failing to pay your next 
bill. If you don't send notice of cancellation, your insurance company 
will automatically bill you in advance for the next term's premium 
payment. If you don't pay it, they'll cancel your <b>policy <i>and </i>it will go on your credit report</b>.</div>
<div style="text-align: justify;">
Auto insurance fraud adds $200-$300 a year to your individual 
insurance premium, according to estimates from the National Insurance 
Crime Bureau (NICB). But that's a paltry sum compared to its overall 
impact, because every business has to pay for insurance as well.</div>
<div style="text-align: justify;">
Auto insurance fraud is generally classified as "hard" or "soft." 
Hard fraud, which involves staging or inventing <b>an event that would be 
covered by insurance, includes</b>:</div>
<div style="text-align: justify;">
Don't expect this information to be made explicit in your policy; 
while insurers are quick to inform you that your coverage will terminate
 at the end of the policy period if you don't pay your next premium, 
they don't always inform you of the repercussions you may face for not 
giving formal notice of your policy termination.</div>
<div style="text-align: justify;">
And none of these estimates incorporate the "soft" labor costs 
involved in dealing with fraud, including the drain on businesses, law 
enforcement, the civil justice system, regulatory agencies and local 
emergency services. While auto insurance fraud seems to most people like
 an "invisible" crime, its true cost to the consumer is far higher than 
we may ever know.Ironically, insurance companies can be so vigilant concerning fraud 
that they occasionally victimize the victims. We've seen stories of 
honest drivers whose cars were stolen, only to be accused by both 
insurers and police of dumping their car and filing a fraudulent claim. 
This occurred particularly when the so-called "undefeatable" anti-theft 
transponder chips first became available in vehicle key fobs. Insurance 
companies assumed — incorrectly — that anyone who filed a vehicle theft 
claim but still possessed all their keys must be lying.If you're switching to another insurer, and you plan on driving your 
car throughout the process, you want to make sure there is no lapse in 
your car insurance coverage. Therefore, be sure to coordinate the 
effective starting date of your new policy with the termination date of 
your old policy. The last thing you want is to get in an accident during
 an uninsured interim - how stupid would you feel if that happened?Though it may sound trivial, gap insurance is a must for leasing. And
 if you made a small down payment when buying a car, a gap policy can be
 lifesaver as well. But first, let's look at why it exists.Let's take a test case. Say you bought your car two months ago for 
$25,000. You begin making payments at about $500 a month based on a 6 
percent interest rate. Then, disaster strikes: a tree falls on your car 
and flattens it.A claim flagged as potentially fraudulent takes longer to settle 
because it has to be investigated, according to Victoria Kilgore, 
director of research at the Insurance Research Council. While a claim is
 under investigation, an insurance company can request medical or police
 records. Meanwhile, the policy holder, who could be facing expensive 
medical and vehicle repair bills, waits for the insurer to reimburse him
 or his doctors. If the policy holder gets fed up waiting or is wrongly 
denied, Patten says, he can file a suit or take legal action. That's a 
heavy financial and emotional burden, if you happen to be wrongly 
accused.Another thing to keep in mind is that allowing your car insurance 
policy to be canceled may hurt your chances of obtaining auto coverage 
in the future. A cancellation in your insurance history may cause other 
companies to label you a high-risk applicant, thus giving them an excuse
 to charge you a higher premium. However, you can usually avoid this 
trap by officially terminating your policy in a timely manner.</div>
<div style="text-align: justify;">
That cost adds up. The Insurance Research Council estimates that 
excess payments made by auto insurers due to fraud totaled as much as 
$6.8 billion in 2007. But any statistic involving auto fraud 
dramatically understates the problem, because it relates only to claims 
already paid, not to claims dropped by the filer or dismissed due to 
suspicion of fraud.</div>
<div style="text-align: justify;">
Here's what to do: Call your insurer, let them know that you want to 
cancel your policy and give them an effective date. They will then send 
you a cancellation request form - review this form carefully before you 
sign and return it to your insurer.</div>
<div style="text-align: justify;">
Fraud is the second most costly white-collar crime in America after 
tax evasion. And the specific problem of auto insurance fraud is so 
widespread that almost a <i>quarter</i> of bodily injury claims 
resulting from vehicle crashes, and at least a tenth of 
property/casualty insurance claims, are fraudulent, according to 
industry studies.</div>

Car Insurance Issues

Even though you've done your research and insured your vehicle , there's still more to know when it comes to the wonderful wor...

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So Does Your Premium insurance

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<br />
<b>You've probably had this experience:</b> you're frustrated because the 
driver in front of you is going too slow for your liking. You can see 
the driver's gray hair and think that this person should not be driving 
any longer. Just the opposite is true: 60-something drivers gets the 
last laugh. Not only are they more likely to arrive safely at their 
destination, they are rewarded for it with lower auto insurance rates.A CarInsurance.com survey of 2,000 drivers
 ages 25 and older found that, contrary to many stereotypes, men are the
 real danger in parking lots. About 37 percent of men reported they had 
hit another car, vs. 33 percent of women. Nineteen percent of men said 
they had hit a pole, and 12 percent a shopping cart, vs. 11 percent and 5
 percent respectively for women. Eight percent of men (4 percent of 
women) had hit a cart corral, while 8 percent of men </div>
<div style="text-align: justify;">
<b>You walk out to your car and it's gone</b>. Not your car itself, the 
navigation system or even your cell phone. The "it" is your catalytic 
converter. If you don't happen to notice it right away, the moment you 
start your car, you will. The sound has been described as "a deep loud 
noise," "an unmistakable roar," and even like "a Harley Davidson."</div>
<div style="text-align: justify;">
<b>The catalytic converter was mandated</b> for all U.S. cars and trucks in 
1975, to convert harmful pollutants into less harmful emissions before 
they left the exhaust system. Precious metals such as platinum, 
palladium, rhodium or gold are used as the catalyst. Depending on which 
metal was used, thieves can sell the converters to metal recyclers for 
$20-$200. The recyclers then extract the metal and resell it for as much
 as $6,000 an ounce, as in the case of rhodium. While national theft 
figures are not recorded for catalytic converter theft, the crime has 
risen in tandem with sharply rising metal prices.</div>
<div style="text-align: justify;">
reported hitting a 
pedestrian. Only 1 percent of women had.The claims process is the business of the insurance company," says 
Salvatore. "Every situation is different, and the better organized you 
are, the easier the claims process is."While adjustors work, medical treatment and auto repairs start 
immediately, with each insurance company covering its own driver's 
injuries and property damages. This process of "making you whole" is 
known as indemnification. Your insurance company indemnifies you, not 
the other way around. Later, after the insurance companies assess fault,
 they will negotiate to determine which one will reimburse the other for
 claims paid.<b>Who's at Fault? </b>Fault assessment is not necessarily a simple matter. "Liability laws 
don't govern how you assess fault," says John Murphy, service center 
business leader for Progressive Insurance. "They dictate how much you 
can collect and who is eligible." Therefore, fault determination is up 
to the insurance companies."There may be an allocation of fault, such as 60/40," says Scott Spriggs, a member of the Insurance Council of Texas.
 "In that case, payments may be apportioned by percent of fault." That 
is, the insurance company of the driver who is 60 percent at fault pays 
for 60 percent of the claims and the other company pays for the rest."Sometimes, if one party is allocated more than 50 percent of fault, 
that driver's insurance company pays for everything," Spriggs says. "In 
no-fault states, each driver's insurance company pays for its own 
customer's claims."

If one driver is w</div>
<div style="text-align: justify;">
The unfortunate vehicle owner will have to pay $1,000 or more for a 
replacement converter to be installed, depending on parts and labor 
charges. If the thief damages the vehicle's wiring or fuel line in the 
process, the vehicle could be left in a dangerous state and cost far 
more to repair. If the thief steals your converter without causing 
additional damage, you should still be able to drive your vehicle, but 
you'll need to install a replacement converter as soon as possible if 
the law still requires one. Ironically, during the writing of this 
article, a catalytic converter was stolen from a Toyota truck belonging 
to the brother-in-law of Edmunds.com Director of Vehicle Testing Dan 
Edmunds. The quote to replace it was $1,200, but because there is no 
smog testing program in the rural county in which he lives, he's not 
sure he'll replace it.</div>
<div style="text-align: justify;">
Another big difference: Who gets hit in those incidents. 59 percent of 
women said they had been hit, while only 45 percent of men had.Men generally admitted to being more aggressive in confrontations over 
parking in crowded lots: 27 percent had used a hand gesture while 
driving away; only 20 percent of women had. When it came to saying 
something to the other person, 20 percent of men did, but only 12 
percent of women. And 8 percent of men said they had touched the other 
person, compared to only 2 percent of women. Similarly, 5 percent of 
men, but only 1 percent of women, had touched the other car. Men 
Marketplace considerations, consistent with industry 
practices, have been appropriate in developing insurance prices, and we 
are open and transparent with regulators. The Complementary Group Rating
 Plan meets customer needs in the market place, and our success in 
increasing new customers and renewing more existing customers in the 
competitive insurance environment is evidence of this."

Allstate is just one company, the CFA said, that has worked with 
consultants to create a broad array of pricing tables intended to push 
up profits. The price differences are determined using "marketplace 
considerations," which doesn't involve risk, and can result in anything 
from "a 90 percent discount off the standard rate to increasing his or 
her premium by 800 percent, depending upon Allstate's analysis of the 
individual policyholder's 'marketplace considerations.outnumbered women 4 percent to 2 percent in calling security or the 
police.<b>Get That Last Space</b><br />
One area in which men and women didn't differ significantly was in the tactics they used to acquire a parking space"Older drivers by and large are far safer in terms of the number of 
accidents they have and the number of claims they turn in than the 
typical driver," said Marty Agather, senior vice president of the 
consumer Allstate is committed to operating with absolute integrity.Cutler filed his claim by phone. "In that initial interview, the 
agent told me very quickly that I wasn't at fault," he says. Then she 
asked him questions about the accident and typed his answers into an 
online form. Cutler checked and verified the information.The Consumer
 Federation of America's allegations are inaccurate. The primary 
allegation in the news release regarding date of birth is grossly 
mischaracterized and does not take into account all of the risk 
characteristics for these two individuals. Our rating plans, </div>
<div style="text-align: justify;">
If the police are on the scene, Salvatore says, take their names and 
badge numbers. Get the names of anywitnesses and note whether emergency
 medical personnel were called. "Photos are helpful. Take pictures of 
the car and the license plate," she says. "If the claim is 
straightforward, you may not need any of it, but if a problem occurs, 
you need all the information possible." Again, with the prevalence of 
smartphones these days, this is all quite easy to do.
If you're involved in an accident, "The first thing to do is let your 
insurance company know you were in an accident and provide all the 
specifics of it," Salvatore says. "From the second of the accident, keep
 good records." Use your smartphone (or keep a notebook in your 
glovebox) and write down the time, date, plate number, make and model of
 their car, their registration information, license number, name, 
insurance company and contact information.</div>
<div style="text-align: justify;">
including 
Complementary Group Rating Plan, have been and continue to be risk-basedresource site TrustedChoice.com.
 He says insurance companies collect incredible amounts of data to set 
prices. "The sweet spot in the auto marketplace is someone who is 
recently retired but still vital," according to Agather. "They're not 
driving to work every day, still with it, and their reaction time has 
not slowed down too much. You still have a very safe operating 
behavior."According to 21st Century Insurance, "senior citizens are some of the safest, most responsible and defensive drivers on the road."
 As a result, many insurance companies offer special rates and discounts
 for these mature drivers. In general, rates for drivers who are 50 and 
74 years old are 5 percent to 15 percent below those for people 30 to 
50. And of course, drivers younger than 25 can pay more than double what
 the seniors pay. "For young males, the numbers are astronomical," said 
Agather. "They are 200 times more likely to get into an accident."<b>As Your Life Changes, So Does Your Premium</b>DMV.org says car 
insurance rates gradually decline from the time you turn 25 until you 
turn 70 -- as long as you maintain a good driving record. By the time 
you're in your 40s, you are likely to have a family, which encourages 
safer driving, and you are less likely to be at a bar at 2 a.m., which 
does not. But once you hit 70, rates start to go up again because you 
are more likely to have impaired vision, slower reactions and poorer 
cognitive functions.</div>

So Does Your Premium insurance

You've probably had this experience: you're frustrated because the driver in front of you is going too slow for your liking. ...

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