Author: SM

If you have a nagging feeling that you are paying too much for your car insurance, it is definitely worth the time and effort to take a close look at your premiums. Once you know what you’re paying, you can research and compare it with other options. Doing so may help you save some of your hard-earned money on this necessary expense.

With this in mind, the following tips may help you to lower your car insurance coverage:

Look for a Company that Offers You a Specific Discount

One of the easiest ways to save money on car insurance is to shop around for a company that will offer you a discount. For example, if you are a member of the U.S. military or you are the child of someone who served, you are likely eligible to apply for car insurance discounts through certain companies. For example, USAA offers its military members affordable car insurance policies, so by simply switching companies, you may be able to save a bundle. In addition, many insurers provide additional discounts for things like being a good student or for taking driver training courses.

Raise Your Deductible

Take a close look at your car insurance premium to check your deductible amount. By raising your deductible, you should be able to significantly lower your premium. Granted, while it might be nice to have a low deductible and not have to pay a lot out of pocket if your car is damaged, the amount you are paying for higher rates is probably larger than these savings. Speak with your agent about raising your deductible and then set aside this amount in savings; this way, if you do have to file a claim you will have the out-of-pocket amount ready.

Ask About Low Mileage Discounts

When you first set up your car insurance, your agent probably asked you how many miles you drive in a typical week. If you have since moved closer to your work, found a new job closer to home, carpool regularly with co-workers or are on furlough from your work, give your agent a call and ask about low mileage discounts. Some car insurance companies will give you a price break on your premium if you drive less than the average number of miles per year.

Consider Buying a Different Car

Here is an interesting tidbit: Insurance companies will track which makes and models of cars, and even which car colors, are more likely to end up being part of a claim. If you drive a more spendy sports car with plenty of horses under the hood, your insurance company is probably charging you more. On the other hand, SUVs and other non-flashy and practical cars often are cheaper to insure. If you love your car, by all means, keep it. But if you have been thinking about shopping around for a new vehicle and are fine with the idea of an SUV or minivan, check with your agent prior to test driving cars to see which options will save you the most money. You may be pleasantly surprised to learn a change in the car will result in big savings on your premium.

The Savings are There—Now Go Get Them!

As you can see, it is quite possible to save money on your car insurance. You will have to do the legwork yourself by doing some research, shopping around, and possibly changing your insurance company, but having more money in your bank account at the end of the month will make the hard work worth it.

If you’re in a car accident, it makes sense that you would spend plenty of time finding the right car wreck lawyer. With this reasoning, you would think that most people would spend plenty of time finding the right dealership when purchasing a car, but that’s rarely the case.

Instead, most people are more focused on the car they want. It’s not necessarily a bad thing to think carefully about the kind of car you want, but where you buy the car is just as important. You don’t want to feel bullied into a sale, you don’t want to have to deal with outrageous interest rates, and you may want to return for service later.

Instead of focusing too much on the exact make and model you want, focus on finding the right auto dealership with these tips.

Consider Your Financing Options

One of the first things you should consider is your financing options. You don’t want to settle on the perfect car at the perfect dealership only to discover that they are unable to help you finance your new vehicle. Although there are finance and insurance manager in every car dealership who can help you decide.

It’s important to consider all of your options because there are many ways to finance a car. Some dealerships offer financing options with multiple lenders, enabling you to find a low-interest loan, but other dealers may not offer as many options, which means you may get stuck with a higher interest rate than necessary.

You will also want to consider if you can get a loan directly from the bank. If you can, you can go to any dealership.

Search for Reviews and Ask for Recommendations

Once you have an idea of a few dealerships that you might want to work with, it’s time to go online and check out customer review sites. This is where you will find information about how other customers were treated when working directly with the dealership that you’re interested in.

In addition to checking out reviews online, you should also ask around. Talk to your friends, family members, and coworkers to see which dealerships they went to when purchasing their vehicles. You may discover a highly recommended dealership, and you may discover one that you want to stay away from as well.

Make Sure They Are Easy to Get Ahold Of

When you’re ready to reach out, make sure you can do it easily. There are many ways a dealership can allow customers to contact them including:

• Phone calls
• Emails
• Social media messages
• Online chat through their website

The dealership doesn’t have to offer all of these options, but they should offer a few, so getting ahold of their sales department is easy. This information should also be found online. If you’re having difficulty finding an email address or the correct phone number to call on the website, it’s a sign that you may want to move on to a different dealership.

Drive by the Lot

If you’ve never driven by the dealerships you’re interested in, now is the time to get in your existing vehicle and take a drive. You don’t necessarily have to get out of your car and wander around the lot—as that’s likely to alert the sales staff—but driving by can tell you a lot about whether you will be comfortable shopping there.

Is the building well-maintained? Are you comfortable with the side of town where it is located?

Tempted to try an out-of-state lot to save money? Make sure you consider whether you would ever want to make payments in person, or if you would ever need to return for service, as it can be very inconvenient and expensive in the long run to work with a dealership that’s far from home.

Consider Their Inventory

It really doesn’t matter how great the dealership seems to be if they don’t sell the kinds of cars you’re interested in purchasing. You do have to consider the inventory they have to offer. For example, if you are looking to buy a new Toyota Crown, you need to do your research to find the best dealership that stocks this particular vehicle. However, it is about a lot more than finding a dealership that sells the exact car you want.

Instead, focus on looking for certain safety features, and look for a dealership that offers used cars as well as new cars. You may discover you can get a great deal on a slightly different model if you buy used rather than buying the exact car you originally wanted.

Expertise and Experience

You should also consider expertise and experience. That means working with a dealership that focuses on selling and servicing certain models, and a dealership that has been in business for at least a few years.

If you work with a dealership that is used to working with your make and model, you’re more likely to get the right parts and the right service. Choosing a dealership that has been in business for a while demonstrates that they offer service that is good enough to keep them in business for years.

Discover What Makes Them Different Than Other Dealers

Car salesmen get a bad rap, and in some cases, it’s well-earned. Bad dealerships with a sales staff that use slimy sales tactics still exist in the world. You don’t want to feel pressured into a sale, and you don’t want to drive home and discover that you’ve purchased a lemon.

Do a little research to discover what makes them different than other dealers. Visit their website and read their about page or see if they have a philosophy that they have posted online.

If you’re having difficulty finding this information, don’t hesitate to call them and ask why you should choose their dealership over other dealerships in the area. They should be able to tell you immediately; if they can’t, it’s a good sign you should move on to another business.

You should consider what kind of car you want, but don’t let the dealership you work with become an afterthought. By taking the time to work with a trustworthy dealership, you can enjoy the entire car-buying experience.

The love between humans and everything two-wheels has been long celebrated in the motocross world. Dirt bikes have been a famous choice for adults who love adventure. Parents in favor of motocross usually want their kids to experience the same adventure and thrill. There’s a reason why the motocross market has exploded with kids motocross gear, bikes, and accessories, it’s because there’s a surge of demand from new motocross-parents who are either passing their motocross love or entering it for the first time. However, the surge in demand for kids motocross equipment comes with an equal surge in parental concerns. After weighing the pros and cons, we can say with confidence that enrolling your kid in motocross is a worthy leap of faith for the following reasons: 

Reason #1: Getting Them Outdoor (and keeping them there)

If you’re going to ask your kids to give up the social dopamine and comfort of the online world, you better have something equally great to barter. What’s a better trade than a dirt bike and an open track for a kid? Motocross will have your kids riding and enjoying the outdoors all the time, it may actually become a problem keeping them home, but that’s a discussion for another day. 

Reason #2: Treasurable Memories And Bonds

It may come as a surprise, but motocross is renowned as a family sport. Generational motocross love is a frequent sight in this world. In fact, when parents are asked why they let their kids into motocross, bonding, and experience sharing usually tops the list. You will surely have a lot of firsts: first time geared up, first ride, first crash, first race, first loss, first win, and much more. Race days are filled with parents helping their kid gear up, giving them technique talks, and shooting their new desktop wallpapers. It’s a hard sport and that journey meshes families together.    

Reason #3: Crashing Builds Character 

How many times do we tell kids that there are no failures, only lessons, that they should not quit even when they fail. Why do we do that? Because we understand the value of learning from defeats. This is a central argument in considering motocross for your young one or any other sport for that matter. It teaches kids to recollect and retry after each life crash. When it comes to motocross, the crashes happen literally. When they do crash, your kid has to get up, dust off, and run to retry. 

Also, can you imagine meeting a motocross rider who isn’t brave? Accepting and riding in the face of crashes instills unparalleled confidence in kids. Their safety is taken care of through the reliable and wide range of kids motocross gear available in today’s market. 

Reason #4: Healthy Lifestyle For Healthy Riding

Motocross demands certain sacrifices and lifestyle choices from anyone who wishes to pursue it. The myth that motocross stars are like rockstars daredevils who do whatever they want, whenever they want, soon vanishes. Motocross is a physically demanding sport, kids soon realize the importance of exercise and an active lifestyle.

Reason #5: Self Understanding

With high speeds and rocky tracks, comes the demand for pushing limits. Learning to maneuver yourself on a bike on rocky terrain is all about understanding your limits, focusing on your strengths, and improving on your weaknesses.

Reason #6: Healthy Competitiveness

Motocross is highly competitive. Being a kid who races against others will teach them the tools to perceive, handle, and overcome their competition. Kids constantly push themselves to outperform their competition and this translates into a good personality virtue.

Conclusion

Starting to ride as a kid has advantages in its own league. It is a joyful experience filled with the thrill of adventure and learning. Even though expensive, it is worth the investment given the high returns for your kid in the long-term.

Despite taking the necessary precautions, if you still find yourself on the receiving end of an unfortunate accident, you have to minimize your damages.

Some smart moves you can make on the collision site is to call law enforcement personnel, photograph the evidence, exchange relevant information, and call a car accident attorney.

Taking these steps will improve your chances of getting financial compensation for your troubles. Moreover, understanding the significance of car accident lawyers will also benefit you in the long run.

Here’s a comprehensive guide to help you navigate a car accident safely:

1. Contact the Concerned Authorities

Whatever the circumstances, call law enforcement agencies on the scene immediately.

The police account will be included in your record file, thereby helping to expedite your insurance claim. 

Furthermore, you have to make sure you don’t leave the collision site. This act will work in your favor, whether you were responsible for the accident or not.

If the crash site blocks the onrushing traffic, move the cars to a safe location, preferably on the side of the road. Otherwise, the drivers and passengers are to remain seated in their automotive until help arrives. 

 While most states don’t make it obligatory to submit police reports, others require you to provide a detailed account of your traffic accident collision to the Department of Motor Vehicles (DMV). To make sure you don’t miss anything, get in touch with your state’s DMV, and verify the procedure.

2. Consult an Attorney Immediately

An auto accident lawyer works on your behalf to ensure losses are kept to a bare minimum, thus protecting you from any extra financial damages. Especially if you’re not at fault and looking to take legal action against the perpetrators, you need a reputable car accident attorney to streamline the process and build a solid case.

In some states like New York, there are statutes of limitations. New York’s statutes of limitations put you on the clock and make it legally binding to bring forward your case within a specific time. If that time elapses and you’re unable to file your case, you’ll be unable to launch a lawsuit and most likely lose your opportunity to claim compensation for damages and injuries. Statutes of limitations differ for government entities and individuals, so you need to consider it as well.

An experienced personal injury lawyer from reputable firms like Fine, Farkash & Parlapiano, P.A. will know how to work within the timeframe of the statute of limitations and help you guide through the process, so there aren’t any failures.

3. Exchange and Document Relevant Information

When you’re sure you didn’t cause the car accident, you need to ask for the other driver’s insurance information to claim losses, like car repairs, and medical bills. Don’t forget to get this information, even if you think the accident didn’t inflict any significant harm.

Here’s what you need to note down.

• Name, address, and phone number
• Contact info of the insurance firm
• Policy number
• Driver’s license and plate number

Next, you’ll have to do some detective work. Look for information that unveils the subtleties of the car accident. Start from the time of the accident and walk yourself through every detail. Some things you need to identify are:

• The date and time of the accident
• Location of the accident
• Name of the road you were driving
• The nearest cross street
• The direction of the cars involved in the accident
• The driving conditions
• A personal account of what transpired

In the days following the crash, you’re likely to forget specific details of the incident. So, try to be as detailed as possible when you’re on the scene. This way, you’ll have the information you need at your beck and call, and won’t have to scratch your head to remember essential details.

Were there any witnesses on the collision site? If so, then get their contact details as well. Your attorney might need their recollection of events later on.

Lastly, take as many clear images of the crash scene as you can. This simple digital proof will come in handy when your insurance company requests photo evidence. As a general recommendation, you need to cover these things in your photographs:

• The angle and positioning of the vehicles
• The precise location where the street accident occurred
• Signs on the closest crossroads
• Property damage
• Injuries

4. Seek Medical Attention

Even if you have a minor concussion, you need to seek immediate help. Many car accident injuries are internal and show delayed symptoms. Furthermore, a medical professional will keep a detailed record of your injuries, which will help you file an insurance claim and advocate court proceedings.

Traffic Collision FAQs

1. Should I hire a car accident lawyer even for a minor car accident injury?

The Dominguez Firm highly recommends hiring a lawyer even for subtle signs of injuries because minor injuries can later prove to be serious and complicated, such as internal bleeding. Complicated injuries may take a while to appear, and undocumented injuries may raise issues regarding compensation later on. For this reason, it’s imperative to have an experienced lawyer by your side.

2. What are the leading causes of fatal vehicle collisions?

The major causes of fatal collisions include distracted driving, drunk driving, and over speeding. Using a cellphone while driving or eating and other forms of distraction can remove the driver’s focus on the road, causing an accident. 

3. How can you help a person with a car accident injury?

Call the emergency response hotline number immediately. Provide first aid only if the victim sustained life-threatening injuries. Bleeding from any part can be stopped by applying direct pressure using clothing or bandages. Raise the bleeding area to prevent further blood loss. Ask the conscious victim to apply pressure on the bleeding area to divert and calm any shock.

For an unresponsive victim, check for breathing. If the victim is still breathing, open the airway by moving the body on one side or making them lean forward. However, make sure that a neck injury isn’t present before moving the victim. 

4. What auto insurance coverage protects passengers?

Bodily injury liability insurance pays the costs for another person or passenger injured with your car. It may include the driver of the other car, unrelated passengers, and pedestrians.

5. What is the minimum coverage limit for car insurance?

State minimum-coverage limits protect most motorists’ assets. The minimum insurance coverage is USD$100,000 per person or USD$300,000 per accident. 

Final Thoughts

A car accident can unexpectedly crash into your life like a lightning bolt. The most important thing is to stay calm, and show vigilance. Additionally, it’s critical to keep a steady head to document and photograph evidence, talk with witnesses, and gather information. Most importantly, make sure to get medical help to ensure that you get timely treatment.

Getting involved in a serious car accident can be traumatic, especially if there are injuries involved. These injuries usually range from minor bruises and cuts to severe physical damages that might change your life forever. If the collision has severely hurt you, your injuries might require long-term medication, rehabilitation, and therapy for many weeks or months. Consequently, you might be unable to work and cause a lot of financial stress for you and your family.  You might prefer the comfort of your own home with in-home care from https://www.careforfamily.com.au/ to help you recover from your injuries.

Here are the five common injuries you get from this unfortunate event: 

1. Traumatic Brain Injuries

Generally, motor vehicle accidents can cause traumatic brain injuries (TBIs). They’re injuries that involve bruising, bleeding, tearing, and other damages to the brain. Also, a TBI can be a mild concussion or severe brain damage that can lead to permanent disability or death. 

Below are the common signs or symptoms of a traumatic brain injury:

• Headache
• Dizziness or loss of balance
• Nausea or vomiting
• Loss of consciousness for a few seconds to minutes
• Problems with speech

Thus, when your head hits the windshield or any part of the car with a strong force during an accident, you might sustain a traumatic brain injury that needs to be checked immediately to avoid further problems. Moreover, having a moderate or severe TBI might require you to spend a large amount of money on funding a lengthy recovery. 

If you believe another driver has caused the collision, resulting in your brain injury, you should consult a lawyer to know more information about your legal options. 

2. Neck And Whiplash Injuries

Another type of injury that you can get from a car accident is neck and whiplash injuries. Primarily, whiplash is an injury in the neck muscles, spinal discs, and ligaments caused by a sudden bumping motion. Meaning, the accident’s impact has caused the stretching of the neck muscles and tendons beyond their normal range. 

When you experience neck pain and stiffness right after the collision, it can indicate that you’ve sustained a neck or whiplash injury. Depending on the impact, this injury can cause temporary or permanent disability. In such a case, get yourself checked right away to avoid life-threatening problems. 

3. Spinal Cord Injuries

Like TBI, spinal cord injuries are also one of the most common injuries caused by motor vehicle collisions. These usually involve any type of damage to your disks between the vertebrae, muscles, and tendons due to a strong impact of the accident. This can include strained, sprained, and ruptured disks. 

Moreover, when you get a serious spinal cord injury, you might be susceptible to paralysis and loss of function in some areas of your body, which can affect your ability to work for a living. When this happens, you should seek assistance from reliable car accident lawyers to help you pursue compensation against the at-fault party. 

4. Fractures

After getting involved in a vehicular accident, you might also get fractures around your body. For example, when your bone is bent, cracked, driven into each other, shattered, or pierced to the skin due to a forceful impact, it can be a sign that you’re suffering from fractures.

While minor fractures don’t require a lengthy recovery period, the most severe ones, on the other hand, might need surgery to realign or immobilize the broken bone. However, in doing so, you should stay in bed for weeks, and this can mean lost wages and loss of capacity to earn on your end. To help you recover financially, hiring a great personal injury lawyer can be an excellent idea. They can provide valuable legal advice and help you understand your legal options. 

5. Burns

When you get in contact with hot parts of your car in an accident, you might sustain burns. Typically, serious burns from a vehicle collision can damage your skin’s deep tissue, which may result in scarring and might need years of expensive treatment and medication. Moreover, when you inhale smoke from a fire caused by a collision, it can lead to lung damage. 

Final Thoughts

Indeed, being an injured victim can be a traumatic experience, especially if you don’t know what to do after the car accident. But, this doesn’t mean it’s the end of the world for you, and you can’t move forward with your life anymore. As long as you get yourself checked by a medical professional following an accident, there’s a high chance that you can get back to your normal routine in no time. Just focus on your recovery and never allow your injuries to take a toll on you.

Newly-established British car manufacturers like BAC are making some of the most luxurious cars in the world. However, when it comes to the very finest British-made luxury cars, brands that have been around since the beginning of the 20th century still lead the way.

Aston Martin

The Aston Martin brand has been associated with luxury ever since its grand touring cars of the 1950s were launched. And when James Bond drove a gadget-filled version of the DB5 model in the classic 1964 movie Goldfinger, the Aston Martin gained a whole new audience of appreciation. Today, Aston Martin’s sports cars are regarded as a cultural icon of Britain. The manufacturer has also held a Royal Warrant, since 1982, as the purveyor of motorcars to the Prince of Wales. With the stamp of approval from both the British royal family and everyone’s favorite secret agent, it is no wonder that Aston Martin remains one of the modern age’s most luxury car brands.

In recent years, models like the DB11, the Valkyrie, and the Vulcan have had luxury car fans raving. But the best luxury Aston Martin of recent times is surely the Vantage. It is an exquisitely crafted luxury GT, available as a V8, a V12, and even a race-bred AMR version. The V12’s six-liter engine will take you to 60mph in under four seconds, and the car can reach speeds up to 200mph. If you decide to buy an Aston Martin, you can make it even more luxurious by adding specific features to show-off your style and taste. For example, you could purchase private reg plates that contain a combination of digits that spell out your name or a favorite passion. You could even go down the James Bond route and get a number plate with the digits 007.

Bentley

The British manufacturer Bentley Motors Limited may now be a part of the Volkswagen Group, but Bentley cars are still made on English turf in the town of Crewe. Since Bentley became widely associated with sports cars after winning several 24 Hours of Le Mans races in the 1920s and 1930s, the brand has gone on to make some of the world’s most luxurious vehicles.

Today, the most luxurious car model in Bentley’s range is undoubtedly the Mulsanne. Three models are available: the Base model, the Speed model, and the Extended Wheelbase version. The latter has an additional 250mm of rear legroom. All three models are stylish, and the Base model is one of the most luxurious base model cars you will find. It can go from zero to 60mph in only 5.1 seconds, and it can reach a top speed of 184mph. The Speed model can reach 60mph in under five seconds and reach a high speed of 200mph. Each model is beautifully crafted and exudes luxury.

Rolls-Royce

Throughout the world, Rolls-Royce is synonymous with luxury. The Rolls-Royce brand has been famous since the early 1900s, and it continues to produce some of the most sought-after cars in the world. Although the British company is now a subsidiary of BMW, its models are still produced in Britain. Since 2003, Rolls-Royce has had production facilities at the historic Goodwood Circuit in Goodwood, West Sussex. Until recently, the Rolls-Royce Phantom VII was regarded as one of the most luxurious cars you could purchase. But with the release of the Phantom VIII in 2017, the brand outdid themselves. The car’s self-leveling air suspension is able to make millions of calculations every second, as it reacts to body-and-wheel acceleration, steering inputs, and camera information. As for the interior, with its sleek and stylish design and materials of the highest quality, it is the embodiment of luxury.