Why should not you purchase flood damaged vehicle

Even if the gadgets and machines needing electricity work, the vehicle probably will fail, sooner or later. Because mold and mildew are not easy to remove. And when a vehicle is damaged by water any warranty is null/void. Below are several things you can do to check if a car has been damaged by water:

Check for moisture and dirt. Flood damaged automobiles usually have considerable moisture and dirt trapped inside the lights. Dampness can also be seen inside, compartments. With gloves, check the cars console and trunk, so to observe any noticeable spots. Brown or black dirt, can also be a sign of flood damage, atypical dirt of this sort accumulates under the hood. Moisture can gather under the cars, seat. Another telltale sign is rust. Rust is major sign of flood damage. Also, the smell of mildew can be easily detected, when sitting in a car. The smell will not be that fresh new car smell, more like corn chips or stale bread. Furthermore, attempt to detect spilled oil or fuel smells which may be deposited around the vehicles engine.

Check to see, if essential parts match respected materials and locations. If parts mismatch, these could imply that component parts were changed hastily after the car was emerge then salvaged from a flood. Inspect the carpet, seats, and stereo components. If they look to new for an used car, be suspicious.

In addition, check the titled several times, see if it has exchanging hands and if it has been transfer to an owner from a recent states, that had a flood. Numerous owners of title, in a short period of time is a strong hint that the automobile has some problems. Eve so, current owner will trying to erase, questionable and negative history of the car by concealing information of the vehicle from you prospective purchases. Make sure you ask and exam the title very careful, for fraud.

Very important is test drive the vehicle, before even considering buying. Driving a vehicle on the interstate is the best way to check its performance. Examine the electrical system, turn them on, including all the lights and the sound system.

Following A Motor Vehicle Collision

Automobile accidents can be devastating in many ways. Besides the obvious risk of injuries, there is a lot of hassle involved in repairing your car and getting back to normal after the accident. There are a few things you should remember to help this process along should you be involved in an accident.

  1. Once the accident happens immediately call 911 and wait for the police to get there. Determine if you are hurt and describe any injuries to the rescue team upon their arrival. Go to the hospital if necessary.
  2. If it is a minor accident and there are no injuries, give your statement to the police when they arrive. Provide them with your insurance information and your drivers license. Ask where you can obtain a copy of the police report from once it has been filled.
  3. Call your family. Loved ones will want to know you are okay.
  4. When you talk with the other driver or the police NEVER admit anything about the accident was your fault, even if it was. Let fault be determined in a non biased way by the accident scene police.
  5. When you get home immediately call your insurance company and report the incidence. Give them full detail of the problem and were a copy of the police report can be obtained. File a repair claim and arrange for any rental car service you may have. From there your insurance company should be able to guide you through the remaining process.

Following these simple tips will help you speed through the recovery process once you have been in an accident. The best way to survive the aftermath of an accident is to simply be prepared. Knowing what to do, who to call and what to say can help make the process run smoothly. Review your policy so you are aware of any limitations or deductibles you may have with the accident.

Fraudulent can either be soft fraudulent insurance

Auto insurance claims that may be fraudulent can either be soft fraudulent insurance claims or hard fraudulent insurance claims. Insurance adjustors have within their means ways of spotting either type of fraudulent auto insurance claims if they can prove that the claimant is deliberately involved in such criminal behavior by doing some simple investigation to verify the claims made by the claimants.
A type of soft fraudulent claim can be spotted if the insured files repeatedly for the same injury, files for injuries that were not caused by an auto accident, claims to have been deprived of more work related income than he or she actually earns or files for more costs in repairing the damaged auto than was actually paid to have it repaired.

Examples of hard fraudulent auto insurance claims involve criminal behavior like staging auto accidents in order to file a claim. Other readily spottable bogus claims come from filing a claim for an accident that the claimant was not even involved in or filing for repair costs or for medical treatments that were never done.

In some cases, if a certain car is over insured, accidents like rear end collisions are staged to have the claimants who were rear ended file for medical damages against the bumper’s auto insurance. There are cases where a car is packed with passengers and is deliberately stopped in traffic to have the over insured car following bump the rear of the car with the passengers. All of the passengers then file for medical injuries against the insurance held by the car that bumped them. The claims are obviously bogus but proving them would mean paying an investigator to prove collusion between the car accident orchestrators.

Auto accidents that have no real serious injuries or damage but involve settlements paid for medical injuries or inflated repair costs that might even be more than the car is actually worth are easily spottable as bogus claims. In some cases, autos are insured for more than they are worth and are wrecked deliberately for the insurance money. Proving bogus claims are obviously more difficult than spotting bogus claims.

Treated seriously by both parties regardless of how minor

Being rear-ended by another driver may not result in significant damage to your automobile or bodily injury, but you still need to say calm and alert so the situation doesn’t get out of hand.

Here are five suggestions to help you do just that:

1. Check both parties for injuries. If someone has been injured, call for medical help immediately.

2. Contact the police. No matter how much damage resulted from the accident, the police are necessary to validate an insurance claim.  Police can also be helpful in keeping the communication peaceful and under control.

3. Involve your insurance company. Both insurance companies should be notified. Even if the other person wants to “handle it between the two of you” it’s smart to err on the side of caution.

If an insurance carrier is not contacted, you are left at the mercy of the other driver. They now can run out on covering the cost of the damages that they caused. Getting both parties insurance involved as quickly as possible helps to get you the best coverage possible, resulting in quick repairs and costs being covered without issue.

4. Make note of insurance and contact information. The best way to get this information from the other party is by keeping a calm and friendly demeanor, regardless of how frustrated you may be with the circumstances surrounding the accident.

Important pieces of information to gather are names of both the driver and the owner of the vehicle, phone numbers and addresses, copies of driver’s licenses information and license plate numbers.

Helps Drivers Save on Insurance

Drivers will soon have a new incentive for obeying speed limits, avoiding excessive braking and using turn signals. While some of us might not like the idea of having our driving habits monitored by an onboard spying device, the prospect of paying less for car insurance might just change our attitudes.  And whether we like them or not, computerized tracking systems that grade us on our driving style will soon be as commonplace as the now-ubiquitous cell phone.

Sprint’s Emerging Solutions Group has launched a system that allows auto insurance companies to assess pricing based on customer driving habits, rather than arbitrary information like where they live or their credit score.  Called ‘Usage Based Insurance’, or UBI, it allows insurers to customize pricing to each driver, giving discounts to good drivers and charging more to those who speed or frequently slam on their brakes.

The device plugs into a car’s diagnostic system and analyzes gathered data with scoring software that rates driver safety.  It then transmits the information via a wireless signal to the insurance firms. Sprint says it’s a win-win situation for both insurers and drivers – good drivers, that is.  Insurance companies will increase their bottom line, reduce costs and better assess the risk that drivers pose. Good drivers will save on insurance.

Insurers can also offer additional programs for policyholders, such as using the device to monitor vehicle health, fuel efficiency, service needs and location.

Plans are in place to expand the monitoring program to include financial institutions.  In this application, the device will be used to prevent drivers from starting their cars if they’re late on their payments. It will also be able to locate and lock vehicles that are being repossessed.

To bring more insurers onboard, Sprint is launching ‘Jump Start UBI’, which allows companies to try out the monitoring device on their customers at no charge for three months.

All in all, the trend toward vehicle monitoring devices indicates they’ll be commonplace in the near future, inspiring us all to clean up our driving habits to get that coveted insurance discount.