There are a number of things you can do to keep your car in tip-top shape.
Owning a car is not as big of a big deal today as it was, say, 50 year ago — for many people, it has like food, clothing and shelter. However, buying a car remains one of biggest financial investments you will make in your lifetime.
As a car owner, it is crucial that you carry out routine maintenance and performance checks to reduce the risk of functional problems so that you get the highest ROI possible from your hefty investment. Here are fives things you can do to maximize your car’s performance.
1. Change the Engine Oil Regularly
Your car’s engine has moving parts that need proper lubrication to work efficiently and prevent damage, and this necessitates engine oil.
Its easy for engine oil to become contaminated with dust and loses some of its lubrication power over time, which is why it is important to change it regularly to make sure the heart of your car is operating optimally.
Changing the engine oil as recommended by your car’s manufacture will also extend the engine’s life, improve its fuel efficiency, and help prevent costly engine repair work.
2. Maintain Optimum Pressure in Your Car’s Tyres
Under-inflated tyres make it more difficult to handle a car on the road. Moreover, they make your engine work harder than it normally would, potentially causing overheating.
Higher rolling resistance caused by under-inflation, together with an over-stressed engine, means your car will require more fuel to maintain optimal driving speeds, effectively reducing its fuel efficiency.
To avoid any of this, take proper care of your car’s tyres. Make sure to check and maintain their pressure every few days.
3. Get Your Car’s Ignition System Checked and Maintained
Ignition system failure is one of the most common causes of a vehicle breakdown. Advanced ignition systems in modern cars have made life easier, but that doesn’t mean you shouldn’t get yours checked on the regular to avoid unwanted surprises.
Your car maintenance schedule should include an inspection of the ignition system. If there are any defective components, make sure they are replaced in a timely manner with the best quality coils, ignition spark plugs, wires, etc.
4. Keep Your Car’s Suspension System in Good Condition
The suspension is important for keeping a car under the driver’s control and ensuring a smooth ride. It is responsible for providing the required steering ability and limiting the impact of road imperfections.
In general, worn suspension components destabilize a vehicle and affect driver control. Ideally, getting the worn, inadequate shocks and struts replaced in a timely manner helps to maintain better ride control and overall vehicle performance.
5. Protect Your Car with Car Insurance
Regular car maintenance tune-ups do impact the car’s performance. Still, you can’t predict and avoid unexpected events that can cause damage to your car. To be on the safe side, buy a comprehensive .
There are many reasons why buying motor insurance is a must for all car owners in India and elsewhere around the world, most notable of which is the peace of mind you get from the financial coverage provided for physical damage to your car resulting from a collision or natural calamities .
9 Things To Look For When Choosing A Car Accident Lawyer
Do your due diligence when choosing a road accident lawyer.
Every year in the U.S. there are around 6 million auto accidents, so the chances of you having at least one accident during your lifetime of driving are quite high.
It always helps to be prepared for life’s unexpected moments, and having a good road accident lawyer is one way to reduce the stress and cost that often comes with a collision of any kind.
Here are a few key things to look for when choosing a quality a lawyer.
1. Experience matters
Whether you are looking for a New York or a experience is important. The more cases the law firm you choose has dealt with successfully the better the chances are they will win yours.
2. A good reputation
You also need to look for someone who . Online reviews can be a good source of information.
Word of mouth recommendations are also helpful. Particularly, if it is a friend whose opinion you respect. It is even better if their case was similar to yours.
Using an award-winning lawyer or firm can help too. Industry and consumer awards are a good indication that they provide a fair and effective service.
3. Well qualified and legit
You should also check that the person you are hiring is actually qualified. explains how to do that.
If the lawyer you are trying to hire does not respond quickly to your initial inquiry, it is best to steer clear of him or her. In all likelihood, they are too busy to take on more cases.
You need someone who is going to get back to you quickly and keep you informed of what is going on.
5. A good communicator
To some extent, you need to gel with the person you are hiring. You have to be able to easily understand each other.
If, when you ask questions, you do not get clear answers, it is usually best to go elsewhere. You have to be able to communicate with your lawyer effectively so that you both understand what happened during the accident and what the next steps are.
6. Someone who is genuinely interested in your case
Unfortunately, there are a few tick box lawyers out there. They basically go through the process without actually fighting your corner.
If you hire someone like that, the compensation that you will get may not be as high as it would have been had you hired a skillful, fully-engaged accident lawyer to fight your case.
7. Well organised
If when you visit their office and you notice that it is chaotic you should consider going elsewhere. Stacks of untidy paperwork are a sure sign that the lawyer you are considering hiring is already overstretched.
8. Open about their pricing
A good lawyer will quickly explain how much they charge. They will happily give you at least a rough estimate of what the cost of pursuing your case will be.
9. Not a one-person firm
There are excellent accident lawyers out there who work alone. However, it is not wise to use them unless they have someone who will pick up their cases should they fall sick.
The last thing you need is for your case to stall because there is nobody available to fill out the forms, go to court and chase things up.
5 Things To Know Before Your First Car Accident
Being preparing beforehand can reduce the stress and cost of dealing with a car accident.
It’s unfortunate, but if you’re a regular driver, you’ll probably end up in at least one car accident at some point in your life. If you’re lucky, it will only be a minor fender-bender.
Other motorists won’t be so lucky, and will have to deal with injuries and severe damage to their cars. But regardless of the severity of the accident however, there are a few things to know before getting in your first car accident so that you can best handle the situation whenever it arrives.
1. It’s Important to Stay Calm After the Accident
First, after getting into a car accident, you most certainly will be a little shaken up. This is natural, but it’s important to get yourself under control before trying to do anything else.
Trying to handle everything while you’re stressed or anxious will only make the situation worse, and you’re likely to forget something important.
There are a few things you can do to , but the best is probably taking a few deep breaths. Try breathing in through your nose for a few seconds, then out through your mouth. Do this a few times until you can feel some of the stress wearing away.
Another thing you might want to do is call someone close to you. A spouse or parent can help calm you down and talk you through the rest of the things that you need to do.
2. Check on Health Before Car Damage
Your biggest priority during and after a car accident is the safety of yourself and anyone else involved. As soon as you’re able, you’ll want to check in on yourself and look for signs of any injuries. After doing that, check in on any passengers you had in your car.
Once ensuring that everyone in your vehicle is okay, you can proceed to checking the passengers in any other cars involved.
Don’t worry about your car or anything else at this point — just make sure everyone is okay. If they aren’t, you’ll want to call for some immediate medical assistance.
3. Get Plenty of Information From the Other Drivers
If other drivers were involved with the crash, you’ll need to swap some information with them. Getting information from the other drivers is important, as it will allow you to file your insurance claim so that you don’t end up paying out of pocket.
After a car accident, it’s standard procedure to get their name, phone number, license plat number, and insurance information. You should also be prepared to provide the same information about yourself.
If the other driver doesn’t want to provide you with certain information, get as much as you can to identify them, then let the police handle the rest. Make sure to note down the license plate number and the make/model of the car, at the very least.
4. You Might Need Some Assistance
Next, it’s important to know that you might not be able to get through the entire accident process without some help. You may need to call a tow truck for your car, an ambulance if there are any injuries, a physical therapist to help you on your road to recovery or a if there are any legal issues.
Make your life easier, and look up some of these numbers beforehand and keep them with you wherever you go. You’ll feel more confident handling the accident if you have the number of your insurance provider and a good tow service in your glove compartment.
5. You Can Learn from Your Mistakes
Finally, everyone makes mistakes. There may come a day when you do something stupid and cause a car accident. Hopefully, if this happens, the accident isn’t too serious, and no one gets hurt.
But regardless, the important thing to remember is that you can learn from your mistakes. After the accident, take some time to go over the events and think about if there was anything you could have done differently.
The biggest mistake you can make during a car accident is not a better driver and repeating the mistake again somewhere down the line.
The More You Prepare, the Better Off You’ll Be
With the above information, you should find that any car accident you get into is a little easier to manage. They are never fun experiences, but they don’t have to be extra stressful.
Take some time to practice calming techniques and to learn important phone numbers. Doing these things won’t prevent you from getting into a car accident, but they can at least make the aftermath a little easier to handle.
6 Motor Trade Insurance Mistakes To Avoid
Like motorists, motor trade businesses need insurance for protection and peace of mind.
Whether you are running a garage or car dealership, insurance is very important. Even with security measures, you still need insurance to cater for things that are out of your control.
Motor trade insurance covers different types of risks such as fire, theft and injuries, and is a must for anyone who earns a living by selling, buying, fixing, or generally doing anything related to cars vans or motorbikes.
There is so much you should take into account when buying coverage for your motor trade business. In this article, we highlight some of the mistakes that you should avoid when buying this type of insurance policy.
1. Ignoring Potential Risks
The first mistake you should avoid is taking a policy that doesn’t cover all the risks your business could face. Take time to evaluate the risks and get a provider who can give you a custom package that covers those risks.
If you have some employees working for you, a third party only cover may be inadequate. You will require employer’s liability as well.
Also, if you deal with vintage cars, you may need extra coverage for specialist vehicles since the standard policy may not cover those. On the other hand, don’t buy coverage you don’t need.
For instance, if you just opened a business, and are dealing with few cars, don’t go for the policy that is designed to cover unlimited cars. Such policies tend to be more expensive compared to those that have a limit.
Finally, if your motor trade business is your side hustle, you could consider part time motor trade insurance instead of full time.
2. Not Checking the Validity and Reputation of the Provider
This is another big mistake you should avoid when shopping for a policy. If you are not keen, you will end up paying money to ghost brokers for a policy that does not exist.
attract motor traders with cheap deals and very attractive terms. To avoid falling for such scams, ensure you check whether the deal is valid and from a reputable company before paying any money, especially for deals that you find online.
Don’t let price be the only determining factor when shopping for motor trade insurance.
3. Not Comparing Deals
When you compare motor trade insurance deals from a number of companies, you will benefit in two key ways. One, you will find the company with the best reputation. Two, you will save money.
Compare both the details of the policy and the price. For easy comparison, you can make use of sites such as Quotezone.co.uk that can help you find the best deals from a wide range of providers of .
4. Failing to Disclosure Pertinent Information
Failing to disclosure pertinent information may or may not result in cheaper quotes, but it can certainly end up costing your company thousands in money later on.
When talking to the insurer, don’t hide some information or fail to disclose something they need to know. Doing so could not only mean you have less coverage than you need, but it could also invalidate your whole policy.
5. Not Considering Upfront Payments
Paying upfront could be cheaper in the long run than signing up for a monthly payment plan. Check the options you have, and go with the cheaper one if your finances allow you.
You may not save much by paying upfront but the little you save can help out with another expense.
6. Not Reading the Fine Print
The final mistake you should avoid is failing to counter-check the information on the final document. Read through the entire document to see exactly what you are getting into.
If you don’t read through the entire document, you may be shocked later on to discover that some of the coverage you needed was not included in the final document. Also, the insurer could have included something you don’t require. This could be affecting your premium.
Such errors are common, especially if you discussed the details over the internet or phone. Therefore, check everything and if there is anything you are not okay with, ask for clarifications and amendments.
If you settle for an insurer and later find out they weren’t the best fit for you, you can always make a shift. There are so many motor trade insurance cover providers, so don’t be stuck with a cover that is not working well for your business.
Moreover, you can look around after some time to see if there is someone with a better deal in case your current insurer decides to review your terms. However, when you are shifting companies, make sure to use the right protocol when cancelling your existing policies.
Check if there are any conditions especially for unpaid claims should you choose to cancel. Also, plan your transition well so that your business does not remain even for a day.