Category Archives: car insurance

Which Age Group Causes the Most Car Accidents?

According to statistics collected over the last decade, two age groups cause the most car accidents: teen drivers and the elderly. There are a number of reasons for these statistics, but the reality is that car accidents are a part of everyday life, and that even though someone might be a member of these demographic groups it does not automatically mean that they are going to be in a crash.

Teen drivers

Driving represents a lot of things to teens. Freedom, empowerment for the first time in their lives and status as drivers makes putting teens behind the wheel a dangerous prospect. Teen drivers cause car accidents because they are full of youthful exuberance, and they lack the experience of more seasoned drivers, and they are prone to taking risks because they feel they are invincible.

Furthermore, teen drivers also drive cars that are not the safest on the road, such as smaller vehicles that have more blind spots, or do not have the safety and accident avoidance features that many other cars have. Also, teens engage in riskier behaviors, such as racing, drinking and driving, and overloading their cars with too many people, all of which can contribute to causing an accident.

Unfortunately, the combination of inexperience and propensity for risk taking means that teen drivers are among the most dangerous, and the statistics bear this out. That’s why insurance companies generally charge more for the policies of teen drivers, because the companies understand the risks of teens on the road and adjust their premiums accordingly.

Elderly drivers

On the flip side of the accident-causing spectrum, elderly drivers are also an age group that causes the many car accidents. Though they may have decades of driving experience, safe cars and a risk-avoidance mentality, these very factors can actually contribute to causing accidents. Throw in diminished reaction times, failing vision and hearing, and a sense of entitlement and elderly drivers can be just as dangerous as the newly-minted 16 year old out on the road for the first time.

As the body ages, the mind and reflexes slow down. Hand-eye coordination decreases significantly, and it is a lot harder for older people to respond rapidly to conditions on the road or other drivers in dangerous situations. Then accidents occur.

Older drivers tend to think of themselves as perfectly safe drivers, obeying the rules of the road while the world around them takes dangerous risks. While this is partially true, elderly drivers make can make judgment errors about the flow of traffic and distances between vehicles much easier than younger drivers. If this happens and there is no way to fix this incorrect perception of reality, older drivers can make assumptions that cause accidents.

Ultimately, it is the responsibility of everyone on the road to be as safe a driver as they possibly can. Young drivers need to learn that they are not invincible, and older drivers need to realize that their skills and perception have likely decreased over time, and need to make adjustments to accommodate.

Top 5 Window Tinting Myths

When it comes to window tinting, especially car tinting, many people share common misconceptions. We are going to discuss the myths surrounding the window tinting industry and reveal the truth.

Myth 1: Car Tints are only for boy racers!

Well, we won’t deny the popularity of tints in the racing community. It can make sports cars and small hatchbacks look even more sporty. However, it is nonsense to think that they are designed only with this sector of the market in mind. In fact, at our workshop, sports cars and customized cars account for the smallest percentage of our customer base. People from all different walks of life with a wide variety of car types bring their cars to us. This includes 4×4 drivers, tradesmen with vans and estate cars, mums with family cars and MPVs and business men with saloons/sedans.

Myth 2: Window Tinting is illegal and will likely void my car insurance!

No, it is not illegal in most countries. In certain countries laws are in place that limit how dark a tint can be on certain windows. For example, in the UK, it is illegal to do front door glasses, but the rest of the car can be done as dark as you like. You should check you own local laws to find out how dark you can go. As for insurance, it is very unlikely that an insurance company or underwriter will refuse to insure you. This is because tints are primarily a security product, providing privacy and adding strength to the glass. That being said, your insurance will be void if you illegally go darker than the prescribed limits in your area.

Myth 3: Window Tinting will lower the resale value of my car!

This will be true in some cases, but not in all cases. For instance, I for one, like tinted windows. So, if I were looking to buy a car, finding one with tinted windows would have a higher value to me than for someone who hates tints. Bear in mind again that it is not just for aesthetics. They provide security, cut out UV rays and provide heat reduction in the hotter months. These factors can add value to a car. However, if you don’t believe these points could add value to your car, window tints can be removed at a later stage. The process is completely reversible if required or desired.

Myth 4: Window Tint will affect my heater element on heated rear screens or radio/security antennae fitted onto the glass.

Well, a sub-standard product or even a poorly installed product can cause problems. However, tint itself is designed not to interfere with modern fixtures in our glass. To be safe, make sure you use a reputable dealer using quality products. Only use a dealer that offers a guarantee or warranty.

Myth 5: Window Tint will stop me from seeing out of the car when I’m driving!

If your not a fairly competent driver to begin with, then it is possible that you will struggle to get used to having darker windows. However, the films work one way, similar to a one way mirror at a police line-up. You can see out but can’t see in. Please also remember that there are tinting films that will not be so dark which still allow one to see into a car from outside. Ask your dealer to show you samples and make sure that he will allow you to sit in a demonstration car, or even his own car, to give you an idea of what it will be like. Any reputable dealer will not push the product onto you if it is not really right for you. Every reputable dealer that I have met has shown samples and allowed customers to sit in a car or two. They won’t sell tints just for the sake of making a sale. Installers live on reputation and customer service so don’t be afraid to visit your local shop just for a chat about things. If you find a pushy salesman then walk away, there is no room for power sellers in the window tinting market and this type of dealer is not to be trusted. You have been warned.

All About Athens

Athens is the capital city of Greece. It is a modern, big city as the capitals of other European countries are, and more than a million people live in Athens and its suburbs. But Athens is also one of the most important cities of history. Thousands of years ago, when most of the men on earth were still ignorant savages, the learning and the science and the art of today had their start in Athens. About five thousand years ago, men first built a city where Athens stands today. They built the city around a rocky hill about four hundred feet high.

On this hill they built walled-in fortifications called an acropolis, about which there is a separate article. The people lived around the hill and farmed the land. If an enemy attacked, they could all go to the Acropolis for safety. All cities in those ancient times passed under the rule of one king after another, fought and lost many wars, sometimes were conquered and ruled by neighbouring peoples, and sometimes conquered the neighbouring peoples and ruled them. For hundreds of years, Athens rose and fell in this way.

But about three thousand years ago-not long after the year 1000 B.C. – the people of Athens began to develop a civilisation greater than the world had known before. The first step toward this was the Greek language as the Athenians learned to use it. No other language then had the words needed to write great books of science as well as great poetry and other literature. The poetry of Homer, written in this language, is still as great as any that has ever been written. In the hundreds of years that followed, the drama was born in the plays of Aeschylus, Sophocles, Euripides, Aristophanes, and others. Three of the greatest philosophers of all time, Socrates, Plato, and Aristotle, taught and wrote in this Greek language.

Laws written in this language, by the great statesman Solon and others, gave Athens one of the earliest democratic governments. The Greek language is still used by scholars throughout the world. Athens became a democracy in 508 B.C. The two hundred years that followed were the times of its greatest glory. During this period the sculptor Phidias and other Athenian sculptors built the magnificent buildings on the Acropolis and carved statues that are still models of beauty. The people elected their own leaders. Athens was a “city-state,” which means that it was a city but also an independent country. There were many slaves, however. In 338 B.C., Athens was conquered by King Philip of Macedon, a neighbouring country in Greece. (Philip was the father of Alexander the Great, who conquered almost the entire civilised world.)

After it fell under the rule of Macedon, Athens did not become big and independent again for more than two thousand years. The Romans ruled it, then a series of conquerors until the Turks made it part of Turkey about four hundred years ago. Athens became just a small town. In the year 1834, the entire country of Greece became independent again and Athens was made the capital. It began to grow, and now is a great city again. It is the seat of the Greek Orthodox Church (also called the Orthodox Catholic Church), and the capital of the kingdom of Greece. About two thirds of all the manufacturing in Greece is done in and near Athens. The remains of many of the great buildings of ancient Athens, including the Acropolis, can still be seen there. During World War II, the Germans occupied Greece and captured Athens, but it was not damaged.

Cliches Associated With Insurance

Isn’t it funny how many cliches can be associated with insurance? I think when a couple of sayings and anecdotes were invented; the inventors had the term insurance in mind!

Have a look at a couple of the following sayings and tell me if you agree…

Nothing is certain, but death and taxes. This can be changed to – nothing is certain, but death and insurance. No matter who we are, what we do, how much money we have or which car we drive… we need insurance!

All is fair in love and war. Once again, this can be changed to “all is fair in love and insurance.” Don’t you agree that we are at the mercy of insurance companies? What they say is law and we have to just sign on the dotted line and accept the fact that we are paying tons of money each month on something that we do not really want. Do not accept the first quote that you are offered. Shop around until you find a policy that you are completely satisfied with. Do not allow any broker, agent or insurance company to force you into taking a policy that you are not happy with.

He has been taken for a ride – he has been taken for an insurance ride! It’s unfortunate to hear how many insurance companies take their clients and customers for a ride. This is usually by means of not wanting to pay out a claim, increasing premiums drastically, or other matters that we have no control over. Always read the fine print before signing any insurance document. By having a good understanding of what your insurance policy entails, a lot of this can be prevented.

A chain is only as strong as its weakest link – An insurance company is only as strong as its weakest link. When wanting to obtain insurance, make sure that you talk to an agent or a broker who knows what they are doing! The worst thing in the world is dealing with an insurance reseller who has only one thing on the mind and that is to meet their monthly sales targets. Insurance is a very important investment; therefore it is crucial that a qualified professional takes care of your needs and requirements.

A good beginning makes a good ending. Change this to “a good insurance company makes a good ending” and you will be one of the many individuals who are satisfied with the service received from their insurance companies. If a company offers outstanding service and handles queries and claims effortlessly, even a burglary or an accident can have a good ending.

After a storm comes a calm. If you can change this saying to “after an insurance claim, comes a calm” – congratulations! That means that you have recently put in a claim and that it was handled successfully, enabling you to relax after everything has been taken care of.

I hope you have enjoyed this tongue in the cheek look at insurance sayings – it might be a bit of useless information, but hopefully it managed to put a smile on your dial!

The Goal of Insurance

Not because you are insured means that you are going to act recklessly on the roads or in general, life. There are some companies which give you part of your premium when your insurance has not been used for a specific period. To make your task a lot easier, there are a number of online insurance websites which compares different rates of insurance with specialist criteria to give you the best result. When shopping for any type of insurance compare which company has a higher claim bonus.

It is a good habit to shop around when looking for a good motorcycle auto insurance. It is obvious that each insurance company will differ in various things, such as, rates and coverage. For this reason you are to do all the necessary research and also evaluate yourself and see what would best fit you. That is the main purpose. It makes no sense in getting a plan which is not only over your budget but also does not cover accidents which are more likely to happen in your specific case as compared to someone else. Some may have more coverage but may cost more and vice versa. The insurance company is trying to determine both how much you will be using your vehicle and how much experience you have on it. This is very important to the insurance companies because they realize that your chances of having an accident will increase based on how often you drive. The years you have been using your vehicle or a vehicle will also be contributing to the determination of your rates.

Very often people get confused on this topic but it can be simple once some research is done or an insurance agent is consulted on the matter. There is always help out there waiting for you to ask, whether it be online or in person, you have the chance to learn and educate yourself on the variable that make a significant change in your insurance rate. Nowadays people are becoming more and more aware of the necessity of their insurance and the important role that it plays in their lives.

It is also important that you consult with an agent if you have further questions or would like to clarify something you read online. When it comes to your insurance you have to be dead on, a mistake can cost you money and in these hard financial times I think it is safe to say that we would like to save every penny. Keep note of what affects your insurances rates which type it may be and try to follow them so that your rates may be lower. There is always help out there waiting for you to ask, whether it be online or in person, you have the chance to learn and educate yourself on the variable that make a significant change in your insurance rate. It is always best to do your research yourself even after consulting with a professional, that way you know what needs to be done for future reference.

Insurance Claims – Get an Advance Payment!

Insurance claim advance payments are not widely known by people who file claims. Often, when an insured has a loss of significant size, such as a flood, tornado, wildfire, hurricane loss or a big water damage loss, an advance payment of a portion of the anticipated settlement is issued by the insurance company. This situation also happens regularly when a business has a loss and needs money up front.

It is a customary and widely accepted practice for the insurance company to issue an advance payment in this type of instance. Be aware that there’s nothing in the standard property insurance policy that deals with advances. It is usually just a courtesy that the insurance company extends to their policyholder.

However, they don’t usually offer to do it. You have to request the advance.

Here’s an example. Joe Smith’s house is hit by lightning, and a fire damages most of the house. Joe’s policy has Building limits of $100,000, Contents limits of $50,000, ALE limits of $20,000. The house can be repaired for $70,000, which is less than the policy limits. However, the adjuster expects that the Contents loss will exceed the policy limits of $50,000, and the ALE loss will be $15,000. The adjuster sends in his first report to the insurance company, and tells them to expect the loss to be approximately $135,000 on these three parts of coverage.

The insurance company could easily issue an initial advance payment of $25,000 to $35,000 for Contents and ALE, and $40,000 to $50,000 for the Dwelling loss.

So, what do you do if your Contents are damaged and you need the most basic things, like a change of clothes and shoes? What if you need to have a contractor secure the building and put tarps on the roof to keep further rain out of the building? Most people do not have tens of thousands of dollars just lying in their bank accounts that could be used to begin repairs, or begin replacing personal property. That’s when the insurance company issues an advance.

It’s best to make your request in writing. Even if it’s just a hand-written letter, it’s best if it’s in writing. Write or type your request, keep a copy for your records, and give the copy to your adjuster. It’s also a good idea to send a duplicate copy to the claims department of your insurance company. Send it by overnight courier or certified mail. NEVER rely on the adjuster to ask for an advance on your behalf. He might get delayed with other work and it could be days before he asks. DO IT YOURSELF.

Take control of your claim, my friend! Make an EARLY request in the claims process for your advance payment!