How To Handle Claims Efficiently

n accident can take seconds to occur but overseeing the entire claims repair process may take days. Traditionally, drivers have been responsible for reporting the claim, arranging for the rental car, getting estimates on the repair work, checking with the shop to see when the work will be done, inspecting the car, picking up the car and returning the rental car.

Fortunately, this does not have to be the case and that’s why it’s a smart idea to investigate car insurance companies carefully.

For example, The Progressive Group of Insurance Companies offers drivers an accident claims repair process that takes only minutes-not days-of their time. Here’s how the process works:

• The customer calls to report a claim at any time of the day or night and brings the vehicle to a specially designed service center.

• In about 15 minutes, the customer is in a rental car, if needed, with the assurance that the company will update the status of his or her claim.

• A claims representative prepares a repair estimate and contacts an auto body shop that has met strict quality requirements. The insurance company and the shop reach agreement on the cost of the repairs; the shop transports the vehicle back to the facility and the repair process begins.

• When the work is finished, the vehicle is returned to the service center where representatives from the insurance company and the body shop inspect the quality of repairs.

• Once the insurance company is satisfied with the repairs, the customer is called to schedule a pickup. Repairs are inspected and the customer drives off with a written document, saying that the repair facility and the insurance company guarantee the repairs for as long as the customer owns the vehicle.

Progressive has 25 Claims Service Centers open and plans to open 50 more sites across the country over the next few years.

The Different Elements Of A Car Insurance Policy

The Different Elements Of A Car Insurance coverage


The keyword phrase “automobile insurance coverage” indicates that what you are guaranteeing is your vehicle, but the truths of car insurance are a bit more complex than that.
When you purchase a thorough auto insurance plan, you are securing yourself from the costs of damaging your vehicle, however that is simply one aspect that makes up full car insurance coverage. You need insurance coverage that can cover the legal charges that might result throughout a suit if you take another motorist to court after an accident. You require insurance that can cover the expense of prescription pain relievers that you might have to purchase for yourself if an uninsured motorist runs a light and hits your automobile. These and hundreds of other possible expenses that have nothing to do with your actual vehicle can be covered by so-called car insurance coverage. The act of purchasing an insurance coverage for your car is an act of seeing to it that it is financially safe both on your own and for anyone else who you may encounter when you lag the wheel.

You have to secure yourself from the prospective monetary hardship of spending for the medical expenses of anyone who you injure in a mishap, and the costs of repairing any public or personal property that you might damage. In addition, prior to you can hit the roadway in the majority of states you need adequate insurance coverage that you will have the ability to spend for your very own medical care if you are hurt in a crash triggered by an uninsured motorist. So far, none of these crucial components of a conventional car insurance plan even mention the car itself!

A great collision or extensive insurance policy will cover at least some portion of the expense of repair service to your vehicle after physical damage. However, because not every state requires that you have this sort of insurance coverage, do not presume that physical damage is covered by your policy unless your agent informs you so directly. Physical damage protection is just one component of an excellent vehicle insurance coverage, and many individuals consider it optional rather than essential. The real cost of guaranteeing the physical form of your car is almost always dwarfed by the expenses of the other sort of insurance coverage that you need in order to drive safely, properly, and legitimately.

Other choices that you will be most likely to experience when choosing a vehicle insurance plan consist of things like medical payments protection, which will assist you meet the expenses of medical attention after a mishap. Of course, a traditional auto insurance plan consists of a certain level of defense against the expenses of treatment, however things like co-pays are not covered by body injury liability coverage or uninsured motorist protection. This leads many people to get added insurance so that they know that they will not have a larger than necessary monetary concern if a health center stay is essential for them, for a passenger, or for somebody else hurt throughout a crash.

Now Is The Time To Spruce Up That SUV – Save Cash


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It may be time to spruce up your truck, car or SUV. Perhaps the bird droppings this summer and fall have been hard on your SUV’s finish. Perhaps you wish to you’re your car. Or perhaps you are tired of the colour and just want a change of scenery. It is true that automotive vehicle painting can be quite expensive if you want to have a really great and proper paint job done. Sure there are third party get it out the door shops but is that what you want. It would be as if your new Toyota was badly damaged and the insurance company instead of writing it off wanted to patch it back together. Get the job done properly. Of course, you can find auto body shops that offer really cheap paint jobs. Your car is the image that you portray. Auto painting is one of the situations where you truly get what you pay for. Get your car painted properly. However there are preparatory steps that you can make which will reduce the cash outlay out of your pocket substantially.

A cheap paint job will look cheap. The shop will spend little time properly masking the areas that shouldn’t have paint applied. You’ve probably seen a car where the trunk lock was painted; the formerly shiny chrome door handles were painted over; that is what you get when you elect to get really cheap auto painting.

However, you can get a great paint job and save money by doing some of the work yourself. About 86 % of the cost of auto painting is the preparation before paint is applied to the car. This offers you an opportunity to save money on your paint job if you don’t mind doing some hard work.

When you visit the auto paint shop, ask what you can do to prepare the car and reduce the price of the painting. Many shops will reduce the price if you remove chrome parts in advance. They may reduce the price if you clean the surface and remove old silicone-based wax and grease. To do this, you purchase a good quality wax and grease remover and find a well-ventilated place to work. Don’t perform this task in a closed garage because the fumes can be hazardous and disabling.

You can also remove old wax and grease using scrubbing pads or an abrasive household cleaner like Comet. Use a bit of caution with these procedures because it is really easy to scratch chrome or even glass.

Another step you may be able to perform yourself is the feathering of scratches and paint chips. These areas must be smoothed and evened out using sand paper. The initial sanding can be performed with 80 or 100 grit and change to finer and finer sand paper until the final sanding touches are done with 220 grit.

Ask the body shop if you can do some of the larger masking yourself. Masking is simply the process of placing painter’s tape over areas that should not be painted. Some body shops will not guarantee the quality of paint if you mask the car or any part of it yourself, so be sure this will actually save you money without infringing on the paint guarantee.

Remember laddie it never hurts to ask. Your car is the best representation of ourselves and our self image that we carry around and present to others. Make sure that it is proper.

Vw Bug Parts – Their Only Little Industry

Vw Bug Parts – Their Only Little Industry

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Maybe it was Herbie that did it. Maybe it was the flower power movement. It seems like everyone wanted to have a VW Bug … and they still do. Why else would Volkswagen begin manufacturing the Bug again? There are still millions on the road today and this has lead to an entire industry dedicated to VW Bug parts. This is true in the US and the rest of the world. With the demand for VW Bugs, parts companies have created their own little niche.

And it’s not just mainstream VW Bug parts that are popular. Owners are customizing their Bugs so specialty VW Bug parts are also the rage. There is also a large market for accessories such as floor mats and car covers.

But VW Bug parts are not the only VW auto parts that are flying off the shelves. VW parts are also needed for other models such as the Jetta and the Passat.

VW auto parts are manufactured to very strict standards. Only the best VW parts get put into Volkswagen models. That being said, many purists insist that authentic VW auto parts cannot be replaced by any other brand if you are to retain the high standards of your Volkswagen car. They are adamant about using only OEM, or original equipment manufacturer VW auto parts. This essentially entails replacing the worn VW parts with another of the exact same brand that the car originally came with. Can you say “big money”?

Others are firm about the fact that there are other brands that can be used as VW parts. These are termed Aftermarket parts, and are essentially parts that were brought out by other companies after your car model was released. They are auto parts that were not in the original models but are compatible with them. They can be used as replacement VW auto parts as long as they meet the standards of the original VW parts.

Activity is high in both the OEM and Aftermarket sales of VW auto parts, thanks to the continuing popularity of Volkswagen models. Just do a simple search online and you’ll probably find more dealers for VW parts than you will for the actual cars. It is a thriving business, with room for manufacturers, wholesalers and retailers. There are many companies and individuals who are making a large profit from creating or selling VW auto parts. In fact, it can be argued that the VW parts industry might just be larger than the Volkswagen car industry.

Vehicle and Collision Repair Services Are Tricky. Who Do I Use?

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Getting your vehicle repaired after it has been involved in an accident or it just isn’t operating correctly is important. In many instances the vehicle can’t be driven until the necessary repairs have been completed. Yet many people are wary about this type of service because you don’t really know the quality of the work that you are getting. If you need to get your vehicle repaired it is important to do some checking before you take your vehicle to anyone.

If the vehicle is drivable you should attempt to get at least three written estimates. Body shops and repair shops will do this for you free of charge. They will give you an itemized list of the necessary repairs and the cost of them. Make sure you ask about the length of time it will take for them to complete the work as well. Once you get home carefully review all of the estimates. You should see the same items on there in the category of materials and likely some price differences for the labor.

If you notice that one of the estimates for vehicle repairs is much more than the others you may want to ask them why. It could be that they offer better quality products and your car will look nicer or run better when they are done then if you let one of the other businesses do the work. However, it is also possible that they are attempting to scam you and the estimate contains pricing for work that really doesn’t have to be done.

Find out how long a particular shop has been in business. Longevity generally means they have a good reputation for doing quality work. Ask about the experience of their employees so you can get a good idea of what their level of expertise is. You can check online with the Better Business Bureau as well to find out if the repair service has any complaints filed against them.

Most quality vehicle repair service centers will stand behind the quality of their work. You want to choose a shop that has a policy in place that they will guarantee the work for a specific amount of time. This way if you aren’t happy with it or the repairs don’t hold up you won’t have to pay for them again. Even if the cost of the initial repairs were covered by an insurance company you don’t want to have to deal with poor quality work on your vehicle.

Ask your friends, family, and co-workers for recommendations as well. Chances are some of them have had to use a vehicle repair or collision service at some point. They can tell you who they went to and the quality of the work. Ask them if they would go back to that business in the future for such needs as well.

You really can’t avoid having to go to a vehicle repair or collision shop if the need arises. However, you can do your part to ensure you are getting quality service at an affordable price. Most of us rely on your vehicles too much to simply trust the work to just anyone.

What’s The Difference Between Collision And Comprehensive Automotive Insurance?

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Liability insurance, which covers the cost to repair damages caused by you, is usually your state’s minimum automotive insurance requirement; however, if you are still making payments on your vehicle, your financer may require you to purchase additional automotive insurance coverage until you own the vehicle.

There are many different kinds of additional automotive insurance, and collision automotive insurance and comprehensive automotive insurance are probably the most popular kinds of additional automotive insurance. But what is the difference between collision automotive insurance and comprehensive automotive insurance? Don’t they both cover everything?

No. Collision automotive insurance and comprehensive automotive insurance are actually quite different.

Collision automotive insurance is automotive insurance that will cover the cost to repair damages to your vehicle that result in an accident caused by you. If repairs to your vehicle cost more than the value of your vehicle, the automotive insurance company may deem your vehicle a total loss, in which case you will be compensated for the current and actual cash value of the vehicle.

Collision automotive insurance is usually the most expensive of the additional automotive insurance options, which is understandable since the automotive insurance company is paying for damages caused by their own policy holder.

On the other hand, comprehensive automotive insurance is insurance that will cover the cost to repair damages to your vehicle that result in an accident for which you are not at fault. These damages may be caused by incidents involving natural disasters, theft and vandalism, fire, and animals (think of deer running out in the road during your innocent drive home). Comprehensive automotive insurance will compensate you for the total cost of your vehicle before the accident.

Although many people opt to purchase only liability insurance since it’s usually the only insurance required, consider paying extra for these additional automotive insurances. You never know when you, or an animal, will be the one to cause damage to your vehicle.

Sourcing Parts At Reasonable Prices For Your Classic Corvette

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With any classic vehicle finding a source of auto repair parts can be a major concern.
So it is with classic Chevrolet Corvette as well as Chevrolet Stingray autos.

Corvettes have always had distinctive wheel covers and are a refreshing change from slotted mag wheels. The wood steering wheels add a rich touch if you are lucky to ever find one.

Interest has been spread into the 1968 and later models, especially car equipped with the lift out roof panels. In these cars, the excellent General Motors (G.M.) Turbo Hydra-matic transmission was the desired feature. Indeed one of the most valuable vehicle of this group has been the 1970 LT-1 350. Chevrolet itself had offered some good gymkhana suspension parts for this group of cars that are relatively inexpensive and greatly improve handling qualities.

Where can you find used parts for your classic Corvette? First of course are local swap meet and car clubs in your area. If you can shop close to home better be it.

You actually hold and fondle the part, inspecting it yourself. Why have to arrange and pay shipping charges. As well you may make valuable contacts for your Corvette restoration projects. Often one local contact will lead to another good source for parts as well as classic car restoration expertise.

Next on the list are magazines – such as – Corvette Enthusiast, Vette and Corvette Fever. It might be said that Corvette websites on the internet might be next on your list. However the actual magazines may provide a source for you first. Why not whittle down your Corvette resource list first rather than searching through the websites that may or may not have stock and be of the stature they claim. Websites can be made and put up easily. Magazines articles usually have current sourced lists; will place the vendors in some ranking. If there are ads – those ads have to paid for – which is an indication of the solvency and current resources of the firms involved. As well you may get additional good tips form the articles in the magazine. Classic car magazines such as Hemmings are also very useful.

Next for resources are actual websites devoted to this passion. The sites can be Corvette specific – such as vetteweb, the general motors website itself, The Corvette Club of America etc. Google the term “Corvette Links”, “Chevrolet Corvette Links” or “Stingray Links”. One link will always lead to more and additional links. Corvette enthusiasts are like that – always trying to be helpful and to share.

A terrific resource always is eBay. EBay is the premier online auction site. It can easily be found on the web at its home of ebay.com as well as various worldwide specific sites – whether they be ebay.ca in Canada or ebay.uk in the United Kingdom. EBay has both its original sales areas as well as the more specific and distinct eBay motors. The beauty of eBay is that somewhere in the world someone may have exactly the part, component or technical manuals that you are looking for.

In essence it may be “just lying around” and be of found money to them and yet be exactly what you require. It may be that that item is not available in your local area or the locals may want a killing for it. Either way eBay can be a very useful resource. Some of the items on eBay are on an auction basis; some are on a “buy now” price. Some are both. The beauty of eBay is that it has advanced features which may make your search for that exact hard to find Corvette car part easier. You can conduct product searches on eBay easily and specifically. If you are an eBay member (no cost to register), then you can have the eBay system email you the moment someone lists that part. Then you can either bid on the item, or if it is a buy now you can choose to purchase it. In addition eBay has a buyer request area where you can put out feelers and a request if anyone has that part or knows of contacts or leads that have that component available. Remember though with eBay that shipping costs are major component of the final and real cost of any good purchased. All that matters, if evaluating cost, is what the product costs when it arrives at the door of your shop.

Lastly never forget your local or area Chevrolet dealer themselves. There is both an amazing and remarkable amount of early Corvette parts still in the parts inventory of some Chevrolet dealers as well as some General Motors Chevrolet dealers who specialize in classic Corvette and Corvette Stingray car, mechanical as well as body parts.

Helping You Select The Best Auto Insurance Out There

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Whether you are a seasoned driver with many years of experience on the road, or a beginner who is ready to start driving right after acquiring their license, you need to have auto insurance. Auto insurance will cover any damage to your car if you suffer from an accident. If you need help choosing the right auto insurance, check out these tips.

Try to dig up as much information about how a particular car insurance company handles claims. There are some out there that will get the work done on your car as quickly as your mechanic can do the work ,and there are others that will really drag their feet when it comes to paying out a claim.

Some insurance providers will not provide the senior-driver discount unless you complete a mature driver safety course. It is a class that is a lot like the defensive driver course but focuses on the many driving issues that an older driver may face each day. It will save you money and maybe even save your life.

Add your husband or wife to your policy. This can reduce your rates greatly because it shows stability. This shows the insurance company that you are a stable and secure driver. This will lower your rates even more than being unmarried or just adding someone that is older, to your policy.

Be extra careful when you drive so as not to be caught in a scam. Insurance rates are as high as they are due to sophisticated staged accidents which are perpetrated by criminals all over the country. Ensure that you photograph any crash scene and call the police immediately to report the accident.

You can drop the premium of your auto insurance policy if you drop something like medical. Do not do this unless your group health insurance provides a generous amount of coverage, or you could be left without medical at all. If it does though, consider dropping the medical-payments portion on your auto insurance policy.

Here is a thought for choosing car insurance! Know the value of replacement parts for your car, especially if you drive an older vehicle. Import cars will often be prohibitively expensive to fix, meaning that a minor fender-bender can result in the insurance company determining your car to be totaled. If this describes your situation, you don’t need to be paying out for collision insurance, because it won’t help you!

If you don’t commute and just use your car to run errands and take care of minor business, you may be able to get a “pleasure driving” rate, which is much less than the rate you would pay if you were commuting to work every day. The reason for this is that you are less likely to have an accident if you don’t drive very much!

Furthermore, auto insurance is valuable to all drivers, new and old. Auto insurance makes damage from any car accident less of a burden to drivers by helping with the costs of repair. The tips that were provided in the article above will assist you in choosing auto insurance that will be of help for many years.

What You Need To Know About Auto Insurance

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Selecting the right auto insurance company or plan can be an exhausting and overwhelming experience. With so many different options to choose from, it’s no wonder that so many people don’t know where to start. This article contains a number of tips on how to find the right auto insurance plan and company for you.

You may be able to get some very nice discounts on the premium of your auto insurance policy via your employer. Sometimes they will cut a deal with insurance companies to offer some special group rates to their employees. Make sure to check with HR to see if this kind of deal is available at your workplace.

If the amount of your premium on your auto insurance seems to high, make sure to question it. If you don’t, you could end up paying an incorrect amount. Call the insurance company and ask them why your rates are the way they are. Remember, tickets and accidents can also raise premium rates.

The cost of auto insurance for any specific car, will vary from company to company. One of the reasons for this is because each company determines premiums based in part, on their past experiences with that specific car. Certain companies may have significantly different histories dealing with a specific car. Even in cases where the experiences are similar, there are bound to be small differences. Because of this, there is a definite benefit to shopping around when looking for auto insurance.

Only allow repair companies to use quality parts on your vehicle. Some repair shops will attempt to charge your insurance company for high-priced parts while actually giving you lower quality ones. Double check to make sure you are getting the highest quality parts that go with your vehicle, because that is what the insurance company will be charged for anyway.

When looking into auto insurance, the best advice you could probably receive is to check different companies and get competitive quotes. You will then know you are getting the insurance coverage you need, at a price you can afford. Check the policies side by side to be sure the one you choose has everything you need.

One way you can save money on your auto insurance premiums is to pay the full annual cost up front. Many insurance companies charge an extra fee for people who pay monthly premiums. Talk to your insurer to see how much you could save by switching to an annual payment.

Find out if your pet is covered by your auto insurance if your pet is in the car with you during an accident. Some insurers provide payment toward veterinarian care for injuries, or payment if the pet is killed while in your car during an accident, or a vehicle theft. The pet coverage may be automatically included under your collision coverage.

As the beginning of this article stated, choosing the right auto insurance company or plan is an extremely difficult decision. However, if you have a good sense of where to look and what information you need, the process becomes much easier. Use this article to help you select your auto insurance.

The Different Elements Of A Car Insurance Policy

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The phrase “car insurance” implies that what you are insuring is your car, but the realities of car insurance are a bit more complex than that.
When you purchase a comprehensive auto insurance policy, you are protecting yourself from the costs of damaging your car, but that is just one element that makes up full automobile insurance coverage. You need insurance that can cover the legal fees that may result during a lawsuit if you take another driver to court after an accident. You need insurance that can cover the cost of prescription painkillers that you may need to buy for yourself if an uninsured driver runs a light and hits your car. These and hundreds of other possible costs that have nothing to do with your actual vehicle can be covered by so-called automobile insurance. The act of buying an insurance policy for your car is an act of making sure that it is financially safe both for yourself and for anyone else who you may encounter when you are behind the wheel.

You need to protect yourself from the potential financial hardship of paying for the medical bills of anyone who you injure in an accident, and the costs of repairing any public or private property that you may damage. In addition, before you can hit the road in most states you need enough insurance that you will be able to pay for your own medical care if you are injured in a crash caused by an uninsured motorist. So far, none of these important elements of a standard car insurance policy even mention the automobile itself!

A good collision or comprehensive insurance policy will cover at least some percentage of the cost of repair to your vehicle after physical damage. However, since not every state requires that you have this kind of insurance, don’t assume that physical damage is covered by your policy unless your agent tells you so directly. Physical damage coverage is just one element of a good automobile insurance policy, and many people consider it optional rather than necessary. The actual cost of insuring the physical form of your vehicle is almost always dwarfed by the costs of the other kinds of insurance that you need in order to drive safely, responsibly, and legally.

Other options that you will be likely to encounter when choosing a car insurance policy include things like medical payments coverage, which will help you meet the costs of medical attention after an accident. Of course, a traditional auto insurance policy includes a certain level of protection against the costs of treatment, but things like co-pays are not covered by body injury liability coverage or uninsured motorist coverage. This leads many people to take out additional insurance so that they know that they will not have a larger than necessary financial burden if a hospital stay is necessary for them, for a passenger, or for somebody else harmed during a crash.

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